Podcasts about Delaware

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Read transcriptShow Notes This week we're lacing our podcasting gloves up and jumping back into the arena for a brutal and bruising battle, with the fate of the Earth and the colonies hanging in the balance. Rather than our usual pre-season prologue we've decided to get into the action right away with Mobile Fighter G Gundam Episode 1: Gファイト開始! 地球に落ちたガンダム aka Gundam Fight Begins! The Gundam That Fell to Earth. We've got high kicks, mysterious wanderers, spectacle, speculation, behind the scenes anecdotes, a report on the phantom Gundam project known to the west as "Polca Gundam," and lots more! 11th Gundam Podcast Season... Ready? GO! Full show notes are available on our Patreon. Mobile Suit Breakdown is written, recorded, and produced within Lenapehoking, the ancestral and unceded homeland of the Lenape, or Delaware, people. Before European settlers forced them to move west, the Lenape lived in New York City, New Jersey, and portions of New York State, Pennsylvania, Delaware, and Connecticut. Lenapehoking is still the homeland of the Lenape diaspora, which includes communities living in Oklahoma, Wisconsin, and Ontario. You can learn more about Lenapehoking, the Lenape people, and ongoing efforts to honor the relationship between the land and indigenous peoples by visiting the websites of the Delaware Tribe and the Manhattan-based Lenape Center. Listeners in the Americas and Oceania can learn more about the indigenous people of your area at https://native-land.ca/. We would like to thank The Lenape Center for guiding us in creating this living land acknowledgment. You can subscribe to Mobile Suit Breakdown for free! on fine Podcast services everywhere and on YouTube, visit our website GundamPodcast.com, follow us on Twitter, Instagram, and Facebook, or email your questions, comments, and complaints to gundampodcast@gmail.com. Mobile Suit Breakdown wouldn't exist without the support of our fans and Patrons! You can join our Patreon to support the podcast and enjoy bonus episodes, extra out-takes, behind-the-scenes photos and video, MSB gear, and much more! The intro music is WASP by Misha Dioxin, and the outro is Long Way Home by Spinning Ratio, both licensed under Creative Commons CC BY 4.0 licenses. The recap music is Window by 1000 Handz. All music used in the podcast has been edited to fit the text. Mobile Suit Breakdown provides critical commentary and is protected by the Fair Use clause of the United States Copyright law. Gundam content is copyright and/or trademark of Sunrise Inc., Bandai, Sotsu Agency, or its original creator. Mobile Suit Breakdown is in no way affiliated with or endorsed by Sunrise, Bandai, Sotsu, or any of their subsidiaries, employees, or associates and makes no claim to own Gundam or any of the copyrights or trademarks related to it. Copyrighted content used in Mobile Suit Breakdown is used in accordance with the Fair Use clause of the United States Copyright law. Any queries should be directed to gundampodcast@gmail.com

On this episode of Barely Famous Kail sits down with Dover, Delaware entrepreneur Bobby Jones the owner of Brightside for a raw conversation about what it really looks like to rebuild a life when your starting line is nowhere near everyone else's.Bobby opens up about growing up in poverty, navigating foster care, and how early decisions can shape the way you see yourself for years. We talk about the mindset shifts that helped him break cycles, what redemption actually requires, and why “starting over” doesn't always mean leaving town. If you've ever felt trapped by your past, overwhelmed by where to begin, or like you're carrying a story you didn't choose this one will stick with you.Listen in for a powerful, honest conversation about resilience, accountability, second chances, and building something you're proud of one decision at a time.Follow Bobby here and check out BrightSide For full video episodes head to patreon.com/kaillowryTo shop all merch head to kaillowry.comThanks for supporting the show by checking out the sponsors!Hiya: for 50% off their best selling children's vitamin head to hiyahealth.com/famousDripDrop: Right now, DripDrop is offering podcast listeners 20% off your first order. Go to dripdrop.com and use promo code famous. Talkiatry: Head to Talkiatry.com/famous and complete the short assessment to get matched with an in‑network psychiatrist in just a few minutesProgressive: To get your auto insurance quote head to progressive.comLeesa: Go to Leesa.com for 20% off PLUS get an extra $50 off with promo code BARELY, exclusive for my listeners.Shopify: Start your one dollar a month free trial period at shopify.com/famousSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week on the Mr. Throwback Thursday Podcast,we bring you a Fresh in Peace, Canadian Heroes, another 2Pac book, the Boy Genius goes to Delaware, and we bring you the first single from the upcoming DMC solo album. What else? Let's listen. Fresh in Peace Canadian Heroes Do /  Mine, Mine, Mine   Boiling Point Straight doPE This Thug's Life Kwame in Delaware    New School News    Wu Newsa. The New Wu Review   One and Done – Key-Kool & Rhettmatic Record of the Week –  Muzion – Mentalité Moune Morne… (Ils N’ont Pas Compris) Artist of the Month – Madd Hatta Old to the New – Old to the New – Darryl “DMC” McDaniels (ft. Sebastian Bach, Mick Mars, Duff McKagan, and Travis Barker “She Gets Me High” Bill Reads Lyrics Check us out on social media. Instagram: @mrthrowbackthursday | @bill_mr_tbtThreads: @mrthrowbackthursday | @bill_mr_tbtX (Twitter): @THE_Mr_TBT | @bill_mr_tbt Facebook: Mr. Throwback ThursdayYouTube: @mrtbt

