Podcasts about Crowell

This week's episode covers developments involving the Foreign Corrupt Practices Act, and is hosted by Peter Eyre and Alex Kramer. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

In recognition of World Elder Abuse Awareness Day (June 15), hosts Payal Nanavati and Savanna Williams talk to Jen Mika about best practices that providers should keep in mind to combat elder abuse, neglect, and exploitation. This podcast episode features the following speakers: Jen Mika is a counsel in Crowell's DC office and is considered a leading authority on Elder Law in the District of Columbia. Jen was the District of Columbia's first prosecutor solely focused on investigating and prosecuting financial exploitation of elders and vulnerable adults.

This week's episode covers four DOD memos pertaining to procurement and steps the government is taking to implement recent executive orders, and is hosted by Peter Eyre and Sarah Styles. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

Continuing to focus on the Trump Administration tariffs, in this session, Crowell hosts Nicole Simonian and Dj Wolff, Co-Chairs of the International Trade Group, talk with Daniel Wolff, Crowell's Litigation and Trial partner, as they review and consider the impact of the Court of International Trade's recent decision on the tariffs imposed pursuant to the International Emergency Economic Powers Act (IEEPA). Global Trade Talks is a podcast that shares brief perspectives on key global issues on international trade, current events, business, law, and public policy as they impact our lives.

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. 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We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Advice, opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

April 26, 2025 - Equipped 2025 - Day 3 - 11:00AM Session   Lacy leads a wonderful discussion on the marriage imagery described in Isaiah when explaining the relationship between God and Israel.    Isaiah 54 - A Perpetual Covenant of Peace 54 “Sing, O barren, You who have not borne! Break forth into singing, and cry aloud, You who have not labored with child! For more are the children of the desolate Than the children of the married woman,” says the Lord. 2 “Enlarge the place of your tent, And let them stretch out the curtains of your dwellings; Do not spare; Lengthen your cords, And strengthen your stakes. 3 For you shall expand to the right and to the left, And your descendants will inherit the nations, And make the desolate cities inhabited. 4 “Do not fear, for you will not be ashamed; Neither be disgraced, for you will not be put to shame; For you will forget the shame of your youth, And will not remember the reproach of your widowhood anymore. 5 For your Maker is your husband, The Lord of hosts is His name; And your Redeemer is the Holy One of Israel; He is called the God of the whole earth. 6 For the Lord has called you Like a woman forsaken and grieved in spirit, Like a youthful wife when you were refused,” Says your God. 7 “For a mere moment I have forsaken you, But with great mercies I will gather you. 8 With a little wrath I hid My face from you for a moment; But with everlasting kindness I will have mercy on you,” Says the Lord, your Redeemer. 9 “For this is like the waters of Noah to Me; For as I have sworn That the waters of Noah would no longer cover the earth, So have I sworn That I would not be angry with you, nor rebuke you. 10 For the mountains shall depart And the hills be removed, But My kindness shall not depart from you, Nor shall My covenant of peace be removed,” Says the Lord, who has mercy on you. 11 “O you afflicted one, Tossed with tempest, and not comforted, Behold, I will lay your stones with colorful gems, And lay your foundations with sapphires. 12 I will make your pinnacles of rubies, Your gates of crystal, And all your walls of precious stones. 13 All your children shall be taught by the Lord, And great shall be the peace of your children. 14 In righteousness you shall be established; You shall be far from oppression, for you shall not fear; And from terror, for it shall not come near you. 15 Indeed they shall surely assemble, but not because of Me. Whoever assembles against you shall fall for your sake. 16 “Behold, I have created the blacksmith Who blows the coals in the fire, Who brings forth an [a]instrument for his work; And I have created the [b]spoiler to destroy. 17 No weapon formed against you shall prosper, And every tongue which rises against you in judgment You shall condemn. This is the heritage of the servants of the Lord, And their righteousness is from Me,” Says the Lord.   Video: 2025 Equipped Workshop 4-26-25 - "WIFE AND MOTHER IMAGERY IN ISAIAH"- Lacy Crowell Duration 39:26

