Podcasts about Crescent

Alexander from Patriot Pouch is back with Caleb to make fun of the establishment and discuss the latest madness. https://patriotpouchusa.com/Church and State is brought to you by,  YOU!  Visit us at: https://churchandstate.media where you can support us by donating directly and find links to shop with our affiliates.Get our merch at https://standupnowapparel.com/partner-church-and-state/   Support Church and State today by shopping at www.MyPillow.com using our coupon code: “CHURCHANDSTATE”.Our links are on link tree: https://linktr.ee/churchandstate                    Subscribe to our Locals Community (churchandstate1.locals.com)   Follow us on Rumble (@ChurchandState1776) https://rumble.com/user/ChurchandState1776    X(twitter) (@1churchandstate) https://x.com/1churchandstatefacebook (churchandstate1776) https://www.facebook.com/ChurchandState1776   SubStack (churchandstate.substack.com) https://churchandstate.substack.com/     *Help fund our fight against tyranny: Buy from our affiliates and tell them Church and State sent you. *Tune in on NRBTV Tue-Fri 1:30 PM Pacific! Become a supporter of this podcast: https://www.spreaker.com/podcast/prepper-broadcasting-network--3295097/support.Support PBN and become a MEMBER of the PBN FAMILY! Free courses, Members only videos, reviews, and podcast! The Prepper's Medical Handbook Build Your Medical Cache – Welcome PBN FamilyJoin the Prepper Broadcasting Network for expert insights on #Survival, #Prepping, #SelfReliance, #OffGridLiving, #Homesteading, #Homestead building, #SelfSufficiency, #Permaculture, #OffGrid solutions, and #SHTF preparedness. With diverse hosts and shows, get practical tips to thrive independently – subscribe now!Newsletter – Welcome PBN FamilyGet Your Free Copy of 50 MUST READ BOOKS TO SURVIVE DOOMSDAYSupport PBN with a Donation 

There is a long historical and theological conflict between competing kingdoms. Christ calls believers to stand firm in truth. This message contrasts the nature of Christ's kingdom with the origins and expansion of Islam, equipping Christians to respond with clarity and conviction. Be grounded in God's Word, grow in discernment, and boldly proclaim the gospel.Vintage Church exists to connect people to Jesus and the Local Church.Learn more about Vintage Churchhttps://vintage.church/FOLLOW PASTOR STEPHENInstagram → https://www.instagram.com/vintagestephen/Facebook → https://www.facebook.com/vintagestephen/THE UNDER GOD PODCASTWatch and listen to conversations on faith, culture, and leadership.YouTube → https://www.youtube.com/@UnderGodPodcastRumble → https://rumble.com/c/UnderGodSpotify → https://open.spotify.com/show/5Eg0JfNHL9mEUSrowLrQe6?si=lYEy1XRaS5OTUrdT2xvgPwApple Podcasts → https://podcasts.apple.com/us/podcast/under-god-with-pastor-stephen-martin/id1749695148Instagram → https://instagram.com/undergodpodcast

This is a story that starts back in the 1800s. If you know the East York area, you will know Crescent Town also. Here is my latest featured property podcast in a development that I have handled for over 20 years. Sign up here for more info.Become a supporter of this podcast: https://www.spreaker.com/podcast/real-estate-podcast-show--6907081/support.PS Sign up here for the newsletter that 1000s across Toronto GTA receive each week.

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Happy 100th Birthday to Crescent Hill Golf Course, a duffer's dream on Brownsboro Road adjacent to the Mary T Meagher Natatorium.Loongtime PGA professional George "Moe" Demling chatted with Terry Meiners on the course, the long road on tour, and tips for today's seasoned and starting golfers.And yes, both Moe and his son Gary are sporting t-shirts with a photo of young Moe in full swing!(from the USGA website)..."The 79-year-old Demling, who was inducted into the Kentucky Golf Hall of Fame in 2019, has seen a lot of talented players rise through the Louisville ranks. Bobby Nichols, the 1964 PGA champion, and Frank Beard combined for 23 victories on the PGA Tour in the 1960s and 1970s. Demling taught Fuzzy Zoeller, who grew up across the Ohio River in New Albany, Ind., and went on to win the 1979 Masters and the 1984 U.S. Open. Jodie Mudd of Louisville won back-to-back U.S. Amateur Public Links titles (1980-81) and four PGA Tour events, including the 1990 Players Championship, while his brother Eddie won the 1976 U.S. Amateur Public Links. Demling made a run of his own in the 1966 U.S. Public Links, reaching the semifinals before losing to Monty Kaser, the eventual champion."

Sat, Jul 18 7:36 PM → 8:33 PM 3rd Alarm Townhouse Fire Randolph NJ Radio Systems: - Morris County P25 700MHz

Are you wondering if pyramid or reverse pyramid training is best for your strength and hypertrophy goals? In this episode of the “NASM CPT Podcast,” award-winning personal trainer and industry leader Dr. Rick Richey dives deep into the science—and practical application—of pyramid, reverse pyramid, and drop set training schemes.