Setting up an IC-DISC the right way can mean the difference between maximizing tax savings and having issues down the road. In this episode of The IC-DISC Show, I sit down with Brian Schwam, IC-DISC specialist and tax attorney, to walk through the complete IC-DISC setup and compliance process from start to finish. This conversation was inspired by a CPA request for a comprehensive guide covering every step of the IC-DISC journey. Brian breaks down the entire process chronologically, from the initial consultation to determine if a business qualifies, through the critical formation steps that can make or break your IC-DISC. We cover proper capitalization requirements, the infamous 90-day election window, why non-interest bearing bank accounts matter, and the draconian 60-day payment rule that catches many businesses off guard. He explains the difference between simple and transaction-by-transaction calculations, sharing an example where detailed analysis increased a client's commission from $4 million to $17 million on $100 million in export sales. Whether you're a CPA learning about IC-DISC for the first time or a business owner considering this strategy, Brian's systematic approach demonstrates why working with a true specialist matters when navigating these complex regulations.     SHOW HIGHLIGHTS A detailed transaction-by-transaction calculation increased one client's IC-DISC commission from $4 million to $17 million on the same $100 million in export sales. Missing the 90-day election filing window requires a private letter ruling costing $35,000-$40,000 to fix, making it cheaper to just set up a new IC-DISC. The 60-day payment rule requires paying at least 50% of your estimated commission in cash or promissory note within 60 days of year-end to avoid disqualification. Setting up an IC-DISC with no par value stock is a fatal error that will cause the IRS to reject your election, regardless of everything else done correctly. A non-interest bearing bank account is essential because even $1.50 of interest income can disqualify your IC-DISC if no commission is paid that year. Export sales typically need to reach $3-5 million before an IC-DISC makes economic sense, though exceptions exist for businesses with exceptionally high profit margins.   Contact Details LinkedIn - Brian Schwam LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Brian. Welcome to the podcast. Brian Hey, good morning David. Good to be here. Dave: So I, I now refer to you as the Bob Hope of the podcast because I believe that Bob Hope holds the record for the most appearances on the Johnny Carson Show. So that's why you're like the Bob Hope of the podcast. You have more appearances than anyone else with today's appearance. Brian That's good company to be in if you're of a certain, if you're of a certain age. Dave: Yeah. And I'm not even sure you and I are quite old enough to even be of that certain age. Brian I probably never saw him on Johnny Carson. Dave: Yeah, me too. So this is an episode that was requested by a CPA of one of our clients who was retiring and he had a new. Partner taken over and he said, Hey Dave, can you send over a link to the episode that just goes through all the details of the IC disc from start to finish? And I'm like, well, we don't have that episode, but it's a great idea. So that's what's behind this. So let's start at the very beginning. Somebody calls you up and says, Hey Brian, I need an IC disc, or I want an IC disc. What's the very first step? Brian Very first step for me is to say why. Dave: Okay, Brian tell me about your business. Dave: Okay. Brian You know, do you have qualified export receipts? Do you have qualified export property? That those are very complex areas. And some people might think they do when they don't, and others might think they don't when they do. Dave: Okay. Brian And more likely than not, they heard about IC disc from. Somebody they met at a, you know, business leader meeting or something and somebody said, oh, hey, I have an IC disc. You should have one. Dave: Okay. Brian And not everybody can utilize one, but there's many out there that can utilize 'em that do not. Dave: Okay. And do you charge anything for that consultation? Brian No, because to me it's just a fact finding. Dave: Okay. So step one, figure out if their fact pattern warrants having an IC disc. Brian Right? Right. Well, it's, it's actually, that's one step. If you deter, if we determine that yes, an IC disc makes sense because they do have qualified export property, they do have qualified export receipts, then we have to talk about volumes. Because, you know, if you have 500,000 of export sales, most like more likely than not. Disc isn't gonna make sense. Dave: Economic sense when Brian you factor Right. Economic, the Dave: costs Brian not right. There's not enough benefit to offset the cost at that, at that level, most likely. Of course. It [depends on what, what it is they're selling. Dave: Sure. Do you have a rule of thumb you typically use? Is it like three or 5 million where it typically makes sense or every case Brian For most, for most businesses, that's sort of the range that where it starts to make sense, but there are always exceptions to that. Dave: Sure. Brian So like I had a client that had, you know, 600,000 of export sales, but their bottom line profit was 80%. Dave: Okay. Brian So in that instance, hey, it made sense, but for most companies that have 600,000 of export sales, it, it probably doesn't make sense. Dave: Okay. So let's say they have 5 million of exports, good margins, looks like it makes economic sense. What's the next step then? Brian Well then we talk about what is the tax structure of that exporting company? Is it a flow through entity? Is it a C Corp? And how is it owned? Sometimes [00:04:00] it's owned by a foreign company that makes things way more complicated. Okay. It's owned by a combination of different shareholders, some of which are individuals, some of which are corporations. So that can be complicated. And sometimes it's just a, it's just a pass through entity that's owned by, you know, let's say it's an S corporation that's owned by a family owned. Dave: Sure. Brian You know, so you, you can have a lot of different fact patterns and that will dictate a lot of things with, with respect. Dave: Okay. Brian To how the disc is organized. Dave: Might that also be the time? You inquire as to whether multiple discs might make sense for their structure, or do you typically just focus on kind of getting the initial disc in place and then exploring that over time? Brian Probably the latter. Dave: Yeah. Brian Initially I, you know, the goal is, you know, do you have enough activity? Do you have the right kind of activity? What kind of benefit is it that you think you can, we can get for you? And then, okay, if the answer to all those are in the positive, then it's like, okay, how should this disc be owned based on what we're trying to achieve and where should it be set up? Because that also can have a lot of negative surprises if you set it up in the wrong place. Dave: Yeah. So let's say and I think there's some rules of thumb like if if the. Exporting company is a C corp, you typically don't want the C Corp to own the disc, is that correct? Brian That is, that is correct. And that's because a C corporation pays tax on a dividend. It receives from the IC dis, so effectively there's no benefit. Dave: Okay. So with a C corp, typically it would be the individuals, individual or [individuals that Brian are Oh, the, the shareholders typically, Dave: yeah. Brian You know, possibly a management group could be involved as well, but typically we're talking about the shareholders of the C corporation. Dave: Yeah. And the shareholders of the disc do not necessarily have to mirror the shareholders of the C corp. Right. Brian That is sort of up in the air. I, I prefer that to be the case, but it doesn't have to be the case. Dave: Yeah, like in a simple example, census C Corp owned by one person and when they set it up, they wanna add a couple key employees to it. Brian Yeah. That, that, that's probably fine. You know, there's some old revenue rulings out there from the early 1980s that have a bad fact pattern, which the IRS held that the structure created gift tax issues, but that was like a mom and a dad and a son and a daughter, and mom and dad set up a disc and then gave the stock to the son and the daughter. And, and so that, that's, I see that's a bad fact pattern. What you described is a completely different fact pattern. There's no donative intent in that fact Dave: pattern. Yeah. Okay. In Brian fact, that I have a client that started out where the disc and the C Corp was. It did have mirror ownership, but over time, that has changed dramatically. But still, there's no donor of intent because we have all these unrelated families that own shares in the company in this quote company. And when there have been redemption opportunities over the years, they have the choice redeemed, the disc shares redeemed. The, the C corp shares redeemed them both. So some of like kept their dis shares, but gotten rid of the C Corp shares and vice versa. But really without the donative intent, plus some court case you know, precedent, I, I'm not [00:08:00] so concerned about that issue. Dave: Okay. Now let's switch gears and let's say it's a flow through an S-Corp partnership et cetera. Do you typically want the individuals to own it in that situation? Say that the company has three shareholders, would you just make them the three owners of the disc? More often than not, no. Okay. And why is that? Brian Because it, you get the same benefit by making the disc a subsidiary of the S corporation without some of the extra complexity associated with having the disc be owned by the shareholders. Now that, that's, that's preferred, but there are also situations where that doesn't make sense. Dave: Okay. Brian So let's say the, the S corporation is in California and the shareholder lives in Texas, or Florida. Or Nevada. Dave: Okay. Brian So they might want that dividend income flowing directly to them so that there's [00:09:00] no state Oh. So that there's no state income tax on the dividend. Dave: Sure, sure. Brian Okay. Okay. Yeah. So again, it's just another fact you need to uncover in the process of trying to figure all this out. Dave: Okay, so you've met with the client, you've figured out a disc makes sense, you've dug further you figured out the ownership structure of the disc. That makes sense. So then I guess you have to figure out where to incorporate, huh? Brian Yeah. And that again, there are good states and bad states. Dave: Okay. Brian Some states will tax an IC dis as a regular C corporation, you wanna avoid those states. Some states don't have an income tax at all, and those are good states to deal with. Dave: Okay. Brian And the three, you know, I'd say there's three states that are predominantly viewed as positive, and that would be Delaware, Texas, and Nevada. Okay. They're all fairly similar. For filing. And, and none of them have a corporate income tax on the dis so that's, that's all good in terms of not adding additional costs to the, the structure. Dave: Okay. So I'm in Texas and thus you, it seems like most of my clients end up incorporating in Texas. Do you just so here we are January 8th. We're recording this of 2026. So do you just do you just get around to doing it anytime before the end of the year and then you could use the disc the whole year? Is that how it works? Brian It's not how it works. It's generally a prospective opportunity. So you wanna get that entity formed as quickly as possible. Dave: Okay. Yeah. I've had people, I've heard [00:11:00] people say that if you don't do it on January 1st, you just have to wait till the next year. Brian No. That, well, that's certainly not true. And from any date forward that you set it up, you can certainly get benefits or shipments. Okay. That they, but one other item that I forgot to mention earlier, they also like to ask if the, if the related supplier entity, which is the exporter, if they're an accrual based company or a cash basis, Dave: ah, Brian that's an, that's an incredibly important issue Dave: Sure. Brian Dealt with. That's why. Dave: Okay. Brian Because the disc is an accrual base taxpayer by default. Dave: Yeah. Okay, we'll get into that when we get further around the, Brian okay. Dave: I think about when I was a kid, there was a, there was a Saturday morning TV series I think called schoolhouse Rock. And one of the episodes was how, how a bill becomes a Law [00:12:00] And there's the whole steps, the Brian episode, everybody remembers. Dave: Yep. Yep. So everybody our age at least. Okay, so you've got the disc set up and say you do it in Texas and let's say they make the decision January 8th, takes a few days to, you know, just kind of get stuff, you know, information from the client set up. And let's say you get it set up January 15th, so then they're good to go, huh? They can just start using that disc and away we go. Anything else? Ha. That has to be done Or is it, is it that some Brian on the, on the surface, yes, that's true. Dave: Okay. Brian But beneath the surface, there's other things that have to take place. Dave: Okay. What's the next thing that has to happen after you've formed the disc? Brian Well, you have a, there's a 90 day window to file a disc collection with the IRS. That's probably the most critical thing that has to happen. You have to file an actual paper form with the IRS to elect disc status for the company, because the company, when you set it up, it's just a corporation. Without that election, it's not a disc. Dave: And that election, is this the famous form 48, 76 dash a, is that said election, Brian famous or infamous in some cases, Dave: yes. Yeah. Okay. So you have to, so you just well, you just go to the IRS website. Download the form, send it in, bing, bam. Boom. You're done. You're good to go. Brian Not exactly. Dave: Okay. That's the Brian first Dave: step. Brian Skip. That's the first step. But the I mean, first of all, when you're setting up the disc, you have to make sure you incorporate it properly. Dave: Okay. Brian I kind of glossed over that. Dave: And what are some of the elements of proper incorporation? Brian Well, for example, when you go to a, the Texas website or any other secretary of State website to organize the company, because it can be done all online, [00:14:00] like the default is always, you know, no par value stock, right. Brian If you just select the default, you are going to have a problem because Okay. Dis rules require, you know, par or stated value of $2,500 on the, issued an issued an outstanding stock of, of the disk. So I had a client that came to me years ago. They had set up a company in, well, they used Wyoming, which is also possible to use, and it's not a bad jurisdiction. And they had, he had his quote unquote friend that who was an attorney, set it up for him. And there were some issues with the DISC collection and it went back and forth and then ultimately took a look at the articles of incorporation and it had, you know, $1 power stock, 1000 shares. Dave: Ah, that's a problem. Brian That's, [00:15:00] yeah. So no matter what happened with the disc election and the back and forth with the IRS, the disc election was ultimately never approved because the entity didn't meet the requirement. Having enough outstanding capital stock. So you have to have one and it can only have one class of shares. So there are, you know, there are some hoops you have to jump through in terms of not doing things incorrectly or doing things correctly. So you have to make sure there's one class of stock, $2,500 par value. There can't be foreign sales corporation in the same patrol group, which years ago was a big deal, but now it's not really a big deal because those have been gone for many years and almost nobody has one left. Not, not really an issue there. And what, you know, those are the formation matters that, that mattered, that are important to make sure you, you meet when you form the entity. Okay? If it's formed wrong, right from the get go, you have a problem. If [00:16:00] it's formed correctly, then the next step is yes, file a disc election. Dave: And, but before you file the disc election, there's a step we're missing, right? Doesn't the DISC election require. To put the corresponding EIN for the distance. Oh yes. I mean, I just assumed we, yeah, you obviously you have to apply for an ID number for the new entity that does not come automatically with the incorporation. Brian 'cause that's done with the state as opposed with the IRS yes. Dave: Yeah. And that's become more challenging. It used to be pretty easy to get an EIN you could apply under a corporate name or Brian yeah. But there, there's a, you know, there is an online portal with the IRS to get an EIN for a domestic company. So it's not, it's not Dave: terrible. Yeah. Brian It's not terrible. Dave: Yeah. So you have the EIN that you need for the 48 76 ae. Brian Right. Dave: You have you have 90 days, Brian you have the proper capitalization. Dave: Yeah. Brian You figured out who's gonna own the disc because the, the disc collection is. Signed, you know, it's not just made by the disc entity. It's made by the disc entity, then consented to by the shareholder. So you have to make sure that all that takes place. I can't tell you the number of times where somebody filled out part one, the disc signed it, and then the shareholder forgot the consent to it. And if you don't do the 48 76 dash eight correctly, you get it filed timely. It's an extremely expensive fix to try and get that Dave: rectified. Brian Generally, you have to try to get a private letter ruling, which will grant an extension of time to file the late disc collection. Dave: Okay. Brian And that's that's an expensive process. It's a 25 to $30,000 exercise to [00:18:00] file the private letter, really. Plus you have to pay a user fee to the IRS of 10,000, 11,000. Dave: Wow. Yeah. It seems that seems inconvenient at, at best. Brian And for most companies, they're better off just setting up a second dose Dave: Sure. Brian As opposed Dave: to process, Brian because how much volume there is. Dave: Yeah. Yeah. And I understand the IRS itself refers to these as a, a paper entity. So I guess since it's a paper entity, that's it. No need to fuss around with a bank account or actually have to capitalize it with actual money is there. Brian It's, it's recommended, but you're right, it's not required. There's no requirement in the disk rules to set up a bank account. Dave: Okay. Brian So there it could simply have. A receivable receiv for the capital stock. And that can be, its working capital doesn't have to have a bank account, but that's sort of a misnomer that people think it must have a bank account. Okay. In the original regulations, that was a requirement, but when the regulations are finalized, the requirement was removed. Dave: Okay. But practically speaking, it you probably wanna have a bank account. Brian Yes. Practically speaking, it makes all the sense in the world to have a bank account, a non-interest bearing bank account. Dave: And why is the non-interest bearing important? Brian Well, it, it has to do with one of the annual requirements of a disc. That 95% of its receipts have to be qualified export assets. I'm sorry, receipts. And so let's say in a year the company decides. You can't always decide not to use the DIS even though you've got it in place. So let's say the company says, well we're not gonna use the, this year we had a loss. In our business there's no using. Dave: Okay. Brian We say, okay, and then the DIS bank account earned a dollar 50 of interest income. Dave: Okay, Brian well 100% of the receipts are now not qualified receipts. Okay. Income and no other revenue. If there was a non-interest bearing bank account, it would just have no receipts and then it would be fine. But the earning, the dollar 50 of interest would disqualify that. Dave: Okay. So non-interest bearing account and then I guess the dollar amount in the bank account, what you start with, $2,500 initially. Brian Yeah, pretty much keep it there forever. Dave: But, but it doesn't matter if you end up, oh, if you're a little lazy and you forget to distribute all the money and you end up with 50 grand at the end of the year, that, that's not a problem, is it? Brian It is. Dave: It is. Everything's a problem Brian with you, Brian, because everything, 'cause the, these rules are draconian and everything can become a problem. So a commission dis anyway, a comm, [00:21:00] you know, a paper entity commission dis doesn't need $50,000 of working capital. And the IRS would hold that, that that's not a qualified export out. Like having too much working capital in DIS will cause it to fail. The other test, which is the 95 qualified export asset test 2,500, you know, an amount of cash equal to the capital stock is fine. Dave: Sure. Brian Amounts above that start to, you know, raise questions as to whether. That's reasonable working capital or not? Given that the entity's a paper entity, it doesn't really have any expenses. Maybe some bank fees. That would be about it. In most cases, it really doesn't need cash sitting. Dave: Yeah. Yeah. So maybe 3000, 3,500 to account for some bank fees or, Brian yeah, at most, yeah, we start getting about 5,000. It really starts to [00:22:00] look questionable. Dave: Okay. Oh, I just realized, I think in the initial assessment there was a step we forgot and that's, do they want to make it a buy sell disc or a commission disc? What percentage of your clients are commission discs? Mine a hundred percent. That's Brian 99%. Dave: Yeah. So we're just stepping ahead assuming that it would be a commission disc, Brian right. I mean, the only time you would really have a buy sell disc. 'cause if you have a business where. They're buying inventory from unrelated parties. And all the inventory is manufactured in the US and all of it is export. Dave: Yeah. Brian Okay. That, that, that I do have, like I said, two clients that have adopted that structure. One was commissioned disc with an S-corp and they converted, they merged the S-corp into the disc and just became an operating disc. You know, and that's a little different than a buy sell disc. I mean, an operating disc. People think of buy, sell dis an operating disc for the same thing. They're really not. I mean, 'cause you could have a, the equivalent of a commission disc, but have it be by sell where it could buy product from its related exporter and then export it. Dave: Okay. Brian It's possible that, that, that tho that fact pattern, I don't have any clients in. Dave: Okay. Brian It's possible. Dave: Okay. So we've got the election filed and then at some point the IRS will send the taxpayer letter approving the election, right? Brian Correct. That is, that was true. Dave: And then so we've got the, the B and usually it makes more sense to have the disc bank account at the same bank as the operating company, right? Brian It typically does, Dave: yes. Yeah. And we'll get into that when we get further into the operation of the disc. Okay. So it's all set up. And elections filed, election approved. So now certainly we're done with incorporation and government governance matters, right? Brian No. No, Dave: not yet. Brian Not yet. Not yet. Okay. We still have to make sure there's a a call, a related supplier agreement or disc commission supplier agreement in place between the, the exporting entity or entities and the disc itself. This document is, it's not, again, it's not required in the regulations, but it is recommended. It gives the related supplier a lot of flexibility in how it uses the disc and if it uses the disc and it gives it unilateral powers to decide not to use the disc. It also lays out the, you know, sort of boil legal boilerplate language about an inter intercompany agreement between the two business. Dave: So you could just go to chat GPT and have them spool up a one page sales agent agreement. Is that right? Brian Maybe. I don't know. I haven't tried that 'cause I don't wanna teach chat GPT how to, how to do that, but because every time you ask it a question, you teach it, right? Dave: Sure. Brian General, no, it's a pretty specific agreement and it has very specific provisions in it. Provisions and so somebody that knows what they're doing really needs to draft them. Dave: Okay. Okay. So this is kind of pointing away from just having your general corporate attorney who's never heard of a disc, do all that quote paperwork. Brian Yeah. I never recommend. I always recommend that a specialist do it, namely myself take care of it. Dave: Okay. Yeah. 'cause you are, in addition to having an accounting background, you're also a tax attorney, correct? Brian Correct. Dave: Correct. Okay. Brian Yeah. And you know, some of the documents that need to be created, yeah. That can be done by a general corporate attorney like bylaws and those as well and or other organizational documents that aren't disc specific can only be done by any attorney. But but if, but really it doesn't make sense to split that work up amongst different attorneys. Dave: Okay. Sure. Brian It all sort of be done by the same party to make sure that it's, that everything gets taken here. Dave: Okay. Brian And timely because there's a 90 day window to get this, in my opinion, to get this all done. Dave: Yeah, to co to coincide with the election filing. Brian Right. Because typically I don't provide any of the documents, including the election, to the, to the client until all these things are done. Dave: Yeah. Oh, I see. Sure, sure. Because then there's, Brian you know, they have to sign the disc election and there's all these other documents they need to sign and put in a minute book. And so rather than piecemeal it, we just give it to them all at once. Dave: Okay. So they've got their binder with all their signed documents or a signed copy of the 48 76 A that was filed a copy of the approval from the IRS. So now finally, are we ready to get started using our disc? Is there. Brian Collection the I. Yeah. As you've probably seen in the news, things are changing at the postal service as far as postmarks and what they can be relied on as when something was considered filed. So they're not promising the postmark things that they, you drop them in the mail anymore. Dave: Oh, really? Okay. I hadn't heard that. Brian Yeah. So it's recommended to go, like, walk it to a counter and have it hands stamped with [00:28:00] a postmark. Yeah. But more importantly, and unfortunately not everybody listens to this, send the form certified mail return receipt requested. 'cause many times document is sent to Kansas City and they lose track. Oh, we never got your dis election. We can't process your dis return, whatever. And then there's proof that it was sent and then they have to, you know, find it basically. Dave: Okay. Or Brian at least accept it, maybe even if they never find. Dave: Yeah. Brian But there's one other thing about the disc and that we didn't talk about and, and I'm reminded of it because something you asked me in passing last week, which is something about the year end of the disc, the year end of the disc must coincide with its principal shareholder. So if I have a C corp that's a fiscal year, but the owners of the disc aren't gonna be [00:29:00] individuals, that disc will be a calendar year disc. Dave: Sure. Brian Not be a fiscal year company. And you know, if. It's owned by, let's say an S corp that has a fiscal year, then the disc will have a fiscal year. It, it must have the same year as its principalship. Dave: Okay. Yeah. Good. Thanks for the reminder of that. Brian And sometimes the disc collection gets filled out incorrectly. Somebody assumes one thing and, and then when a return is filed, the IRS, they're like, they, they dunno what to do. Yeah. Yeah. Okay. Alright. Now finally, do we have a little bouncing baby disc to be delivered to its proud parents? I think so. Dave: Okay. Okay. Okay. Brian And that's usually, it's usually about three to five months after it was formed. Dave: Okay. Brian Is when it started eating solids. Dave: Okay. Alright, so now we've got the disc set up and 9:45 AM I'm, I'm sorry, I keep touching my watch and it says the time, apparently it's time to just take off my watch. Okay. So now, so let's just say that they have not yet set up the bank account. They've done everything else, and now it's time to set up the bank account so they, you know, call their local banker. They get it set up at the same bank, so it can be on the same online banking platform. And then they fund it. And does it matter where the funding comes, comes from for that bank account? Can they just like say the company. I mean, can just anybody fund it? Say there's three shareholders, can just one shareholder write a check for $2,500 to fund it? Or how does that all look? Brian Well, I mean, there, there will be a subscription agreement that shows how much each shareholder owes for their shares, and each shareholder should pay for them. Okay. Can't just be one. Dave: Okay. So we have the bank account set up, we're ready to go. And so now we're at the end of the year, or approaching the end of the year. Let's say we're in November of 2026. Anything we need to do before the end of the year Brian for an accrual based taxpayer? No. Okay. There's nothing paid to do, but before the end of the year. Dave: And what about for a cash basis? Brian For a cash basis, taxpayer, if we want a deduction in 2026. We need to pay the DIS in 2026, so Dave: we Brian would need to gather information in order to estimate a DIS commission for 2026 before the end of the year. Dave: Okay. So cash basis, that's what we need to do by the end of the year. Accrual basis. Basis, no. Do I need to do [00:32:00] anything by the end of the year? Brian You don't need to. You have an option to, if you'd like to, if you wanna have an idea of what the disc commission might be, or you actually wanna pay it before the end of the year, but there's no requirement. Dave: Yeah. And if you don't, and if you don't pay it by the end of the year, you get a deferral benefit Brian possibly. Dave: Yeah so say, say you did a hundred million of exports and your commission was $20 million. You just get to defer that whole thing till the next year, right? Brian No, Dave: no. Brian, all you say is No. Every good idea have you just say No. Brian It could defer 10% of it to the next year because only the income related to 10 million of export sales can be deferred, and it'd be a little less than 10% because the disc wasn't there the whole year. So we'd have to prorate that 10 million for the number of days the disc existed. And then some sliver can be deferred, but the rest of it is gonna be taxed to the shareholders as a deemed dividend Dave: in the current year. In the Brian current. Dave: Okay. Brian Then not taxed when physically distributed in the following. Dave: Okay, so we have an accrual tax payer. We get into the to 2027, and let's say they're extending their corporate return and they're planning to file that in August of 27. So we're done. We don't have anything else to do before August. Right? Brian That's not true either. Dave: Brian, Brian you're Dave: killing me. Brian Yeah, well, it, I mean, it depends. If nothing was done before the end of the year, then something needs to be done within the first 60 days after the accrual base taxpayer. Or, you know, let's say the cash base taxpayer says, I don't [00:34:00] care if I get my deduction next year, so I'm not gonna pay anything this year. Something needs to be paid at this within 60 days of the end of the year. Dave: So is this one of those things like the sales agent agreement, that that's just recommended? Brian No, this is required. Dave: Required. Okay. Brian Yeah. This is required. This is, this is one of the hot buttons the IRS will try to use to disqualify your disc. Dave: Okay. Brian So the disc accrues a receivable at the end of the year, even though it doesn't know the amount at the end of the year for all, for, for disc purposes and books an an accrual for the income at the end of the year. That accrual or the receivable is only a qualified export asset if, if the payment rules around that receivable or satisfy. Dave: Okay. Okay. Brian One Dave: rule Rules. Rules. There's always rules. Brian Yeah. It's very draconian. You have a 60 day rule and a 90 day rule. 60 day rule says you must pay a reasonable estimate of the disc commission to the disc within 60 days of the end of the year in cash or. It could be cash, it could be a note. Dave: And reasonable is just any old amount. You just put your finger in the air and ah, I think a hundred dollars is reasonable. Brian Again, that's not the case. There is a safe harbor for what is reasonable, and that safe harbor is f at least 50% of the final commission amount that you Dave: determine. But how do you know that in February Brian you have, Dave: if you're not preparing the corporate, Brian you have to try to compute an estimate before the end of FE Dave: and you have to nail it exactly at 50%. So if you think the commission's gonna be $1,217,412, you need to pay exactly 50% of that, Brian at least. [00:36:00] Dave: Oh, at least. So you could pay more. At Brian least you could pay more. And we always recommend maybe paying 75 to 80%. Dave: Okay. Brian Because if you pay whatever you pay. That amount is gonna be your limit. So if you thought it was gonna be a million and you paid 500,000 and it turns out to be 1,000,500, too bad. So sad, you only paid 500,000, you're capped at a million. Dave: Okay? I mean, that's the safe harbor. I suppose there might be circumstances where, where one could argue that they maybe the first year of the disc, and you know, they, they, Brian you can argue it, you can try to argue it, but there's no guarantee that the IS will accept any of the arguments. And the private letter rulings that exist from the 1970s would imply that they, they're really not going to accept just about any rationale for being reasonable other than that 50% bright [00:37:00] line safe harbor. Dave: Okay so you make the payment, Brian make that payment, and. Dave: Can you just book a journal entry? Do you, do you actually have to really move the money? It sounds like a hassle. Brian I mean, in, in general you have to, you have to either create a note or move cash. Dave: Okay. Brian Okay. Dave: But that might be a lot of money though. Like what if, what if it's like $2 million and million? The company only has a million dollars in the bank. Brian They could use the same capital multiple times. Dave: Oh, okay. Brian And roundtrip the money as many times as they need to, or like I said, use the, use the promissory note. Dave: Okay. Brian Short term promissory note to satisfy that requirement because it does say cash or property. Dave: Okay. So we get through February, we've made our, our 60 day payment. We've, we've, you know, sh sh we've, we, instead of doing 50%, we did about 80% of what we thought it was gonna be to give us some cushion, and now we can go take a vacation till the till the corporate returns ready. Brian Yeah. I, I, I think so. Dave: Okay. Brian I think so. Dave: Okay. So it's time to now. So it's time. Now, if they extend that corporate return, I guess they're gonna have to extend the disc return as well. Brian Well, the disc return is due September 15th as a matter of course. Dave: Oh, Brian are handy. There are no extensions. So really as far as the disc and its compliance goes, once you make that 60 day payment, there's really not much you can or should do or are able to do until the related entities tax return. Prepared. [00:39:00] So a lot of times they'll say, well, that's not gonna be done till September 15th, and we have to have a discussion about how that doesn't work because the disc return has to be done by September 15th, but in order to do the disc return, you need to basically a completed within it supplier returns. So then we have to work backwards from September 15th to figure out like when's the latest they can have that, that other return done in order Dave: to Brian get the disc return done. Now that's relatively easy in the past through context because all those pass through returns are also due September 15th on extension. Dave: Sure. Brian Whereas a C corporation, it's not so easy because the extended due date for a C corporation, if it's a calendar year is October 15th. So it may be that you have to file a disc return with a made up number on time and then amend it after. Okay. After September 15th. I've done that a number of times. Dave: Okay. So that makes sense. Brian Because as is good as CPAs are, they're deadline driven. So if a return is due October 15th, they're unlikely to have it done by the end of August. Dave: Yeah. Okay. So it's time to file the disc return. I assume the CPA firm probably has that disc return and their standard tax software with all the other forms. So you just have the CPA go ahead and prepare the disc return. I've looked at it, it's a short return. It's like 10 pages long. So you just go ahead and have the CPA prepare the disc return, then bing, bam, boom, you're done. Brian Could do that. Dave: Okay. Is there a drawback to doing that? Brian Yeah, it would probably be wrong. Dave: Okay. Why do you say that? Now, remember [Brian, we have a lot of CPAs who we have very good relationships with that we share clients, you know, saying that they're probably gonna do it wrong. I mean, heck, I don't really wanna annoy all my great CPAs we work with Brian Well, okay, but it, well, it's just a fact. It'll probably okay Dave: be Brian wrong because they might see one or two or three a year. They, they think they know what all the different terms on the district return mean, but they're not as familiar with that as they are with a S Corp return or a partnership return, or 1120. So they do what they think is right, and it may be right, it may not be right. So again, I, in my opinion, you want a specialist preparing the district return. Dave: Okay. Brian Okay. Because we know exactly how it's supposed to be filled out. And then if, if the calculation is done on a transaction by transaction [00:42:00] basis, there's this schedule P that gets attached to the return. Well, if you don't do a T by T, there's one Schedule P. If you do a T by T, there could be thousands of them. So I don't think CPAs and their software are equipped to complete thousands of schedule Ps and attach Dave: Yeah. Brian To the district. Dave: No, good point. And you're, you're getting your your enthusiasm to get to T by t had me, you got a little ahead of me. 'cause I was gonna ask, so client says, Hey, we have a desk. Our accounting department's busy. What's just the bare minimum of information we need to send you? What's the bare minimum? Brian Bare minimum would be qualified export sales. Dave: They just need to send you a number. Brian Yes. Dave: Then you take that number and how hard can it be? Right. Just take the, Brian it's not, it's not necessarily that hard at that point. Dave: Yeah. But say the profit on those sales [00:43:00] is the average profit of the company and taxable profit. And you compute the disc commission, you go through the Schedule P and compute the disc commission and pick the higher of the two numbers that you, that you compute. So you would just be like the final draft, corporate return and that total export number, you know, dollar amount for the year. And, and that's really all you need to, to do. That's Brian the bare bone. That's the bare bones, yeah. Dave: Okay. And that's what some people would call the standard calculation or a simple calculation, Brian I'd call it simple. Yeah. Dave: Okay. And that's also known as the 4% 50% calculation in some circles. Right. How does that work? Brian Well, it's also known as the safe harbor calculation in certain circles as well. Back to that, Dave: back to that safe harbor again. Brian Yeah. But that's actually not a safe harbor, so that's why I bring that up. Dave: Okay, well Brian that's the safe harbor calculation. I'm like, no, it's not. It's just the [00:44:00] calculation. There's nothing safe harbor about Dave: it. Okay. Brian Okay. It's just the rules that are found in the code and regs for computing and disc commission, and they're the two predominant methods. 4% of sales and the 50% of net profit, Dave: you just cherry pick whichever one works better. Brian Yeah, but the 4% method has limitations. So Dave: more limitations probably. Why? Why can't this just be simple? You said it was the simple calculation and now you're already telling me there's inherent complexity. Brian Even if it's simple, it's not totally simple. Dave: Okay. Okay, Brian so the, and I've seen this done wrong. Millions, well, not millions, hundreds of times, and I can say it is hundreds of times. Client computes the 4% method just by choosing 4% of sales. They don't look at what their net income is on the, on the [00:45:00] activity. They just say, oh, I'm allowed to use 4% of sales. The limit there is you cannot create a loss. There's something called the no loss rules. You can't create a loss with a disc commission if one doesn't already exist. So if the profit on, say, on the sales are 2% of sales, you can't take 4% of sales. You're limited to 2% of sales. And if, for example, you have a loss of the company, you're limited to zero. But I've seen situations where that's completely ignored. Dave: Okay? Brian Properly computed this commission of 4% of sales, but it should have been something less or possibly zero. Dave: Okay? So more complexity, but the good news, that's the extent of the complexity. One, schedule P, 4%, 50%, you know, make sure you, you don't create a loss. Now we're, we're all done. Pop. You [00:46:00] know what, what? Dusted and dusted and delivered we're, we're good to go. They've maximized their dis commission, right? And we're all done. They have a nice 10 page return to send to the IRS. Which by the way, can they file that electronically, that return? Brian Fortunately, there are no provisions for electronic filing of the disc return. It must be, Dave: what is this, the 1970s or something? Brian Pretty much Dave: Okay Brian with, with regard to the disc? Yeah. And, and some other forms. Yeah. But the, the, the benefit of that, here, I'll give you a benefit. The benefit of the fact that you must file a paper return is they can have an electronic signature on it. Okay. It doesn't have to have a wet signature. Dave: Okay? Okay. Brian So you could theoretically, for example, send your client the return using DocuSign, have them sign it. You print it, you file it for, Dave: okay. Okay. But, but now we're finally done. It's signed, it's done. And they say, boy, thank you very much, Brian. You've done, your team did a great job, and boy, I really appreciate, you know, we had 10 million of exports. We have all kinds of variability in our profit margins. And, but thank you very much. You, you created the amazing $400,000 or you calculated the 400,000 disc commission. Thank you very much. I couldn't imagine you went above and beyond. I couldn't imagine you could have done anything more. And then what do you say? Do you graciously say, oh, you're welcome. It was our pleasure. Brian I would graciously say, you know, we, we've just computed your minimum disc commission. Dave: Okay, Brian not your maximum. Because you have Dave: vast, lemme guess. Lemme guess. There's more complexity coming. Brian More complexity, which relies on more data being. Pulled from the client's [00:48:00] records to, to allow for a calculation of the DISC commission at a more detailed level, ideally at a line item by invoice level, Dave: line item. That sounds like a lot of work. Brian It can be. Can be a Dave: lot. What if the client says, our accounting department's busy? Sounds like we're gonna have to spend weeks gathering all this data for you. Eh, it's just, we're too busy, it's not worth it. What do you say then? Brian I gu I almost can guarantee you it will be worth it. Okay. Because looking at the detail is likely to cause at Disconnect commission to be anywhere from 50 to three, 400% higher than what it otherwise would've been. Now, unfortunately, in that first year, since you've already filed with a certain number, you're limited to two times what you paid in that 60 day window. But going forward. You know, there's no limit. Dave: Okay. Brian Whatever we compute can be your disc commission. So different industries have different amount of variability and t and transaction by transaction calculations have different impacts depending upon the industry, the profitability of the business, how many products they have, who they sell to. But it can vary. But I'll give you an example of one that we worked on recently where company had a hundred million of export sales. They took 4% of sales, and they've been taking 4% of sales year after year, after year, after year, after year, Dave: okay. Brian They brought us in like three weeks before the district return. Dave: Okay. Brian And we went through the calculations and we actually calculated 17 million Dave: as opposed to 4 million. Brian As opposed to four. Dave: [00:50:00] Yikes. That's a big difference. Brian It's a huge difference. And fortunately they were, you know, well, I mean they were very pleased with the result. And so now on a going forward basis, we're not doing 4% of sales. Dave: Okay? But you still have this. But if they were able to get a $17 million commission, then that means their corporate taxable income must have been at least 17 million. 'cause didn't I hear you say the disc commission cannot cause a loss. Brian It cannot cause a loss at the level at which you're computing the commission. So there's no, you're killing me, Brian. Just more complexity. Yeah. Well, it's very complex area. There's, there's no overall no loss rule. Like if you, you can, as long as you're meeting the rules as they're written, you can cause your entity to go into a loss position. Now, this particular instance, it did not do that, but [00:51:00] you could do that. Dave: Okay. And then if you get into a loss position, there are other non disc complexities that come into play that impact whether you want to maximize the loss in that entity or you want to target a particular loss in that entity. And that's not something that we get involved with, but we're certainly sensitive to it. Sure. Sure. And so you're saying for this client, even though I've heard some people say you've got the simple calc and then the hard calc. And so you'd wonder why would anyone do the hard calc? Well, it's because their commission went from 4 million to 17 million, which saved them hundreds of thousands of dollars. You created hundreds or millions of dollars with additional tax savings. Brian Right, right. Dave: Okay. Brian And by the way, after the first conversation we had with them, they said, oh [00:52:00] yeah, this is not something we can do. The accounting department said, this is not something we can do. Then the owner said, this is something you're gonna, Dave: it's funny how that, how that works. Okay. And then I'm guessing this extra work. You, you're probably gonna have to create another schedule P or two. So now the disc return, it's gonna be 10 pages. It's what? 20 pages? Is that kind of a typical page count? Brian No, it could be Dave: no. Brian Thousands of pages. Dave: Thousands. I mean, Brian, a ream of paper is 500. So thousands would be reams of paper. Brian Yes. I've had some returns that have like 15 binders of paper. Dave: Yikes. Brian Yeah. Just goes in a big box and I'm sure the IRS types, all those schedule Ps into their, Dave: I'm sure they do. Okay. So the return gets filed, so the return's ready. You take that box, you just slap a you print off a postal label online, drop it off at the post office. And you're done, right? You just give it to carrier, Brian understand, Dave: carrier, carrier your house or whatever. Brian Well, you can send it via FedEx. You can send it via UPS. And actually, in some ways, I think that might be better these days than the postal service. Dave: And why do you have to do that? Can you just slap, I mean, if you have your 15 binders, couldn't you just put a hundred stamps, you know, on the, the box and ship it in because they'll get it, right? I mean, it's not like they're gonna lose it or anything. Brian They might, they could very well lose it. And you definitely want proof of delivery and you want proof of mailing. So again, it's a certified mail if you're using the postal service or if you're using a private carrier like FedEx, you know, you get all that documentation about when it was shipped and when it was delivered.[00:54:00] Dave: Okay, well now at least we're finally done. Right? You ship it off. The CPA pulls the numbers from the disc return, puts it on the corporate and shareholder returns. Now we're done. It's gone to the IRS. We never have to think about it again. Right. Brian I'm not sure if that's a trick question or not, but in some ways that could be true, Dave: right? Yeah. But it, but I guess you could get audited, right? Brian Could get audited by an agent who has no idea what they're doing, which is typically the case. Dave: So that's why you want your CPA defending you in that case. 'cause then it's like the blind leading the blind. Brian No, I think it's better if someone with site is involved. So again, the specialist who did the disc work should represent the taxpayer or be involved with the representation of taxpayer in the case of the audit. Dave: Okay. Brian And the should be involved. Because really what's under, what's really in question is the [00:55:00] deduction on that entity's tax return. The dis itself doesn't pay tax. So they rarely audit a dis quote. Dave: Okay? So if I break it down, you to do it really right? You need a specialist to guide you on the initial structure of the disc. You need another specialist to set up the, the disc. You need another specialist to do all the paperwork, make sure the document's correct another specialist to prepare the return, and then another specialist to defend you. So is that about right? So do you need like five different people to make sure everything's done right? Brian? Isn't there some way that you could just have one person that could just do it all for you and be done with it? Brian Well, of course. Dave: Okay. Finally, finally, I get a simple answer, Brian right? So if you, if you engage a disc specialist, that [specialist should be able to do all that. Dave: Okay? Brian Okay. Now, not every disc specialist is created equally. Dave: Sure. Brian You know, I brought up during our conversation that there are some non disc things that can also add complexity to the situation. Not every disc specialist will be sensitive to those things. Not every disc specialist will understand those things. So the benefits that like our organization brings is that. Least myself in particular, I didn't always just do IC disc work. I, I, I have a well-rounded knowledge of all of the, of the tax world. And so I am sensitive to non disc things. You know, for example, you know, another example, oh, a company has a lot of export sales. You would think it's a no brainer. They should have a dis, they should use the dis. They should, they, they should want to convert that ordinary income to qualified dividend [00:57:00] income. Well, what if the S-corp is owned by an ebit? What if there are passive shareholders? All of those things impact whether the disc commission actually helps or hurts their tax situation. And I would get, I would venture a guess that, you know, if you went out and Googled, you know, I see this specialist, you would find a handful. At most that understand all that stuff and how all it all interplays together as opposed to the multitude of those that won't understand any of it. Dave: Okay. Brian So I think a, a disc specialist that is sensitive to all the other tax rules is, is definitely something that is valuable. Dave: And you probably want someone with some experience who's done maybe, you know, what a dozen disc returns in their career, maybe 50 if they're really good. Like how many, how many have we done organization wide? Probably Brian probably 10,000. Dave: 10,000? Well, that's a lot more than 50. Brian Yes. Over the years it's probably close to that number. And we've probably claimed billions of dollars of just deductions and saved clients, hundreds of millions of dollars of tax. And, and I'm proud to say that every dollar we've ever claimed we've. Okay. Dave: So Brian I've never had an adjustment from the IRS. Dave: Well, that sounds like a, a good a good record. So bottom line, Brian that's, that's the best you can come up with a good record. I'd say it's Dave: well, I didn't wanna say a perfect record. I didn't want to jinxy. Brian No, but it's, it's, it's, it's pretty outstanding record. Dave: Yeah. It's a, it's an impressive record Brian because there are also just providers out there that say, well, you know, Dave: it's the Wild West. Brian The wild west, the IRS doesn't really understand it, so let's be as aggressive as possible. And, and that's not the way we approach it. Dave: Yeah. Wow. Well, this has been this has been a lot. So really it's that simple. So the person who wants to just do all this themselves, we've laid out the whole playbook for them. Brian Yeah. The only simple thing they have to do is call us. Dave: There you go. That is it. Yeah. And, and oh, the other thing, not only are you the Bob, hope you now have moved from number two to number one for the most experienced icy disc guy. I know now that Neil Block is retired. Brian Well, that's, I don't know if that's a plus or not. Whether I'll take it just means I've been doing it a long time myself. So Dave: yeah, Neil was, I think my second, first or second guess. And and I was just happy. 'cause his billing rate back then was like $1,500 an hour. I was just glad I didn't get a bill a month later for him being on the podcast. But he, [01:00:00] he did it for exactly 50 years at one firm, baker and McKinsey in Chicago. He had one office, one phone number, like the whole 50 years. Brian Yeah. That's, Dave: that is something you don't see much anymore. Brian Definitely not, no. It's, but it's very, that's. That's very cool. And Neil is a very, you know, is a very intelligent savvy guy. Dave: Yeah, that is for sure. Well, Brian, anything else that we didn't cover that you can think of? Brian I can't think of anything. I think we covered a, a great deal here. Dave: Okay. Brian Can't think. Dave: Well, I, I'll let Brian we omitted. Dave: Well, great. Well, hey, thank you so much for your time. Really appreciate it. And I'll let you get back to your, your exploration of your yard there. Brian Yeah. I feel like, it's funny I shrunk the kids. Dave: I know. Well, hey, well, well again, thanks again, Brian. We all appreciate your time. Brian You're welcome. Have a good day. Dave: You too.

