A deep dive into the ingredients of the Covid-19 vaccines reveals the shots are contaminated with outrageous levels of plasmid DNA, and big pharma reportedly knew about it before it sought Emergency Use Authorization. That fact - under adulterated product law - opens the floodgates of vaccine injury lawsuits that could decimate the very companies that lied and said the shots were safe and effective. PLUS - was January sixth an insurrection or an instigation? DAMNING NEW CAPITOL VIDEO proves a combination of police ineptitude and excessive force prompted most of the violence that day. Drip. Drip. Drip. Podcast Production: Bob Slone Audio Productions
Welcome to the Capitalist Investor podcast! Join hosts Derek, Tony, and Luke as they dive into relevant topics such as inflation, dividend reinvestment programs (DRIP), the Strategic Petroleum Reserve, tipping culture, and NFL updates. They also share their perspective on the economy and market reactions to the recent inflation report. Tipping Culture: Tony, Derek, and Luke had an engaging discussion on tipping culture in America, bringing about multiple perspectives to the table. While all agreed about generously tipping: hairdressers, bartenders, and restaurant servers, Luke suggested that tipping should always be a personal choice and not a mandatory expectation.Inflation Report and Its Consequences: The hosts delved deep into the upcoming inflation report, showing a 40% difference between small businesses' perceptions and official data. They discussed Home Depot's prediction of the worst of inflation being over, and concerns about the potential fallout if it reaches 10%.Dividends Reinvestment and Wash Sales: The conversation took a financial turn as the hosts discussed the risks and drawbacks of Dividend Reinvestment Programs (DRIPs). They also brought forth the concept of wash sales, explaining what they are and the tax strategies to avoid them.21:05 Government Economics and the Strategic Petroleum Reserve: A riveting discussion followed about government economics and the time it would take to restore the depleted Strategic Petroleum Reserve. The hosts expressed their criticisms and shared their predictions about high US oil production filling the economic gap.35:20 NFL Games and Betting Odds: The hosts definitely showcased their love for the NFL in this episode. Talking about delineating betting odds for the Browns game, injury updates for players like Deshaun Watson and Nick Chubb, and predictions for the Steelers against the Browns made for an interesting conversation for all the football lovers tuning into this episode.
The pair you are about to hear are not professionals. Their opinions and beliefs are not fact. They are just two idiots that are Spitting Nonsense. Hi, We are Jasmine and Zach here to present you with some nerdy news! We upload our news podcast on Wednesdays and our bonus episode on Saturdays! Support us by following us on Discord at: discord.gg/yjxsKww Give us feedback and let us know how you feel in our #questions-and-suggestions channel on the Discord listed above. --- Send in a voice message: https://podcasters.spotify.com/pod/show/spittingnonsense/message
Gilles De Coster is -minder bruin dan gedacht- terug van zijn exotische excursie(s). Filip, ‘Daan Huysmans' en Gilles Mbiye-Beya ontvangen hun vaste host na drie weken afwezigheid met open armen. Ook Jokke is weer van de partij, hij valt deze keer in voor Sam die verplichtingen had in het Hasseltse. Met veel drip en flair blikt het vernieuwde vijftal terug op het recente voetbalweekend, waarin doelpunten met bakken uit de lucht vielen. Enfin, in Antwerpen en Londen toch.
What Fills Your Heart? The words you speak will all depend on what's filling your heart. Pastor Brock Meyer describes. Genesis 37 --- Send in a voice message: https://podcasters.spotify.com/pod/show/fairmount-friends-church/message
Welcome back to another episode of the Sprinkler Nerd Show. I'm your host Andy Humphrey. This is episode 144 coming to you on Friday, almost a live Friday. We're gonna get this one aired within the next two hours. So if you're listening to it on Friday, this episode is being recorded at 9.32 a.m. And I'm joined today by My good friend, Paul Bassett, who joined me last week in my hometown of Traverse City, Michigan for the Iceman Cometh Race. Paul is a survivor. We may talk about that a little bit today, but while he was visiting, we had this idea to record an episode calling it kind of like Irrigators Top 10, and these would be sort of 10 facts that we should all have readily available in our mind at any moment without having to open. a book. So we're going to kind of talk today about 10 things all irrigators and or landscapers who do irrigation should kind of just know. So Paul, welcome. Paul Bassett (01:12.718) Oh, Andy, it's always good to hear from you and be with you and come up with these fantastic new topics to do a podcast on. As we were preparing this, I've been in the irrigation business 35 years, so you would think these would all be at the top of mind. As you go through life, sometimes you forget or you don't always use these calculations every day. So it was a very good reminder for me to be able to have these at the top of my fingers and be able to... the pull them out so probably one thing we should do is text these outer get these the folks and you know have them put it on a screenshot and have it available. Andy (01:51.774) Yeah, because I mean, really sometimes when you're in the field, you got to make changes to a design, or you want to run a quick calculation for a customer to run an estimate or an ROI. And you can't always just Google something and find it and figure it out or pull out your design book. And so we kind of thought there are some things. We tried to think of 10, of course, to make this episode a 10 list, which was actually kind of hard. If you're listening to this and you've got other ideas, let us know because this was just a list that we put together kind of top of mind. And when we get started, you'll see that this list is, we're trying to make it sort of memorizable things versus concepts. But I think there are a couple that are concept based, but we really think that these are just sort of the, you know, if we were in school, these would be things you would memorize and there would be, and you would put on a test. You would be asked these questions and you commit them. to memory, sort of like, you know, how many states are there in the United States? That would be a fact that you'd commit to memory that everyone would know. Just common knowledge. And so maybe that's what we need to call this, sort of like common knowledge facts that irrigators should have top of mind. Paul Bassett (03:08.834) Or as you say with this particular topic, common knowledge concepts or constants. I even, constants, common knowledge constants in the irrigation industry. And all of these numbers and calculations that we're gonna discuss are all in tests that we've taken in the irrigation industry, whether it's a certified irrigation designer, contractor, and all of these are extracts from any of the textbooks that we've ever read. Andy (03:15.834) Constance, right. Constance. Paul Bassett (03:38.422) be a part of. Andy (03:40.894) Mm hmm. So I think what we should do is, well, first of all, let me congratulate you on finishing the Iceman Cometh race. I'm really impressed because you didn't even hesitate when race registration opened. You signed up and this was six months prior. And this is no joke of a race 30 miles point to point in the woods with 5000 other riders and you just signed up without any hesitation. You flew your bike out to Michigan and. Boom, you'd finished the race, so congrats, man. Paul Bassett (04:11.358) Yeah, and it was super fun and I can't wait to do this. Hopefully every year for the rest of my life. I got the bug. It was good to hang out with you and all your friends in Michigan. And I am so excited about next year. I definitely going to do a little bit more training and hopefully my neck won't be as jacked as it has been this last year. So can't wait, dude. Andy (04:33.09) Yep, anybody who's into biking that happens to be listening to this, check out iceman.com. And if you're interested, register and we will, you know, get a tent for us irrigators and throw a party in the woods in Michigan after the bike race. It'd be a heck of a lot of fun even if we just got two or three other people into biking. You want to come to Michigan and hang out next year with Paul and I in the woods for Paul Bassett (04:58.422) Can't wait, man. Andy (05:00.246) Okay, so I think that to kind of set the tone for this, I'm going to say the first one that I want to use to let people kind of understand what we're talking about. So here would be a for instance, you're on a project and you take a static pressure reading and then you see that there's a slope on the hill and it looks to be about 20 feet of elevation from where you took your static pressure reading to the bottom of the hill. what is it that all irrigators should know about pressure as it relates to elevation that they should commit to memory so that if you take a pressure reading at the top of the hill, you can calculate what your pressure will be at the bottom of the hill. Paul Bassett (05:47.882) Very good. And yes, this is definitely something, especially if you live, not necessarily in your neck of the woods, Andy, where it's flat and in Michigan, where you are. Andy (05:56.238) Yeah, but even 10 feet, right? 10 feet to the eye over a distance can look flat. So, you know, many sites have elevation, even if it's only enough where you might need a check valve or something in a sprinkler. But using the what do we want to call this the constant of pressure due to pressure loss, or gain due to gravity, I guess is where I'm going with this would be the constant that everybody should know. and I would say first and foremost they should commit like a half psi. If they can remember 0.5 psi that's the easiest one but then the actual number is 0.433 psi loss per foot of elevation or gained per foot of elevation. Paul Bassett (06:46.038) And that's what I've always really put in my mind as I'm doing calculations is half a pound per every foot of elevation. And it makes it easier round. At least you got a little buffer, especially if nowadays, and I know I think you and I really going to talk more about the residential element on this to make it more simplified for people. But, you know, we do a lot of work in commercial and there's a lot that's happening in what we do with green roofs and got to get water to a top of a building. Now that's a hundred. Andy (06:51.992) Right. Paul Bassett (07:16.362) stories or whatever it is. So you're like, oh. Andy (07:18.736) Even if it's six, right? Even if it's 30 feet or 20 feet. Paul Bassett (07:22.338) I mean, it's a big loss, right? And, you know, we're going to need pumps to get the water pressure unless the building has a booster pump. So a lot of this has to do with making sure you overcome the pressure losses of elevation in your calculations so you don't get stuck. Andy (07:35.034) Yep. And coming out of a pond, you know, a lot of municipal sites have, you know, secondary sources and a lot of times the pond are at the bottom of a slope. That because generally where you know, the water collects. So whether it's retention basin or a pond, you know, it's good to take that into consideration. What is the elevation of the pump? What is the elevation that it needs to get to? And you can quickly run that calculation by remembering, you know, one half pound of pressure for every foot. of elevation, either gain or loss. So now that's an easy one. Probably all you guys listening, that's an easy one. But if not, just remember, half a pound of pressure and the actual number is 0.433, but a half pound will always cover you because it's a greater value than the actual value. Okay. So let's go to a second example, number two. Do you have one, Paul? Paul Bassett (08:07.007) Easy way to do it, Andy. Paul Bassett (08:30.166) I do. And this comes in a lot of times when you're on a property or you're with a homeowner and they say, well, how much water do I need to apply