This is a Grave Talks CLASSIC EPISODE!Perched high above Eureka Springs, the Crescent Hotel has lived many lives.Built in 1886 as a luxury resort, the property later served as schools for young women before taking a far darker turn under the ownership of Norman G. Baker. Though he had no medical training, Baker transformed the Crescent into a hospital and claimed to offer miraculous cures for cancer and other illnesses. His treatments eventually led to federal fraud charges, but not before countless patients passed through the building's doors.Today, the Crescent is known as one of America's most haunted hotels. Guests and staff report apparitions, unexplained voices, shadow figures, and encounters with spirits believed to be tied to the property's long and often tragic history.From luxury resort to controversial hospital and eventually paranormal destination, the Crescent Hotel has become a place where history and haunting seem impossible to separate. We explore the stories, legends, and lingering spirits that continue to make this iconic Arkansas landmark one of the most talked-about haunted locations in the United States.Hashtags#TheGraveTalks #CrescentHotel #EurekaSprings #HauntedHotel #NormanBaker #GhostStories #Paranormal #HauntedHistory #ArkansasGhosts #ParanormalPodcastLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

Michigan is full of towns that once had mills, mines, hotels, post offices, rail depots, docks, stores and big plans. Then the timber ran out. The copper market fell. The railroad moved. The dunes shifted. The fires came. The ships stopped calling. And in many cases, the town simply faded from the map.In this episode of End of the Road in Michigan, we take a lively trip through some of Michigan's most interesting ghost towns, from the Upper Peninsula to the Thumb and the Lake Michigan shore. These are not just spooky names on old maps. They were working communities built around lumber, copper, salt, fishing, shipping, farming and tourism.The episode covers well-known and lesser-known Michigan ghost towns, including Fayette, Freda, Sigma, Berne, Alabaster, Linkville, New River and Port Crescent, along with added stops at Singapore, Port Oneida, Pere Cheney, Old Victoria, Nonesuch, Disco, Aral, Edgewater, Good Harbor, Glen Haven, Central Mine and Clifton.Some towns, like Fayette, survive as preserved historic sites. Others, like Singapore, were swallowed by Lake Michigan sand after the timber was cut away. Port Crescent, once a busy Lake Huron port near the Pinnebog River, had sawmills, salt works, hotels, shops and more than 500 residents before fire, timber losses and shifting industry left only traces behind. Today, its former townsite sits within Port Crescent State Park.The story also includes Pere Cheney, a Crawford County lumber town now better known for its cemetery legends than its railroad and sawmill history. In the western Upper Peninsula, Old Victoria and Nonesuch tell the story of copper mining towns where good engineering and big hopes still could not beat falling prices or difficult ore. And then there is Disco, a real 19th-century Macomb County settlement with a name that arrived long before mirrored balls and Saturday night dance floors.This episode asks a simple question: Why do towns vanish? In Michigan, the answer often comes down to one industry, one railroad line, one dock, one mine or one mill. When that reason for being disappeared, the town usually followed.Along the way, we look at the strange, funny and often sobering history of Michigan ghost towns. These were not empty places. They were homes. They had churches, schools, stores, blacksmiths, mills, cemeteries, boarding houses and people who thought their town had a future.So take a ride down the back roads, old rail grades and forgotten shorelines of Michigan history. This episode of End of the Road in Michigan is about the places that boomed, burned, shifted, sank, emptied out or simply lost the fight with time.The End of the Road in Michigan is a production of Thumbwind Publications

■■■■■■■■■■■■■■■■■■■■■■■■■■■■■ 5月16日で《ピアノ万葉集》は完結しました ■■■■■■■■■■■■■■■■■■■■■■■■■■■■■《ピアノ万葉集》プロジェクトは2026年5月16日に完結しました。でもここは大事な場所なので、前に創った《ピアノ万葉集》の曲をお届けします。ただ、すみませんが、前に流した曲ですので重複しています。=================================================crescent lig..

A family moves deep into Washington's Olympic Peninsula searching for a quieter life.Then the nighttime activity begins.Whistles outside the windows. Massive tracks circling the house. Strange vocalizations heard by a child in the middle of the night. A towering figure standing near Highway 101 in broad daylight.In this intense conversation, Matt Parrish of Olympic Sasquatches and Beyond shares years of encounters near Lake Quinault, Amanda Park, and Lake Crescent — one of the most active Bigfoot regions in North America.Matt describes repeated activity around his family's property, unsettling experiences during nighttime gifting sessions, local residents quietly acknowledging “forest people” in the area, and the moment he realized something massive had been watching them from the tree line.This episode includes:• Olympic Peninsula Sasquatch encounters• Highway 101 daylight sighting• Strange vocalizations near a family home• Massive tracks and physical impressions• Nighttime activity near Lake Quinault• Gifting encounters deep in the woods• Firsthand eyewitness testimony from Washington StateSome encounters stay with you long after the interview ends.If you enjoy serious Bigfoot eyewitness accounts, immersive encounter stories, and firsthand reports from active areas, this is an episode you do not want to miss.Resources:https://www.youtube.com/@OlympicSasquatch

In this episode, Brian welcomes Doug from Oregon for an intense and deeply detailed account of a roadside Sasquatch encounter that took place in February 2006 along Highway 199 between Grants Pass, Oregon, and Crescent City, California.Doug explains how a late-night drive home through the dark, winding canyon near the Collier Tunnel and The Narrows turned into one of the most unforgettable moments of his life when his headlights and orange truck lights revealed a massive upright figure walking along the road.Doug describes the creature as unlike the classic bulky depictions many people imagine. Instead, he saw something towering, lean, powerful, and athletic, with the build of an enormous basketball player.He estimates it stood somewhere around ten feet tall or more, with long arms, massive shoulders, a narrow waist, pronounced musculature, pale gray skin, dark charcoal-gray hair, and orange-red eyes that appeared to catch the light as Doug passed in his 1995 Chevy dually. The creature did not run, panic, or react aggressively. It simply kept walking, calm and natural, as Doug drove by close enough to see its face, body structure, stride, hands, feet, and skin in startling detail.The conversation moves beyond the sighting itself into the emotional aftermath of seeing something so rare and impossible to easily explain. Doug talks about the shock, excitement, fear, and frustration that followed, especially after sharing the story with people who dismissed him or made him feel ridiculed. Over time, encouragement from his wife and conversations with Native friends, outdoorsmen, hunters, and other witnesses helped him become more open about what he saw.He also shares related local accounts from the same region, including sightings near Siskiyou Forks Road, Bluff Creek, Bald Hills Road, the Klamath River, Monkey Creek, and other deeply remote parts of Northern California and Southern Oregon.Brian and Doug also dig into one of the biggest questions surrounding roadside Sasquatch encounters: why would such an elusive creature be seen walking near or on a road? Brian offers the possibility that, like other animals, Sasquatch may sometimes use roads as the path of least resistance while moving from one area to another.Doug adds his own thoughts about the rugged terrain, river corridors, steep granite slopes, and hidden access points in the area where his encounter occurred. The discussion touches on Native traditions, flesh-and-blood theories, spiritual questions, government secrecy, missing people, wilderness fear, and the strange mix of curiosity and danger that seems to follow this phenomenon.Email BrianGet Our FREE NewsletterGet Brian's Books Leave Us A VoicemailVisit Our WebsiteBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.Have you had a Bigfoot encounter, Sasquatch sighting, Dogman experience, or other cryptid or paranormal encounter? We'd love to hear your story. Email brian@paranormalworldproductions.com to be featured on a future episode of Sasquatch Odyssey.Sasquatch Odyssey is a leading Bigfoot and cryptid podcast exploring real encounters, field research, and scientific analysis of the Sasquatch phenomenon.Follow the show and turn on automatic downloads so you never miss an episode.