Episode 1883 - brought to you by our incredible sponsors: Brunt - Get $10 Off at BRUNT with code HARDFACTOR at www.bruntworkwear.com/HARDFACTOR Quince -  Refresh your winter wardrobe with Quince. Go to Quince.com/HARDFACTOR for free shipping on your order and 365-day returns.LUCY -  100% pure nicotine. Always tobacco-free. LUCY's the only pouch that gives you long-lasting flavor, whenever you need it. Get 20% off your first order when you buy online with code (HARDFACTOR).  00:00:00 Timestamps 00:04:40 Will's story from China was worth the wait! 00:19:30 Copper thieves stuck in an LA manhole were in a standoff with police  00:29:30 Delaware school bus driver gets caught banging a prostitute on the school bus  00:33:55 Which genre of music do cheaters like the most? 00:36:50 The Doomsday clock moved up four seconds to 85 seconds to midnight wow 00:39:00 The White House says we are getting more tax breaks this year  00:41:10 Someone sprayed a liquid on Rep Omar at a town hall And much more Thank you for listening and supporting the pod! Go to patreon.com/HardFactor to join our community, get access to Discord chat, bonus pods, and much more - but Most importantly: HAGFD!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Interconnection regulations are quietly blocking solar projects across America. Vaughan Woodruff, distributed energy resources consultant and former VP of Regulatory Reform at IREC, reveals why outdated utility rules are stalling clean energy adoption. Discover how Maine became #2 nationally for solar capacity per capita, why Delaware's community solar program failed spectacularly, and which technical solutions could unlock grid capacity without expensive upgrades. This conversation explores the regulatory maze where only 37 states have formal interconnection standards, each different, many decades old. Learn why smart policy matters as much as smart inverters for achieving our renewable energy future.   Topics Covered DER = Distributed Energy Resources Interconnection ESS = Energy Storage System EV = Electric Vehicle Diablo Canyon Inverter Heatspring Utility Grid ISO = Independent System Operator SREC = Solar Renewable Energy Certificate Renewable Energy Certificates Market EquinoxDG www.linkedin.com/company/equinoxdg IREC = Interstate Renewable Energy Council CCA = Community Choice Aggregiation Paul Finn Balcony Solar Interconnection Agreement Guerilla Solar Home Power Magazine Podcast with Alfred Ignacio (AI) Apple Podcast YouTube Spotify Pandora Podbean   Podcast with Khanti Munro Apple Podcast YouTube Spotify Pandora Podbean  Podcast with Paul Fenn Part 1 YouTube Podbean  Podcast with Paul Fenn Part 2 YouTube Podbean   Reach out to Vaughan Woodruff here: LinkedIn: https://www.linkedin.com/in/vaughan-woodruff-9a7a0821/  EquinoxDG: www.linkedin.com/company/equinoxdg   Learn more at www.solarSEAN.com and be sure to get NABCEP certified by taking Sean's classes at www.heatspring.com/sean www.solarsean.com/pvip www.solarsean.com/esip

Today on Coast To Coast Hoops Greg recaps Tuesday's college basketball results, talks to Ben Wilson of VSIN the WCC, WAC, & Big Ten landscape, & how some of the biggest surprise teams of the season might still be undervalued, & Greg picks & analyzes every Wednesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:58-Recap of Tuesday's Results16:31-Interview with Ben Wilson32:21-Start of picks Baylor vs Cincinnati 35:05-Picks & analysis for California vs Florida St37:16-Picks & analysis for USC vs Iowa39:53-Picks & analysis for Butler vs St. John's42:13-Picks & analysis for Mississippi St vs LSU44:54-Picks & analysis for Northern Iowa vs Southern illinois48:20-Picks & analysis for St. Bonaventure vs Duquesne51:03-Picks & analysis for Western Kentucky vs Kennesaw St54:09-Picks & analysis for Oakland vs Fort Wayne56:46-Picks & analysis for Davidson vs George Mason59:43-Picks & analysis for Charlotte vs Temple1:02:20-Picks & analysis for Rice vs East Carolina1:04:58-Picks & analysis for La Salle vs Fordham1:07:35-Picks & analysis for Jacksonville St vs Florida International1:10:23-Picks & analysis for Texas vs Auburn1:12:47-Picks & analysis for IU Indy vs Robert Morris1:15:11-Picks & analysis for Xavier vs Seton Hall1:18:10-Picks & analysis for Evansville vs Drake1:20:49-Picks & analysis for Old Dominion vs Arkansas St1:23:15-Picks & analysis for Denver vs Kansas City1:25:42-Picks & analysis for Belmont vs Valparaiso1:28:17-Picks & analysis for South Dakota St vs Omaha1:30:42-Picks & analysis for Marshall vs Texas St1:33:35-Picks & analysis for North Texas vs Tulsa1:36:35-Picks & analysis for Sam Houston vs Missouri St1:38:59-Picks & analysis for UAB vs UT San Antonio1:41:26-Picks & analysis for DePaul vs Georgetown1:43:59-Picks & analysis for Louisiana Tech vs UTEP1:46:23-Picks & analysis for Stanford vs Miami1:49:06-Picks & analysis for Minnesota vs Wisconsin1:51:38-Picks & analysis for San Diego vs Pepperdine1:53:52-Picks & analysis for Illinois St vs Murray St1:56:40-Picks & analysis for Wyoming vs Utah St1:59:03-Picks & analysis for Florida vs South Carolina2:01:55-Picks & analysis for South Florida vs Tulane2:04:09-Picks & analysis for Houston vs TCU2:06:14-Picks & analysis for Delaware vs New Mexico St2:08:44-Picks & analysis for Seattle vs Washington St2:11:25-Picks & analysis for Portland vs Pacific2:14:02-Picks & analysis for Oregon St vs Loyola Marymount2:16:24-Picks & analysis for Colorado St vs San Diego St2:19:04-Picks & analysis for San Francisco vs Santa Clara2:21:38-Picks & analysis for UCLA vs Oregon2:24:37-Picks & analysis for Tennessee vs Georgia2:27:22-Start of extra games Lehigh vs Army2:29:55-Picks & analysis for Austin Peay vs Eastern Kentucky2:32:01-Picks & analysis for Central Arkansas vs Queens NC2:34:23-Picks & analysis for Navy vs Boston U2:36:36-Picks & analysis for American vs Loyola MD2:36:54-Picks & analysis for West Georgia vs Bellarine2:41:30-Picks & analysis for Holy Cross vs Colgate2:43:43-Picks & analysis for Arkansas Pine Bluff vs Grambling2:45:55-Picks & analysis for Mississippi Valley St vs Southern2:47:57-Picks & analysis for Bucknell vs Lafayette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Catholic Forum, Joe Owens, editor and general manager of The Dialog, interviews Bob Krebs, retired director of communications for the Diocese of Wilmington and host/producer of Catholic Forum for 25 years. Bob looks back at his career in Catholic media serving the people of Delaware and Maryland's Eastern Shore. In addition to listening to Catholic Forum in its entirety on Apple, Spotify, iHeartRadio or Amazon Music podcasts and every Saturday afternoon at 1:30 on Relevant Radio 640, you can also watch video interviews on the Catholic Diocese of Wilmington YouTube Channel. Just search Diocese of Wilmington on YouTube. Catholic Forum is a production of the Office of Communications of the Diocese of Wilmington. Please like, share and subscribe.