Laney Crowell is the founder & CEO of Saie, a clean beauty brand dedicated to making high-performing products that are elevated, effortless, and always easy to use.Laney's path to entrepreneurship was anything but traditional. The daughter of a diplomat, Laney spent her childhood bouncing between continents, learning to adapt before she even knew the word for it. She began her career in entertainment, pivoted into editorial at ELLE and Lucky, and eventually found herself leading digital strategy at Estée Lauder – just as social media was transforming the beauty industry. But even with a dream job and a coveted title, something felt off.While pregnant with her first daughter, Laney stepped away from corporate life to start a wellness blog called The Moment. She didn't have a master plan – just a desire to create space for more real & honest conversations around beauty and wellbeing. That blog would spark an incredible community and eventually give birth to Saie, the clean beauty brand that's now backed by Gwyneth Paltrow and Unilever Ventures, and leading a new wave of what beauty can look and feel like.In today's episode, Laney opens up about the real journey behind the brand: how she built Saie without industry connections or startup experience, the moments she almost gave up, and why learning to trust her gut was the best business strategy she never planned. We talk about persistence, resilience, the unglamorous side of fundraising, and the unexpected ways motherhood reshaped her leadership—and her mission. If you've ever felt like the outsider in the room, or you're dreaming of building something meaningful on your own terms, this episode is for you.In this episode, we'll talk to Laney about:* What “perfectionism” looks like for Laney. [02:26]* How Laney's childhood shaped her comfort with discomfort. [04:37]* Struggling to fit into corporate culture. [06:40]* Breaking into the editorial world. [08:37]* Working at Estée Lauder and finding expanders. [11:11]* Launching her blog and building community. [13:19]* The inspiration behind founding Saie. [14:28]* How past work experience prepared her for Saie. [17:09]* Laney's first experience with motherhood. [18:13]* Early days of creating Saie. [19:09]* Biggest lessons from fundraising. [20:40]* Secured key investors including Unilever and Gwyneth Paltrow. [25:00]* Developing Saie's first product. [28:00]* How building Saie changed Laney as a person. [31:07]* How motherhood made her a stronger businesswoman. [35:40]* Awareness as a key driver of Saie's growth. [39:30]* The power of trusting her team to lead and grow. [43:09]This episode is brought to you by beeya: * Learn more about beeya's seed cycling bundle at https://beeyawellness.com/free to find out how to tackle hormonal imbalances. * Get $10 off your order by using promo code BEHINDHEREMPIRE10Follow Yasmin: * Instagram: https://www.instagram.com/yasminknouri/* Stay updated & subscribe to our newsletter: https://www.behindherempire.com/Follow Laney: * Instagram: https://www.instagram.com/laney/* Instagram: https://www.instagram.com/saiebeauty/* Website: https://saiehello.com/ Hosted on Acast. See acast.com/privacy for more information.

This week's episode covers a SBA notice relating to the mentor-protégé program, an Army memo about its transformation strategy, revisions to DCSA Form 328, DOD's Software Fast Track Initiative, and revisions to DOJ's Corporate Enforcement and Voluntary Self-Disclosure Policy, and is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

This week on Off the Shelf, Rob Burton, partner at Crowell & Moring LLP, shares his insights and analysis on how the Trump Administration's first 100 days is restructuring the federal procurement market. Burton discusses the Department of Government Efficiency structure and role in the resetting procurement operations, and highlights the key executive orders reshaping the procurement system, including the consolidation of procurement at GSA, the FAR re-write, and the streamlining of defense acquisition. Burton talks about the key organizations, vision, and goals for the procurement consolidation and the revolutionary FAR Overhaul (RFO). Finally, he shares his thoughts on the future of government-wide and commercial item contracting, including his take on the federal supply schedules and the IT GWACs. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Crowell's hosts Agustin Orozco and Jason Crawford speak with Crowell attorneys Simeon Yerokun and Katherine Quinn about DOJ's plan to aggressively use the FCA against illegal foreign trade practices. This episode includes discussion of common areas of FCA enforcement in cases involving allegations of customs fraud, and the hosts address steps that importers can take to mitigate risks. "Let's Talk FCA" is Crowell & Moring's podcast covering the latest developments with the False Claims Act.