Nestled in a green, forested area of the Ozarks is The 1886 Crescent Hotel - a beautiful, castle-like resort surrounded by a tranquil forests where visitors can enjoy a star-filled view of the night sky. But The 1886 Crescent Hotel has a past so dark that it has been deemed America's most haunted hotel.

Twist, Focus & Recovery Flow — Complete PracticeA steady complete practice that began with scattered energy and gradually found its center through breath, attention, and movement. This class builds challenge through twisting sequences, standing strength, and balance work while maintaining a grounded, forgiving atmosphere throughout.There's a subtle theme of returning and reconnecting running through the flow. Rather than fighting distraction or forcing focus, the practice allows attention to settle naturally over time, creating a class that feels more integrated and cohesive by the end than it does at the beginning.The result is a flow that balances challenge with patience, proving that a practice doesn't have to start perfectly to become something meaningful.New class every Tuesday. 350+ full classes in the Unlimited Archive at JustGreatYoga.com

The 10-week series reaches its conclusion with the question everything has been building toward: how does it all end? Listen as Pastor Daniel Hayworth places Islamic eschatology alongside biblical teaching and walks through why the two visions of the future cannot both be true.Hear how Islam's awaited savior, the Mahdi, lines up with the Bible's description of the Antichrist, why the "Jesus" of Islamic tradition is not the Jesus of Scripture, and what the Bible actually promises about Christ's return. Perfect for your commute, workout, or quiet morning, this episode equips Christians to discern the times and live ready.You'll Learn✅ How Islamic and biblical end-times figures compare✅ Why discernment guards you from deception✅ What it means to eagerly await Christ's returnSubscribe so you never miss an episode.

Halei Musil of Crescent, OK shares how her unique award-winning products led her to a surprising cottage food business journey that has enabled her to become an integral part of her local communityGet full show notes and transcript here: https://forrager.com/podcast/168

Chad's been a part of something big in Texas, and he's ready to pull the curtain back and dive into the details. Banded Drake Ranch. 750 acres just north of Paris, Texas — 90 minutes from Dallas-Fort Worth, right on the edge of the Oklahoma panhandle. Flooded corn, natural marsh, flooded timber, rice, millet, and the Red River. This is part one of a series, and Chad starts from the ground up. From the huntable areas (All 14 of them) to the main marsh, the LP, the Triangle, the Super Slew, the Timber, the Crescent, the Park, the Wood Duck Hole, the Inner Band, the Outer Band, and more. Every inch of this property has been thought through by Matt Roseman. The blinds, the water levels, the food sources, the roosts, the loafing areas. Nothing is ever wasted, and nothing is ever random. There are 19 total memberships, and a few are left. Hunt Wednesdays, Saturdays, Sundays, storm days, and holidays. Bring a guest. Pass it down to your kids. This is a duck club built for the long haul. This episode is presented by Nutrien Ag Solutions; the team keeping BDR's soil, crops, and water management dialed in from the ground up. We will have more episodes coming on the amenities, the lodging, corporate events, and what's on the horizon. But for now, go to TheBandedDrakeRanch.com and get your questions answered! this episode is presented by Nutrien Ag Solutions, and brought to you by Banded Drake Ranch, Federal Black Cloud Ammunition, Benelli Shotguns, Greenhead Gear Decoys, Corning Ford, Mickey Thompson Tires and Wheels, and Hi-Viz Sights.

The Village Hid Its Sins Beneath the Crescent TideBecome a supporter of this podcast: https://www.spreaker.com/podcast/dark-mysteries-the-strange-and-unusual-podcast-2026--5684156/support.Darkest Mysteries Online

In Part 9 of The Cross & the Crescent, Pastor Daniel Hayworth walks through 250 years of history most of us were never taught—and shows why it matters for Christians today.Listen as he traces the line from America's first war with the Barbary states, to the Armenian genocide, to modern terrorism and the cultural battles happening right now. Along the way, he wrestles with a question worth sitting in: in a moment like this, what is the Church actually called to do?Perfect for your commute or morning routine, this is a sobering but hope-filled call to remember, to stand, and to refuse to live in fear.✅ The forgotten history behind America's founding✅ Why courage—not fear—is the biblical response✅ Practical steps for engaging the culture with faithNew episodes Monday, Wednesday, and Friday. Subscribe so you never miss one, and share this with someone who needs to hear it today.

New Episode Alert!   On this episode of Talkin' Parks, Michael Linn White talks to Assistant Director of Parks & Recreation, Rachel Singer about all wonderful hiking trails that can be found at Barfield Crescent Park. A combination of paved and dirt trails offers something for everyone from walkers and joggers, to hikers seeking more of a challenge. For more information about the trails at Barfield Crescent Park including trail guides, visit www.murfreesboroparks.com.