in my landscape in a given week? What do you do? Oh, let me run the math. Well, first of all, we need to know how big is your property. And one of the calculations that we use is how many square feet are in an acre. And this is something that we We should all try to commit the memory so you know exactly how much water you need to apply, but you know, 43, 560 is that's how many square feet are in an acre and these are the numbers that you need to be able to have when you calculate how much water is being applied. So you can say, well, I have a half an acre of property. Okay. Well you divide, you know, the 43, 560 and half, and then that's your square footage and then well, how much water do we need a week? We're going to calculate one inch of week. And then we should be able to determine from there how much water that site needs in a week. And you can tell your customer, here's how much you'll be expecting to pay in water per week in the growing season. Andy (09:36.418) Now you just covered a whole bunch of shit. Not only the $43,560, but one inch of water, you know, breaking it down to square feet and then telling them how much that's going to cost. That is a whole episode right there. So I'm going to just make a note on that. Paul Bassett (09:50.19) I did probably overwhelm. Yes, apologize on that. Andy (09:54.006) Oh good, man, I love it. So 43,560 square feet in one acre. That's what we think is that you should commit to memory. How many square feet in an acre? And. Paul Bassett (10:06.954) Yeah, and again, what happens too is like a lot of guys and gals are out here when we work in athletic fields, they're going to consume a bunch of water and they're a large area. So this is really where I first started understanding the square footage when we started doing soccer and football and baseball fields because you got such a large area, it's way more than a half an acre. So you got lots of acreage and the client wants to know how much water are we going to be putting down? How much do we need? So that's where those numbers come in handy more specifically then, than when you're doing residential. Andy (10:39.878) Okay, I think that then rolls into our third constant, which you kind of started alluding to when you said, you know, how much water is one inch, you know, for gallons. So I think the next thing that should be committed to memory is how many gallons is one acre inch, one inch of water over an acre. How many gallons is that? Paul Bassett (11:07.498) And one of the things again, for those of us who haven't been into the irrigation show or the conference or taking classes, these are all things that, that like page one and two of our books that go through all these content and then they reiterate it throughout. And, and I think Andy, you did the same with our numbers that a half of a pound per foot will we know that the physical number of an acre inch is 27,154. Who wants to remember 154 all the time is so hard. Is it 154? Is it 560? So Andy and I make it easy. It's 27,000 gallons. Just like a half a pound. Then that's about right. But it is the actual number is 27,154 and that's how many gallons of water it would take to cover an inch of land over one acre. Andy (11:38.61) Mm-hmm. Andy (11:45.834) Mm-hmm. 27,000 gallons. Andy (12:01.686) Yep, so if your client has a half acre lot and they're just, you know, again using one inch as an estimate, this might be more, might be less, but annualized, let's just say it's an inch over half an acre, then you can take 27,000 gallons, divide it by two, right? You get 13,500 and that would be one inch of water for half an acre. So knowing those constants in your mind would allow you to do some quick math on the fly without opening up any design books. Paul Bassett (12:31.714) And then why would you apply one inch of water? Where does one inch come from, Andy? Why would we apply an inch? Where does that come from? Andy (12:39.484) Oh man, you're gonna test me in front of all these people listening? It's the plant water requirement, right? On the average for, I believe, cool season turf, one inch of water per week. And then again, in the summer, based on the actual evapotranspiration rate, it could be an inch and a half or it could be more. And in the spring, it could be a quarter of an inch or one inch, but when you annualize it, that is the number one inch that is used for, you know, sort of quick math, if you will. Paul Bassett (13:08.046) Well, you said a calculation or term in your discussion point here of evapotranspiration. What are the four things that create evapotranspiration? Andy (13:19.954) Cool, well, let's make that our next, you know, not a constant, but the next sort of fact that every irrigator should know is what is ET, evapotranspiration, and then what you said, what are the four variables that make up evapotranspiration for climate, you know, weather variables that make it up. So we have air temperature. humidity, wind speed, and solar radiation. So those... What's up? Paul Bassett (13:57.386) Rainfall's not in that, Andy. Rainfall's not in that. Andy (14:01.894) rainfall would be considered like the counterbalance. So rainfall is used to fill the bucket up, but those four variables are used to calculate the bucket depletion, if you will. So those variables calculate the depletion. Rainfall then fills it back up. So if you had one inch of depletion and you had one inch of rainfall, then you have zero. The water requirement is balanced out. But evapotranspiration is just water loss. It doesn't have rainfall. Rainfall is just the added value to help estimate the water needed. But it's not a part of the actual evapotranspiration equation. Paul Bassett (14:50.326) Excellent discussion point, Andy, because sometimes people forget that rainfall is not calculated in ET. It's also sometimes kind of hard to figure out where to get ET data from. It's not like we can go ping a source and we have it all over the country. You have to go find it and it has to be a good reliable source. I think more and more people are starting to... Andy (15:14.031) Yeah. Paul Bassett (15:16.822) give access to ET so it's becoming readily available for us. Andy (15:22.09) It is kind of wild, you know, even when you think about all these smart controllers out there in the world, which when we say smart controller, that means many things to many people. There's really no good quantifiable definition of a smart controller, but it just amazes me that even on the screen, let's just take Hydrawise. Sorry, Hunter, I'm just using this as an example. On the screen of the Hydrawise controller, why doesn't it just show you the ET value? Like we need to put that in front of people so that they understand why it's doing what it's doing. Show me on the screen what you know yesterday's ET is. Paul Bassett (15:48.62) I know. Paul Bassett (15:57.09) Very good suggestion, Hunter. Andy (15:59.27) So, and Hunter, anyone, right? We should just put it out there. It's as important as how many gallons of water did I use yesterday. Paul Bassett (16:08.718) Well, I know Andy, we've been kind of talking about some of the little more advanced constants in the irrigation, but let's talk about some that are a little bit easier, which folks really should know as well. And what we're going to do is there's a lot of different pipe types in the world. And we, you and I, when we did this discussion, we wanted to pick something that's a little on the simpler side. So for those who use poly pipe or HDPE. forgive us, but we just chose schedule 40 PVC is our constant pipe type and it's going to be an average PSI 50. But you know, folks should know how much water does a one inch piece of schedule 40 pipe flow through at a standard pressure? I mean, because when you're out in the field and you're looking at how many heads are on a zone and you know the pipe size and you say, well, What, why is there 20 gallons a minute flowing on this one inch piece of pipe? And I have absolutely terrible pressure because that pipe should only be running 13 gallons a minute. Now you have 20 and you gotta make an adjustment. You gotta fix it. So, you know, that's something that's really important for all of you listening out there. How much water can we flow through our pipe? Andy (17:17.072) Right. Andy (17:27.186) Mm-hmm. And we'll have to save this for another episode where maybe we talk about the concepts versus the facts. So you and I wrote down that we thought it would be important, again, mostly residential speaking to know the maximum flow rate for schedule 41 inch at 13 gallons a minute and the maximum flow rate for three quarter inch schedule 40 at eight gallons a minute. But the most important thing is to know how to find this. where to look, how to find this, and that would be, you know, understanding a friction loss chart. And friction loss charts are in the back of every manufacturer's catalog, most manufacturers catalogs. And it's important not to exceed a certain velocity. So, you know, this will lead into the next sort of constant that we want to talk about. But the maximum flow rate is determined by the velocity Paul Bassett (17:56.097) Yes. Andy (18:25.286) the pipe such that it puts less stress on the fittings and less stress on the systems with water not moving as quickly through the pipe. And so we think that all irrigators should know what is the maximum velocity in feet per second that is used in these friction loss charts. So why don't you tell us what that maximum velocity should be? Paul Bassett (18:50.838) Well, it's funny you say that because, you know, always handy for me is my book, constant book, that I have to reference all the time because I'm looking up charts. So when you look at, okay, well, we were gonna use one inch PVC, you go down in your chart book, you go, okay, well, what is the flow rate of it? And in all of the books and charts you see, it's five feet per second is the standard in the irrigation industry of how fast that you're going to move the water through the pipe to ensure that the fittings aren't damaged, the valves aren't damaged, you don't have excessive pressure and water hammer. So five feet per second is what's going to allow us to get our 13 gallons a minute through our schedule 40 PVC. Andy (19:38.054) right five feet per second. Five feet per second guys five feet per second. What's so fascinating too is when you look at friction loss charts, the friction loss going from like a one inch pipe to an inch and a quarter pipe when you're at that five feet per second is a big deal. You might go from three psi loss per hundred feet to you know or to one psi loss per hundred feet by upsizing And it's a great example of how faster moving water creates a lot more friction loss. Going back to your point, Paul, if you're running twice the volume of water that you should be through a size pipe, your velocity increases tremendously, which then causes there to be a lot of friction loss. And that's why you put too many heads on a zone. It just doesn't balance out and you get poor performance because of all that friction loss. Paul Bassett (20:38.474) And I've seen this way too often in the 30 some years that I've been doing this. The client goes, why isn't my sprinklers working properly? What is going on? Do I need a booster pump? No, we need to split the zone. Well, what's that going to cost? Right? You always hear that. Well, I'm sorry, but you know, somebody tried to get away with doing something that they shouldn't have, and now you need to split the zone and out of out. We don't need a pump. We just need to split the zone. And the thing that we're trying to really encourage here is, you know, just do the math. Andy (20:50.917) Yeah. Andy (21:02.159) Mm-hmm. Paul Bassett (21:07.358) It's not that hard. We all have smartphones They can easily go in and plug in some numbers and calculate what you actually need to put on a zone Andy (21:14.69) Yep. And we know that the smartest irrigators listen to this show. So we know that you guys understand what we're talking about. But what we really want is for you to know, and we think that you do, you know, why? Because we still, there are still installers out there that if you were to ask this question, how many heads can you put on a zone, they're going to say, I put four rotors on the zone. Why? Well, because that's what my boss told me to do. Well, do you know why? Nope, my boss just says four heads on his own. but they don't know why there's four heads on a zone. And so that's the most critical thing is to understand the concepts so that you can decide if you're gonna put two or if you're gonna put 20, because you know why and then you know how, and then you understand the entire hydraulic, you know, makeup of the system. Paul Bassett (22:02.862) Well, Andy, what if a customer says, hey, man, my water bill is excessive this past summer because they get billed every quarter. And then they say, can you take a look at our water bill? And they send you the water bill and the water bill, the municipality measures the water in cubic feet instead of gallons, which is a lot of times through most jurisdictions is their water meters measuring cubic feet. And then you got to do the math to figure out, well, what the heck? How many gallons is that? And this, so there's a few constants that are in there that all of us, irrigators must know when we are analyzing a water bill or we get measurements in cubic feet. And so what do you think those are, Andy? Andy (22:45.074) Mm-hmm. Yep, well, because I just asked Google, and we know that's what you guys would do and there's absolutely nothing wrong with that. I use Google all the time to run conversions, but knowing that one cubic foot, one cubic foot, one box, right, one box of water is 7.48 gallons. 