Parkinson's: Diagnosis and Treatment Evaluation and Credit:  https://www.surveymonkey.com/r/medchat78 Target Audience             This activity is targeted toward primary care physicians and advanced providers. Statement of Need This podcast will provide an overview of the diagnosis and management of Parkinson's disease including screening guidelines to improve early recognition. In that early symptoms of Parkinson's disease can mimic other conditions, for early recognition a review of this will be highlighted. The goal of this podcast is to provide tools for early recognition and management to maintain a patient's quality of life. According to the Parkinson's Foundation, there are approximately 90,000 people in the U.S. diagnosed with Parkinson's each year, which represents significant increase.  Objectives  Define Parkinson's disease and highlight its prevalence. Explain the signs and symptoms of Parkinson's disease, including the moto and non-motor manifestations. Outline the diagnostic criteria for Parkinson's disease, including clinical evaluations, neurological exams and applicable testing. Discuss the management of Parkinson's disease symptoms, addressing pharmacological treatments, surgical options and multidisciplinary team strategies to optimize patient care. ModeratorGregory E. Cooper, M.D., Ph.D. Neurologist Chief of Adult Neurology and Director of the Memory Center Norton Neuroscience Institute Louisville, Kentucky SpeakerJason L. Crowell, M.D. Neurologist and Movement Disorders Specialist Norton Neuroscience Institute Louisville, Kentucky  Moderator and Planner Disclosures  The moderator, Gregory E. Cooper, M.D., Ph.D, discloses relevant financial relationships with Eli Lilly and Eisai as a principal investigator. The planners of this activity do not have any relevant financial relationships with ineligible companies to disclose.   Speaker DisclosureThe speaker, Jason L. Cromwell, M.D. discloses a relevant financial relationship with the ineligible company AbbVie as a consultant and CND Life Services in research.  All relevant financial relationships have been successfully mitigated. Commercial Support There was no commercial support for this activity.    Physician Credits Accreditation Norton Healthcare is accredited by the Kentucky Medical Association to provide continuing medical education for physicians. Designation Norton Healthcare designates this enduring material for a maximum of .50 AMA PRA Category 1 Credits™. Physicians should claim only the credit commensurate with the extent of their participation in the activity. Nursing CreditsNorton Healthcare Institute for Education and Development is approved as a provider of nursing continuing professional development by the South Carolina Nurses Association, an accredited approver by the American Nurses Credentialing Center's Commission on Accreditation. This continuing professional development activity has been approved for 0.50 ANCC CE contact hours.  In order for nursing participants to obtain credits, they must claim attendance by attesting to the number of hours in attendance.  For more information related to nursing credits, contact Sally Sturgeon, DNP, RN, SANE-A, AFN-BC at (502) 446-5889 or sally.sturgeon@nortonhealthcare.org. Resources for Additional Study/References  Perspectives of People At-Risk on Parkinson's Prevention Research https://pubmed.ncbi.nlm.nih.gov/38489198/ Risk of Parkinson Disease Among Adults With vs Without Posttraumatic Stress Disorder https://pubmed.ncbi.nlm.nih.gov/35925604/ Date of Original Release | May 2025; Information is current as of the time of recording.  Course Termination Date | May 2028 Contact Information | Center for Continuing Medical Education; (502) 446-5955 or cme@nortonhealthcare.org Also listen to Norton Healthcare's podcast Stronger After Stroke. This podcast, produced by the Norton Neuroscience Institute, discusses difficult topics, answers frequently asked questions and provides survivor stories that provide hope. Norton Healthcare, a not for profit health care system, is a leader in serving adult and pediatric patients throughout Greater Louisville, Southern Indiana, the commonwealth of Kentucky and beyond. More information about Norton Healthcare is available at NortonHealthcare.com.  

This week's episode covers the FAR rewrite initiative, GSA's OneGov Strategy, and a GSA incentive program that rewards employees with financial bonuses when the agency meets its spending reduction goals, and is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

Crowell hosts Nicole Simonian and Dj Wolff continue their conversation with Dan Cannistra on the Trump Administration tariffs. This session focuses on recent modifications to the automotive/auto parts tariffs, including discussion about the impact of the recent Executive Order “Addressing Certain Tariffs on Imported Articles” and other related guidance. Global Trade Talks is a podcast that shares brief perspectives on key global issues on international trade, current events, business, law, and public policy as they impact our lives.

Local protestor Caitlin Love-Crowell outside the Hyatt Regency on Wednesday before Chief Justice John Roberts' fireside chat in the City of Buffalo full 159 Thu, 08 May 2025 08:30:00 +0000 cDHAYLJ1id9295UsnyKmUq9aPisWrD2q buffalo,news,wben,u.s. supreme court,john roberts WBEN Extras buffalo,news,wben,u.s. supreme court,john roberts Local protestor Caitlin Love-Crowell outside the Hyatt Regency on Wednesday before Chief Justice John Roberts' fireside chat in the City of Buffalo Archive of various reports and news events 2024 © 2021 Audacy, Inc. News

Industry podcasters and a print media representative shared insights on the evolving energy landscape. They discussed innovative technologies like module-level storage and lightweight solar, the current uncertain industry sentiment, and emerging opportunities in battery storage and solar servicing amidst economic shifts. Topics covered: New solar and storage technologies, including module-level batteries and lightweight modules, garnered attention for their innovative approaches. The industry is experiencing uncertainty and restructuring alongside emerging opportunities in service and battery sectors.‍ Policy shifts and economic conditions are creating both challenges and driving the need for adaptation. Reach out the Nico Johnson and other guests here: Nico Johnson LinkedIn: www.linkedin.com/in/nickalus/ SunCast Media LinkedIn: www.linkedin.com/company/suncast-media/ SunCast Media Website: www.suncast.media/ Chris Crowell LinkedIn: www.linkedin.com/in/chris-crowell-b065729/ Solar Builder Magazine Website: www.solarbuildermag.com/ Joe Ordia LinkedIn: www.linkedin.com/in/joeordia/ Solar Surge Website: www.solarsurge.net/   Learn more at www.solarSEAN.com and be sure to get NABCEP certified by taking Sean's classes at www.heatspring.com/sean