After 24 years of heartbreak, the wait is finally over. In this episode, we explore the tactical revolution of Vincenzo Montella and how he led Türkiye back to the world stage with a dramatic playoff victory. We break down the masterclass of captain Hakan Çalhanoğlu, the electric rise of wonderkids Arda Güler and Kenan Yıldız, and the high-intensity attacking football that has made the Turkish national team the ultimate dark horse for 2026. Get ready for a deep dive into the passion, the goals, and the new generation of stars ready to ignite North America. Türkiye national football team, 2026 FIFA World Cup, Arda Güler, Hakan Çalhanoğlu, Vincenzo Montella

In Episode 308 of the Under God Podcast, Pastor Nate Brown continues "The Cross & the Crescent" series with a thoughtful look at how spiritual amnesia has dismantled the Christian West. Listen as Pastor Nate traces the history — from the fall of Constantinople to the French Revolution to modern American classrooms — showing how forgetting God's truth always precedes cultural collapse. Hear why memory itself is a form of faithfulness, why every Christian is called to be a watchman, and why the answer to Islam — and to every cultural challenge — is still Jesus.Perfect for your morning commute, workout, or quiet reflection time. Subscribe so you never miss an episode of Under God, releasing every Monday, Wednesday, and Friday at 7 AM CT.What You'll Learn:✅ Why forgetting God always leads to cultural decline✅ How secular humanism rewrote the story of the West✅ Why tolerance without truth becomes surrender✅ How every Christian is called to be a watchman✅ The biblical pathway back: remembrance, repentance, and return

Send us Fan MailWelcome to Stories Come to Life. I am your host, Kathryn Lopez Luker. This is the first episode of Cress Delahanty, a book I loved when I read it first years and years ago. The author, Jessamyn West, was born in 1902. She moved to Orange County, California in 1908 when there were citrus groves and rural areas filled with birdsong and open spaces. This is the setting of the story we will be listening to for the next while. It begins when Cress, whose full name is Crescent, is twelve years old. She is a thoughtful, dreamy girl who has a rich inner life. Maybe you will see yourself in Cress as she grows from a child to a young woman. Or perhaps, as you watch Cress grow up, you will understand the lives of the people around you a little bit better. I hope you will learn to love this story as much as I do! Now, sit back, relax, and listen to this story come to life.Listening to audiobooks really does count as reading, and there's no better way to relax than to hear Stories Come to Life! Let me know what you think! Please send an email to me at kluker@marshallpl.org. I'd love to hear from you!

Listen as Pastor Daniel Hayworth restores three forgotten Christian heroes to memory in Part 7 of The Cross & The Crescent series — the men of the faith we were never taught to remember.Hear how Duke Godfrey of Bouillon refused a crown of gold where his Savior wore a crown of thorns. How Richard the Lionheart waded into 20,000 enemies with 2,000 men because "to live is Christ and to die is gain." How King Ferdinand III melted Islamic mosque lamps back into Christian church bells in Córdoba. And how their stories point straight to your life today.Perfect for your morning commute, workout, or drive home — Pastor Daniel anchors every story in the same Word these men trusted.You'll learn:✅ Why Christianity is a masculine, sacrificial faith✅ How biblical courage is built one obedience at a time✅ What "made for such a time as this" requires of Christians today✅ Why we join God in His work — not the reverseSubscribe to Under God for new episodes every Monday, Wednesday, and Friday at 7 AM CT — and don't miss Part 8 of The Cross & The Crescent next week.

What does ministry look like in a nation where converting from Islam can cost you everything? In this episode of the Under God Podcast, Pastor Nate sits down with a longtime missionary serving in the Middle East for a candid conversation on Islamification, persecution, and the unprecedented number of Muslims coming to Christ in our lifetime.Listen as Pastor Nate and his guest unpack the four-stage process of Islamification, the supernatural ways God is reaching Muslims through dreams and visions, and the practical wisdom every Christian needs to engage their Muslim neighbors with biblical confidence. Perfect for your morning commute or workout — this is the kind of equipping conversation Christians need but rarely get.You'll Learn:✅ The real difference between cultural, practicing, and radicalized Muslims✅ Why so many Muslims are becoming disillusioned with Islam✅ How to share Jesus with a Muslim coworker, neighbor, or friend✅ What courage in hostile cultures actually looks likeSubscribe for new episodes Monday, Wednesday, and Friday at 7 AM CT.

Today, we check in with Em Acosta, a game designer known for games like Exile and Crescent. They're heavily involved in the industry, with a lot of writing credits on all sorts of games, and they've just started a blog. Our focus is on the process of game-making. There are so many factors that go into making anything creative, and especially so in the TTRPG space. Em talks about how their process has changed over the years, the importance and complexity of playtesting and interacting with public space, and unique ways to play and consume relationships in gaming. It's a personal and engaging interview that touches on the larger processes of game writing. Check out Em Acosta at the links below:Buy their books on Mythworks or Itch.ioCheck out their Bluesky!And their new blog! Show Mentions:Bluebeard's BrideDungeon WorldPowered By the Apocalypse Girl By MoonlightBlades in the DarkNeverlandQuestDIE RPGPractical Anarchism - Shuli Branson1000-Year-Old VampireIon Heart PluribusParadise************************************⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the show for as little as $1 a month: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Add this to the end of your link on DriveThruRPG to support the show: ?affiliate_id=1044145Example: ⁠⁠⁠⁠⁠⁠https://preview.drivethrurpg.com/en/product/397612/Court-of-Blades--Scandal-Forged-in-the-Dark?affiliate_id=1044145⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our live-streaming content on ⁠⁠Twitch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Don't miss our RPG Actual Plays, tutorials, and gaming content on ⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to an excellent board game ⁠⁠podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to the Writer's Room for ⁠⁠7th Sea Adventures!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out the great games from ⁠⁠A Couple of Drakes:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to Tales of the Manticore⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on ⁠⁠Facebook,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow on BlueSky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠

NOT Elijah Abraham [NO VIDEO AVAILABLE TODAY] Mary welcomes back Elijah Abraham to catch up on his recent travels and opportunities to spread the gospel to many. Elijah travels often to various nations and teaches, counsels, and encourages believers in many corners of the world. We get an uplifting report from a pastors’ heart so that we can be encouraged as well – seeing how God is working around the world. What is the greatest need of our brethren in the Eastern Hemisphere? Is it similar to what the church in the West lacks? There is nothing like international travel to give perspective on so many things. We learn how to pray for our brethren overseas. We also take a look at Islam/Sharia in the West, and the implications for this rapidly expanding worldview; how Americans are snoozing through the entire thing to our own peril.

Listen as Pastor Daniel Hayworth guides Christians through three miraculous battles in church history where God raised up faithful men to defend what He'd entrusted to them. From the Siege of Constantinople in 717 to the Battle of Tours in 732 to the Siege of Vienna in 1683, hear how Emperor Leo III, Charles Martel, and King Sobieski stood in the gap when no other kings answered the call.Part 6 of "The Cross & the Crescent" series releases this Holy Week. Perfect for your morning commute or workout, this episode will leave you fired up to be the David God is raising up today.YOU'LL LEARN:✅ Why God provides everything needed when His people choose obedience✅ How preparation is an act of faith, not fear✅ What one generation defends, the next generation inherits✅ Why compromise with evil always leads to loss

From the book "Why Don't Jews Believe In Jesus" by Dr Eitan Bar and Presented by Gadi Hyer https://a.co/d/0aN5ZrM5Disclaimer: Any views or opinions presented in this podcast are personal and belong to the content creator. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company or individual. Note - The passage of Scripture read out loud in the beginning of each podcast episode will be in Hebrew followed by the direct translation in English from the Complete Jewish Study Bible. Come listen to something different!Shalom Aleikhem ÜBetokhëikhem, Akhaí Va'Akhyotaí BaMashíakh Yeshua! Peace be upon you and within you, my dear brothers and sisters in Messiah Yeshua!Yesha'yahu (Isa) 40:3-5 CJB[3] A voice cries out: “Clear a road through the desert for ADONAI! Level a highway in the ‘Aravah for our God! [4] Let every valley be filled in, every mountain and hill lowered, the bumpy places made level and the crags become a plain. [5] Then the glory of ADONAI will be revealed; all humankind together will see it, for the mouth of ADONAI has spoken."https://bible.com/bible/1275/isa.40.3-5.CJBYochanan (Jhn) 1:22-23 CJB[22] So they said to him, “Who are you? — so that we can give an answer to the people who sent us. What do you have to say about yourself?” [23] He answered in the words of Yesha‘yahu the prophet, “I am The voice of someone crying out: ‘In the desert make the way of ADONAI straight!'”https://bible.com/bible/1275/jhn.1.22-23.CJBAfter most regrettably being silent for almost six months, the manic messianic is returning to you now with a fresh, new podcast! I really wasn't sure which direction to go and had pondered for about four months, all while fighting the usual inner demons...Then, out of nowhere, Iran happened.There was no way in the world that I was going to ignore such a monumentally historical moment and so I had to reroute my entire content previously prepared, prior to the unfolding events occurring in Iran.As soon as I sit my boney butt in my chair, I develop a cold and absolutely none of you need to listen to me whilst nasal and drippy, coughing up one lung...I then recover rather quickly, and Passover Resurrection Sunday rolls around, once again whisking me away from recording any content... All things in ADONAI's perfect timing, Amen....? My dear listeners, believer and nonbeliever alike, we have entered into a time where there is a rather bizzare phenomenon from within the Church. A sudden embrace of Islam while simultaneously the tangible rise in the vehement hatred towards the Jew [the distortion of the statement "Christ is King" and how it's become a slogan for Jew Hate]. Both sides of this coin have a common denominator: both feel as if the Divine reason and purpose for the Jewish people has been revoked and removed, therefore justifying that the world no longer needs the Jews and that Israel has no grounds for existing. On the Christian side, we have the lie of Replacement Theology, where the Church sees itself as the replacement of Israel and that the Jews are out of the picture of Salvation. On the other side of the coin, you have Islam which time and time again declares to wipe out all who reject Islam, claiming superiority and threatening to cover the entire world. This unholy alliance is a very slippery slope, one which America has begun to slide off of...If the Divine reason and purpose for the existence of modern-day Israel is removed, then we are left with a scenario where the remaining two sides, Christianity and Islam, both claim supremacy.Clearly, there is only one winner here and it isn't Mohamed or Allah. I truly believe that church isn't anywhere near ready or prepared for what's coming...Thank you so very much for taking the time to listen and I pray that the content of this podcast episode will bless you in abundance, my dear listeners, believer and nonbeliever alike! Shalom!שלום

Listen as Pastor Stephen Martin traces the biblical theology of freedom from Mount Sinai to the cross, then contrasts it with Islamic dhimmitude — the doctrine of permanent subjugation that has shaped 1,400 years of Islamic rule. In Part 5 of The Cross & the Crescent series, Pastor Stephen explains why freedom is God's idea, why the imago Dei is the foundation of every right Christians enjoy, and why the church must wake up before our children and grandchildren pay the price.Perfect for your morning commute, workout, or drive home, this teaching will sharpen your discernment and prepare you to speak biblical truth with clarity.You'll Learn:✅ Why freedom is rooted in God's character, not government✅ How the Pact of Umar codified Christian subjugation under Islam✅ What the jizya tax really is and how it operates today✅ The four phases of Islamic takeover in the West✅ Three practical steps every Christian must take nowHear how biblical wisdom cuts through cultural chaos. Subscribe, rate, and share this episode with a fellow believer who needs clarity on what the Bible actually says about freedom and submission.