7.48 gallons, and then I think some meters. Paul Bassett (22:55.094) zero. Andy (23:13.118) also record in 100 cubic feet or the bill may come in the form of 100 cubic feet. So then you can just take 7.48 times 100 and you get 748 gallons in 100 cubic feet. Paul Bassett (23:27.67) And you see, we see that all the time. I mean, you and I run math and looking at utility bills and going, ah, man, these guys with their cubic feet again. But I've seen a lot of municipalities now are making it a little more simplified where they actually will do the conversion for you on the utility bill to show you. Here it is in cubic feet and here it is in gallons so that you don't have to do the math, which is, you know, better for us folks in the U S Andy (23:47.034) Mm-hmm. Andy (23:50.866) I know. It makes you wonder why it's like that. It's one thing. I mean, I understand because that's what the meter records it in. So that's what they reported in. But the benefit to the utility is that a lot of consumers don't understand what that means. They don't even know what their water bill is. They don't know how many gallons they're using. So they don't even know if they're using the right amount because those numbers don't mean anything. But you know, it would just be easier if they turned it into what people recognize gallons on every water bill. Paul Bassett (24:10.219) Right. Paul Bassett (24:19.786) Well, I think, Andy, from what I recall, that back in the day, way before you and I, that all this water was measured via agriculture. And agriculture used the cubic feet because they had big canals, they had big reservoirs, and the reservoirs were all measured that way. So as we started putting meters on things, that was the simplified form back in the day to be able to do it in cubic feet. Paul Bassett (24:49.802) measured in gallons. But that is really the reason why it's in cubic feet, not to think that the municipality is trying to pull one over on you or think, you know, we don't know what we're doing. But it was really an old agricultural calculation done back in the day. Andy (25:02.822) And then to just mechanically on the meters, if it was gallons, you would need a few more number, a few more dials, you know, to because the number is going to be a lot bigger. So you may need a couple more zeros, you know, on the meter reading to actually read that high right of a volume. Cool, okay, well staying in water, this one is related to irrigation, but it's more of just knowing about water. It might relate to irrigation when it comes to how much a cistern might weigh when it's full of water, but I think it's nice to understand the actual weight of water in terms of how heavy, what does one gallon of water weigh? Paul Bassett (25:47.954) And not only should you know it here, but when you go pick up a gallon of milk, okay, well, how much does that weigh when you got to carry it, or if you want to carry two gallons of milk, but it also really relates to the pressure that particular amount of water weighs when it creates pressure. So when you're talking an inch or a foot of water, it creates a certain amount of weight that then creates pressure. Andy (26:14.77) Mm-hmm. Paul Bassett (26:14.966) So all of us should know that a gallon of water is 8.34 pounds. Or for us easy mathematicians, it's about eight pounds. So it's eight pounds. Yeah. Andy (26:22.798) eight pounds. Yeah. Yep. Again, it's just nice to know about water moving water moving water in motion. What does water way just good to know some water values. Paul Bassett (26:33.31) And then, you know, I think this is the one constant that inspired this whole episode really was, you know, we were doing some calculations on, you know, how much does fuel in an airplane weigh? Because you got to do weight balance and your wife said, oh, fuel is 6.1 pounds. I'm like, wow, fuel is less than water. That's because water is 8.3. So, you know, fuel is, ah, this sounds like a great episode, Andy. Let's Andy (26:46.052) Right. Andy (26:54.65) Makes sense. Yeah. Andy (27:00.47) No wonder water no wonder fuel floats on the top of water. I think it does anyway. So all right, well, I think we got our last one here, which is actually more of a concept because these values can change. And so what we thought is that, you know, every irrigator should know the general precipitation rates of drip sprays and rotors. And again, this has a range, but knowing the precipitation rate of those devices is really important as it relates to scheduling and to understand the reason why you zone things separately, because that's sort of the foundation of zoning things separately outside of the plant material is you want to have the same precipitation rate of all devices on one zone. So what should we use for general precipitation rates of drip spray rotor? Paul Bassett (28:09.522) What I've always done when I calculate things is, again, I try to make it simple for me as well. So sprays, I've always used the constant of an inch and a half. And then rotors is about a half an inch. And then drip is somewhere between another half an inch, right? So... Andy (28:28.962) Yeah, and that's the drip is kind of the craziest thing because I still, it is still very common and popular for contractors to install 0.9 by 12 inch spacing, right? Inline drip, whatever the brand might be, 0.9 by 12. And they don't realize that is an inch an hour, 0.9 by 12. Actually, I think it's even more than that. But then they'll say, yeah, drip, I usually set my drip zones for about 45 minutes because it comes out slowly. And it's like, well, not at that flow rate in spacing. It doesn't. And that's where Drip, that's where some misnomers are because you could also use a 0.26 by 18 inch spacing. And now you have a pre-sip rate that's more like 0.3 and you should run it a lot longer. Where Drip, you gotta really understand what you're doing because the range is so different. But I think, like you said, generally, it would be more like 0.4 or so, 0.5. Paul Bassett (29:28.354) I mean, but for this particular discussion, again, we're trying to just make it some simple rules of thumb, sprays and half an inch an hour, I mean, inch and a half an hour, sorry, and then rotors half an inch an hour. And that way you can easily do some simple calculations. Sure, it's going to vary depending on spacing and pressure and whatnot, but, you know, we're just looking for simple concepts here. Andy (29:47.31) Yeah, yeah. And, you know, Paul and I spent some time thinking of these things and getting more than 10 seem to be pretty difficult. But sometimes you just can't see outside of the things you've already thought of. So if you're listening to this, and we missed some, let us let us know what you commit to memory. And that you think other irrigators and landscapers should know that are those facts that just commit to memory. Because I'm sure we missed lots and lots. All right, well, I think that covers it, Paul, for these constants. And we got a couple other ideas for a couple future episodes. I really think we should talk a little bit more about giving your customer a water cost analysis. And I would just have to bet that not even one in 100 proposals, new installation proposals, comes with a water cost budget or analysis. Paul Bassett (30:45.954) Probably not. I mean, you know, the challenge with that is when we buy refrigerators now and washing machines and laundry machines, they all come with what they anticipate that we're going to spend in our energy on these. You know, why can't we do the same here with irrigation? It's not that hard. And it would show your customer you care more about them than the final number at the end of the page that you care that. Andy (31:01.742) Right. Yep. Andy (31:10.394) And you know what you're talking about and that you're considering the operational costs of the system. And again, if they're getting a quote, either maintenance quote or new construction quote from three contractors, I bet you your competition isn't doing it. So another great way to stand out is to put together that, you know, cost analysis, operational cost. Paul Bassett (31:31.35) Great nugget from this podcast right there, everyone. Andy (31:35.014) Cool, okay, that's the opener for the next episode. Paul, thank you for brain sharing with me today. Love doing that with you, so thank you. Paul Bassett (31:43.754) can never get enough of doing it as well. Andy (31:46.926) Right on guys. Thank you for listening. Please share this episode with a friend or share it with your grandmother. And like, subscribe, and we'll catch you on the next episode. Paul Bassett (32:00.95) Be a Andy. Have a good day. Bye. Andy (32:01.787) Bye bye.
https://www.patreon.com/pitm Search "Panties In The Mouth" in your favorite podcast app! Or go to https://anchor.fm/pitm, also our Twitch.tv/PitM Nate Marshall: https://twitter.com/isthatnatem https://www.instagram.com/isthatnatemarshall/ Drip at The Stands every first Wednesday LeMaire Lee: https://twitter.com/lemairelee https://www.instagram.com/lemairelee/ Andy Malafarina: https://twitter.com/andymalafarina https://www.instagram.com/andymalafarina/ https://podcasts.apple.com/us/podcast/drag-the-lake/id1551859872 https://podcasts.apple.com/us/podcast/no-more-heroes-w-andy-malafarina/id1566738832 --- Send in a voice message: https://podcasters.spotify.com/pod/show/pitm/message
Before we get started, we want to send out a big thank you to our partner Grind Coffee Co. for their support of the show. They're a convenient subscription service offering specialty grade, single source, 100% Arabica Coffee available in whole bean and Drip grind. Check out GrindCoffeeCo.com ------------------ Kristopher Marks - VIV Mental Health The Builder Sessions Podcast November 7, 2023 On this episode we have Kris Marks from VIV Mental Health. We dive into the stigma of mental health in the trades, his experience moving from a Journeyman Machinist to a Mental Health Advocate, and the importance of knowing yourself in order to better take care of yourself. Please enjoy our interview with Kris! Connect with Kris! Mental Health Resources / Supports - https://www.vivmentalhealth.com/resources-news/ Website - https://www.vivmentalhealth.com/ Instagram - https://www.instagram.com/vivmentalhealth/ Twitter - https://twitter.com/vivmentalhealth Facebook - https://www.facebook.com/vivmentalhealth YouTube - https://www.youtube.com/@vivmentalhealth TikTok - https://www.tiktok.com/@vivmentalhealth LinkedIn - https://www.linkedin.com/in/kristophermarks/ Connect with us! Instagram: https://www.instagram.com/thebuildersessionspod/ Facebook: https://www.facebook.com/TheBuilderSessions Website: http://www.thebuildersessions.com Check out our YouTube Channel: https://youtube.com/@thebuildersessions Listen on Spotify: https://open.spotify.com/show/19deP6RTKq6d18FpgeOSsm?si=601a0bb544784f6f Become a Builder Sessions Insider! http://eepurl.com/h8bca1 Episode Music The Future Bass by EvgenyBardyuzha from Pixabay (Pixabay License Certificate): https://pixabay.com/music/future-bass-the-future-bass-15017/ Chill Urban Hip Hop by dopestuff from Pixabay (Pixabay License Certificate): https://pixabay.com/music/beats-chill-urban-hip-hop-143543/ Thank you for listening! Hopefully this episode inspired you to get off the couch and build something cool! - Hoff & Rosie --- Send in a voice message: https://podcasters.spotify.com/pod/show/thebuildersessions/message