On this Episode of the Balanced Warrior Podcast, we have J.D. Crowell, a successful real estate investor from South Carolina. J.D. shares his entrepreneurial journey and insights on high achievement while maintaining a balanced life. J.D.'s primary business helps high performers convert hard-earned money into passive income through apartment building investments. He also has associated property management and transactional arms. Growing up in a blue-collar family and even living in the basement of a car dealership instilled a strong work ethic that fueled his entrepreneurial journey. Over five years, J.D. scaled his real estate portfolio to over 1250 apartment units by applying his finance and business acumen. Episode Highlights: The Power of Continuous Learning: J.D. emphasizes the importance of constant learning and self-education, highlighting his significant annual investment in professional development. "Dark Fuel" for Motivation: J.D. reveals that early skepticism and being underestimated served as "dark fuel" to drive his success. Family as Priority: J.D. stresses the importance of family, sharing his long-term relationship with his high school sweetheart and their two children. Life by Design, Not Chance: J.D. emphasizes that his lifestyle is a result of intentional planning, hard work, and navigating challenges. Continuous Self-Improvement: With financial success, J.D. remains committed to daily self-improvement and becoming a better version of himself. Challenging the Idea of "Balance": J.D. suggests that true "balance" might not exist in a time-for-time sense but rather focuses on the quality of time spent in different areas of life. Non-Negotiables: J.D. highlights the importance of daily non-negotiables, such as working out twice a day, to ensure his key priorities are consistently met.

Crowell hosts Nicole Simonian and Dj Wolff speak with Daniel Cannistra as he helps our listeners understand the current tariff landscape and discusses some best practices for how to navigate. Global Trade Talks is a podcast that shares brief perspectives on key global issues on international trade, current events, business, law, and public policy as they impact our lives.

On this episode of A Hard Look, we examine the President's power to remove independent agency officials. That's right! We're going all the way back to the 1935 landmark decision in Humphrey's Executor v. United States. Helping us navigate this discussion is Daniel Wolff, Partner at Crowell & Moring LLP, and head of the firm's administrative law practice. Tune in for an in-depth discussion on the future of executive authority and regulatory independence.Show Notes:Editorial Note: This episode was recorded in March 2025, and the status of any ongoing cases discussed may have changed since then.Recommended ReadingsHumphrey's Executor v. United States (1935)Myers v. United States (1926)Morrison v. Olson (1988)Seila Law LLC v. Consumer Financial Protection Bureau (2020)Trump v. Wilcox (2025)This episode was produced by the Administrative Law Review Senior Technology Editor, Sophia Navedo-Quinones, and Technology Editor, Victoria Paul.If you have any questions about this episode or the podcast, or if you would like to propose a topic or guest, please e-mail us at ALR-Sr-Tech-Editor@wcl.american.edu.Visit our website:  https://administrativelawreview.org/podcast-a-hard-look/

In this episode, Ryan sits down with Cait Crowell to explore personal sovereignty in a world that's pushing convenience over consciousness. They unpack how modern Western health has drifted from true wellness, the importance of making empowered choices, and how real food and intentional living are the foundation for lasting health. This conversation is a reminder that ownership of your body, mind, and life is the ultimate freedom.

In episode four of NAWL's Bridging Divides series, NAWL's Executive Director, Karen Richardson, engages in a compelling conversation with Anne Li of Crowell & Moring LLP and Ella Spottswood of Planned Parenthood Federation of America. They discuss their recent victory in a significant reproductive rights case in Missouri. Listen as our guests share their firsthand experiences and insights from working on the case, and explore the potential nationwide impact on reproductive rights. Tune in to learn more about the case and find out how you can support the organizations making a difference. Get involved with Planned Parenthood.If you are interested in partnering with Planned Parenthood as pro bono counsel, please reach out to Cecilia DosSantos, cecilia.dossantos@ppfa.org. Eleanor (Ella) Spottswood is a senior staff attorney in the litigation department at Planned Parenthood Federation of America, where she advocates to protect and expand reproductive freedoms nationwide. She recently won a preliminary injunction that allowed abortion access to resume in Missouri for the first time since Dobbs. Prior to working for Planned Parenthood, Ms. Spottswood served as the Solicitor General for Vermont, focusing on appeals and constitutional litigation. She also served for six years as the Chair of the Vermont Judicial Nominating Board.Ms. Spottswood graduated with high honors from Harvard University and earned her law degree from New York University School of Law, where she served on the board of the Law Review. After law school, she clerked on the Vermont Supreme Court and for Judge Berle Schiller of the U.S. District Court for the Eastern District of Pennsylvania.  Anne Li is co-chair of the firm's Life Sciences and Patents groups. She is a first-chair trial lawyer in intellectual property who focuses on biotech, pharma, life sciences, and medical device industries. She has successfully represented clients using outside-the-box strategies, both in and out of the courtroom. Her goal is always to reach a good business resolution, but when that is not possible, she zealously uses litigation as a tool to get the best outcome for her clients. She represents clients whose groundbreaking products and services raise complex legal questions at the nexus of collaborators and competitors, including those times when one shifts to the other. She has successfully represented companies in bet-the-company litigations, often scoring key wins long before trial, resulting in favorable settlements. Companies rely on Anne to help them navigate the intersection of intellectual property and business because she provides in-house counsel with patent, unfair competition, and trade secret advice that is practical and actionable. She takes time to learn a client's business—from biotech startups to multibillion-dollar pharmaceutical companies and everything in between—so she can help them develop bespoke strategies that work for their unique situations. Clients also appreciate Anne's ability to match legal strategies with their risk tolerance and business objectives. Her approach is informed by her commitment to developing long-standing relationships with in-house counsel and her knowledge of the industry and related technologies. Furthering Anne's commitment to creating a strong and wide-reaching network across industries and the bar, Anne serves on the Executive Committee of the William C. Conner Inn of Court and is active in the NY Intellectual Property Law Association. She is also a member of Crowell's Pro Bono Committee. 