One of the biggest risks people face when trying to understand the economy, investing, or personal finance isn't a lack of information. It's the illusion of being informed—while quietly limiting the sources that shape your thinking. We live in a world where information is everywhere. Podcasts, X threads, YouTube clips, newsletters, reels. But abundance doesn't equal diversity. In fact, the algorithms behind social media are designed to do the opposite: they show you more of what you already agree with. Over time, your worldview narrows—not because you chose it to, but because it was curated for you. I noticed this years ago when I started listening to alternative asset podcasts. At first, it felt refreshing—new ideas, new language, new opportunities outside the mainstream. But after a while, something became obvious. Many of these shows were operating inside an echo chamber. Different hosts. Same conclusions. Same narratives. Same villains. Same heroes. It was as if they were all listening to one another and simply regurgitating the same ideas, reinforcing them in a closed loop until they felt like truth. And to be fair—knowing many of these hosts personally—that's often the business model. Audience reinforcement is rewarded. Dissent is not. Ever since then, I've made a conscious effort to study people I don't naturally agree with. Not because I want to adopt their views—but because I want to stress-test my own. This matters more now than ever because social media accelerates groupthink at scale. When an idea gains traction online, disagreement quickly becomes social friction. It's easier to conform, retweet, and nod along than to pause and ask, “What if this is wrong?” I once had a conversation with Robert Kiyosaki where he told me he actually gets worried when everyone in the room agrees about the economy. When viewpoints converge too neatly, it's usually a sign that critical thinking has been replaced by consensus comfort—and that's exactly where blindsides are born. If your goal is to get closer to the truth, you must seek out opinions that challenge your own. That includes people you disagree with—especially people you disagree with. Truth doesn't emerge from unanimity. It emerges from tension. And that applies to me as well. Daon't let me—or anyone else—be your sole source of information. No matter how much you trust someone, outsourcing your thinking is always a risk. I can tell you from personal experience that in economics and personal finance, narrow perspectives lead to surprises you only recognize in hindsight. Those are the moments people regret most—not because they lacked intelligence, but because they lacked perspective. Financial education is critical. But a real curriculum doesn't just confirm what you already believe. It exposes you to competing frameworks, conflicting data, and uncomfortable questions—and forces you to think for yourself. That's how you build conviction that actually holds up when the world changes. This week's episode of Wealth Formula Podcast examines this groupthink problem on a broader scale throughout society with an author who wrote a bestseller on our inherent appetite for misinformation. It's a fascinating conversation that will surely get you thinking about the way you view the world. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You can imagine people who are conflict avoidant, probably not so likely to post online, as opposed to people who are conflict approaching who love a fight, right? If that’s, if those are the folks who are more likely to post, that’s gonna shape our information space in really, really important ways. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast. Coming to you from Montecito, California today. Uh, wanna remind you before we begin, there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna get more involved with, uh, the show, with the community, uh, specifically, um, if you are interested. There is a sign up there for something called investor club, which if you aren’t a credit investor, you sign up basically, uh, you, uh, get onboarded and then you can see potential deal flow that’s not available to the public. And, uh, lots of things going on in there. Real estate, we’ve had stuff in the aircraft spaced, um, interesting stuff. You should check it out for sure. If you are, uh, enter credit investor. And again, that is wealthformula.com. Just click on investor Club. Now today, let’s talk a little bit of, you know, just let’s talk a little bit about one of the biggest risks that people face when trying to understand the economy of investing personal finance. It’s not lack of information, right? These days, there’s an enormous amount of information. It’s just the illusion of being informed while quietly limiting the sources that shape your thinking in the first place. So we live in this world. I live in this world too, where information is everywhere. You got podcasts, you got X, you got YouTube newsletters, reels, random emails. Abundance of information doesn’t really equal diversity. In fact, the algorithms behind social media are designed to do the opposite. They just show you more of what you already agree with, and that is a little bit of a problem because over time your worldview really starts to narrow. And not because you chose to narrow it necessarily, but because it was curated for you. You know, I noticed this myself, uh, several years ago when I started listening to podcasts like my own. Even before I started my podcast. And what happens is that you get, initially you get kind of interested ’cause the stuff resonates with you. You get some ideas, you get new language, new opportunities outside the mainstream. But after a while you start to realize, or I start to realize that, you know, these shows were sort of operating inside of an echo chamber. They’re saying the same thing, different house, same conclusions, same narratives, villain. Same heroes, you know, it was as, again, it was as if they were all listening to one another and, and simply regurgitating the same ideas and reinforcing them, uh, in a, in a closed loop. Um, and when you do that, it starts to feel like truth. And to be fair, knowing many of these hosts personally, that is kind of the business model. You know, audience reinforcement is rewarded, descent is not so ever since then. You know, I’ve actually made a conscious effort to study people. I don’t, uh, naturally agree with. I actually don’t listen to any other personal finance podcasts, uh, that are sort of in this alternative space because I already know kind of what our narratives are. I wanna know what others think. I wanna, uh, I, it’s not necessarily that I’m looking to adopt their views, but because I wanna kind of, you know, challenge my own and this matters more now than ever. Again, because of social media. How that accelerates group think at scale. You know, when an idea gains traction online, um, you know, disagreement quickly becomes social friction. Now I think the thing to do is, you know, always be questioning yourself and asking the question really, what if I’m wrong? What if this narrative is wrong? And it reminds me actually once, uh, you know, I’ve had a chance to spend a little time with Robert Kiyosaki. Period, uh, different, different times, and I still. Kind of consider him a mentor. And I remember being at a table with him, a bunch of people talking about, you know, where the, where the economy was, what’s going on. And he looked at me and he says, this is what gets me nervous. I said, what, what gets you nervous? And he says, everyone here, everyone here, even people who normally disagree with one another, are agreeing with each other. Uh, the point is that when some of these, you know, viewpoints converge too neatly. Uh, it’s usually a sign, uh, that, you know, that critical thinking has kind of been replaced, and that’s exactly where you start to get blindside and where, you know, there’s a danger there that there’s something that no one’s, no one else has really even mentioning anymore. So if your goal is to get closer to the truth, you actually have to seek out opinions that challenge your own, and that includes. People you disagree with, especially people you disagree with. Because you know, truth doesn’t really emerge from unanimous thought. It emerges from sort of that tension and challenging, and that applies to me as well. You know, if I’m the only personal finance podcast you listen to, you probably shouldn’t be because I have, you know, made my own conclusions based on what I’m thinking and what I’m listening to. I try to get people. Um, you know, from different spaces talking about stuff, but the reality is that, you know, everyone’s biased. I’m biased too. So, um, you know, I can tell you from personal experience, uh, that in economics and in personal finance, the problem is that when you have these narrow perspectives, um, they often lead to. To prizes. Uh, you can’t, you know, they only recognize in hindsight, and those, uh, those are the moments that most people, I think, regret more than anything. Not because they lacked intelligence necessarily, but they lacked perspective, right? Listen, financial education is critical and we, we know that that’s the point of doing the show in the first place, but, you know, any real curriculum is, isn’t there, just to confirm what you already believe. I, I, if you, it should expose some competing frameworks. And, you know, different questions or different takes on things and, and that’s how you know, if you listen to those and you listen to those arguments, that’s how you can really build conviction that you can stand behind. And even if you’re wrong, you say, yeah, you know, I heard the other argument too. I didn’t buy it, but I guess I was wrong. Believe me, I’ve been wrong, uh, more than once myself. So the reason I bring that all up is because this week’s, uh, episode of Wealth Formula podcast really examines. Greater than just the idea of, you know, personal finance and macro economics and that type of thinking, but a greater problem, which is group think in general on a broader scale throughout society. And my, uh, my guest is a, a woman who wrote a best seller on this topic. It’s fascinating stuff. I think it’ll get you think. Make sure to listen in and we’ll have that interview right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Uh, today my guest on Wealth Formula podcast is Professor Dana Young, who’s a professor of communication and political science at the University of Delaware, where her research explores how media psychology and identity shape belief systems she’s the author of Wrong, how media politics and Identity drive our appetite for misinformation and examines why people clinging to false narratives, and how understanding identity can improve persuasion. Our work helps decode the emotional and cognitive forces behind how we process risk, truth, and decision making. Welcome, professor Young. Great. Thanks so much for having me. Thanks for that intro. Someone has done their homework. I like that. Well, I try to, uh, well, let’s start with this. You know, one of the central arguments, uh, that you have is that people often believe things, not because they’re true, but because those beliefs serve as an identity function. Interesting concept, which I can kind of see in, uh, when you watch TV these days, can you, can you talk a little bit about that? Sure. And, and realize this is not happening at a conscious level. This isn’t something that we are thinking about. We’re not thinking, I wanna believe things that are untrue, but make me feel like I’m a part of my team. It doesn’t work that way. It is the, the truth, value of the things that we perceive is contingent on how those beliefs serve our team. Mm-hmm. So if there are things that our team believes. Those are the things that sort of historically, based on evolutionary psychology, those are the belief systems that would’ve made us probably really good members of our, of our tribe. Mm-hmm. That would’ve, um, if we had embraced those beliefs that would have. Give an indication to the shared members of our team that we are a good team member and therefore they should protect us. They should protect me, I will protect them. There’s a reciprocity there. So that belief sharing with our teammates is something that historically has served us well. And when it comes to survival, we really prioritize our social motivations above all else, because that is such a huge predictor of what allows us to survive and thrive. Is being a part of a community. And so, yeah. So the empirical validity of those claims is a little bit beside the point. The obvious, uh, the, the things that I think about there, I guess the, the sort of analogy there is like, you know, being a a, like I’m a big football fan, right? So I’ve been a big fan of the Minnesota Vikings for my entire life, although I’ve not lived there in from, you know, three quarters of my life. I grew up as a kid and that was my team. People come in, right? People go out. They’re people who, you know, were never there at the beginning, but I still root for them. Yeah. Yeah. And I still believe in them. And so, yeah, it, it reminds me of the sort of a, uh, you know, this tribal thing you’re talking about. The other place you see it, uh, is, is in politics. Uh, you know, when I, when I think about like, the way the parties have changed without getting political at all here. The, the, there’s some very, very significant changes that have happened in the ideologies, uh, or maybe not in the ideologies, but in the actuality of these parties and what they believe. They’ve changed so much in the last 30 or 40 years, yet the same people believed, uh, or identify as those party members. Is that kind of what you’re getting at? Yes, and, and because I’m a political scientist and political communication scholar, a lot of my interest in this area was born out of my concerns about our political, the political moment that we’re in, and how we really lack. A shared reality that’s necessary for democratic governance. Um, we, and we are seeing that literally there are dozens of examples every single day of different perceptions of reality across the left and the right. And so, so that was sort of why I tried to understand this, um, in the first place. But the. What you can glean from these theoretical dynamics, um, extend far beyond politics, right? To, as you were saying, and everything from economics to health, to the environment. Um, but because the shift that I think has been most impactful in this area regarding political identity is that in the United States, the. How the parties, what the parties are made up of, who the parties are made up of has changed dramatically over the last half century. And so rather than being these sort of loose coalitions of interest groups that would kind of come together and perhaps share a platform on specific policies, the way that the parties have shifted, especially sort of after the Civil Rights Movement made it that. Individuals began to identify with political parties based on like fundamental characteristics of who they are. Things like race, religion, geography, and, and fundamental aspects of culture. And so you have two political parties that actually look very different from one another in their racial and ethnic and religious and geographic sort of composition that is not good for democracy. Because we actually do not want our political parties to map onto such primal aspects of identity. ’cause it creates sectarianism and opens the door for dehumanization and violence, all kinds of bad stuff. But it also really tends to fuel some of these identity-based processes that we’re talking about because when you look around and everyone on your, in your political party. Lives like you do. They look like you do they worship like you do? They have the same hobbies as you. They drive the same kind of car. You know, those kinds of things. Like there’s a lot of that overlap that really makes your political identity take on a life of its own, and that life is increasingly. Um, unrelated to policy and more about kind of culture and aesthetics. So all of these caricatures that we think about of the left and the right, the, there’s. Stereotypes for a reason. They exist for a reason and they are so exaggerated through as a result of this political party shift over time. And, um, uh, as I talk about in the book, these differences are also exploited by our media environment. It’s really good for targeting and target marketing to have these kinds of divisions, uh, not great for democracy. Um, but they, these identities become further exacerbated. The more media we consume that tends to play into these identities. Yeah. It, it’s interesting to me, I think sometimes when you, when you think about what people believe mm-hmm. And then, you know, and then. Identifying those beliefs with like a, a political party or something like that. It’s interesting to think of the actual identification of the party coming first. Yeah. And then the beliefs following. Based on the identification. So that’s almost like religion, right? Exactly. Exactly. Right. And that’s a lot of the, the metaphors that we’ve been drawing from in political science. A lot of political scientists have been writing about this, really drawing upon the sociology of religiosity and how it operates because it, it, you’ll notice there’s another similarity too, that people will. Have this large identity as like a Catholic, right? Like I was raised Catholic. It’s, it’s part of who I am. Now. Do I believe everything that they say at church? No, but my identity as a Catholic is still very big. I, I, I will let it drive certain things, but I’m gonna write off other things as like. Not as important as my overarching identity. In the same way that we will find people who have a Democrat or Republican identity, and they live like a Democrat. They live like a Republican. However, when it comes to their actual policy positions. They don’t necessarily agree with their party platform. And that actually is where I get a little more optimistic because even though these caricatures seem so distinct when you drill down to actual policy positions, Americans have a lot in common. Those divides are not as giant as we think they are. I’m curious in terms of understanding the United States versus other countries, um, we, we seem to have a certain polarity which. It’s relatively new. I would say that, you know, even compared to, um, being a kid in, in the eighties, um, feeling like, you know, there was these two parties, but they seemed to get along pretty well. Mm-hmm. And for the most part, they were both kind of near the center. Yeah. And, um, but there’s this, there’s a much bigger division now. Um. What, I guess what drives the, the changes and when you look at different countries, like if you can compare and contrast like Sure. Are there certain specific variables Yes. That about our culture that that makes us who we are. Yes. Yeah. So that first question, um, I, I think that what’s really important is that when you think about how our political parties used to operate, um, in the aftermath of the Civil War, the two parties. We’re kind of in agreement when it came to racial issues in a way that was not good for African Americans in this country. Once the great migration happened and you had blacks from, from former slave states moving north and west, there was real pressure on leaders in those cities to advance or civil rights. Platforms, civil rights legislation, and to advance the rights of African Americans. That really put pressure on the parties in such a way that then it was the Democratic Party who became the party of championing civil rights. Then there was a response from the Republican party that was framed in terms, right, in terms of. State’s rights. That really drove the sorting of different kinds of people into the parties. It’s also fascinating to look at how religiosity and religion. Play a role here because during this very moment under the Nixon administration, there were efforts to revoke the tax exempt status of certain Christian schools that were sort of defacto segregated schools that were in violation of the policy at the time, which was to integrate those, the school system well. Those Christian parents were very unhappy with this, you know, revoking their tax exempt status. And there was a man named Paul Wyrick who came in and said, you know what, this is a moment to really bring together these two issues regarding race and religion. And he mobilized and created a grassroots movement out of this effort to sort of like protect our schools. And that actually became the conservative group, the Heritage Foundation. So that, that bringing together sort of the, the project of evangelical Christianity with this sort of move in opposition to integration that has a long history in our country. To your second piece though, about why the United States is, is. Special. Um, one, we have our, our history of slavery is not fundamentally unique, right? There are many countries that also practice slavery. I think the role that slavery already p played in the founding of our nation was important to keep in mind in terms of how the, the issue of race played into these shifts across political parties. And two, probably the biggest thing of all is that we have a. Two party system in countries that are dealing with some of these same pressures related to race and ethnicity, immigration, right? Where you see some of this polarization happening on ideology and a lot of those places they have multi-party systems. Which play a real amazing role at buffering some of these dynamics. So it’s not black or white, yes or no left, left or right. Uh, so we are uniquely positioned to have a hell of a time with polarization. When I, um, uh, I, you already sort of referenced, um, media. Mm-hmm. Um, you know, like when you think about polarization or you think about like. Re um, sort of constantly, um, emphasizing the things that you already suggest that you believe, uh, social media in particular is, I mean, is just pounding away at that, right? Yeah. I mean, sure. I just think about like my own feed, the things that I Yeah. You know, respond to or the things that I, you know, show affirmative, uh, reactions to the next thing. You know, like on x, you know, on Twitter, which I’ve been in. You know, doing more of, that’s all I get. Right? Sure. And it’s interesting because the next thing you know, you feel like. Everybody agrees with you. Sure, sure. And you’re like, oh, this is, this is amazing. I’m so Right. Right. No one has, right. No one believes the opposite of me. Right. Yeah. And it feels amazing. What role is that playing? Uh, I guess in, in your view? Social media dynamics are, are really fascinating because let’s, let’s realize, talk for a second about why it is that a lot of the content that we’re exposed to on social media is so divisive and identity evoking. Um. The reason that that happens is because the algorithms really just want us to be more and more engaged, obviously, because the only way that they’re able to, to micro target us with ads, et cetera, is by making use of the data points, the breadcrumbs that we have left behind. The only time that we leave those data points that we leave those breadcrumbs is when we do things. So if we’re just lurkers, we are not serving them at all. If we’re just hanging out looking at stuff, if we are actively liking or doing an angry thing, or writing or sharing, that’s what they need. So the algorithm is going to prioritize the content that is sort of outrage inducing, especially because negative emotions are exceptionally sticky. And there’s been some amazing work by um, uh, Jay Van Beil and his team who studied the sort of virality of different kinds of content online. And they found that the kind of content that is especially suited to virality is content that is both moral. Emotional that makes claims about what ought to be and what ought not to be, but is also like really emotionally and effectively evocative. And the kinds of content that tends to check those boxes is the content that is identity activated. Us versus them. They are doing this awful thing to us. Our way of life is under threat. Um, they are the bad guys. We are the good guys. So that’s how that happens, right? So that’s the kind of content that tends to be privileged across these platforms. That’s a piece of the puzzle. Another piece of the puzzle is that the kinds of people who tend to produce the most content online. Are weird, uh, as someone who posts online, uh, I, I just offended myself, but that’s fine. Um, the people who post a lot online tend to be more ideologically extreme. They also tend to have certain kinds of personality traits that maybe aren’t great is some of my work is looking at the, the trait of conflict orientation. You can imagine people who are conflict avoidant. Probably not so likely to post online as opposed to people who are conflict approaching who love a fight, right? If that’s, if those are the folks who are more likely to post, that’s gonna shape our information space in really, really important ways. Well then you get responses that are much more aggressive too, right? Like sure. In either direction. Sure. Something that’s kind of lukewarm. No one really cares to respond to it. Right. That’s exactly right. And then, and then those, those particular posts are rewarded by the media companies themselves because they’re getting all sorts of attention rising the top and those influencers who getting paid for that. So yeah, I mean, that’s the thing that really, that’s where I, I, I get to the point sometimes with this work where I, I’ve, I do feel a bit demoralized because I don’t necessarily see. Where there are really empowered agents to who can work within the system, we have to try to dismantle the incentive structure. So you know, if there are entrepreneurs out there who can think about ways to incentivize different kinds of content, I applaud that kind of development there. There are some, of course, who, who do the sort of, um. Positivity posts, you know, posts for good and viral videos about people help helping other people, and there is some indication that those also, they’re people love those. Those do go viral, but they don’t have the immediacy of the outrage, I guess, that when you think about, you know. The implications of this is really just, you know, I guess polarization, maybe some misinformation. Even misinformation is difficult because Sure. You don’t even actually know what is real information anymore. You don’t have like, sure. You know, when I was a, again, going back to being a kid in the eighties, it’s like you had one set of. Set of facts, you know? That’s right. But now that’s, there’s lots of different sets of facts, and in reality it’s hard to know what’s real. You just, you know, you just, you, you believe something and the next thing you know, something comes out and it, boy, that wasn’t real at all. Um, yeah. And, and let’s just, I’ll pause you for a second because, you know, as someone who studies misinformation, I, I have been through quite a journey with how I’ve thought about digital technologies, right? Yeah. Whereas. When I first started in this field 20, 25 years ago, I really lamented the fact that there were these voices on high at the news organizations who got to gatekeeper. They were the ones who decided what was true and what was not. And because of the way that they produced the news, that tended to reinforce certain kinds of official narratives. You know, there were times when conspiracies were exposed later on, when we learned that Wow. They did not tell us the truth, right? So early on I thought, oh wow, digital technologies are gonna be revolutionary, citizen journalists and iPhones. Mm-hmm. And in 2011, we saw the Arab Spring and we watched all these, these, you know, dictatorships. Topple. And then we saw the real tide shift with misinformation, with and disinformation deliberate efforts to exploit those. The lack of gatekeepers to exploit the, the lack of professional, quote unquote truth tellers, and really just make hay of our information space. And now sometimes it’s amazing, right? Because sometimes. The official account is not true, and other times the official account not only is true, but belief in the official account is necessary for us to sort of make progress as a society, right? So. The trouble is we don’t know which time is which. Well, well that, that’s, that’s what I was gonna say. I mean, I, I used to actually kind of in my own rein, have this narrative that, you know, certain sources were true and certain not, but even, yeah. You know, even after, you know, things that happened during COVID, for example. Yeah. Um, um, you know, the Wuhan Laboratories and, and things like that, that, you know, everybody looked at as a. A conspiracy theory and all this stuff, right? A tinfoil hat theory, a tinfoil hat, and you brought it up and you were crazy and everybody, you know, and, and the next thing you know, that’s the truth. That’s what happened. Yeah. So it, I think you’d even take people, um, it, it makes people who, uh, believe in the system, not believe in the system anymore. And, and I think that’s kind of where a lot of people are headed. That’s where the huge danger is. Yeah. And, and I think one area of research that is so. That is empowering and is hopeful. I have a, a doctoral student who is doing her dissertation on this. It’s a, it’s a concept called intellectual humility, which is just the extent to which we acknowledge that our beliefs and our perceptions of the world could be wrong. And what happens is when you operate in an intellectually humble way when you have beliefs, but you also are open to the fact that new information could come in at any moment, that could tell you that the things that you thought were true are not true. When you live that way, you tend to. Be closer to empirical truth than the people who are intellectually arrogant because the people who are intellectually arrogant, they’re so sure they’re right and they’re never looking to update their views. Yeah. You know, curiously on that too, like what, what does a research show about like highly educated or quote unquote intelligent people? Are they just as vulnerable? Are they more vulnerable? Because of this. And you know, in some ways I would think they’re almost more vulnerable. Yeah. And, and I think that it depends. So when we look at individual level factors and how they interact with susceptibility to MIS and disinformation, all of these different, so there’ll be psychological traits that interact with education level, that interact with what kinds of things you then are exposed to. So it is complicated. It’s complicated. So it tends to be the case that people who are. Perhaps more educated are more likely to seek out information from more like legacy journalistic sources. Yeah, yeah. Right. Yeah. Right. So, and on average, those sources tend to have more things that are empirically true than if you’re just sort of like looking on the internet for whatever you can find. Um, in fact, there’s also some research that shows that the people who report, um, quote unquote doing their own research. They are statistically more likely to believe misinformation, which actually makes sense because when you think you’re doing your own research, you’re actually doing what we call selecting on the dependent variable, which is you are looking for the information that confirms what you think is true. That is just what we tend to do. Unless you’re doing a controlled experiment. Yeah. You’re not actually looking for information that contradicts your beliefs. So, you know, we do this, this is, uh, a lot of times, um, you know, we talk about, uh, personal finance and mm-hmm. And macroeconomics and stuff. How does this translate over to like, beliefs about. Economy, the, you know, ’cause these are, these are important things that, again, there is incredibly different, uh, views on. Sure. You know, um, an example now, uh, an example is that everyone, you know, whether, whatever you believe the pol policy or not, that, that, that, that tariffs were going to drive inflation, a hundred percent inflation was gonna skyrocket. The last CPI number comes under like under three right? 2.7%. Yeah. Like what, what, tell me how this all applies to that kind of news, that information. Yeah, so, so I, I’m going to make a, a couple points that I think will, will get to your question. Yeah. Because, you know, a, a lot of what I have landed on is this role of social identity, right? In shaping belief systems and. One thing that I’m sure you’re familiar with is that when the party in the White House switches overnight from Democrat to Republican, people’s perception of how the economy is doing as a function of political party flips over. So when the White House went from Biden to Trump in January, 2025, overnight, Republicans went from thinking the economy was in the trash to thinking the economy was doing excellent, and Democrats did the opposite. So is that an actual empirical observation of the world, or is that an expression of their. Perception that their team is in charge. Therefore, things must be better. Or now my team is no longer in charge, so now things must be worse. Right. That’s the big one. We see that. You know, I’m. Every election back to who, however long this has been tracked, we see this. Um, another thing that I think is interesting is in terms of people’s perceptions of whether or not the economy is good or bad, that is very much shaped by who we’re talking to and what information we’re exposed to. So this, this in invites a whole host of questions about how should elites talk about. Economic health, right? You had under Biden, Biden trying to tell people, the economy is doing really well, the economy is doing great. Look at all these metrics. The economy is doing great. And so you have Democrats saying, oh yeah, the economy is doing well, and Republicans saying, I am looking at how much things cost. I am looking at, you know, various things in my bank account. I’m gonna say the economy is not doing well. I also think that Biden is not a great president, so I tend to think that things aren’t going well when the other party’s in charge. And then you look now under Trump. Trump is in a bit of a pickle, right? Because he is saying the economy is doing well. He’s saying, look at these metrics, look at these numbers, and you have this sort of. Viral perception among people that we are in a stagnant economy. I even heard my 15-year-old, we were at Costco and we got, you know, their pizza slices are like $2. We got pizza slices and she said, well. You can get a whole dinner for $8 in this economy, Rick. I was like, what? Economy? But, but those perceptions are so, and it, it’s also very, very difficult to figure out where did that perception come from? Yeah, yeah. How do we isolate the source of that perception that this economy is, is not good. Yeah. Well then certainly like behaviors follow, right. And yeah. So I guess, yeah. I guess that’s like, I mean, I’m sure that’s a completely different thing. Like, I mean, how do, how do these, you know, different perceptions. Party based perceptions Sure. Ultimately influence the economy because of the way people think of the economy. Exactly. Right. And how, how do mm-hmm. When it comes to what have tariffs done, right? Mm-hmm. Like I’m not an economist. I do not know what tariffs have done. My understanding from my media exposure is that there are, on some certain kinds of items, prices have gone up a bit, but that some of the other. Like at the grocery store, for example, some of the price increases that we see there are not the result of tariffs. So then what are they the result of when it comes to how we attribute responsibility and blame, that is also very much shaped by our social identity. So if it helps me to think my grapes are expensive because of Donald Trump, then that’s what I’m going to think. Give us your sort of final thought here. Mm-hmm. Just in terms of, you know, what’s, what’s the learning. Here and how can we apply this to our own thinking? So, so I, I like to leave things on, on a kind of positive note because there is a lot to be concerned about in such a fractured information space. Um. One of the things that has been bringing me some, some hope that I think we could carry with us into how we think about what it is that people yearn for, what it is that people want. Even in this, this very splintered environment, I am convinced that even though all of our technology is creating atomized spaces for us to become our most exaggerated version of our self. I think what we really crave as human beings are shared experiences, opportunities for us to share experiences together, whether that be media content that we then want to talk about, whether those be events. There is a reason why football is still such a successful, um. Kind of entertainment. Right? And there’s also a reason why when there are cultural stories that allow us to all talk about them, like the couple at the cold play concert that was outed or whatever, there are reasons why those moments just catch fire. And I think it is because despite the fact that our technology platforms are trying to give us. Atomized, individualized, discreet spaces. At the end of the day, we really do want to share things with one another. Good stuff. Uh, professor Young, uh, uh, Dana Young, it, the book again is Wrong. How Media, politics and Identity Drive Our Appetite for Misinformation. Thank you so much for being on Wealth Formula Podcast. Great. Thanks so much. It was fun. We’ll be right back. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. Again, just make sure that you are getting multiple sources of information. Whether that comes to, you know, this show really is about personal finance and macroeconomics and only politics and all that is not what I’m into, but the point is. That, uh, when it comes to, uh, when it comes to anything including personal finance and microeconomics, make sure you have multiple sources of information. Listen to the arguments and, uh, you know, make a decision that you can live with, whether you’re right or wrong. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey signing up. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Could it be that Judah's tragedy was not just their rebellion, but the complete absence of anyone crying out while there was still time? What if we are repeating history by remaining silent during an extended season of grace?--------------America Pray Now publishes a magazine on prayer that is free of charge and can be delivered directly to your home. You can sign up for this magazine on our website at americapraynow.comIn addition to our weekly podcast, we meet in 17 different cities every month to pray in person. Most of our in-person prayer meetings are in Virginia, and we also have meetings in Maryland, West Virginia, Delaware, North Carolina and South Carolina. See our website for times and dates at americapraynow.comEnjoy the Podcast? Let us know! Email us at podcast@americapraynow.com