Schaftlein Report | Guest - Joe Visconti Headline - Israel Splits North Gaza 1) Military Operation continues while whinny liberals and cease fire nuts support Hamas 1A) Biden and Blinken plead for "humanitarian temporary halt".. Israel may do "small pause" U.S. troops under attack and Biden does NOTHING 2) A growing chorus of Democrats want Biden to Withdraw from race as polling numbers are a disaster. 2A) Multiple credible polling shows Trump leading in 5 of 7 Swing states. 2B) Media in full panic and melt down. DISBELIEF 2C) Biden too old +42, Policies hurt Americans =17, Bad Economy +24. Economy. border, crime and foreign policy are working against Biden 3) 4 Key elections states today KY, VA, Ohio and Mississippi 4) Speaker Johnson ties Ukraine aid to Border Security - AWESOME. 4A) He also ties Israel aid to cutting IRS budget - Another winner 5) DeSantis, Haley, Scott, Christie and Ramaswamy appear to qualify for tomorrow debate in Miami 6) Biden refuses to provide loan documents between him and his brother in the Biden crime family saga. Drip, Drip, Drip
INTERVIEW: Christoph el Truento on new single 'Drip' ft. Ladi6 + album 'Circle of Friends' by Candice Clark on Radio One 91FM Dunedin
Check us out today at 2pm for the next episode of The DRIP Radio Show, “The Things We Do for Love”! Always flanked by my girls @heymrzmar and @cam_iam_she, let's get ready for the conversation. Grab your ☕️and join the conversation!Click the link in our bio to connect LIVE at 2pm!The Drip Radio Show…
Devin Ebanks was looking forward to a summer vacation with the family following a championship run in Saudi Arabia. That was until an unexpected call from the BIG3 came. After trying to playing in the league the year before, Ebanks looked elsewhere this summer. But those within the league had other ideas. The West Virginia alum went on to help Tri-State finish the season in the Top-8 and spent some quality time with old teammates in different cities across the US. We get into his favorite Kobe moment during his time with the Lakers, would he rather have $50 million and a chip or $100 million, the draft night surprise, playing under Dr. J, and who he'd love to see play in the BIG3 alongside him next year. Additionally, we discuss the Department of Justice's investigation into the NBA, Enemies roster moves, and who got snubbed. DRIP: https://www.dripshop.live/invite/4thM... FOLLOW: Twitter, IG, Tik Tok - @4thManPod SUBSCRIBE & LEAVE 5 STARS: Apple - https://podcasts.apple.com/us/podcast.... Spotify - https://open.spotify.com/show/5dk1EZz.... LISTEN EVERY MONDAY AT 1PMEST OR SATURDAY AT 2PM EST: Nothin' But Net Channel on Dash Radio - https://dashradio.com/nothinbutnet ... GRAB A SHIRT OR SOMETHING: https://teespring.com/the-forth-man?p.... DEVIN EBANKS: IG: @forever_rico3
On this week's Drip Report, Jim Jones reviews Lebron James' new deal and campaign with Louis Vuitton. He also covers Travis Scott breaking records by selling $1 million worth of merch. Jim talks about the upcoming auction of rare Death Row pendants and gives a weekend weather report for fashion across the country. Learn more about your ad choices. Visit megaphone.fm/adchoices
Resources: ----------------- https://holesky.ethpandaops.io Public RPCs - https://rpc.holesky.ethpandaops.io Beaconchain explorer - https://holesky.beaconcha.in Dora the explorer - https://dora-holesky.pk910.de/ Launchpad - https://holesky.launchpad.ethereum.org Guide: https://notes.ethereum.org/@launchpad... Slides - https://docs.google.com/presentation/... PEEPanEIP - • PEEPanEIP Dencun - • Dencun Check out upcoming EIPs in Peep an EIP series at https://github.com/ethereum-cat-herde... Follow at Twitter -------------------------- Parithosh Jayanthi @parithosh_j |Philipp Kreil @_pk910_ | Barnabas Busa @BarnabasBusa | Afri Schoedon @q9fcc | Pooja Ranjan @poojaranjan19 Topics Covered -------------------------- 00:30- Intro to the topic and team 1:28 - Meet @parithosh_j 1:42 - Meet @BarnabasBusa 1:59 - Meet @_pk910_ 2:14 - Meet @q9fcc 3:14 - Presentation - what is Holesky? 4:32 - Why replace the Goerli testnet? 5:53 - Predictable Ethereum testnet lifecycle 7:43 - Preparations & tests before Holesky launch 9:32 - Data gathering - metrics 10:45 - Issues identified 13:13 - Bigboi-beaconchain-1 Test results 14:40 - Bigboi-beaconchain-2 Test results 16:15 - Holesky launch 1 17:23 - Holesky launch 2 19:45 - Attestation propagation on the network 20:13 - Current Holesky network 20:45 - What's next for Holesky & Goerli? 21:35 - Holesky resources 22:24 - Funding in Holesky 24:40 - Drip-based funding contract 25:55 - Get funds from faucets 26:31 - Next Testnet 27:50 - How was it named “Holesky”? 29:39 - Why limit onboarding large validators? 31:55 - eip7514 will be good to test when ready for Dencun testing 34:00 - what change in 2nd launch? 35:00 - Public testnet timeline? 36:45 - What will Devnet 10 include? 40:00 - what about eip-7516? 40:45 - Is Holesky Dencun ready testnet? 42:15 - Order of testnet 43:30 - What will happen to Goerli testnet? 47:06 - Documentation available? 48:20 - Questions answered after the call. 49:40 - Message to the community
You can calm chaos at work, but it starts with a reality check from Charlie Gilkey, delivered with his signature wit and generosity: You might not have a team problem, you have a you problem. It's time to stop catering to air sandwiches, Crisco watermelons, broken printers, ghost plans, and other corrosive practices, and start implementing Charlie's finely-tuned, road-tested systems instead. Today we're talking about his new book Team Habits: How Small Actions Lead to Extraordinary Results. We also talk about scaling from maker to manager (and sometimes back again), accounting for those who don't want the added social overhead of that (often due to some combination of hoarding control, people-pleasing, introversion, and empathy). More About Charlie: Charlie Gilkey has advised hundreds of teams, from Fortune 100 companies to tiny nonprofits, through Productive Flourishing, the coaching and training company he founded. Charlie is a former Army logistics officer and near-PhD in philosophy living in Portland, Oregon. He is the author of Start Finishing: How to Go from Idea to Done, and today we're talking about his new book, Team Habits: How Small Actions Lead to Extraordinary Results.
Looking for a fun group project for the upcoming slow season? Grab your team and create a Sustainable QR Tour! Welcome to Marketing Tip Monday with SIP Certified. We know customers are looking for wines labeled as sustainable. While our longer-form episodes help you learn about the latest science and research for the wine industry, these twice-monthly micro podcasts will help you share your dedication to sustainable winegrowing so you can show your customers that you share their values. A Sustainable QR Tour is a unique, educational, self-guided way for your guests to learn about your brand's sustainable practices. When you create your Sustainable QR Tour, you will: 1. Showcase your sustainable attractions. 2. Explain each attraction with a short video or quick written description. 3. Bring your tour to life by posting your QR codes and making a map. By taking your Sustainable QR Tour, your visitors will: Learn about your brand's values. See sustainability in action. Enjoy an activity as they taste your sustainable wines. In this Marketing Tip, we'll walk you through all of the steps to create your Sustainable QR Tour. Step 1: Identify Your Sustainable Attractions Get your team together and talk about examples of sustainability at your property. SIP Tip: use the Sustainable Stories worksheet to get the ball rolling! Pick 5 to 10 things that can be seen and/or approached by a visitor at your property. These will be the attractions for your QR tour. Take notes about the sustainable aspects of each attraction, and why it is important to your brand. These will be used to create the content describing each attraction. Ideas to Get You Started Vineyard Attractions Vines (Value #2: Water Management) Soil and plant-based moisture monitoring devices ensure vines are irrigated when needed. Drip-irrigation systems use 20-50% less water per-acre than sprinkler systems. Owl box (Value #3: Safe Pest Management) Owls are natural predators for vertebrate pests like squirrels and gophers. Cover crop (Value #5: Habitat) Contribute to the vineyard ecosystem's biodiversity. Provide homes for beneficial insects. Prevent soil erosion. Winery/Tasting Room Attractions Solar panels/EV charging stations (Value #4: Energy Efficiency) Capturing the sun's energy means less draw from the grid. Pamphlets for charitable foundations, organizations, etc (Value #1: Social Responsibility) Socially responsible businesses give back to their communities. Your brand's Newsletter (Value #6: Business) Sustainable businesses celebrate their successes and plan for the future. 7 Values of SIP Certified table sign (Value #7: Always Evolving) SIP Certified members stay up to date with the latest sustainable winegrowing practices Step 2: Explain Each Sustainable Attraction Create Your Content Each one of your sustainable tour attractions will have its own QR code. When scanned, the code should open up either a video or a written description. Use video: Grab your phone and in two minutes or less, introduce the topic, explain its sustainable aspects, and tell the viewer why it is important to your brand. Post your videos to YouTube, or give each one a dedicated blog post on your website. Write it out: Create a blog post on your website for each of your sustainable attractions and put the information in writing. It is important that the information for each sustainable attraction is on its own page! That way, when the QR code is scanned, only the information for the appropriate attraction opens. Generate Your QR Codes Visit the published page for each sustainable attraction's content, and follow these steps to generate your QR code: Tap your mouse's right clicker anywhere on the web page. Click “Create QR code for this page.” WARNING: Don't modify the link that appears under the QR code! Click the button to Download your QR code. Rename your QR code so it's easily identifiable. SIP Tip: use a name that includes the tour stop (e.g.: cover crop video) Save your QR code on your computer. Step 3: Bring Your Tour to Life Now it's time to post your QR codes at your stops, and make a map so visitors know where to find them. Print & Post Your QR Codes You will need to print your QR codes and give them a clear, protective covering to shield them from the elements. You can use a laminator, packing tape, or clear binder inserts. Or have them printed on a material that can withstand the elements. Attach them to a sturdy surface at or in view of your Sustainable QR Tour attraction. Make a Map Your visitors will want to know where to go when they embark on your Sustainable QR Tour! Your map can be hand drawn, or you can use an application like Canva, or Adobe Illustrator to make your map. On the back of the map, list out your stops in the order they appear along the path, and give a quick hint for finding the QR code. SIP Tip: Make it a Game! Create a quiz sheet for your guests, and have them complete it once they visit all of the stops. Or, encourage them to post a picture or video from their tour experience on their social media and tag you. Put your guest's names into a pot for a monthly drawing, and get creative with your prizes! A complimentary tasting for two, a piece of SWAG from your shop, or a private tour with your General Manager, Winemaker, or Vineyard Manager are just a few ideas. Coming Up... Our next Marketing Tip will feature the final story in this year's round of Sustainable Stories from SIP Certified Members. Be sure you don't miss the inspiring story of how Talley Vineyards supports all of their employees in their professional development. We are here to help you tell your customers how your brand protects natural and human resources with the Sustainable Story program. This simple yet powerful free tool helps you tell your own personal sustainable message. And it just got better with a new online course. Go to the show notes, click the link titled Tell Your Sustainable Story to sign up, download the worksheet, watch the videos, and you are ready to tell your Sustainable Story! Until next time, this is Sustainable Winegrowing with the Vineyard Team. Resources: *** Tell Your Sustainable Story Online Course *** Business: Niner Wine Estates Marketing Tips eNewsletter Safe Pest Management: Wolff Vineyards SIP Smart Training online course Sustainable Story Worksheet | Print Sustainable Story Worksheet | Electronic What's your Sustainable Story? Vineyard Team Programs: Juan Nevarez Memorial Scholarship - Donate SIP Certified – Show your care for the people and planet Sustainable Ag Expo – The premiere winegrowing event of the year - $50 OFF with code PODCAST23 Sustainable Winegrowing On-Demand (Western SARE) – Learn at your own pace Vineyard Team – Become a Member