This week's episode features a discussion of several common government contractor questions involving payment delays, cost increases due to tariffs, and inability to obtain certain government approvals. This episode is hosted by Peter Eyre and Skye Mathieson. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

This week's episode features a deep-dive on Executive Order 14265, Modernizing Defense Acquisitions and Spurring Innovation in the Defense Industrial Base, which calls for a “comprehensive overhaul” of the DoD acquisition system to deliver state‐of‐the‐art capabilities at speed and scale. This episode is hosted by Yuan Zhou, Jon Baker, and Eric Ransom. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without. Modernizing Defense Acquisitions and Spurring Innovation in the Defense Industrial Base: https://www.whitehouse.gov/presidential-actions/2025/04/modernizing-defense-acquisitions-and-spurring-innovation-in-the-defense-industrial-base/

In this episode of the HR Leaders Podcast, we sit down with Carmen Barboza, PHR, CPCC, Chief Human Resources Officer at Crowell & Moring, to explore how clarity, curiosity, and courage are shaping the future of HR leadership.Carmen shares how her coaching background influences her leadership style, how she builds trust during uncertainty, and why direct conversations can transform workplace culture.

On "Forbes Newsroom," attorney Daniel Wolff, a partner at Crowell, discussed the many legal challenges that have emerged to attempt to end President Trump's tariffs, the underlying arguments behind them, and whether they might be heard before the Supreme Court.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan Wolff, partner and Crowell & Moring, joined "Forbes Newsroom" to discuss the legal challenges some of President Trump's tariffs are facing after a lawsuit alleges the president overstepped his authority by imposing levies against China using the International Emergency Economic Powers Act.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Oklahoma Softball assistant coach JT Gasso and Oklahoma head men's tennis coach Nick Crowell preview their respective weekends.

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This week's episode features a deep dive on the President's Executive Order, Eliminating Waste and Saving Taxpayer Dollars by Consolidating Procurement, which directs the consolidation of certain types of “domestic federal procurement” under the General Services Administration in an effort to “eliminate waste and duplication.” This episode is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.   Eliminating Waste and Saving Taxpayer Dollars by Consolidating Procurement: https://www.whitehouse.gov/presidential-actions/2025/03/eliminating-waste-and-saving-taxpayer-dollars-by-consolidating-procurement/  

Live from the Hub Stage at Intersolar 2025, Nico gathers a powerhouse podcaster panel to dig into what's really going on in the solar & battery sectors. Sean White (Solar Sean), Chris Crowell (Solar Builder), and Joe Ordia (Solar Surge) don't hold back as they swap stories and product insights live from the show floor, and discuss the tough realities facing the solar sector presently.It's equal parts geek-out, gut check, and group therapy. Don't miss this behind-the-scenes take from media voices walking the solar beat daily.

Beki Crowell is a Soul Artist and Vibrational Healer, known for her bold, colorful paintings that serve as both expressions of beauty and portals for healing and awakening. In this lively and heart-centered conversation, you'll learn about the healing power of Bach flower essences, using the Akashic Records to assist clients, and how we can navigate pain while keeping an open heart. www.bekiart.comWe want to support YOU on your journey. Please like, subscribe, and SHARE to help this information reach those who need it. Your comments are read and appreciated; unkind or disrespectful posts will be removed.Samantha Kaufmann, Medium/Energy Channeler, and Spiritual Life Coachhttps://afirewithin.mehttps://www.youtube.com/@afirewithinme https://www.instagram.com/samanthalovekaufman/William Brown, Trance Channel, and Reiki Master Teacherhttps://william-brown.com/https://palmandlotus.com/Signup for my monthly community channeling:https://teamup.com/ksns97bqc7bamr5w2oDr. Allison Brown, award-winning author, Quantum Healer, and Reiki Master Teacherhttps://drallisonbrown.com/https://palmandlotus.com/https://theoriginstory.earth/Purchase Allison's books here:https://amzn.to/40YUSQnThank you to:Chrysilla Lewies for the intro graphic and voice over workLeadin/Leadout Video by Matthias Groeneveld from Pixabay Intro/Exit Music by AlexiAction from Pixabay