Vanity plates might be 2KUL4U, but in the Blue Hen State, low-digit plates command high-digit prices. Zachary Crockett sums up a big market in a small state. This episode was originally published on June 2nd, 2023. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you've been diagnosed with ADHD, or you suspect you might have it, listen in on this episode of the Awaken Your Wise Woman podcast as host Elizabeth Cush and Dr. Jennifer Dall talk about unmasking neurodivergence and managing it holistically.Are you often forgetful? Do you pile lots on your plate, but have a tough time following through with all of it? Do you have a hard time getting organized? Do you beat yourself up about all of it or do you put your nose to the grindstone and work twice as diligently to be who you think you're supposed to be? If any of that sounds familiar, go easy on yourself. In this episode of Awaken Your Wise Woman, host Elizabeth “Biz” Cush, LCPC, a licensed professional therapist, founder of Progression Counseling in Maryland and Delaware, and a soul guide for highly sensitive women, welcomes Jennifer Dall, EdD, a grief-informed neurodivergence specialist and founder of ADHD Holistically, for a discussion of women and ADHD (attention deficient hyperactivity disorder). They'll talk about myths and misconceptions, diagnosing ADHD later in life, management strategies and more. “A lot of people think ADHD is the 8-year-old boy who is impulsive and hyperactive and not the good girl who is focusing and smart and working really, really hard.”  — Jennifer DallFind all full show notes and resources for every episode here.Support the showI hope you enjoyed the show! You can also follow me here: Instagram YouTube Facebook

Most of the United States is frozen. A Florida man could go to prison for 5 years after throwing a ketchup packet. A Delaware man had intercourse with a s3x worker on a school bus. Connery was blindsided by this story. Man accused of stuffing brisket, wine down pants at Florida supermarket. Cowboy DeHuff knows BBQ, and said that it has a special name. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This recording comes from the Vidya Lila workshop at Liberty Yoga in Delaware. I was accompanied by Niranjana and Bhal Chandra and together we wove a tapestry of insights, experiences, and intentions with the community. Thank you to everyone who attended. I hope everybody listening to this recording enjoys the gift.

The Dean's List with Host Dean Bowen – As America marks 250 years of independence, the story of Caesar Rodney's midnight ride reveals how liberty often turns on quiet courage. Delaware's divided vote, fierce debate, and hard persuasion remind us that freedom is chosen, not inevitable. Teaching these moments forms judgment, virtue, and citizens willing to defend liberty when it matters most...

Show Notes It's a short episode this week as Nina wraps up her research on the history of motocross, bringing us forward to the Xtreme sports era of the 1990s, offering our theory on why it took Japan so long to produce an internationally competitive motocross rider, and considering the connotations Duker Iq's biker lifestyle would have carried for a 90s audience. And next week... the 13th Gundam Fight is about to begin! Please listen to it! Show notes are available at gundampodcast.com/patreon Mobile Suit Breakdown is written, recorded, and produced within Lenapehoking, the ancestral and unceded homeland of the Lenape, or Delaware, people. Before European settlers forced them to move west, the Lenape lived in New York City, New Jersey, and portions of New York State, Pennsylvania, Delaware, and Connecticut. Lenapehoking is still the homeland of the Lenape diaspora, which includes communities living in Oklahoma, Wisconsin, and Ontario. You can learn more about Lenapehoking, the Lenape people, and ongoing efforts to honor the relationship between the land and indigenous peoples by visiting the websites of the Delaware Tribe and the Manhattan-based Lenape Center. Listeners in the Americas and Oceania can learn more about the indigenous people of your area at https://native-land.ca/. We would like to thank The Lenape Center for guiding us in creating this living land acknowledgment. You can subscribe to Mobile Suit Breakdown for free! on fine Podcast services everywhere and on YouTube, visit our website GundamPodcast.com, follow us on Twitter, Instagram, and Facebook, or email your questions, comments, and complaints to gundampodcast@gmail.com. Mobile Suit Breakdown wouldn't exist without the support of our fans and Patrons! You can join our Patreon to support the podcast and enjoy bonus episodes, extra out-takes, behind-the-scenes photos and video, MSB gear, and much more! The intro music is WASP by Misha Dioxin, and the outro is Long Way Home by Spinning Ratio, both licensed under Creative Commons CC BY 4.0 licenses. All music used in the podcast has been edited to fit the text. Mobile Suit Breakdown provides critical commentary and is protected by the Fair Use clause of the United States Copyright law. Gundam content is copyright and/or trademark of Sunrise Inc., Bandai, Sotsu Agency, or its original creator. Mobile Suit Breakdown is in no way affiliated with or endorsed by Sunrise, Bandai, Sotsu, or any of their subsidiaries, employees, or associates and makes no claim to own Gundam or any of the copyrights or trademarks related to it. Copyrighted content used in Mobile Suit Breakdown is used in accordance with the Fair Use clause of the United States Copyright law. Any queries should be directed to gundampodcast@gmail.comRead transcript