This week we're doing some follow-ups on recent episodes to fill in a few blanks. Spurred on by the PS5's Spider-Man 2, we wanted to talk about the recent advent of gaming at 40Hz, and that led us to finally talk in some more depth about Brad's new television set. Will has also been testing a coffee brewer FROM SPAAAACE!!!! or at least co-designed by an astrophysicist, and has some tips on zero-bypass brewing, wetting your paper filters (eww), and more.Some links from this episode:Hisense U8K: https://www.rtings.com/tv/reviews/hisense/u8-u8kNextlevel Pulsar: https://nextlevelbrewer.com/pulsar-brewer/Coffee ad Astra: https://coffeeadastra.com/Support the Pod! Contribute to the Tech Pod Patreon and get access to our booming Discord, your name in the credits, and other great benefits! You can support the show at: https://patreon.com/techpod
#JimJones is back with another episode of Drip Report bringing you the latest fashion, music, sports, and culture news. In this week's show we talk 2028 Olympics additions, the end of DVDs at Best Buy, new gym gear from Nike, and more. Jim gives the weather forecast for NYC, Memphis, Vegas, LA and more cities so you know how to dress. We also cover new music releases like his album Byrdgang 2.0 - stream it now! Overall, lots of dope updates to keep you drippin' right so you don't slip up. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this discussion from the 2023 SOSV Climate Tech Summit (Sept 26-27, 2023), Three founders of AgTech startups discuss their innovative solutions in the fields of climate resilient crops, bio fertilizer, and water harvesting. Brendan from Avalo explains how machine learning is used to identify desirable traits in plant genomes. Franco from Puna Bio discusses the use of extreme microbes to create bio fertilizer. Dr. Ramadan Borayek from Drip AI explains the passive technology behind their hydro panel that harvests water from the air. The founders also discuss the challenges of raising funds and the importance of investing in deep tech solutions to cope with growing food in challenging climate conditions. This conversation is moderated by Marina Schmidt, Founder and Editor in Chief, Red to Green Solutions. The video of this episode and more can be found online at sosvclimatetech.com. Speakers Brendan Collins, Co-Founder, CEO, Avalo Franco Martinez Levis, CEO and Co-Founder, Puna Bio Ramadan Borayek, CTO, Co-Founder, Drip.ai Moderator Marina Schmidt, Founder and Editor in Chief, Red to Green Solutions Credits Producer: Ben Joffe Podcast Summary: Written by gpt-3.5-turbo, edited by Ben Joffe Intro Voice: Cloned voice of Ben Joffe by ElevenLabs Intro Music: EL Waili Keywords: #deeptech #venturecapital #climatetech #vc #robotics #lifesciences #biology #hardware #startups #innovation #technology #frontiertech #hardtech
Before we get started, we want to send out a big thank you to our partner Grind Coffee Co. for their support of the show. They're a convenient subscription service offering specialty grade, single source, 100% Arabica Coffee available in whole bean and Drip grind. Check out GrindCoffeeCo.com ------------------------------- Dennis Scott - Humble Bee Builds: Tiny Home Construction The Builder Sessions Podcast October 18, 2023 On this episode we chat with Dennis Scott from Humble Bee Builds. We chat about his creative process from design to install, the important role good mentors play in helping young people grow into successful craftsmen, and we dive into his new tiny home build and the unique features they have. Please enjoy our interview with Dennis! Connect with Humble Bee Builds! Website: https://humblebeebuilds.com/ Instagram: https://www.instagram.com/humblebeebuilds/ TikTok: https://www.tiktok.com/@humblebeebuilds Facebook: https://www.facebook.com/humblebeebuilds LinkTree: https://linktr.ee/humblebeebuilds Connect with us! Instagram: https://www.instagram.com/thebuildersessionspod/ Facebook: https://www.facebook.com/TheBuilderSessions Website: http://www.thebuildersessions.com Check out our YouTube Channel: https://youtube.com/@thebuildersessions Listen on Spotify: https://open.spotify.com/show/19deP6RTKq6d18FpgeOSsm?si=601a0bb544784f6f Become a Builder Sessions Insider! http://eepurl.com/h8bca1 Episode Music The Future Bass by EvgenyBardyuzha from Pixabay (Pixabay License Certificate): https://pixabay.com/music/future-bass-the-future-bass-15017/ Thank you for listening! Hopefully this episode inspired you to get off the couch and build something cool! - Hoff & Rosie --- Send in a voice message: https://podcasters.spotify.com/pod/show/thebuildersessions/message
A classic interview with the late great Ray Manzarek from The Doors, Stan discusses Haney's appointment along with his own medical issues (and many other things), Grab Bag, Local Beat, Roger's Entertainment Corner, attorney Anthony Melchiorre stops by for his weekly visit and free legal advice, News Headlines, Fluffer, your emails, a game of Stan's Name That Movie (campfire edition), News, Famous Band's Songs With Different Lead Singers Week continues, classic comedy, and more...
I denne episode diskuterer værterne Emil og Halfdan annoncering på Shopify-platformen. Emil arbejder i Drip og har erfaring med at annoncere på Shopify for at tiltrække Shopify-kunder. De udforsker, hvordan Shopify har udviklet sig til en vigtig annonceplatform.
This is a replay of an episode from 2021. I have been seeing a lot of people who are in need of redemption from choices they have made or from things that happened to them, but they feel unworthy of it. And that couldn't be further from the truth. Have you ever heard these myths about personal growth and redemption? Myth #1: Redemption is only for the deserving few. Myth #2: Redemption means erasing past mistakes. Myth #3: Personal growth is a solitary journey. In this episode, Judge Bell will dispel these myths and reveal the truth about the power of redemption in finding fulfillment and purpose. In this episode, you will be able to: Discover the inspiring personal and professional journey of Judge Bell that can ignite your own path of growth and redemption. Understand the emotional toll that divorce cases can have on individuals and how Judge Bell navigated through these challenges. Learn about the positive outcomes that Judge Bell's work has brought to the lives of those involved in the cases he presided over. Explore Judge Bell's involvement in a small group and how it played a transformative role in his personal growth and redemption. Delve into the concept of being a "Hope dealer" and its significance in finding fulfillment and purpose in life. My special guest is Judge Billy Bell. Judge Bell is a remarkable guest on today's episode of the Relentless Positivity podcast. With 12 years of experience as a circuit judge and 30 years as a lawyer, Judge Bell has seen and done it all. Growing up in a small, conservative community in Florence, Alabama, he had a sheltered upbringing that instilled strong values. However, his college years at Auburn University took him on a wild ride, exposing him to a whole new world. Despite his successful law practice, something was missing in Judge Bell's life. It was a life-changing event and a promise made during his grandson's health crisis that led him to find redemption and a deeper relationship with God. Judge Bell's journey of personal growth and redemption is inspiring, and his insights will undoubtedly resonate with those seeking fulfillment and purpose in their own lives. The key moments in this episode are:00:00:00 - Introduction and Dad Joke 00:00:52 - Growing Up in Florence, Alabama 00:02:02 - College Life at Auburn 00:03:06 - Relationship with His Father 00:05:08 - Finding God and Missing Piece in Life 00:15:53 - The Adverse Reality of Divorce 00:16:47 - Grateful Testimonials 00:20:21 - The Painful Contradictions 00:23:10 - Long-lasting Marriages and Unexpected Endings 00:25:03 - Retirement and Meaningful Pursuits 00:31:12 - Judge Bell's Style and "Drip" 00:31:33 - Apparel Lab Sponsor (Shout out to Apparel Lab for being one of our early sponsors. Awesome company!)00:32:07 - Being like Judge Bell 00:32:48 - Appreciation and Family 00:33:22 - Keeping in Touch --- Send in a voice message: https://podcasters.spotify.com/pod/show/relentlesspositivity/message
Drip from Your Lips. What imagery immeditely comes to mind? Could it be that Jesus would transition and transform what drips from ours? Pastor Andrew Heald explores. --- Send in a voice message: https://podcasters.spotify.com/pod/show/fairmount-friends-church/message
Rob Walling is an absolute legend in the bootstrapping and indie scene. He's a veteran entrepreneur with his most notable exit being Drip in 2016. Rob also founded MicroConf, started TinySeed and is the host of the Startups for the Rest of Us podcast, which has over 680 episodes having started in 2010. It doesn't stop there for Rob, he's also written 4 books, Start Small Stay Small, Start Marketing the Day You Start Coding, The Entrepreneurs Guide to Keeping Your Shit Together and most recently, The SaaS Playbook.Get the hour long episode here: https://indiebites.com/membershipTimestamps 00:00 Intro / Sponsor 02:03 Why Rob wouldn't do SaaS again 03:43 What would an alternative reality look like for Rob 05:46 Founder retreats 07:40 Building an audience first approach is dumb for SaaS 10:29 Building a network 12:38 Portfolio of projects 15:26 Recommendations Recommendations Book: Founding Sales, Deploy Empathy Podcast: Comic Lab Indie Hacker: Ruben Gamez Follow Rob Twitter Website My links Twitter Indie Bites Twitter Indie Bites YouTube Join the membership Personal Website 2 Hour Podcast Course PodPanda (hire me to edit your podcast) This Indie Life Podcast Sponsor - EmailOctopus
Enter Lauren Pestana, the Director of Brand Marketing at Drip, a rare company that prioritizes relationships over sales in the ecommerce world. In this episode, we'll delve into the power and secrets of marketing automation in building customer connections.
Andy details the show's objectives and then laughs about some topics of persistent frustration in her personal life. Don't worry, she's fine. **Listener discretion is advised. Not intended for all audiences. Includes potentially disturbing paranormal concepts. 18+**https://www.andyraymedium.com/TikTok: https://www.tiktok.com/@andyraymedium?lang=enInstagram: https://www.instagram.com/andyraymedium/?hl=enBook a Reading: https://www.andyraymedium.com/book-a-sessionAttend a Group Reading Event: https://www.andyraymedium.com/eventsClient Testimonials: https://www.andyraymedium.com/more-client-testimonialsAbout Andy Ray: https://www.andyraymedium.com/andy-rayDon't forget to leave nice comments and 5-star ratings on your podcast app or YouTube! Thank you!