Ever wondered how a personal problem could turn into a successful business? In this episode, Britney Crowell, founder and inventor of CurlCap takes us on her journey from deconstructing her dad's old hat to address her own scalp psoriasis to becoming the first Black woman with a patented product to sell officially licensed Disney apparel, yes THAT Disney!You'll hear firsthand how protecting her intellectual property through patents made all the difference when major opportunities came knocking.This conversation goes beyond business basics as Britney opens up about the difficult decisions entrepreneurs face – from walking away from Amazon's marketplace to navigating partnership transitions with integrity. Her story shows the reality of perseverance, community building, and creating a lasting legacy.Whether you're struggling to protect your creative work, looking to build a purpose-driven brand, or simply need inspiration to turn your own problems into profitable solutions, Britney's wisdom will leave you ready to take action on your dreams.Learn more about The NEXT Best Thing Community: https://startyourrewrite.com/the-next-best-thing-interestSubscribe to the NEXT Nuggets Newsletter: https://thenextbestthingact.com/Follow The NEXT Best Thing on IG @nextbestthingpodStay in touch with Britney:Get Your Curl Cap: https://www.curlcaps.com/IG: https://www.instagram.com/curlcap/Britney's IG: https://www.instagram.com/britney_sade/

We're back with an all-new episode, featuring the one and only Claire Crowell! Claire is the President at A. Marshall Hospitality and the CEO of Hattie Jane's Creamery. This marks her fourth time on the show, and she always brings incredible insights into the restaurant industry.Claire also writes The Out of the Weeds Collective, where she shares her thoughts on restaurant leadership and leadership in general.In this episode, we dive into:✔️ What brought Claire back to A. Marshall Hospitality✔️ A behind-the-scenes look at her typical day✔️ Her best leadership advice✔️ General industry talk—trends, challenges, and opportunitiesDon't miss this one!

This week's episode features a deep dive on the President's Executive Order, Implementing the President's Department of Government Efficiency Cost Efficiency Initiative, which imposes significant requirements and will likely impact many government contractors and grantees. This episode is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.   Implementing the President's Department of Government Efficiency Cost Efficiency Initiative: https://www.whitehouse.gov/presidential-actions/2025/02/implementing-the-presidents-department-of-government-efficiency-cost-efficiency-initiative/  

This week's episode covers GSA Class Deviations partially implementing the Ending Illegal Discrimination and Restoring Merit-Based Opportunity Executive Order, the White House memorandum entitled Radical Transparency About Wasteful Spending, litigation challenging recent government actions, and other developments we are tracking, and is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

Former OU President David Boren passes away. OU men's tennis coach Nick Crowell joins the show.

A lawsuit alleges horrific sexual abuse at an Arizona facility for troubled teen, with 13 alleged victims claim sexual assault or abuse by staff at Mingus Mountain Academy. Lawyer at Meadow Law Firm Ashley Crowell joins us to explain this lawsuit. 

In this episode, hosts Jason Crawford, Agustin Orozco, and Yuan Zhou discuss the evolving disclosure landscape and the various risks and rewards that contractors must weigh when deciding what to disclose, when to disclose, and where to direct the disclosure. "Let's Talk FCA" is Crowell & Moring's podcast covering the latest developments with the False Claims Act.

This week's episode covers a proposed rule to implement the 2022 Preventing OCIs in Federal Acquisition Act, a proposed rule amending the FAR to implement federal government-wide Controlled Unclassified Information cybersecurity, training, and incident reporting requirements, and a final rule amending multiple aspects of the SBA's small business size and status programs, and is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

Originally featured on the Ambitious Entrepreneur Show, I'm excited to bring this powerful episode to the Christian Entrepreneurs Podcast as well! With 2025 now upon us, it's the perfect time to pause, reflect, and learn from the experiences that shaped the past year. 2024 was filled with both triumphs and challenges—moments of growth, unexpected obstacles, and invaluable lessons that have impacted both my personal and professional journey. To unpack it all, I'm sitting down with my friend and fellow entrepreneur, Karen Crowell, for a heartfelt conversation we've titled 2024 Reflections: Successes & Challenges. Together, we dive into the realities of entrepreneurship—balancing health and business, navigating setbacks, and celebrating personal victories, from launching group coaching programs to exploring new passions. We openly discuss the obstacles we've faced, the insights we've gained, and the strategies that helped us move forward, all with the hope of inspiring and equipping you as you step into the new year. I couldn't be more excited for the opportunities that 2025 holds. A fresh start is here, and we're committed to helping you make the most of it. Join us for this powerful conversation filled with encouragement, practical wisdom, and actionable strategies to fuel your success. Let's make 2025 a year of growth, purpose, and fulfillment—together! Here are three key takeaways to enhance your storytelling in business: The Balancing Act: Their challenges, from navigating illness to finding harmony between home life and business. Health & Productivity: Tips on integrating wellness into your entrepreneurial journey. Financial Wisdom: Strategies for fostering fiscal clarity and reducing stress through profit-first principles. CONTINUE THE CONVERSATION:   Continue the conversation about this podcast episode over on our Community! Enjoy This Podcast? If you enjoyed today's episode of Ambitious Entrepreneur Podcast, then hit subscribe now!  Post a review and share it! If you learned something by tuning into this podcast, do not hesitate to write a review and share it with your friends, so they can find out more about how to generate returns from a Google Ads account.  For more updates and episodes, visit the Ambitious Entrepreneur Show website. You can also subscribe through Apple Podcasts, Google Podcasts, Spotify, Stitcher, Email, RSS, and more!  You can also follow us through Facebook.  Additional Resources: 5 Pillars to Build Visibility, Generate Leads and Enrol Clients with Ease Quiz  Are You Ready to Launch Your Coaching Business Podcast? Take the Quiz  Want to launch your own Thought Leader Podcast? Access my ‘Are You Ready to Launch Your Podcast' Quiz here, and/or book a time to chat. Have any questions? You can contact me through these platforms:  Linkedin  Instagram  Facebook  To staying ambitious,  Annemarie  Learn more about your ad choices. Visit megaphone.fm/adchoices