Today on Coast To Coast Hoops it is a straight forward podcast, there's just under 140 college basketball games on the betting board for Saturday & Greg picks & analyzes EVERY one of them!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 4:06-Start of picks NC State vs Pittsburgh 6:04-Picks & analysis for Nebraska vs Minnesota 8:16-Picks & analysis for Ole Miss vs Kentucky 10:06-Picks & analysis for Clemson vs Georgia Tech12:34-Picks & analysis for Maryland vs Michigan St15:13-Picks & analysis for Niagara vs Sacred Heart 17:33-Picks & analysis for Georgetown vs Providence 20:00-Picks & analysis for Villanova vs Connecticut22:24-Picks & analysis for Mercer vs Wofford25:16-Picks & analysis for Drake vs Indiana St27:34-Picks & analysis for Southern Miss vs Coastal Carolina 30:17-Picks & analysis for Georgia vs Texas33:00-Picks & analysis for Quinnipiac vs Marist35:12-Picks & analysis for Hofstra vs William & Mary37:54-Picks & analysis for Florida International vs New Mexico St40:36-Picks & analysis for West Virginia vs Arizona43:06-Picks & analysis for Northern Carolina vs Virginia 45:29-Picks & analysis for Northeastern vs Drexel 47:47-Picks & analysis for St. Thomas vs South Dakota 50:18-Picks & analysis for UW Milwaukee vs Youngstown St52:55-Picks & analysis for Oklahoma vs Missouri 55:33-Picks & analysis for UW Green Bay vs Robert Morris 58:06-Picks & analysis for Duquesne vs Loyola Chicago1;00:17-Picks & analysis for Towson vs North Carolina A&T1:02:43-Picks & analysis for Brown vs Princeton 1:04:44-Picks & analysis for Arkansas St vs Georgia St1:07:07-Picks & analysis for Northern Illinois vs Ball St1:09:40-Picks & analysis for Yale vs Pennsylvania 1:11:56-Picks & analysis for Columbia vs Dartmouth1:14:06-Picks & analysis for Temple vs UT San Antonio1:16:55-Picks & analysis for George Mason vs Rhode Island 1:19:44-Picks & analysis for Cornell vs Harvard1:22:20-Picks & analysis for Miami vs Syracuse 1:24:46-Picks & analysis for St. John's vs Xavier1:27:10-Picks & analysis for  UNC Wilmington vs Hampton1:30:02-Picks & analysis for Illinois vs Purdue1:32:27-Picks & analysis for St. Peter's vs Merrimack 1:34:39-Picks & analysis for Central Florida vs Colorado1:37:09-Picks & analysis for Richmond vs George Washington 1:39:21-Picks & analysis for Troy vs Georgia Southern1:41:48-Picks & analysis for Oakland vs Detroit 1:44:26-Picks & analysis for Kent St vs Eastern Michigan 1:46:32-Picks & analysis for Western Kentucky vs Sam Houston1:49:12-Picks & analysis for Eastern Illinois vs Morehead St1:51:47-Picks & analysis for VMI vs Western Carolina 1:54:19-Picks & analysis for South Carolina vs Texas A&M 1:56:48-Picks & analysis for Virginia Tech vs Louisville 1:59:12-Picks & analysis for Memphis vs Wichita St2:01:32-Picks & analysis for San Diego St vs UNLV2:04:09-Picks & analysis for Auburn vs Florida 2:07:10-Picks & analysis for North Dakota vs Denver 2:10:11-Picks & analysis for Florida St vs SMU2:12:49-Picks & analysis for Monmouth vs Campbell2:15:25-Picks & analysis for Iowa St vs Oklahoma St2:18:02-Picks & analysis for Missouri St vs UTEP2:20:12-Picks & analysis for San Jose St vs Wyoming 2:22:29-Picks & analysis for Murray St vs Northern Iowa2:25:20-Picks & analysis for Elon vs Charleston2:27:52-Picks & analysis for Texas St vs James Madison 2:30:20-Picks & analysis for Air Force vs Boise St2:33:06-Picks & analysis for Tennessee St vs Lindenwood2:36:12-Picks & analysis for Bowling Green vs Toledo2:38:44-Picks & analysis for Rider vs Mount St. Mary's2:40:05-Picks & analysis for Portland St vs Idaho2:43:46-Picks & analysis for VCU vs Davidson2:46:12-Picks & analysis for UC Riverside vs UC Davis2:48:51-Picks & analysis for Tennessee Tech vs SIU Edwardsville 2:51:21-Picks & analysis for Seton Hall vs DePaul2:54:03-Picks & analysis for Sacramento St vs Eastern Washington 2:57:09-Picks & analysis for Utah vs BYU3::00:00-Picks & analysis for Wake Forest vs Duke3:02:23-Picks & analysis for Northwestern vs UCLA3:05:03-Picks & analysis for TCU vs Baylor3:08:07-Picks & analysis for Central Michigan vs Western Michigan 3:10:23-Picks & analysis for Dayton vs St. Joseph's 3:12:54-Picks & analysis for Pepperdine vs Washington St3:15:37-Picks & analysis for Idaho St vs Montana3:18:17-Picks & analysis for Delaware vs Liberty 3:20:43-Picks & analysis for Vanderbilt vs Mississippi St3:23:12-Picks & analysis for Boston College vs Notre Dame 3:25:27-Picks & analysis for Houston vs Texas Tech 3:27:54-Picks & analysis for Manhattan vs Iona3:30:13-Picks & analysis for Northern Kentucky vs Wright St 3:32:42-Picks & analysis for Seattle vs Pacific3:35:06-Picks & analysis for CS Fullerton vs Cal Poly3:37:49-Picks & analysis for Canisius vs Fairfield 3:40:10-Picks & analysis for UC Santa Barbara vs Long Beach St3:42:33-Picks & analysis for Grand Canyon vs Fresno St3:44:31-Picks & analysis for Kansas vs Kansas St3:46:45-Picks & analysis for Utah Valley vs Cal Baptist3:49:25-Picks & analysis for North Dakota St vs Oral Roberts 3:51:33-Picks & analysis for Chattanooga vs Samford3:53:24-Picks & analysis for San Francisco vs Gonzaga 3:55:54-Picks & analysis for California vs Stanford 3:58:25-Picks & analysis for Weber St vs Montana St4:00:23-Picks & analysis for Omaha vs Kansas City 4:02:20-Picks & analysis for Illinois Chicago vs Bradley4:04:35-Picks & analysis for Nevada vs New Mexico4:06:42-Picks & analysis for St. Mary's vs Portland4:08:52-Picks & analysis for Northern Colorado vs Northern Arizona 4:11:02-Picks & analysis for Tennessee vs Alabama4:13:07-Picks & analysis for LSU vs Arkansas 4:15:00-Picks & analysis for Southern Utah vs Utah Tech4:17:12-Picks & analysis for Santa Clara vs San Diego 4:19:15-Picks & analysis for UC Irvine vs UC San Diego 4:21:14-Picks & analysis for Cincinnati vs Arizona 4:23:12-Picks & analysis for CS Northridge vs Hawaii4:25:26-Start of extra games UMass Lowell vs UMBC4:27:37-Picks & analysis for Vermont vs Bryant4:29:31-Picks & analysis for Army vs Navy4:31:17-Picks & analysis for American vs Holy Cross4:33:16-Picks & analysis for Bellarmine vs North Florida 4:35:04-Picks & analysis for Albany vs New Hampshire 4:37:35-Picks & analysis for Boston U vs Colgate4:39:55-Picks & analysis for Binghamton vs Maine4:42:04-Picks & analysis for Eastern Kentucky vs Jacksonville 4:44:21-Picks & analysis for Alabama A&M vs Texas Southern 4:46:23-Picks & analysis for Jackson St vs Bethune Cookman 4:48:30-Picks & analysis for Winthrop vs Presbyterian 4:50:27-Picks & analysis for Nicholls vs SE Louisiana 4:52:20-Picks & analysis for Coppin St vs Norfolk St4:54:27-Picks & analysis for UT Rio Grande Valley vs Houston Christian 4:56:48-Picks & analysis for Queens NC vs West Georgia 4:59:06-Picks & analysis for New Orleans vs McNeese 5:01:17-Picks & analysis for Texas A&M CC vs Incarnate Word5:03:12-Picks & analysis for Bucknell vs Loyola MD 5:05:20-Picks & analysis for Mississippi Valley St vs Grambling 5:07:27-Picks & analysis for Alabama St vs Prairie View5:09:35-Picks & analysis for Morgan St vs Howard5:13:13-Picks & analysis for Alcorn St vs Florida A&M5:15:24-Picks & analysis for Arkansas Pine Bluff vs Southern5:17:08-Picks & analysis for Lafayette vs Lehigh5:19:04-Picks & analysis for Stephen F Austin vs Lamar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week the fellas sit down with good friend John Pancake now out of Delaware. John talks his biggest Buck, a memorable Turkey hunt, a Velvet buck in the early season, and the importance and memories made while at Hunt camp! We hope you all enjoy the episode and thank you all for tuning in!!

This week on Barely Famous, Kail sits down with someone who's been part of her kids' world for years, coach, mentor, former college standout, and NFL athlete - Jamal MerrellWhat starts as a conversation about youth sports quickly turns into something much deeper.From growing up in Delaware and navigating family loss, to chasing big dreams at Rutgers and getting the call from the NFL, Jamal opens up about the highs, the setbacks, and the reality behind what life as an athlete really looks like. They talk about scholarships, pressure, parenting young athletes, mental health, and the difference between chasing success and actually feeling fulfilled.It's honest, grounded, and full of perspective especially for parents trying to figure out how to support their kids without losing what matters most.Whether you're raising athletes or just figuring out your own next chapter, this one hits different.For full video episodes head to patreon.com/kaillowryTo shop all merch head to kaillowry.comThanks for supporting the show by checking out the sponsors!Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to RocketMoney.com/FAMOUS today.Boll And Branch: Now's your chance to change the way you sleep with Boll and Branch. Get 15% off, plus free shipping on your first set of sheets at bollandbranch.com/barelyfamousOPositiv: Take proactive care of your health at opositiv.com/famous for 25% off your first purchaseProgressive: To get your auto insurance quote head to progressive.comFind your new home at apartments.com Wildgrain: Right now, Wildgrain is offering our listeners $30 off your first box PLUS free Croissants for life - when you go to Wildgrain.com/FAMOUS to start your subscription today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this video, I break down why Joint Venture (JV) deals are one of my favorite strategies in real estate and how they create true win-win situations.   I explain: -What a JV deal is -Why out-of-state, local, and new investors can benefit -How JV deals can actually make you more money -Real examples from deals I've done   If you have a deal in Seattle, the Hudson Valley, or Delaware, I'm either a direct buyer or open to JV'ing if the numbers make sense.   Contact me:

Momentum matters in outdoor policy, and this week's roundup captures how quickly access, conservation, and sporting rights can shift. The conversation opens with live congressional action around the EXPLORE Act, one of the most comprehensive outdoor recreation laws in decades. With implementation now underway, hunters and recreational shooters get a clearer look at how federal land agencies may be required to expand safe, accessible target shooting opportunities and improve public land access across Forest Service and BLM districts. The discussion then turns to state-level efforts that directly affect how hunting and fishing traditions are protected long term. Delaware and New Hampshire race toward becoming the 25th state to enshrine the right to hunt and fish in their constitutions, a move designed to safeguard conservation funding models and outdoor heritage for future generations. Listeners also hear about new Interior Department directives aimed at removing barriers for hunters and anglers on federal lands and waters. Freshwater fishing takes center stage with renewed debate over Florida's Rodman Reservoir, a destination largemouth bass fishery with national implications for fisheries management and angler access. The roundup closes with practical policy issues that hit close to home, including meat processor tax credits that support game meat donation programs and unique wildlife management challenges in Hawaii's diverse ecosystem. For hunters, anglers, and outdoorsmen who want to understand how legislation translates into real-world access and opportunity, this is essential listening. Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter   Follow The Sportsmen's Voice wherever you get your podcasts: https://podfollow.com/1705085498  Learn more about your ad choices. Visit megaphone.fm/adchoices

In his rambling mess of a speech at Davos, Trump confused Iceland and Greenland, and demonstrated that he doesn't understand how NATO works. The infamous draft-dodger also seemed to call Truman and Eisenhower "stupid" for not just taking Greenland after WWII. Nevertheless, his threat to somehow get the island is undermining our international rules-based order. Plus, the secret, imperfect alliance in Congress that is blocking anti-trans legislation, the growing Dem opposition to the DHS funding bill, and the need to fight the trust deficit in the country —and the anger-tainment that is driving it.Delaware's Rep. Sarah McBride joins Tim Miller.show notes Sam's, JVL's and Andrew's reaction to the Davos speech McBride's column in Delaware's News Journal Get 20% off when you go to trustandwill.com/BULWARK

TikTok is facing a lawsuit in Delaware over the so-called choking challenge or blackout challenge, with six families alleging the platform played a role in their children’s deaths. Florida Man is facing a digital voyeurism charge after police say he secretly filmed under a girl’s dress in church. Drew Nelson reports.See omnystudio.com/listener for privacy information.

The story of the United States of America cannot be told without Pennsylvania. Independence Hall. The Declaration of Independence. Philadelphia. The Liberty Bell. Benjamin Franklin. George Washington's Crossing of the Delaware. The Battle of Brandywine. And Valley Forge. Pennsylvania is called the Keystone State because it refers to the central stone in an arch that holds all other stones in place, symbolizing strength and stability. Pennsylvania was the hub of political and economic activity during the colonial period and played a pivotal role in American history. Pennsylvania – it's people, its industries, its thinkers, it's revolutionaries, its influence, it's morals and its resources – serve as the bedrock of these United States. And throughout this year, we are going to be celebrating our place in history as part of the 250th Anniversary of the United States. The semiquincentennial – as it's known – will be celebrated in the original 13 colonies as well as throughout the entire country. But, you know, we're here to talk about Pennsylvania. While so much of our colonial history took place in and around Philadelphia, America 250 PA will be highlighting the incredible contributions of all of Pennsylvania's 67 counties. From Lancasters farmers to Pittsburgh's factory workers. From the fisherman in Erie to the coal miners of Lehigh Valley. I'm a history lover, I don't hide this fact. Give me a book or documentary series about the American Revolution or Civil War and I'm a happy camper. But you don't have to be a history buff to care about this year's historic celebrations.This upcoming celebration serves as a once-in-a-lifetime opportunity to learn about the founding of this amazing Commonwealth and country. There's going to be concerts, fireworks, educational programs, lecture series, family events, volunteer opportunities and so much more. On this episode, I speak with Matt Darragh. Matt is the Chief of Staff for America250PA.Be sure to support our 2025 sponsors:Keystone Trails AssociationPurple Lizard MapsPennsylvania Parks and Forests FoundationSisters' SunflowersDiscover Clarion CountyGo Laurel Highlands Support the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

In this video, I break down how real estate investors use a 1031 exchange to trade up properties and grow their portfolio without triggering capital gains taxes. I walk through when a 1031 exchange makes sense, how it works in real life, and common mistakes investors make when trying to upgrade properties. If you're selling a rental, thinking about scaling, or want to understand how investors recycle equity into bigger deals, this breakdown will help you decide if a 1031 exchange is the right move.  

As we gear up to launch another season of incredible guest interviews we're revisiting a few of our most beloved episodes, starting with the fabulous Doug Tallamy.Over the course of his career, Doug has become a leading voice helping people understand why native plants matter and how simple and accessible it can be to support biodiversity right in your backyard. In this conversation, we talk about the power of keystone species, the remarkable progress he's made restoring native plants on his own Pennsylvania property, and the nonprofit he founded to inspire private landowners to be part of this growing movement.Dr. Tallamy has an incredible gift for breaking down big, complex environmental challenges into ideas that feel approachable rather than overwhelming, offering practical, common-sense ways to make a real and meaningful impact.Doug Tallamy  is the T.A. Baker Professor of Agriculture in the Department of Entomology and Wildlife Ecology at the University of Delaware, and the author of more than 100 publications, including Bringing Nature Home, The Living Landscape, Nature's Best Hope, and his most recent book, The Nature of Oaks.Biophilic Solutions is available wherever you get podcasts. Please listen, follow, and give us a five-star review. Follow us on Instagram and LinkedIn and learn more on our website. #NatureHasTheAnswers

In Today's Podcast, America Pray Now Director, Hanna Alway, tells of a prophetic dream that confirms the urgent need to continue praying for Virginia and the United States, revealing that saving the nation will require more than just prayer; it will require deep intercession. --------------America Pray Now publishes a magazine on prayer that is free of charge and can be delivered directly to your home. You can sign up for this magazine on our website at americapraynow.comIn addition to our weekly podcast, we meet in 17 different cities every month to pray in person. Most of our in-person prayer meetings are in Virginia, and we also have meetings in Maryland, West Virginia, Delaware, North Carolina and South Carolina. See our website for times and dates at americapraynow.comEnjoy the Podcast? Let us know! Email us at podcast@americapraynow.com

This week on Tales from the Attitude Era, former WWF writer Tommy Blacha and co-host Rob Pasbani head to St. Louis to recap the June 12, 2000, episode of RAW is WAR! This show is remembered for a legendary (and unintentional) high-stakes moment involving the Chairman himself.We break down the chaotic Tables Match where a 54-year-old Vince McMahon took a frightening spill off the shoulders of Bubba Ray Dudley, falling from the top rope all the way to the arena floor. Tommy Blacha shares what it was like backstage watching the boss take such a dangerous bump and how the performers reacted in the moment.We also dive into the beginning of one of the Attitude Era's most entertaining dynamics: the subtle, quirky chemistry between Kurt Angle and Stephanie McMahon. From their accidental hallway bumps to that infamous celebratory hug, we discuss how this storyline sparked one of the biggest pushes in the company.Other highlights include:- Linda McMahon returns as CEO to school the faction, forcing The Rock, Undertaker, and Kane into an uneasy alliance.- Triple H wins a grueling title defense against Chris Jericho.- The McMahon-Helmsley faction's psychological warfare as they unmask Kane in a dark locker room.- Lita debuting her iconic Team Xtreme look while chasing Stephanie McMahon for the WWF Women's Championship.- Crash Holly finally reclaiming the Hardcore Championship from Gerald Brisco.Don't forget to LIKE, SUBSCRIBE, and hit the notification bell!0:00 - Intro1:40 - St. Louis: A pay-per-view quality town9:11 - The Rock, Triple H, and the "three-foot nose" promo10:45 - Linda McMahon returns as the "Mom of the WWF"14:10 - The "Attractive Janet Reno" line and the Delaware lawsuit21:30 - Off-season booking and the road to SummerSlam25:40 - Dean Malenko and the Godfather's ladies28:20 - Stephanie McMahon vs. Lita (WWF Women's Championship)31:40 - Kurt Angle & Stephanie McMahon's subtle chemistry begins34:10 - The serendipity of the Kurt/Stephanie hug35:45 - The McMahon-Helmsley faction unmasks Kane40:50 - Too Cool vs. T&A / Rikishi saves the day42:50 - Match: Bubba & D-Von vs. Shane & Vince McMahon (Tables Match)48:20 - Undertaker steals a sedan to chase Bull Buchanan50:15 - Crash Holly vs. Gerald Brisco (Hardcore Championship)51:40 - Triple H vs. Chris Jericho (WWF Championship)58:40 - Kane vs. The Rock1:05:20 - Final Thoughts: The freefall of WCW and Goldberg's heel turn1:15:20 - OutroFollow Tales from The Attitude Era on all social mediahttp://youtube.com/@TFTAttitudeEra http://twitter.com/TFTAttitudeErahttp://instagram.com/TFTAttitudeErahttp://tiktok.com/@TFTAttitudeEra Hosted on Acast. See acast.com/privacy for more information.