A story of a man ready to face his fears. Written by Nina Schmidt You can read the original story and view the episode art at fullbodychillspodcast.com.Looking for more chills? Follow Full Body Chills on Instagram @fullbodychillspod. Full Body Chills is an audiochuck production. Instagram: @audiochuckTwitter: @audiochuckFacebook: /audiochuckllcTikTok: @audiochuck Brought to you by FX's American Horror Stories. Four Episode Huluween Event Streaming October 26th. Only on Hulu.
In the bustling world of specialty coffee, where the beans tell stories and the aromas transport you to distant lands, one brand has been quietly brewing a storm, not just in a cup, but in the entrepreneurial world as well. Welcome to the universe of Hydrangea Coffee, a small specialty coffee brand that has managed to blend the rich notes of passion, quality, and smart business into a delectable brew of success. A Sip into Billy's Journey Billy, the brain behind Hydrangea Coffee, didn't always tread the coffee beans' path. His journey, deeply rooted in the logical realms of software engineering, took a flavorful turn when his passion for roasting coffee beans began to simmer through his professional life. But what was it that percolated this shift from codes to coffee? Billy's first sip into the coffee world wasn't merely about the beverage; it was an exploration into the myriad profiles that each bean presented, a diversity that mirrored the various coding languages he worked with. His curiosity piqued, and what started as a side project to experiment with different coffee profiles, gradually brewed into a business that not only satisfied his creative palate but also carved a niche in the specialty coffee market. The Essence Behind the Name The name "Hydria," inspired by the ancient Greek vessel used for carrying water, symbolizes not just the fluidity and essence of coffee but also reflects Billy's journey of pouring his creativity and expertise into a vessel that carries the rich, bold, and unique profiles of his coffee to the world. Brewing Profit with Passion Hydrangea Coffee, while being a beacon of quality and uniqueness in the coffee world, is also a testament to how a side gig, when brewed with passion and smart financial planning, can pour out substantial revenue. With just 20 hours of work per week, Billy manages to steam up a whopping $15,000 in revenue, showcasing that when passion and profession blend, it results in a rich, rewarding brew. A Brand that Speaks Volumes with its Beans HydrangeaCoffee doesn't just stop at being a specialty brand; it echoes the philosophy that quality and uniqueness can be more than just a business model. For Billy and Hydrangea, these coffees are an interesting venture, a journey where each bean is curated, roasted, and presented not just as a beverage but as an experience to be savored, especially by those who have a palate for fine dining and high-end wines. A Future Steeped in Expansion and Connection While Hydrangea primarily sells through their website and a local café, utilizing a consignment model, the future holds plans of expanding their wholesale channels, reaching out to a larger volume of customers, and continuing to explore and present unique and funky coffees to the world. Billy believes in the potential that younger generations and cultures, which were not traditionally steeped in coffee-drinking, bring to the table. They are open, willing to pay for an experience, and appreciate the nuanced art of specialty coffee making. In a world where every sip tells a story, Hydrangea Coffee, and Billy have managed to create a narrative that goes beyond just a beverage. It's a tale of passion, smart entrepreneurship, and a belief that quality, when presented rightly, finds its connoisseurs. As Hydrangea looks towards the future, with plans to establish personal connections through trade shows and festivals, and enhance customer communication through newsletters and emails, one thing remains certain - every bean, every sip, and every customer will always be a cherished part of their journey.
Dan Martell is a serial entrepreneur, triathlete, investor, and author. He is the founder and CEO of SaaS Academy, the world's No. 1 coaching program for B2B SaaS founders. He coaches over 1000 SaaS founders, including clients like ClickFunnels, Proposify, and Carrot. His goal is to teach people how to build businesses that they don't grow to hate. Dan joined us today to talk about his Wall Street Journal bestseller, ‘Buy Back Your Time: Get Unstuck, Reclaim Your Freedom, and Build Your Empire.'Dan shares his transformative journey, from a troubled upbringing with addiction and incarceration, to becoming a successful entrepreneur and mentor.Dan dives into the importance of time and energy management, starting with a time and energy audit that helps clients identify tasks they enjoy, dislike, or can delegate. He highlights the impact of outsourcing and delegating tasks, even for entrepreneurs on a budget, and shares his own experiences and learnings along the way.Dan delves into the significance of having an executive assistant and the power of delegation in finding opportunities and growth. He encourages entrepreneurs to embrace the belief that someone else can run their company better and shares insights on leadership skills and building a strong team.Additionally, Dan explores the concept of buying back time and creating assets for long-term financial growth. He emphasizes the importance of leveraging resources and empowering employees to solve problems, all while reducing the need for excessive meetings.It's an episode jam-packed with valuable lessons and strategies to help you take your growth to the next level. Get ready for an episode that will leave you inspired and motivated. [07.04] Dan's story – Starting the conversation, Dan shares his life-changing experience in prison and defines the Get Sh!t Done mentality.[14.06] The three levels – The employee, the entrepreneur, and the empire builder—are the three levels of becoming a businessman.[20.01] Meetings – Dan explains why he thinks meetings are the biggest time waste for a company.[27.32] Pain line – We talk about the fear of handing over your company to another person.[33.21] 10-80-10 rule – Dan defines the 10-80-10 rule.[43.28] Drip matrix – Delegation, replacement, investment and production[48.32] Outsourcing - We talk about the three key components that people have to do in order to be successful at outsourcing that work.[57.58] Empowering frontline workers - If companies allowed the frontline workers to solve problems the best way they saw fit, they would grow fast.ResourcesConnect with DanLinkedIn - linkedin.com/in/dmartell/ Twitter - twitter.com/danmartell YouTube - youtube.com/channel/UCA-mWX9CvCTVFWRMb9bKc9w Website - danmartell.com/ Instagram - instagram.com/danmartell/ Book by DanBuy Back Your Time: Get Unstuck, Reclaim Your Freedom, and Build Your Empire
This week we're joined by friend of the show Kevin Fernandes who joins us to discuss all things Primeira Liga, with a particular focus on Sporting and their game against Arouca. As well as Estoril, Chaves, Braga, Rio Ave, Vitória, and more!Follow Kevin on Twitter here.Become a Long Ball Futebol Sócio here.
This week's episode is brought to you from the lovely and very gorgeous art deco city of Napier in New Zealand, where Liz and Bri are housesitting for five weeks in a rambling old villa perched high on a lofty hill. Ah...Life is perfect. Me and Bri, living like a Lord and Lady Muck in our ole kiwi manor house. What's not to love about that? Well...get yourself comfy, and we'll tell you... This Ole Kiwi House I don't know anyone who doesn't see a picture in a glossy house magazine of a rambling old villa and romanticize about living in it. I know I do. I see it all so perfectly. There's me, dressed in my floral frock, washing my dishes in the stone-fired, enamelled porcelain Belfast sink. Inhaling the wafts of wisteria that creep over the pretty glass paned windows... And there's Bri. Dripping snot from his left nostril. Show Notes and More at: https://itsadrama.com/what-a-drip Links mentioned in the show: If you want to join us in using the BEST travel hack in the world, use our exclusive discount code to get a WHOPPING 20% off TrustedHousesitting by Clicking here! Liz's latest book, THE TRAVEL BOG DIARIES
We are always looking for signs of domestic violence, but we hear them more often than we see them. Domestic violence doesn't always look like broken bones and bruises. I was living in domestic abuse and I didn't even know it. ~ Dr. Jennifer Gardella Do you know anyone who is experiencing domestic abuse? Are you sure? As Dr. Jennifer Gardella aptly notes, domestic abuse is not always visible. In fact, if we listen, we can “hear” domestic abuse more often than we can see it. Cutting through all areas of class, education or outward success, many women are experiencing domestic abuse, but because they don't have the physical bruises to show for it, they themselves don't always recognize that they are living with domestic violence. In her new book, Listen for the Whispers of Abuse, Dr. Gardella, herself a victim of domestic abuse, offers signs of abuse including: Feeling you are always “walking on eggshells” around your partner. Having no control over your money or your personal schedule. Not being allowed to make decisions. Being told you are “crazy” or being yelled at for somehow not measuring up to your partner's expectations. Here at Brilliantly Resilient, we know the importance of a tribe. If you suspect a loved one is experiencing domestic abuse, here are some of Dr. Gardella's suggestions to lend support to the victim: “If you hear any inkling of ‘I need to get out of here' start to talk to your loved one about safety planning.” “Let her know that wherever she is on her journey, you are a safe space and will support her no matter what.” “Reach out to other friends and ask ‘Are we all seeing this?'” “Drip information whenever you can.” Be sure to tune into this episode of The Brilliantly Resilient podcast, get Dr. Gardella's book, and call the National Domestic Violence Hotline at 800-799-7233 for more information. Let's be Brilliantly Resilient together! XO, Kristin & Mary Fran
I greet you in Jesus' precious name! It is Tuesday morning, the 3rd of October, 2023 and this is your friend, Angus Buchan, with a thought for today. We start in the Book of Ecclesiastes 11:4:“He who observes the wind will not sow, And he who regards the clouds will not reap.” What a very powerful scripture, not only for farmers but for every single one of us.I remember like it was yesterday, one of my sons came back from university for a ten-day break. He saw that his mom and dad were extremely tired and also pretty disillusioned. We were going through another drought and the maize plants were withering and dying. He said, “Mom, dad, go away and have a weekend away and I will look after the farm” - which he very kindly did. When we got back, he related this story to us. He said, “Early one morning, I went out in the pick-up and parked in the middle of the maize fields. The maize looked so sorry for itself and I cried to God, “Lord, please send rain. You know, Mom and Dad are totally dedicated to preaching the Gospel for You. Please help them.” Then he said big clouds came up, big, dark, black clouds. He was so excited; he knew they were full of rain, and as the clouds came over the farm - big drops of rain started falling on the totally dry maize plants. And then an east wind came up - can you believe it? - and it split the clouds into two, the one half of the storm went up into the mountains, the other half of the storm went into the valley, and the maize had no rain at all. He was devastated to say the least. He got into our pick-up and went back to the farm office where he was having his quiet time, and opened the Bible and right there, in front of him, was this scripture. “He who observes the wind will not sow, And he who regards the clouds will not reap.” Ecclesiastes 11:4He repented before the Lord and said, “Lord, I am so sorry. I am looking to my own means to try and save this crop, and with that, that evening, he went to sleep and in the middle of the night, he heard, “Drip - drop, drip, drip, drip…” on the tin roof. A gentle rain fell on the farm, and the maize crop was completely irrigated with gentle, soaking, continuous rain. Today, remember, the Lord has got your back. Just call on Him, spend time in prayer and He will undertake for you.Jesus bless you and have a lovely day,Goodbye.