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Self-imposed Snares - Willfully Toying with DangerWebsite: http://www.battle4freedom.com/Network: https://www.mojo50.comStreaming: https://www.rumble.com/Battle4Freedomhttps://www.biblegateway.com/passage/?search=Psalm%20106%3A36&version=CJBPsalm 106:36They went on to serve their idols, which became a snare for them.https://pmc.ncbi.nlm.nih.gov/articles/PMC4484576/Alcohol and Sexual AssaultAt least one-half of all violent crimes involve alcohol consumption by the perpetrator, the victim, or both (Collins and Messerschmidt 1993). Sexual assault fits this pattern. Thus, across the disparate populations studied, researchers consistently have found that approximately one-half of all sexual assaults are committed by men who have been drinking alcohol. Depending on the sample studied and the measures used, the estimates for alcohol use among perpetrators have ranged from 34 to 74 percent (Abbey et al. 1994; Crowell and Burgess 1996). Similarly, approximately one-half of all sexual assault victims report that they were drinking alcohol at the time of the assault, with estimates ranging from 30 to 79 percent (Abbey et al. 1994; Crowell and Burgess 1996). It is important to emphasize, however, that although a woman's alcohol consumption may place her at increased risk of sexual assault, she is in no way responsible for the assault. The perpetrators are legally and morally responsible for their behavior.https://mol.im/a/14327087Florida principal arrested after more than 100 kids are found drinking at her homehttps://mol.im/a/14326909Revealed: Beloved rock climber's tragic final post before she fell off steep Nevada cliff to her deathhttps://mol.im/a/14215165The dangerous new trend that's claiming the lives of youngsters: 'It's like Russian roulette'https://mol.im/a/14326985Tragedy as Ohio woman freezes to death while taking her dog outsidehttps://mol.im/a/14294031Former Biggest Loser trainer Jillian Michaels SLAMS Ozempic: 'Try anything else'https://mol.im/a/14318535NASA ends DEI programs that 'wasted taxpayers dollars and resulted in shameful discrimination'https://mol.im/a/14312163Nuclear fusion breakthrough: China's 'artificial sun' reactor sets a new world record by generating a steady loop of plasma for 1,066 seconds - taking the world closer towards limitless clean energyCredit to:https://unsplash.com/@grianghraf for cuffs

Now that 2025 is here, it's the perfect time to reflect on the challenges, milestones, and lessons that shaped the past year. 2024 has been full of challenges, milestones, and lessons that have shaped both my personal and professional journey. I'm thrilled to sit down with my friend and fellow entrepreneur, Karen Crowell, for a heartfelt conversation we've titled "2024 Reflection Successes." Karen and I share the highs and lows of the year—everything from juggling health and business to celebrating personal wins like launching group coaching programs and exploring new passions. We open up about the obstacles we've faced and the lessons we've learned, hoping to inspire and empower you as you plan for the year ahead. I couldn't be more excited about the opportunities that 2025 holds. It's a fresh start, and we're here to guide you every step of the way with practical strategies, meaningful insights, and the resources you need to thrive. Join us for this episode—it's the perfect chance to pause, reflect, and refuel. Let's make 2025 a year filled with growth, success, and purpose together. Here are three key takeaways to enhance your storytelling in business: The Balancing Act: Their challenges, from navigating illness to finding harmony between home life and business. Health & Productivity: Tips on integrating wellness into your entrepreneurial journey. Financial Wisdom: Strategies for fostering fiscal clarity and reducing stress through profit-first principles. CONTINUE THE CONVERSATION:   Continue the conversation about this podcast episode over on our Community! Enjoy This Podcast? If you enjoyed today's episode of Ambitious Entrepreneur Podcast, then hit subscribe now!  Post a review and share it! If you learned something by tuning into this podcast, do not hesitate to write a review and share it with your friends, so they can find out more about how to generate returns from a Google Ads account.  For more updates and episodes, visit the Ambitious Entrepreneur Show website. You can also subscribe through Apple Podcasts, Google Podcasts, Spotify, Stitcher, Email, RSS, and more!  You can also follow us through Facebook.  Additional Resources: 5 Pillars to Build Visibility, Generate Leads and Enrol Clients with Ease Quiz  Are You Ready to Launch Your Coaching Business Podcast? Take the Quiz  Want to launch your own Thought Leader Podcast? Access my ‘Are You Ready to Launch Your Podcast' Quiz here, and/or book a time to chat. Have any questions? You can contact me through these platforms:  Linkedin  Instagram  Facebook  To staying ambitious,  Annemarie  Learn more about your ad choices. Visit megaphone.fm/adchoices