Send us a textIn this episode of Characters From Corporate, the mic opens for an honest conversation about fear, ambition, and the invisible barriers people put on themselves.The episode explores what it really takes to transition into corporate life without traditional credentials, why fear keeps capable people stuck, and how access, internships, and creative pathways can open doors when titles and degrees do not. It also raises a bigger question about the changing value of college, technology, and who actually belongs in corporate spaces.A listener from Wilmington, Delaware writes in anonymously. He is a Black man in his early thirties working on an assembly line at a manufacturing plant. No college degree, but a deep desire to be in corporate spaces. Boardrooms. Deal making. Strategy. He knows he has more to offer, but admits he has stayed where he is out of fear. Fear of not being qualified. Fear of not being chosen. Fear of pushing his way into rooms he feels were not designed for him. Productive LeadersOur expert fractional executive services provide the leadership and guidance you need to scale.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showGAIN ACCESS TO THE CONVERSATIONS WE CAN'T HAVE ON THE MAIN FEED Have a voice in the show so episodes reflect the real questions, struggles, and wins you care about. Build real financial confidence with a full course that helps you make smarter money moves, not just collect random tips. Get the full story behind every guest so you can learn from what they did right, what they hid, and what they regret. Understand how each episode was born so you can see the thought process, lessons, and strategy you can apply in your own life. Connect with a like-minded community so you are not doing healing, legacy building, and wealth creation alone. SEND US YOUR STORIES (START-UPS, CORPORATE STORIES) moneysexgenx@gmail.com FINANCIAL TOOLS: AI powered Financial Coach Fin literacy course Stock course Accelerator SCALE YOUR EMERGING COMPANY O...

  THE LEGACY OF THE MARBLEHEADERS Colleague Patrick O'Donnell. The final segment reflects on the heavy price Marblehead paid for independence, ending the war with a ruined economy and nearly 400 widows. O'Donnellnotes that few physical memorials exist today, though John Glover's house and the burial hill are still present. The discussion concludes with a tribute from Henry Knox, who wished legislators understood that without the "men of Marblehead" leading the army across the Delaware, the revolution might have failed. O'Donnell asserts that this "origin story" is indispensable yet has remained largely untold. NUMBER 81889

Show Notes This week on Mobile Suit Breakdown, an important update about what's coming next for the podcast, plus Nina finally gets to sate her curiosity (and yours) about the origins of motocross, and the state of the sport in the 1990s. And don't miss the real explanation behind Victory Gundam's obsession with bikes and bike battleships: it's all Tomino's fault (kind of)! Show notes will accompany part 2 next week. Mobile Suit Breakdown is written, recorded, and produced within Lenapehoking, the ancestral and unceded homeland of the Lenape, or Delaware, people. Before European settlers forced them to move west, the Lenape lived in New York City, New Jersey, and portions of New York State, Pennsylvania, Delaware, and Connecticut. Lenapehoking is still the homeland of the Lenape diaspora, which includes communities living in Oklahoma, Wisconsin, and Ontario. You can learn more about Lenapehoking, the Lenape people, and ongoing efforts to honor the relationship between the land and indigenous peoples by visiting the websites of the Delaware Tribe and the Manhattan-based Lenape Center. Listeners in the Americas and Oceania can learn more about the indigenous people of your area at https://native-land.ca/. We would like to thank The Lenape Center for guiding us in creating this living land acknowledgment. You can subscribe to Mobile Suit Breakdown for free! on fine Podcast services everywhere and on YouTube, visit our website GundamPodcast.com, follow us on Twitter, Instagram, and Facebook, or email your questions, comments, and complaints to gundampodcast@gmail.com. Mobile Suit Breakdown wouldn't exist without the support of our fans and Patrons! You can join our Patreon to support the podcast and enjoy bonus episodes, extra out-takes, behind-the-scenes photos and video, MSB gear, and much more! The intro music is WASP by Misha Dioxin, and the outro is Long Way Home by Spinning Ratio, both licensed under Creative Commons CC BY 4.0 licenses. All music used in the podcast has been edited to fit the text. Mobile Suit Breakdown provides critical commentary and is protected by the Fair Use clause of the United States Copyright law. Gundam content is copyright and/or trademark of Sunrise Inc., Bandai, Sotsu Agency, or its original creator. Mobile Suit Breakdown is in no way affiliated with or endorsed by Sunrise, Bandai, Sotsu, or any of their subsidiaries, employees, or associates and makes no claim to own Gundam or any of the copyrights or trademarks related to it. Copyrighted content used in Mobile Suit Breakdown is used in accordance with the Fair Use clause of the United States Copyright law. Any queries should be directed to gundampodcast@gmail.comRead transcript

-Callers from Delaware to South Carolina jump in—including serial callers and one who claims Random House knowingly loses money on political books. -Christian Toto arrives on the Newsmax hotline to talk Oprah's GLP-1 weight-loss crusade, Hollywood's decline, the misery of modern award shows. Today's podcast is sponsored by : RELIEF FACTOR - You don't need to live with aches & pains! Reduce muscle & joint inflammation and live a pain-free life by visiting http://ReliefFactor.com now! QUINCE - Refresh your winter wardrobe with Quince. Go to http://Quince.com/Newsmax for free shipping on your order and 365-day returns. BIRCH GOLD - Protect and grow your retirement savings with gold. Text ROB to 98 98 98 for your FREE information kit! To call in and speak with Rob Carson live on the show, dial 1-800-922-6680 between the hours of 12 Noon and 3:00 pm Eastern Time Monday through Friday…E-mail Rob Carson at : RobCarsonShow@gmail.com Musical parodies provided by Jim Gossett (http://patreon.com/JimGossettComedy) Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media:  -Facebook: http://nws.mx/FB  -X/Twitter: http://nws.mx/twitter -Instagram: http://nws.mx/IG -YouTube: https://youtube.com/NewsmaxTV -Rumble: https://rumble.com/c/NewsmaxTV -TRUTH Social: https://truthsocial.com/@NEWSMAX -GETTR: https://gettr.com/user/newsmax -Threads: http://threads.net/@NEWSMAX  -Telegram: http://t.me/newsmax  -BlueSky: https://bsky.app/profile/newsmax.com -Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

The ongoing Warner Bros. Discovery (WBD) saga continues with a lawsuit from Paramount Skydance (PSKY) regarding valuation, which a Delaware court struck down. A proxy battle looms, a costly endeavor for both companies. James Czerniawski emphasizes that this legal setback does not weaken Paramount's position, but rather pushes the conflict into a full-fledged proxy war. Warner Bros. Discovery's board rejected Paramount's latest offer, citing concerns over debt and insufficient price increases. Netflix (NFLX) might sweeten its offer, potentially with an all-cash deal, pressuring Paramount to raise its bid.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

About this episode: Medetomidine, a veterinary sedative similar to xylazine, is appearing more frequently in drug supplies in Maryland, Delaware, and Pennsylvania—and the withdrawal symptoms are debilitating. In this episode: Addiction medicine specialist Jordan Nahas-Vigon details the risks facing people who use drugs and why it's so difficult to quit. Guests: Dr. Jordan Nahas-Vigon is a primary care doctor with Johns Hopkins Medicine who specializes in addiction medicine. Host: Dr. Josh Sharfstein is distinguished professor of the practice in Health Policy and Management, a pediatrician, and former secretary of Maryland's Health Department. Show links and related content: A Powerful New Drug Is Creating a 'Withdrawal Crisis' in Philadelphia—New York Times Why the animal sedative behind a Baltimore mass overdose is so hard to quit—The Baltimore Banner Sedative 'dex' is replacing 'tranq' in illegal drug supply and causing excruciating withdrawal—STAT The Xylazine Crisis—Public Health On Call (May 2023) Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

In this Real Estate Weekly Deal Breakdown, I walk through a real-life deal where I sold a problem rental and used a 1031 exchange to buy the neighbor's unit instead. This condo was a nightmare—bad tenant, eviction, major damage, a contractor who stole money, and numbers that no longer made sense. I break down why rehabbing it didn't work, why selling outright would've crushed me with taxes, and how a conversation with the neighbor led to the best possible outcome. If you're holding rentals and considering selling, this breakdown will help you think through your options before you make an expensive mistake.  

You can build something beautiful, grow it, scale it, and still protect the people and culture that made the community what it is. You've probably seen the opposite happen, a neighborhood gets "improved" and suddenly the folks who stuck it out through the hard years cannot afford to stay, local businesses get priced out, and the history gets wiped clean. That tension is real, especially when you are a Black entrepreneur trying to build with integrity, not just build for profit. This episode matters because wealth building is not only about money, it is also about who has access, who has voice, and who gets to benefit long term. Logan Herring Sr. joins the show to break down how to create wealth and opportunity without displacement, using lessons from real redevelopment work in Wilmington, Delaware, while keeping the conversation practical for entrepreneurs across any industry.   Logan is the CEO of The WRK Group, which includes The Warehouse, REACH Riverside, and Kingswood Community Center. He shares how his team is replacing outdated public housing with high quality mixed income housing, creating pathways for education, health, and economic vitality, and doing it without pushing existing residents out. You will also hear how he thinks about capital, trust, and community partnership, plus the behind the scenes choices that make revitalization ethical and sustainable.   DURING THIS EPISODE YOU'LL LEARN: The three types of capital that shape wealth Why opportunity and access are not the same, and how outsiders often confuse the two How displacement can happen culturally and economically even when residents stay put What it takes to revitalize a community without repeating the harm that created the conditions in the first place Why Black entrepreneurs need collaboration more than control, and how sharing the pie can create real stability Don't miss out on the resources mentioned in this episode by checking out the show notes at blacktobusiness.com/287   Thank you so much for listening! Please support us by simply rating and reviewing our podcast!   Connect with us on Instagram:  https://www.instagram.com/blacktobusiness/    Don't miss an update! Sign up for our weekly newsletter: https://blacktobusiness.com/mailinglist

Today on Coast To Coast Hoops Greg recaps Wednesday's college basketball results, talks to Rob Donaldson of Underdog Fantasy about the top teams in the sport being tested, the landscape of mid-majors like the American Conference, & Thursday's games, & Greg picks & analyzes every Tuesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:19-Recap of Wednesday's Results15:01-Interview with Rob Donaldson35:16-Start of picks New Mexico St vs Liberty38:28-Picks & analysis for Mercer vs VMI41:04-Picks & analysis for James Madison vs Appalachian St44:06-Picks & analysis for Robert Morris vs IU Indy46:28-Picks & analysis for Old Dominion vs Georgia Southern49:05-Picks & analysis for Hofstra vs Stony Brook51:41-Picks & analysis for Oakland vs UW Milwaukee 54:15-Picks & analysis for UTEP vs Delaware 57:04-Picks & analysis for Drexel vs Monmouth 1:00:09-Picks & analysis for Detroit vs Northern Kentucky 1;02:57-Picks & analysis for Elon vs Northeastern 1:05:56-Picks & analysis for Youngstown St vs Wright St1:08:48-Picks & analysis for UW Green Bay vs Cleveland St1:11:33-Picks & analysis for The Citadel vs UNC Greensboro 1:14:07-Picks & analysis for North Carolina A&T vs William & Mary1:17:01-Picks & analysis for St. Thomas vs North Dakota 1:19:25-Picks & analysis for Arkansas St vs South Alabama 1:21:57-Picks & analysis for Cal Baptist vs Abilene Christian 1:24:30-Picks & analysis for Charleston vs Towson 1:27:21-Picks & analysis for Kansas City vs South Dakota 1:29:51-Picks & analysis for Eastern Illinois vs Little Rock 1:32:20-Picks & analysis for Morehead St vs Tennessee St1:34:49-Picks & analysis for Southern Indiana vs Tennessee Tech1:37:30-Picks & analysis for Tarleton St vs Southern Utah1:40:07-Picks & analysis for SIU Edwardsville vs UT Martin1:42:49-Picks & analysis for Wichita St vs Florida Athletic1:45:50-Picks & analysis for Lindenwood vs SE Missouri St1:48:31-Picks & analysis for Idaho vs Idaho St1:51:15-Picks & analysis for UT Arlington vs Utah Tech1:53:50-Picks & analysis for CS Fullerton vs UC Davis 1:56:21-Picks & analysis for Eastern Washington vs Weber St1:58:56-Picks & analysis for UC Santa Barbara vs CS Bakersfield 2:01:31-Picks & analysis for Hawaii vs Cal Poly2:04:05-Picks & analysis for UC Riverside vs Long Beach St2:06:27-Picks & analysis for Northern Arizona be Sacramento St2:09:21-Picks & analysis for Northern Colorado vs Portland St2:11:34-Picks & analysis for Gonzaga vs Washington St2:14:03-Picks & analysis for San Diego vs Seattle2:16:08-Picks & analysis for CS Northridge vs UC San Diego 2:18:41-Start of extra games UMBC ve Bryant2:21:26-Picks & analysis for NJIT vs UMass Lowell2:23:45-Picks & analysis for Binghamton vs Albany2:26:22-Picks & analysis for West Georgia vs Stetson2:28:29-Picks & analysis for Queens NC vs Florida Gulf Coast 2:30:55-Picks & analysis for North Florida vs North Alabama 2:33:33-Picks & analysis for Maine vs Vermont2:36:12-Picks & analysis for Jacksonville vs Central Arkansas 2:38:23-Picks & analysis for Bellarmine vs Lipscomb2:40:15-Picks & analysis for Eastern Kentucky vs Austin Peay Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textIn this episode of The Mental Health Business Mentor podcast, we explore how compassion fatigue can quietly impact therapists—and why community is one of the most powerful antidotes. Our guest, Natasha D'Arcangelo, shares how isolation often deepens burnout, while intentional networking and peer connection can restore energy, perspective, and purpose. Natasha and Margo discuss how building supportive professional relationships not only benefits clinicians' well-being but also strengthens practice growth and sustainability. This conversation invites therapists to rethink networking as a form of care—for themselves, their practices, and the clients they serve. What You'll Learn:How compassion fatigue shows up for therapists and why it often goes unrecognizedThe role isolation plays in deepening burnout—and how community can help reverse itWhy networking isn't just about referrals, but also about emotional support and sustainabilityPractical ways therapists can build meaningful professional connections without feeling overwhelmedBio:Natasha is a Licensed Mental Health Counselor (LMHC) in the states of Florida, Idaho, Iowa and Washington, and a Licensed Professional Counselor (LPC) in the states of Delaware, Oregon, South Carolina, and Virginia. She is also a Florida Qualified Supervisor. She received her Master of Arts in Clinical Mental Health Counseling from Argosy University, Sarasota. She is the Chief Clinical Officer for LBee Health and the owner of D'Arcangelo Counseling & Consulting, LLC. Her previous experience includes working as an educator in an inpatient psychiatric setting, community mental health, private practice, the nonprofit sector, and mental health tech. She is an international speaker who has presented on various topics, most often on Compassion Fatigue.Connect with Natasha: https://www.linkedin.com/in/natasha-darcangelo/https://natashalmhc.com/natashadarcangelo@gmail.comDr. Margo Jacquot is the award-winning founder and Chief Care Officer of The Juniper Center, one of the largest woman-owned counseling and therapy practices in the Chicago area. With over 20 years of experience, she specializes in trauma recovery, addiction treatment, and LGBTQ-affirming therapy. Dr. Jacquot is also the host of the "Mental Health Business Mentor" podcast, where she shares insights on running a successful mental health practice. thejunipercenter.com Connect with Dr. Margo Jacquot: Website: thejunipercenter.com Instagram: @thejunipercenter Facebook: The Juniper Center

Seller Shopping Your Offer? Here's How to Still Get the Deal If you're doing off-market marketing, this will happen—sellers take your offer and shop it around to other investors. The question is: how do you respond without losing the deal? In this Real Estate Weekly Lesson, I share real-world strategies I've used across 500+ closed deals to: Figure out if a seller is bluffing or serious Ask the right questions before making an offer Handle competing investors (local vs. virtual) Secure the “last look” and maximize your chances to win  