Hey BillOReilly.com Premium and Concierge Members, welcome to the No Spin News for Wednesday, September 27, 2023. Stand Up for Your Country. Tonight's rundown: Talking Points Memo: Bill breaks down the latest regarding the Hunter Biden scandal. The latest on Donald Trump. Repubican presidential candidate Larry Elder joins the No Spin News. New video shows police trying to stop orchestrated looting in Philadelphia. This Day in History: The Warren Commission Report Final Thought: Tucker Carlson on X interview In Case You Missed It: Read Bill's latest column, "Leave it to Kamala." Get tickets to Bill and Sid Rosenberg's live show this October: "A New York State of Mind" at The Paramount in Huntington, NY. They are on sale NOW! Fall Madness is here! Go to BillOReilly.com to take advantage of the latest deal, including Killing the Killers, Killing the Legends, and mug, all for $42.95. Learn more about your ad choices. Visit megaphone.fm/adchoices
Into/Outro- Furious: Sinyells Contact us on email@example.comFollow us on instagram! @theborderprincespodcastAnd join our facebook group https://www.facebook.com/groups/6374647945878951/Buy our Merch at https://my-store-c45ee1.creator-spring.com/Please Donate at https://ko-fi.com/theborderprincespodcast
Episode 262ALTERNATE TITLES: It's Going To Be A Good One, What Is Drip, Drip, Dry Spell Drip, Duty As A Man, Pre-mature Ejaculation, Amazing Transformations, How To Trick Women Into Your Bed?, Toxic Friendships, Counting Farts, Me Neither…Asking For A Friend, (00:29) Welcome.(6:05) Anal Leakage.(11:30) Amazing transformations.(15:16) Premature Ejaculation.(34:10) How to trick a woman into […]
Hey y'all! Join us as we discuss the My Hero Academia episode "Rescue Exercises", including why Izuku is NOT goated with the sauce, a Science Corner about Nagamasa Mora's Quirk Extend-o-Hair, and a very long rant from Fern about how we're all horrible at reading body language. You can find spoilers and TWs on our website, myheroanalysis.com. Thanks for listening!
Today I want to share an interesting tip to get rid of mucus in the sinuses. This remedy may be beneficial if you're experiencing: • Postnasal drip • Chronic rhinitis or sinusitis • Sinus pressure • Sinus headaches or cluster headaches • Sinus allergies Common treatments for nasal congestion are steroids, medications, or even surgery. But, these options can have side effects or complications. One of the best natural remedies for mucus in the sinuses is hot peppers. You can consume hot peppers or use a nasal spray containing hot pepper. This is very different from pepper spray—we're talking about a very diluted solution. Instead of suppressing mucus, the phytonutrient in hot peppers may help drain mucus from the sinuses and reduce nasal hyperactivity. It can potentially help open the sinuses, drain the sinuses, and desensitize the mucus membranes in the sinuses. It's also antimicrobial. Try consuming cottage cheese to help neutralize the effects of consuming hot peppers if needed. DATA: https://pubmed.ncbi.nlm.nih.gov/24139494/
How is Colleen feeling about not doing Project Down & Dirty this year? Jason and Colleen do a practice round of workplace trivia, BOOB TUBE BONANZA: Holly watched "Suits" -- why is it the biggest show of the summer? AND JUST SAYIN': Can we have a line at the coffee shop for just the drip? Learn more about your ad choices. Visit megaphone.fm/adchoices
You can watch all of The Herbalist Hour interviews on HerbRally's YouTube channel. VIEW THE PLAYLIST This episode of The Herbalist Hour is a super special one! On our way back from a wedding, we were able to swing through Seattle and hang out with rapper Torin Frost. For those of you that don't know, Torin is the creator of The Herbalist Hour theme song. He did an incredible job with it, so I asked him some questions about his inspiration for the song. We also talk a lot about his debut mixtape that just dropped called "The Drip of the Iceberg". LISTEN ON SPOTIFY Later in the conversation Torin starts freestyle rapping about a few of our favorite plant allies! He's an incredibly talented artist, a super funny guy, and a humble and kind soul doing great work in this world. I hope you enjoy the conversation as much as I did, and please go give his mixtape a listen if you're a hip hop head like me. Until the next episode, ~Mason PS - You can also watch this interview on our YouTube channel. LINKS & RESOURCES WEBSITE COMING SOON | TorinFrost.com Torin on Instagram | @torinfrost Torin on Spotify | LISTEN Drip of the Iceberg on Bandcamp | LISTEN Earth and Spirit Botanicals | LEARN MORE Rose Unfolding | LEARN MORE A huge thank you to our presenting sponsor for The Herbalist Hour, Oshala Farm. Oshala Farm is a beautiful and vibrant certified organic herb farm based in southern Oregon where they grow and sell over 80 different plant species. LEARN MORE AND BUY | OshalaFarm.com
At the age of 41, Rob Walling sold Drip, an email marketing software for enough money that he "would never have to work again". His only problem? Figuring out what to do next. In this special edition of Built to Sell Radio, we explore how to re-define your purpose and find happiness and fulfillment after you exit your business
Do you hate hidden hotel, housing, airline, ticketing, banking, and other corporate fees? Do you want Congress to do something about them? In this episode, learn about the wide range of unreasonable fees being reported to Congress during hearings and examine what proposals could have bipartisan support. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FTC Authority Ronald Mann. Apr 23, 2021. SCOTUSblog. Supreme Court of the United States. April 22, 2021. Junk Fee Overview Ashish A. Pradhan. May 19, 2023. The National Law Review. Will Kenton. January 24, 2023. Investopedia. Brian Deese et al. October 26, 2022. White House Briefing Room Blog. October 20, 2022. Federal Trade Commission. Brian Canfield et al. July 7, 2021. Institute for Policy Integrity, NYU School of Law. Internet *Federal Communications Commission Healthcare August 8, 2022. Federal Trade Commission. Banking/Payments Lindsey D. Johnson. July 26, 2023. Consumer Bankers Association. July 11, 2023. Consumer Financial Protection Bureau Newsroom. Offices of Consumer Populations and Markets. May 23, 2023. Consumer Financial Protection Bureau. October 26, 2022. Consumer Financial Protection Bureau Newsroom. September 28, 2022. Consumer Financial Protection Bureau Newsroom. August 16, 2022. Pennsylvania Office of Attorney General. August 16, 2022. U.S. District Court for the Eastern District of Pennsylvania. Joe Valenti. March 30, 2022. * Consumer Financial Protection Bureau Blog. January 26, 2022. Consumer Financial Protection Bureau Newsroom. December 7, 2020. Consumer Financial Protection Bureau Newsroom. December 28, 2018. Pennsylvania Office of Attorney General. Housing July 19, 2023. White House Briefing Room. March 14, 2023. National Consumer Law Center. Jennifer Ludden. January 13, 2023. WBUR. Airlines Reid Bramblett. Frommer's. Suzanne Rowan Kelleher. Mar 7, 2023. Forbes. U.S. Department of Transportation. U.S. Department of Transportation. December 13, 2022. U.S. Department of Transportation. November 2022. Statista. Rosie Spinks. June 1, 2018. Quartz. May 2011. Jones Day. Hotels November 17, 2021. Pennsylvania Office of Attorney General. Christina Jelski. Mar 12, 2021. Travel Weekly. November 28, 2012. The Federal Trade Commission. Ticketing June 20, 2018. U.S. House of Representatives. Anne Bucher. June 13, 2018. Top Class Actions. “Susan Wang and Rene' Lee v. StubHub, Inc. Case” [No. CGC-18-564120]. The Superior Court of the State of California, County of San Francisco. Cars June 23, 2022. Federal Trade Commission. Laws Bills Audio Sources July 26, 2023 Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Financial Institutions and Consumer Protection Witnesses: Attorney General, Commonwealth of Pennsylvania Director of Housing Advocacy, Atlanta Legal Aid Society Manager Director, Patomak Global Partners Clips Michelle Henry: In the consumer finance space, we recently filed a multi-state lawsuit against Mariner Finance, a Wall Street private equity-owned installment lender. Our lawsuit alleges that Mariner charged consumers junk fees for hidden add-on products that consumers either did not know about or did not agree to buy. These hidden add-on products, such as credit insurance and auto clubs, are typically low- or no-value products. Consumers left Mariner believing that they had entered into an agreement to borrow and repay over time a certain amount of money. In reality, because of these hidden junk fees, Mariner added hundreds to thousands of dollars to the total amount a consumer owed. The cost of the junk fees is staggering. For a random sample of loans originated in Pennsylvania in December of 2020, Mariner charged each consumer an average of $1,085 in junk fees for an average of $3,394 in cash borrowed. Michelle Henry: We also had a significant junk fee settlement in 2018 with Wells Fargo. This settlement stemmed from Wells charging its auto finance customers millions in junk fees. Despite evidence that many customers already had the required car insurance, Wells improperly charged more than 2 million accounts for force-placed insurance. To resolve the multi-state action, Wells agreed to pay states $575 million. Michelle Henry: In 2021, we announced the landmark junk fee settlement with Marriott International. For many years, travelers had been misled by the published rates offered by hotels for a night stay, only later to be hit with the mandatory resort fees when they were checking in. Thanks to our settlement, Marriott now has a policy in place to be upfront and transparent in the disclosure of mandatory fees, including resort fees, as part of the total price of a hotel stay, allowing consumers to compare total costs for hotels and find the one that is the best fit for them. Marriott was the first hotel chain to formally commit to the upfront disclosure of resort fees as part of the initial advertised price. We hope others will follow. Michelle Henry: In the end, what we are fighting here for is basic fairness and transparency. When consumers are shopping online or in person, they deserve to understand what a loan, a house, or a vacation will cost and exactly what key terms they're agreeing to. At the same time, all businesses deserve to compete on an even playing field, where the price is the price with no hidden surprise fees. Lindsey Siegel: My name is Lindsay Siegel and I'm the Director of Housing Advocacy at Atlanta Legal Aid, which provides free civil legal services to families with low incomes in the metro Atlanta area. Today, I will focus on the rental housing market and how predatory and hidden rental fees gouge families living in poverty and make their rent even more unaffordable than it already is. Miss Dixon is a single mother who found an online listing for an apartment in the fall of 2020. The advertisement said it rented for $1,400 per month. It did not list any other monthly fees she would be required to pay. She applied and paid $525 through the landlord's online portal, which covered her $50 application fee, a $175 moving fee, and a $300 screening fee, all of which were non-refundable. She was not able to see the lease or the apartment she'd be renting, but she knew if she did not pay sight unseen she would lose the apartment. And when her application was approved a few weeks later, the landlord charged her another $200 approval fee. She finally received and signed a copy of her lease just two days before she was slated to move in. It was 50 pages long and contained to eight different addenda. She had expected to pay her rent and for water. She didn't expect to be responsible for a package locker fee, a trash removal fee, a separate valet trash fee, a pest control fee, a technology package fee, an insurance fee, and a credit reporting fee. When the fees added up, $83 had been tacked on to her monthly rent. And to make matters worse, Miss Dixon's landlord did not accept the rent by cash, check, or money order. When she paid through the landlord's online portal she was charged another $72-per-payment convenience fee. The low income renters Atlanta Legal Aid represents have an extreme power imbalance with their landlords. The high demand for rental housing, especially at the more affordable end of the market, makes some landlords believe they can easily get away with unfair and deceptive lease terms and rental practices. The bait and switch Miss Dixon experienced where