This week's special edition focuses on the “Ending Illegal Discrimination And Restoring Merit-Based Opportunity” Executive Order, a Presidential Memorandum entitled “America First Trade Policy,” and the latest on Department of Government Efficiency (“DOGE”), and is hosted by Peter Eyre, Rebecca Springer, and Alex Schaefer. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

There are moments in our lives when we our circumstances prompt questions and our confidence is eroded. Given a choice, we would escape. But God can use these moments in our lives to reveal strengths, gifts, and callings that we never asked for or thought possible. Through Shanna's story we'll see how brokenness, suffering, and service have both hindered and propelled her journey of faith as part of our Voices series.

This week's episode covers the FAR final rule to harmonize the procurement and nonprocurement suspension and debarment regulations, rescission of the FAR proposed rule on Pay Equity and Transparency in Federal Contracting, updates to the 1260H List of Chinese military companies, and passage of the FY2025 NDAA, and is hosted by Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without.

6/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by  Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1658 CROWELL

Live from NYC, it's our very first *live* podcast! Direct from the buzzing, beautiful and chestnut-walled Jenny Bird pop-up shop in NoLita, welcome to our fireside chat with Jenny Bird, the creative force, CEO and founder of the eponymous jewelry and lifestyle brand, Jenny Bird, and the founder of clean beauty brand, Saie, Laney Crowell. Listen in as these two powerhouse thought leaders share their secrets to creating aspirational, ageless and sustainable brands, dealing with dupe culture and finding balance as busy moms and super-entrepreneurs in the process.Plus, we discuss: Holiday dressing – the creative new way to update your LBD for a totally fresh spin this yearThe piercing-free way to rock ear cuffs this seasonThe crowd-pleasing gifts topping the tastemakers' shopping lists The top three beauty essentials that Jenny and Laney find make the most difference in their personal beauty routines What the founders are most looking forward to for 2025 A special thanks to Jenny Bird who hosted us at the brand's first-ever retail location, The Shop in New York at 21 Spring Street. The Shop is open until December 22, 2024 so there's still time to come and check it out in person, and of course you can always shop online at jenny-bird.com. And thank you to our audience who turned up in person – it was the best holiday gift ever meeting all of you! Subscribe and watch this episode on our YouTube channel Get social with us and let us know what you think of the episode! Subscribe to our YouTube channel and find us on Instagram, Tiktok, Twitter. Join our private Facebook group. Or give us a call and leave us a voicemail at 1-844-227-0302. Sign up for our newsletter here For any products or links mentioned in this episode, check out our website: https://breakingbeautypodcast.com/episode-recaps/ Related episodes like this: Saie Founder Laney Crowell On What Clean Beauty Means Now, Building Best-In-Class Formulas & Introducing “The Concealer From The Future”Tata Harper Skincare Founder Tata HarperCaudalie Skincare Founder Mathilde ThomasPROMO CODES: When you support our sponsors, you support the creation of Breaking Beauty Podcast! NutrafolNutrafol is the #1 dermatologist-recommended hair growth supplement brand, trusted by over 1 million people. For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code BREAKING. QuinceGift luxury this holiday season without the luxury price tag. Go to Quince.com/beauty for 365-day returns, plus free shipping on your order. *Disclaimer: Unless otherwise stated, all products reviewed are gratis media samples submitted for editorial consideration.* Hosts: Carlene Higgins and Jill Dunn Theme song, used with permission: Cherry Bomb by Saya
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Karen and Robby get to know the legendary, Dorothy Crowell. Dorothy is a 1994 WEG Individual Silver Medalist and is the Inaugural Kentucky 5* winner. Dorothy talks about her famous partner, Molokai who was inducted into the USEA Eventing Hall of Fame in 2015. Today, Dorothy organizes Educational Classical Format 3-Day event for Starter up to Training and discusses the importance of Horsemanship. It was a pleasure getting to know Dorothy and we hope you enjoy!To follow the Educational Classical Format 3-Day:https://www.facebook.com/E3Dayor email Dorothy for more information:teammolokai@gmail.comPlease support our sponsors:https://cowboymagic.com/https://manentailequine.com/https://exhibitorlabs.com/https://www.triplecrownfeed.com/Sign up for our mailing list!https://mailchi.mp/b232b86de7e5/majorleagueeventingllc?fbclid=IwAR2Wp0jijRKGwGU3TtPRN7wMo-UAWBwrUy2nYz3gQXXJRmSJVLIzswvtClECheckout the Major League Eventing store!https://www.majorleagueeventing.com/shop 

Jermain Crowell talks Bryce Underwood with Sam WebbSee omnystudio.com/listener for privacy information.