Interview with Oliver Turner, VP, Corporate Development of Americas Gold & Silver Corp.Our previous interview: https://www.cruxinvestor.com/posts/americas-gold-silver-tsxusa-undervalued-investment-series-with-oliver-turner-9605Recording date: 20th April 2026Americas Gold & Silver Corp. (TSX:USA) is one of the more straightforward turnaround-to-growth stories currently available in the silver sector. The company controls the Galena mine in Idaho's Silver Valley with 190 million ounces of silver in resource at 19% year-over-year increase in M&I mineral resources and 21% increase in M&I grades. After 14 months of operational restructuring under a new management team, the company has moved into active execution of a strategy it spent much of 2025 designing and capitalising.The operational picture at Galena is improving on several fronts. The introduction of longwall stoping, a more productive mining method than the underhand cut-and-fill technique the mine had used for a century, has already delivered results. In 2025, Galena produced silver at 473 g/t, the highest grade in 20 years. Nine longwall panels have been completed, and the transition to 70% longwall stoping by late 2027 is projected to reduce per-tonne mining costs by 40–50%. At the same time, hoisting upgrades have doubled shaft capacity and are expected to triple skipping speeds by mid-May 2026, while a fibre optic network is being installed to automate mine operations and improve productivity further.Alongside Galena, the company acquired the Crescent mine, located nine miles away, which produces the same ore type and will begin feeding the Galena mill in H2 2026. With the Galena mill currently running at roughly 55% of capacity, Crescent ore provides a near-term margin improvement by spreading fixed costs across a higher throughput base. Crescent has not seen an exploration drill hole since 2011, and the company plans to drill it aggressively as part of its 64,000-metre, $20 million 2026 exploration programme.The antimony angle is one that distinguishes Americas Gold & Silver from most silver producers. Galena is the largest producing antimony mine in the Americas and has produced antimony continuously since World War II. Until recently, the company was contractually penalised for this production rather than paid for it. That changed on January 2026 when a renegotiated offtake agreement brought antimony and copper into the revenue column. A joint venture with US Antimony to construct an on-site leaching facility is expected operational within 16 months at a total cost of approximately $50 million which will further maximise the value of that production stream. Americas Gold & Silver's 51% share is fundable from operating cash flow, and US government financing discussions are underway.From a valuation standpoint, the company currently trades at 0.6–0.7 times NAV based on eight-analyst consensus at spot prices. Comparable silver producers trade at 1.5–2 times NAV. Recent M&A in the silver sector has taken place at approximately 2 times NAV. That gap is the investment opportunity in its simplest form. Closing it requires execution and the first production report of 2026 was received positively by the market.The risks are real. Underground silver mining ramp-ups are operationally complex, and the antimony leaching facility has not yet broken ground. Investors should treat 2026 quarterly production reports as the primary scorecard. But the resource quality, cost reduction trajectory, byproduct monetisation timeline, and valuation discount to peers combine to make Americas Gold & Silver one of the more compelling risk-reward propositions in the silver producer space today.View Americas Gold & Silver's company profile: https://www.cruxinvestor.com/companies/americas-gold-silver-corporationSign up for Crux Investor: https://cruxinvestor.com

In Part 4 of The Cross & the Crescent series, Pastor Stephen Martin moves from theology to history, tracing how the doctrine of jihad fueled the rapid Islamic conquest of half of Christendom in a single century. Listen as he breaks down the Quran's explicit commands for holy war, the three-option system imposed on non-Muslims, and how internal Christian disunity accelerated the collapse of entire civilizations.You'll Learn:✅ How jihad functions as central Islamic theology, not a fringe distortion✅ The Islamic categories every Christian should know: Ummah, Dar al-Islam, Dhimmitude✅ Why 57 formerly Christian nations never recovered after Islamic conquest✅ What Scripture teaches about vigilance, stewardship, and standing firm

Can you prove the Bible is true — and that the Quran isn't? Listen as Pastor Daniel Hayworth walks through the manuscript evidence that sets Scripture apart from every other document in human history, then uses Islam's own sources to expose the fatal contradictions within the Quran. Whether you're on your commute or at the gym, this episode equips you with the evidence and confidence to defend your faith and share the gospel with anyone — including Muslims who can be reached by the truth of Jesus Christ.You'll Learn:✅ Why the Bible has more historical evidence than any ancient text ever discovered✅ How the Dead Sea Scrolls prove God's Word has not changed in over a thousand years✅ The Quran was unified by destroying all competing versions — and what that means✅ The "Islamic Dilemma" that makes it impossible for the Quran to be trueHit follow so you never miss an episode — new episodes drop every Monday, Wednesday, and Friday at 7 AM CT.

Are Muhammad and Jesus really just two men offering different paths to the same God? In Part 2 of this 10-part series, Pastor Daniel Hayworth examines the historical fruit of both men's lives — and the contrast couldn't be more clear.Listen as Pastor Daniel walks through the documented record of Muhammad's life using Islam's own sources, then shifts focus to the life, death, and resurrection of Jesus Christ. This episode will equip you with the biblical confidence to understand why the empty tomb changes everything.Perfect for your commute, workout, or morning drive — this is the truth Christians need to hear right now.You'll Learn:✅ What Islam's own records reveal about Muhammad's life and legacy✅ How Muhammad's death fulfilled his own prophecy about false prophets✅ The side-by-side contrast between Muhammad's fruit and the fruit of Christ✅ Why the resurrection is the ultimate proof that separates Jesus from every other figure✅ What it means to be an expectant church in the face of spiritual darknessNew episodes every Monday, Wednesday, and Friday at 7 AM CT. Subscribe now so you never miss an episode of this critical 10-part series.