We Like Shooting Episode 645 This episode of We Like Shooting is brought to you by: C&G Holsters , Midwest Industries, Die Free Co., Night Fision, Blue Alpha, Second Call Defense, and Swampfox Optics   Welcome to the We Like Shooting Show, episode 645! Our cast tonight is Jeremy Pozderac, Aaron Krieger, Nick Lynch, and me Shawn Herrin, welcome to the show! Text Dear WLS or Reviews +1 743 500 2171 -Pew Report Pew Locker   Gear Chat Nick - Dual Layer Handguard Dual layer handguard Shawn - Plumb Precision Introduces New Reticle for Optics Plumb Precision Products has launched the Second Focal Plane Plumb Reticle designed for versatility in target acquisition and engagement, particularly in competitive shooting contexts. This new reticle is expected to impact the gun community by enhancing the speed and accuracy of precision shooting, particularly for designated marksman rifles and multi-gun competitions. Jeremy - https://ambientarms.com/ Franklin Armory Prevail Series Title: Franklin Armory Introduces World's First Total Round Control Bolt Action in New Prevail Line Link: Soldier Systems Summary: Availability: To be officially unveiled at SHOT Show 2026 (Jan 20-23); orders accepted at the show. Cost: Pricing to be announced at SHOT Show. Different/Special: Features the new "Total Round Control" (TRC) action, a patent-pending system that mechanically controls the cartridge through the entire cycle (feeding, chambering, firing, extraction, and ejection). It combines the benefits of both push-feed and controlled-round-feed designs into a single precision platform. Rolling Out & Everytown Title: Rolling Out Pushes Anti-Gun Propaganda and Everytown Research Link: AmmoLand Summary: Availability: News/Opinion article (N/A for product purchase). Cost: N/A. Different/Special: This story highlights a conflict between the NSSF (National Shooting Sports Foundation) and "The Trace" (Everytown's media arm). The article criticizes "Rolling Out" for publishing narratives that frame suicide prevention partnerships as "gun lobby PR," arguing that such political angles undermine genuine efforts to save lives. Bullet Points Shawn - Evaluating the Benefits of Modular Suppressors The article discusses the trend of modular suppressors in the firearms community, highlighting their ability to adapt and optimize sound suppression for multiple firearms through interchangeable parts. While they offer benefits such as versatility and efficiency, some users express concerns about complexity and performance trade-offs. The increasing popularity of modular suppressors since 2019 reflects a broader acceptance within the gun community, particularly for those looking to maximize their suppressor use across different weapons while navigating regulatory considerations. Gun Fights Step right up for "Gun Fights," the high-octane segment hosted by Nick Lynch, where our cast members go head-to-head in a game show-style showdown! Each contestant tries to prove their gun knowledge dominance. It's a wild ride of bids, bluffs, and banter—who will come out on top? Tune in to find out! WLS is Lifestyle Form 1 Generator Fun Form 1 generator Aaron's Alley NSSF Industry Alert: ATF e-Forms Processing Surge Title: Industry Alert: ATF e-Forms Processing Surge and System Outages Link: NSSF Summary: Availability: The ATF e-Forms system is currently experiencing "intermittent IT system glitches and delays" nationwide due to an unprecedented volume of submissions. Cost: The alert is a call to action for industry members to contact their representatives and advocate for additional funding for the ATF. The NSSF argues that the current disruptions are a result of "outdated and under-resourced IT infrastructure" that requires congressional support to modernize. Different/Special: The alert highlights a massive anomaly in processing volume: On January 1 alone, the ATF processed approximately 150,000 e-Forms, compared to a typical daily average of just 2,500. The NSSF is explicitly encouraging retailers to document these issues and lobby for government spending to prevent future system failures.   Going Ballistic Censorship Strike: A New Chapter for Second Amendment Critics (no summary available) https://www.thetruthaboutguns.com/south-carolina-firearms-industry-liability-bill-hb4723/ https://www.thetruthaboutguns.com/south-carolina-firearms-industry-liability-bill-hb4723/ https://www.thetruthaboutguns.com/suppressor-sales-surge-in-2026/ https://www.thetruthaboutguns.com/suppressor-sales-surge-in-2026/ https://www.thetruthaboutguns.com/uk-man-seeks-u-s-asylum-after-arrest-over-gun-photo/ https://www.thetruthaboutguns.com/uk-man-seeks-u-s-asylum-after-arrest-over-gun-photo/ https://www.thetruthaboutguns.com/anti-gun-senators-attack-doj-second-amendment-office/ https://www.thetruthaboutguns.com/anti-gun-senators-attack-doj-second-amendment-office/ Delaware's Permit-to-Purchase: A Comedy of Errors in Gun Control (no summary available) TikTok's Trendy Gun Show: Minors in the Crosshairs (no summary available) Reviews ⭐⭐⭐⭐⭐ - from Typicalpnwguy - Can't get enough of the podcast even after all these years. The cast is amazing. Shawn is a bad ass content creator, Nick is amazing with creations and Gun Fights, Savage is, Jeremy is great at showing us that while we may lose our cool and might have racist tendencies we'll never be on his level, and Aaron is good about showing us what life choices not to do and what hills not to die on. Anyways keep it up and I cant wait until Jeremy's kids are guests on the show flexing on us non f.a. owning poors   ⭐⭐⭐⭐⭐ - from Anonymous Coward from WA - For your viewing pleasure. Its a herd on my delivery route. MMfa8b1c69829d9f7c364981e398b80548.jpeg   ⭐⭐⭐⭐⭐ - from Anonymous Coward from CT - Episode 440, the gays speak about being gay for 7 minutes. Then in a gay fashion, give us this amazing phone number and say don't be gay. So, this is a test to see how gay they have gayed and see what are the gay boundaries they put on such an amazing opportunity to communicate with them during their gayness. Thank you.   Before we let you go - Join Gun Owners of America   Tell your friends about the show and get backstage access by joining the Gun Cult at theguncult.com.   No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember - Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time!   Nick - @busbuiltsystems | Bus Built Systems Jeremy - @ret_actual | Rivers Edge Tactical Aaron - @machinegun_moses Savage - @savage1r Shawn - @dangerousfreedomyt | @camorado.cam | Camorado

Today's podcast presents an article from Ken Cuccinelli, former Virginia Attorney General and former Acting Deputy Secretary of the U.S. Department of Homeland Security. Cuccinelli discusses the role of Christian beliefs in government leadership and challenges Believers to consider how greatly their prayers, support, and participation are needed today.---------America Pray Now publishes a magazine on prayer that is free of charge and can be delivered directly to your home. You can sign up for this magazine on our website at americapraynow.comIn addition to our weekly podcast, we meet in 17 different cities every month to pray in person. Most of our in-person prayer meetings are in Virginia, and we also have meetings in Maryland, West Virginia, Delaware, North Carolina and South Carolina. See our website for times and dates at americapraynow.comEnjoy the Podcast? Let us know! Email us at podcast@americapraynow.com

On January 12, 2025, 50-year-old Robert Maguire, known to those closest to him as Bobby, said goodbye to his father and boarded a bus in Wilmington, Delaware. His destination was Scranton, Pennsylvania. Those cities are only about 2 to 3 hours apart, but the route the bus Bobby boarded included a stop at the Port Authority Bus Terminal in New York City, where he was expected to transfer to a second bus bound for Scranton. On the other end of the trip, Bobby's cousin was waiting for a call to let him know he had arrived and was ready to be picked up. That call never came.At first, the silence did not raise an immediate alarm. Bobby's cousin assumed he had decided not to make the trip. His family in Delaware believed he had arrived safely. As more time passed with no word from Bobby, those assumptions fell away, and the family realized something was wrong. What makes Bobby's disappearance especially difficult is the uncertainty of where it occurred. Somewhere between Wilmington, New York City, and Scranton, Bobby vanished. With multiple buses, a major transit hub, and time unaccounted for, his last confirmed location remains unclear. This has left his family unsure where to focus their search. One year later, they're still searching for answers.If you have any information about the disappearance of Robert Maguire, please contact the Wilmington Police Department at (302) 654-5151.If you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Last year was a lot, especially if you have a sensitive soul. As we enter 2026, listen to this episode of the Awaken Your Wise Woman podcast as host Elizabeth Cush shares tips for slowing down and savoring the good in this new year. "I want to make 2026 the year of savoring, of really enjoying what is. And as sensitive beings, those of you who are highly sensitive, savoring often comes naturally. But you might need to be more intentionally mindful about your everyday experiences to truly savor the present moment."—Biz CushFor so many of us, the year we've just left behind was filled with intense energy, conflict, bullying and complicity. If you're tired of feeling exhausted by your news feed and the stress of living in the world today, you're not alone. The good news is that you don't have to feel that way. In this episode of the Awaken Your Wise Woman podcast, host Biz Cush, LCPC, a licensed professional therapist, founder of Progression Counseling in Maryland and Delaware, and a life coach for highly sensitive women, talks about the importance of balancing sensory input with quiet time and mindfulness, and the benefits of finding appreciation and gratitude in daily life. Listen in as she shares some tips that you can use to slow down and enjoy what each day of this new year brings.You can find the full show notes and resources mentioned for this and every episode here.Support the showI hope you enjoyed the show! You can also follow me here: Instagram YouTube Facebook

Ray Wroten from Bond & Bentley pulls up to the studio to talk touring, local Maryland venues, why the band re-recorded fan-favorite songs instead of “remastering,” and how recording live in the room keeps the human feel intact.We also get into: ridiculous band name ideas, bar-gig requests, “Two Dollar Hot Dog / One Dollar Water,” sobriety + anxiety spirals, meditation that actually works, running a trivia company (M.R. Pub Games), and the most important hypothetical of all time: how many 10-year-olds in bike helmets could you take with a baseball bat?Bond & Bentley “Remnants” is out now.Ray also hosts trivia through M.R. Pub Games.Upcoming: Bond & Bentley live Feb 28 at The Room at Cedar Grove (Lewes, Delaware) dinner + show benefit format.You can find Ray: Website: raywrotenmusic.comFacebook: facebook.com/raywrotenmusicInstagram: instagram.com/raywrotenSpotify: open.spotify.com/artist/5CtSfmKFtZlg8R35flezgUiTunes: itunes.apple.com/us/artist/ray-wroten/412672792You can find Bond & Bentley:Website: https://bondandbentley.net/Facebook: https://www.facebook.com/bondandbentley/#Instagram: https://www.instagram.com/bondandbentleyYouTube: https://www.youtube.com/bondandbentleytube

(0:00) Intro(2:00) About the podcast sponsor: The American College of Governance Counsel.(2:45) Start of interview. *Reference to prior episodes with Joe (E1 from '20, E35 from '21, E84 from '23, E123 from '24 and E161 from '25)(4:43) IPO Environment. Reference to paper by Mark Roe: Half the Firms, Double the Profits(11:58) Elon Musk's $1 Trillion Pay Plan "We will pay you an outrageous amount if you achieve preposterous results."(14:40) Delaware's Supreme Court Decision Reversing the Chancery's Rescission of Elon's $56B (now $139B) Tesla comp (20:08) The AI Bubble "We're either in a bubble or a bubble is inevitable."(25:24) OpenAI's Restructuring *more about the restructuring in this article(28:18) Predictions on Elon Musk vs OpenAI trial(32:47) Delaware Exodus "I describe Delaware now as the prostate of corporate law" "it's too soon to make a move from Delaware"(36:16) Evolution of the Caremark Doctrine "the big enchilada"(38:09) Delaware Attorney Fee Awards. *Reference to Joe Grundfest's paper on this topic.(40:34) SEC enforcement focus (41:20) Biggest winner in business in 2025(42:42) Biggest loser in business in 2025(44:11) Biggest business surprise in 2025(44:46) Best corporate governance trend from 2025(46:00) Worst corporate governance trend from 2025(48:28) What's the biggest corporate governance trend to watch out for in 2026(50:00) Thoughts on SEC (and other agencies) having Commissioners from a single party(54:34) The Chicken!Joe Grundfest is W.A. Franke Professor of Law and Business Emeritus at Stanford Law School, and Senior Faculty of the Arthur and Toni Rembe Rock Center for Corporate Governance You can follow Evan on social media at:X: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__To support this podcast you can join as a subscriber of the Boardroom Governance Newsletter at https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

America is currently engaged in an existential war for survival against powerful forces and the 92% of the world population that wishes to wipe out the first world generally and America specifically. Currently this war is not “hot,” meaning it's not being fought with armies wielding military weapons of violence. And may we all wish that it never achieves that level.Instead, we are engaged in a “soft” existential war for survival, in which the chess pieces are being moved into position, often using subterfuge, and ALWAYS accompanied by powerful and sophisticated propaganda wielded by our enemies.America was once a master of such propaganda, especially during our American Revolutionary War for independence. In fact, today, is the anniversary of the January 10, 1776 publication of the essay “Common Sense” by American propagandist Thomas Paine, which argued powerfully for America to split from the British monarch and establish a free Republic. What I'd like to cover today, however, is a different Thomas Paine essay that better illustrates the vital importance of propaganda to the good guys winning—his publication of “The American Crisis” published at the end of that same year, on December 19, 1776.That December the peoples who would form America were in desperate straits, having experienced much military failure in their battles with Britain, the most powerful military force on the planet at the time, and General George Washington's troops were dwindling in both numbers and morale. Paine's “American Crisis” was so powerful a piece of pro-American propaganda, however, that Washington immediately had it read aloud to his suffering troops—and just days later these same soldiers would cross the frozen Delaware on Christmas night and slay Hessian mercenaries employed by the British in their sleep. That victorious Battle of Trenton would be followed by another resounding victory a few days later in the Battle of Princeton, completely turning the tide of the revolution in America's favor. America could use a bit of Thomas Paine today, as we face our own existential travails against the tens of millions of aliens invading our shores, looting our treasury, degrading our culture, and striving to obliterate our first-world existence from the face of the globe.Let's talk about the nature and vital importance of propaganda, and read through Paine's “American Crisis,” in celebration of this great American's passion and genius for the emerging republic of the United States. 

This week on the Erotic Awakening Podcast, episode 744,  Dawn reviews some changes that happened in 2025,, .. ……plus, she reviews some polyamory/poly/polyam terms like kitchen table polyamory….and then mentions the goal channels/room on the EA discord server. BTW, you don't have to be a patron to join the discord server and chat with other listeners!!!    Links mentioned on the show: Leather Life Education Series https://leatherlife.org/ KIC https://kicevents.com/ Intrigue https://fetlife.com/events/1725996 Indy Rope Expo https://www.indyropeexpo.com/     Transcript 1:20 Why patron is the first part of the show 2:01 2025 Review 3:13 Hot Hot Yuma 4:19 D/d split 4:40 Dawn hits the road 5:08 Chicago stop 5:34 Healing Dungeon Series 7:08 Madison, Milwaukee, Elgin 8:46 Kicked Ass at Naughty Revival 10:02 KIC and Tools for Anxiety 11:10 Delaware 12:33 What's next? 15:53 Where I'll be next 18:01 Poly terminology 19:24 Kitchen Table Polyamory 20:57 Parallel Polyamory 22:35 Garden Party Polyamory 23:35 Solo Polyamory 24:48 Relationship Anarchy 26:18 Goals for 2026   Enjoy!!! Dawn     Discounted/Free books, kink starter cards, online classes; early access to the show, and more!    https://www.patreon.com/eroticawakening   ***************************************** Fetlife - @erotic_awakening  Instagram - @eroticawakening Youtube - @eroticawakeningpodcast TikTok - @eapodcastdawn Newsletter - www.eroticawakening.com   Discord - https://discord.gg/WQtSM56V39 744 - #polyamoryterminology #polyam #kitchentablepoly #solopoly #gardenpartypoly #relationshipanarchy #powerexchange #polyamory #livingms #polyamorytoolkit #kinkeducation #leathereducation #onlineeducation #podcast #eroticawakeningpodcast #bdsm #domsub #submission #heartsandcollars  

Kail sits down with Larry Normile owner of Artistic Editions in Dover, Delaware for a conversation that starts with tattooing and turns into something so much bigger. Larry opens up about learning to tattoo as a teenager, how tattoo culture has changed over the years, and why he's passionate about shifting the judgment people still carry around visible ink.The heart of the episode is Larry's groundbreaking work inside one of Delaware's largest prisons, where he's teaching inmates a real tattoo apprenticeship complete with education on hygiene, bloodborne pathogens, regulations, technique, business basics, testing, and documented hours. Larry breaks down what it takes to qualify, what the studio looks like behind the walls, and why the program is about more than tattooing it's about rehabilitation, reentry, and giving people a path forward that actually sticks. Along the way, Larry shares his own story from foster care and juvenile detention to prison and ultimately rebuilding his life. It's raw, hopeful, and a reminder that people are more than the worst thing they've ever done.Follow Larry for more info and to see his portfolio! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode OverviewIn this episode of The Butcher Shop fly fishing podcast, host Marvin Cash sits down with Brendan Ruch, the innovative tier behind the Nut Job, to explore every dimension of this game-changing swim fly pattern. From its accidental birth on Logjam Live to its current status as a go-to predator pattern for serious smallmouth and trout anglers, Brendan walks through the complete evolution of the fly. The conversation covers Central Pennsylvania waters where the pattern has proven deadly on big smallmouth and trout, particularly during spring high water conditions. Brendan details his craft fur-based approach, explaining how the synthetic material provides superior castability and a distinctive glide bait action compared to traditional hen saddle patterns. The discussion moves from vise to water, covering everything from material selection and proportioning to advanced retrieve techniques that maximize the fly's strip-and-stall bite trigger, making this essential listening for any angler pursuing large predatory fish on the fly.Key TakeawaysHow to tie a swim fly with predictable glide bait action using craft fur instead of expensive hen saddles, resulting in easier casting and better material availabilityWhy positioning rubber legs on top of the shank rather than on the sides creates critical parachute action that allows the fly to suspend and trigger strikes during the pauseWhen to adjust tungsten bead weights between 3/16" and 7/32" based on current speed to keep the fly in the strike zone without losing the neutral buoyancy that makes the pattern effectiveHow introducing slack through rod tip manipulation and strategic mends maximizes the fly's side-to-side glide within a confined 12-inch zone where fish are holdingWhy dark colors like olive-and-black with copper flash outperform bright patterns in off-color spring water, while yellow-orange combinations excel as visibility improvesTechniques & Gear CoveredThe episode centers on Brendan's systematic approach to fishing articulated swim flies with emphasis on strip-and-stall retrieves that create glide bait action. He details using rod tip manipulation—upward jerks, downward strips, lateral movements combined with mends—to introduce slack that allows the Nut Job to kick side-to-side within a tight zone. Tying techniques focus on craft fur density and proportioning, including ripping tips rather than cutting to preserve bulk, using finesse chenille as a low-drag core and positioning 4-8 rubber legs to create suspending action. Brendan discusses hook configurations ranging from size 2 Trout Predator to 1/0 hooks paired with 15-25mm shanks connected via Maxima Chameleon 25lb, with tungsten bead options from 3/16" to 7/32" for varying current speeds. Line selection covers Type 3 sink tips for early season high water transitioning to intermediate lines as flows normalize, paired with fluoro leaders built from 30-35lb stepping down to 16-20lb tippet.Locations & SpeciesThe Nut Job has proven effective across East Coast waters, with Brendan's primary focus on Central Pennsylvania smallmouth fisheries where the pattern excels during high water conditions typical of March through May. He references success on the West Branch of the Delaware targeting trout with smaller versions of the pattern and discusses adaptations for musky fishing and striper applications along coastal waters. The fly's design addresses the challenges of fishing swollen spring rivers with off-color water, where heavy tungsten keeps...