What if the greatest threat to the Christian church isn't new at all — but 1400 years old? Listen as Pastor Daniel Hayworth launches The Cross and the Crescent, a powerful 10-part series laying the biblical and historical foundation for understanding Islam's ongoing war against Christianity.You'll Learn:✅ Why cities like Ephesus, Nicaea, and Jerusalem are no longer Christian✅ The biblical case for two kingdoms — and why they cannot coexist✅ Who Muhammad really was and how the Quran was written✅ Key Islamic terms every informed Christian needs to understand✅ How this 1400-year conflict is arriving on American doorsteps todayThis episode is perfect for your commute, workout, or study time. Pastor Daniel grounds every point in Scripture — from Deuteronomy 6 to Ephesians 6 — so you walk away equipped, not just informed.Part 1 of 10 in The Cross and the Crescent series. Hit follow so you don't miss the next episode dropping this week.

Interview with Oliver Turner, VP, Corporate Development of Americas Gold & Silver Corp.Our previous interview: https://www.cruxinvestor.com/posts/americas-gold-silver-tsxusa-new-usa-critical-minerals-hub-to-be-built-9246Recording date: 13th March 2026Americas Gold & Silver is executing an ambitious expansion strategy at its flagship Galena mine in Idaho, backed by what management argues is a significant valuation disconnect in the market. Trading at 0.7-0.85 times net asset value according to consensus analyst models, the company sits well below the peer group average of 1.5x NAV despite operating the world's third highest-grade primary silver mine.The company recently announced its largest exploration program in history, comprising 64,000 meters of drilling primarily focused at Galena. Recent results have delivered impressive intercepts approaching 5 kilograms per ton of silver, accompanied by substantial copper and antimony byproducts. The program builds on two major 2025 discoveries, including the 34 vein which has expanded to a target of 6-7 million ounces.Management's production goal centers on returning Galena to 5 million ounces annually, matching historical 2002 output levels. This target underpins a three-year operational transformation plan focused on modernization, equipment upgrades, and transitioning to more efficient mining methods. The strategy emphasizes dual objectives: increasing throughput while simultaneously improving grades through targeted drilling of high-grade zones.Executive Vice President Oliver Turner emphasized the management team's proven track record, having previously scaled production from near-zero to 200,000 gold ounces annually at both Coeur Mining and Klondex using identical operational strategies. The team's execution capability represents a key differentiator as the company navigates its growth phase.Strategic initiatives include a joint venture with US Antimony to construct an antimony processing facility at Galena, maximizing payability for critical mineral byproducts, and the acquisition of the nearby Crescent mine to generate operational synergies.With $130 million in cash and a $50 million undrawn credit facility, all planned growth initiatives are fully funded without requiring additional capital raises. At current silver prices above $84 per ounce, the company generates robust operating cash flow while investing in production expansion.View Americas Gold & Silver's company profile: https://www.cruxinvestor.com/companies/americas-gold-silver-corporationSign up for Crux Investor: https://cruxinvestor.com

The Bible and the Quran are two diametrically opposed books. While Islam claims to be a religion of peace, the religious text of the Quran proves otherwise. Through time and study, the Bible has proved to be the same book yesterday, today, and tomorrow, and is authored by the true Prince of Peace.

Weichert explores presidential policies from Clinton to Obama, the rise of the Shia Crescent, the JCPOA nuclear deal, and Iran's strategic support for various Palestinian proxies. 3.

Ryan Estes sits down with Don Lucoff, founder of DL Media and Artistic Director of the Denver Jazz Fest. Don has spent nearly four decades in jazz as a publicist, producer, and festival programmer, working with legendary artists and labels like Impulse and Blue Note. Now he is helping build a national caliber jazz festival right here in Denver. The State of Jazz Don reflects on how dramatically jazz media coverage has changed. There was a time when major outlets regularly reviewed jazz records and featured artists on national television. Today, most of that coverage has vanished. Yet jazz itself has not disappeared. It continues to shape modern music. Artists like Kendrick Lamar have collaborated with jazz musicians such as Kamasi Washington and Robert Glasper. The influence is everywhere. As Don puts it, jazz can sell everything but itself. It is deeply embedded in popular culture, even if it is no longer center stage in mainstream media. Why Denver Is a Jazz City Denver has a stronger jazz pedigree than many people realize. The Front Range is home to major jazz education programs at the University of Northern Colorado, University of Denver, University of Colorado Boulder, Metropolitan State University of Denver, and Colorado State University. These institutions consistently produce world class players. Historically, Five Points was known as the Harlem of the West, a vital stop for touring jazz musicians crossing the country. Add the Beat Generation passing through town and you have a city that has long been part of America's cultural and musical story. Inside Denver Jazz Fest The Denver Jazz Fest spans 15 venues across Denver and includes performances in Boulder County. It blends national headliners with respected local artists, creating a citywide celebration. This year's lineup includes Pat Metheny, Branford Marsalis, Bob James, and John Beasley. The festival also honors the centenary of Miles Davis and John Coltrane with special tribute performances, including a presentation of A Love Supreme by Denver saxophonist Keith Oxman. The goal is inclusivity and accessibility. Whether you are a lifelong jazz fan or just jazz curious, there is a show for you. Where to Start Listening For new listeners, Don recommends classics from the Blue Note catalog such as Lee Morgan's Search for the New Land, Herbie Hancock's Maiden Voyage, Wayne Shorter's Speak No Evil, and Grant Green's Idle Moments. From Impulse, he points to John Coltrane's Crescent and A Love Supreme, Alice Coltrane's Journey in Satchidananda, and Pharoah Sanders' Thembi. These records are not homework. They are entry points into a vast and vibrant tradition. Final Takeaway Don's career proves one thing. You may not get rich in jazz, but you can build a life around passion, community, and great music. Denver Jazz Fest is more than a series of concerts. It is a statement that this city values artistry, education, and cultural history. Learn more and get tickets at denverjazz.org. See you there.

Crescent lunge with modification ~ Crucify (5 September 1999 - Indianapolis, IN) Crucify (24 October 2017 - St. Paul, MN)

Season 4, Episode 9 - The Nourished Woman Template In this episode, we talk about something called the Female Biological Birthright, a “template” of the fully nourished, embodied woman rooted in safety and abundance. We explore how physical nourishment is just the beginning (not the end), and how women are hungry for more than minerals and macros. In fact, women have three types of hunger: self hunger, cell hunger, and mother hunger, and nourishment alone acts as an initiation and invitation for us to feed these other hungers. Links:Wondering what your dominant survival archetype is? Take the Feminine Survival Archetypes Quiz here: https://www.jessicaashwellness.com/quizCurious about Crescent? Explore more here: https://www.jessicaashwellness.com/crescentConnect: Follow me @jessicaashwellness on Instagram: https://www.instagram.com/jessicaashwellness/

Baxie welcomes back the ridiculously talented multi-instrumentalist Happy Chichester! Having played a series of great bands including Royal Crescent Mob, Afghan Whigs, Howlin' Maggie, Brad, and The Twilight Singers (and turning down the chance to join The Foo Fighters...multiple times)—he's about to release his first solo album in 13 years. The new album is titled “Test Time”. And it might just be the best of his career! Can't wait for you to hear the album and the podcast! Awesome! Listen on Apple Podcasts, Spotify, YouTube, and on the Rock102 app! Brought to you by Metro Chrysler Dodge Jeep Ram of Chicopee!

Season 4, Episode 8 In this episode, we explore what's really at the root of women's “dysregulated” nervous systems. We talk about the physiological cost of living in a state of stress and challenge the language of modern wellness to show why "dysregulated" isn't even the right word for this state to begin with. Give it a listen to explore how to break free from a linear, fix-it approach to healing that puts you in a box you were never meant to fit in. Links:Wondering what your dominant survival archetype is? Take the Feminine Survival Archetypes Quiz here: https://www.jessicaashwellness.com/quizCurious about Crescent? Explore more here:  https://www.jessicaashwellness.com/crescentConnect: Follow me @jessicaashwellness on Instagram: https://www.instagram.com/jessicaashwellness/

SHIFTS IN US POLICY AND THE RISE OF THE SHIA CRESCENT Colleague Brandon Weichert. This section tracks US policy shifts from Clinton's diplomatic attempts to the unintended consequences of the 2003 Iraq War. Weichert argues that removing Saddam Hussein eliminated a check on Iranian power, allowing Tehran to establish a "Shia Crescent" of influence stretching to Lebanon. The conversation covers the deep Sunni-Shia hostility and Iran'sstrategic co-opting of the Palestinian cause to weaken Israel. It also critiques the Obama administration's JCPOA, describing it as a failed attempt to equalize regional power between Iran and Israel, and traces Iran's nuclear ambitions back to Eisenhower's "Atoms for Peace" program. SHADOW WAR BY BRANDON WEICHERT NUMBER 31897 DAMASCUS

Angel Studios https://Angel.com/HermanJoin the Angel Guild today where you can stream Thank You, Dr. Fauci and be part of the conversation demanding truth and accountability.  Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeThe New Confederacy Has a Star and Crescent //  Trump Pushes Drugs  // “Expert on “White, Christian Nationalism” Says “Black Christian Nationalism is Fine.Episode links:  Former TSA agent says she remembers millions of dollars in cash being flown out of Minneapolis St. Paul International AirportPalestinian Islamic scholar in Chicago, Mohammad Nusairat: “We did not come here to coexist. We are superior to everyone else and will not be surpassed. No one is above us. If other religions want to live with us, they have to worship Allah.”Minneapolis Police Chief on ICE detaining illegals:  “Mary and Joseph themselves were considered outsiders and forced to stay in a barn.”Trump DOJ seeks to quash Pfizer whistleblower's lawsuit over COVID shots; The Justice Department attorney did not mention the Trump FDA's recent admission linking the COVID shots to at least 10 child deaths so far.Leftists uniquely target white Christians.

On November 28, 1974, 28-year-old Karen Silkwood was killed in a car wreck on Highway 74 near Crescent, Oklahoma. Her death was officially ruled an accident. But her friends, family, and co-workers knew the real story: she had been killed for what she knew - and what she was about to do about it. In her car was a folder full of evidence that she was about to turn over to the New York Times detailing the plutonium  contamination of herself and her fellow workers at the local nuclear energy plant, and, crucially, evidence that the plant and THE UNITED STATES GOVERNMENT, was complicit in nuclear proliferation - AKA GIVING FOREIGN POWERS THE TOOLS TO MAKE NUCLEAR WEAPONS. Gird your loins, Fam, because we are not having it! Find and watch "What Happened to Karen Silkwood? The Lost Tapes" on Hulu WE'RE ON YOUTUBE - Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE! LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more! Episode Sponsors: Kettle and Fire - For a limited-time, you can get a free carton of Kettle & Fire bone broth by going to www.KettleAndFire.com/TCO Against The Odds - Follow Against The Odds on the Wondery App or wherever you get your podcasts, or binge all episodes early and ad-free right now on Wondery+ Chime - Make progress towards a better financial future with Chime. Open your account in 2 minutes at www.chime.com/TCO Home Chef -  Make cooking simple: fresh food delivered, easy recipes to follow and meals that actually taste great. Go to www.HomeChef.com/TCO for 50% off your first box and free dessert for life! Everyday Dose - Coffee with benefits! Visit www.everydaydose.com/TCO for  61% off your first subscription order! Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!