the landlord advertise the rent as one price only to raise it much higher with junk fees after she had spent hundreds of dollars up front is a far too common practice of many investor landlords in the Atlanta area. Low income renters like Miss Dixon become trapped. She couldn't afford to walk away from a predatory lease two days before she was supposed to move in, even if she realized it would be unaffordable. Of particular concern are the use of high application fees. They often far exceed the cost of running a report, and most renters have to pay them several times before finding a home to rent. We've heard reports that some institutional landlords even collect application fees after they've found a renter for an available home. Brian Johnson: The focus of the President's initiative has been on applying political pressure to companies to induce them to change their fee disclosure practices. In the process, the White House and supporting agencies have dismissed broad categories of fees as junk without ever providing any consistent definition of the term, which has created uncertainty as to which fees can be assessed by institutions without undue reputational or regulatory risk. Brian Johnson: The CFPB has been the most enthusiastic among regulators in heeding the President's call, indiscriminately attacking a growing list of common financial service fees, no matter that they are lawful and fully disclosed. Brian Johnson: The agency has publicly hectored companies about deposit account fees and used the implied threat of investigation to induce such companies to abandon these legal fees. Further, in addressing other fees, the CFPB appears appears to have violated its own regulations and laws governing how agencies proffer rules by disguising interpretive rules as policy statements in bulletins and issuing circulars that function as legislative rules. In another instance, under the guise of interpretation, the CFPB read a word into a statute to achieve its desired policy outcome. In still another, the agency treats the rulemaking process as a foregone conclusion, acting as though a still proposed rule has already taken effect, signaling that the agency has no interest in considering public comments, establishing an adequate evidentiary basis to support its conclusions, or considering potential changes to improve the rule. These examples demonstrate an abuse of power and the agency's disregard for process and the limits placed on it. Moreover, the CFPB's behavior subverts the authority of Congress to oversee the agency and legislate the legality of fees in our financial marketplace. Simply put, it's not playing by the rules. Lindsey Siegel: So I think the federal government does have a role to play. The CFPB could create best practices, investigate junk fees further -- especially those being charged for tenant screening reports -- could bring enforcement actions against debt collectors that engage in collection practices that violate the Fair Debt Collection Practices Act in their collection of rental debt especially includes collection of junk fees. And certainly, you know, HUD could further study and address the disproportionate impact of these practices on renters and rental applicants of color. Lindsey Siegel: Tenants living in Atlanta have a very hard time finding a rental, finding a home, that's not owned by a corporate landlord at this point. They have bought up many properties in the Atlanta area and they always seem to be working in lockstep so that once one institutional landlord is charging a certain kind of fee then another one tends to charge it as well. Just one example of this is the proliferation of landlords charging for insurance fees, and often tenants will think that these are renters insurance because they're often called renter's insurance. But it's not like traditional renter's insurance that protects the renter and their property if it's destroyed. What it does is protect the landlord and doesn't really provide a benefit to tenants at all. And we've seen that proliferate with investor landlords in particular. Sen. Thom Tillis (R-NC): I can't imagine any reasonable member of Congress not saying, "I want the person to know what their financial obligation is when they sign an instrument, not after they read page 10 in the fine print." Sen. Thom Tillis (R-NC): I'm less caught up in whether or not a trash collection fee is appropriate or not, and more caught up in, does that renter know at the point in time they're signing a lease what they're expected to pay every month? Michelle Henry: We often see things bleed over state lines and boundaries, as you are well aware, and so it's important that we work together to enforce these matters. Sen. Raphael Warnock (D-GA): How often do these kinds of cases cross state lines? And would having federal standards against these types of hidden fees make these cases easier to bring? Michelle Henry: Almost always. And I think that's critical. Where we have been most successful is joining with our fellow states, other attorneys general, partnering with them, and including the CFPB. In December of 2020, the CFPB, with all 50 states and the District of Columbia, filed enforcement action against Nationstar mortgage, again for deceptive practices, for not being transparent when they were servicing borrowers mortgages, and as a result of that joint effort we were able to obtain a settlement of $73 million and brought aid to 40,000 borrowers. Michelle Henry: You know, the reality is a lot of times consumers get misled. So they start, they're looking on the internet, they're trying to do due diligence and look for the best price, whether it's for a hotel, a vacation, and they're in there examining it, and they get led to a certain area of a certain website thinking that's the best price. And they go down this rabbit hole where they have no idea at the end of it that the price they thought they were going to pay for a hotel stay with their family is actually far larger because of fees that they weren't prepared, were not properly advised of, and at that point, they're so far in or they never discover it. So no, I don't think they understand exactly what to be aware of. We're trying to do our best to educate but far more work needs to be done, and I applaud this committee for working on it. Sen. Raphael Warnock (D-GA): If more federal agencies had the authority to address these hidden fees, how would that affect your office's capacity? Michelle Henry: It would help tremendously. Sen. Raphael Warnock (D-GA): Thank you so very much. Michelle Henry: If history is any lesson, we know that they can't be trusted to act in the best interest of consumers on their own. Look, they're in the business of making money for their shareholders and we need robust consumer protection rules and enforcement to ensure that. Sen. Thom Tillis (R-NC): So what we're talking about here is not the "what," it's the "how." And I for one do not think that the regulator's who have demonstrated pushing the boundaries of their authority, giving them more authority is a good idea if we're coming up with a real bipartisan sustainable solution. Sen. Thom Tillis (R-NC): The problem we have here too, when we transfer power out of Congress to another branch, yes, that changes every four years or so. So you may be thrilled with a regulatory regimen that comes out from the CFBP today, but because of the way they behaved, it'd be one of the first things I would work to repeal if the administration changed and withdraw it. Sen. Thom Tillis (R-NC): I'd like to submit for the record a letter from the Consumer Bankers Association on the subject. Sen. Thom Tillis (R-NC): Mr. Johnson, can you talk about the effect of the method that the CFPB is using to go after this and the impact that it can have, the negative implications that has? Is the CFPB's tendency to name and shame business institutions to avoid certain practices or adopt new ones effective regulation? They're not really thinking through the full impact and all the potential unintended consequences. Can you think of any example under this current leadership of the CFPB where they have taken that into consideration? Can you speak a little bit about the efforts and the length the CFPB goes in an effort to avoid judicial review and skirt the APA process? June 8, 2023 Senate Committee on Commerce, Science, and Transportation: Subcommittee on Consumer Protection, Product Safety, and Data Security Witnesses: Chief Executive Officer, National Consumers League Bruce Greenwald Professor of Business, Marketing Division, Columbia Business School George Mason University Foundation Professor of Law, Antonin Scalia School of Law, George Mason University Clips 21:35 Sen. John Hickenlooper (D-CO): Simply put, these are fees that are disclosed to a consumer midway through or at the end of a transaction, or they're fees that serve no tangible purpose for a consumer, like a processing fee, and that they are mandatory or unavoidable. 28:00 Sen. Marsha Blackburn (R-TN): The way I look at this issue, and the way many Tennesseans look at it, is this is another way for the FTC, the CFPB, DoT, and all these regulators to clamp down on businesses and try to micro manage businesses. 30:42 Dr. Vicki Morwitz: as a strategy where firms decide to divide a product's price into two or more mandatory parts, a base price for the main product and one or more mandatory surcharges, rather than charging a single all-inclusive price. For example, many hotels have a mandatory fee on top of the daily room rate. These are sometimes called resort fees, or facility fees, or destination fees and can range from $20 to over $50 a night. And many rental car agencies assess several mandatory fees on top of the daily rental rate, such as concession recovery fees, customer facility fees, energy recovery fees, and vehicle licensing fees. 31:20 Dr. Vicki Morwitz: In general, what research on partition pricing has shown is that when firms separate out mandatory surcharges consumers tend to underestimate the total price they'll have to pay and they're often more likely to complete the purchase. 31:50 Dr. Vicki Morwitz: With drip pricing, firms advertise only part of our products' price upfront and reveal other charges later, as shoppers go through the buying process. Drip fees can be mandatory or can be for optional items, but for today's testimony I'll focus on the dripping of mandatory surcharges. Drip pricing is commonly used in industries like the cable TV and the ticketing industries. When a consumer shops for a TV-Internet bundle from a cable television provider, they may first see an attractive base price offer for the bundle, but later learn there are also broadcast TV fees, set top box fees, regional sports fees, and TV connection fees that raise the price considerably. And a consumer shopping for a ticket for a live event, like a concert, a play, or a baseball game, typically first sees the price for different seats in the venue. After selecting a seat, as the consumer clicks through more webpages, they may come to learn there's also a mandatory booking fee, ticketing fee, venue fee, and delivery fee, even when the tickets are delivered electronically. Eventually, they see a total price that may be much higher than the first price they saw and they may be under time pressure to complete the purchase, as there might be a countdown clock that indicates they have to complete their purchase in just a few minutes. Or they may be told there's only two seats left at that price. 33:00 Dr. Vicki Morwitz: What research has shown is that when surcharges are dripped, consumers end up being more likely to buy a product that appears cheaper upfront based only on the base price, but that's more expensive and total given the drip fees. Consumers also tend to buy more expensive products than they otherwise would, such as a seat closer to the stage for a live event. 35:00 Dr. Vicki Morwitz: These policies will benefit consumers if they require that upfront stated prices must be all-inclusive. In other words, all mandatory fees must be included in the total price and that the total price should be seen upfront. This is what academic research suggests will be most beneficial to consumers. 39:20 Dr. Todd Zywicki: Everybody knows bags fly free on Southwest, everybody knows bags don't fly free on the legacy airlines, everybody knows there's going to be a fee for for bags on the other airlines and the like. Maybe there's ways you can disclose it, but nobody's fooled at this point. 42:45 Sally Greenberg: If consumers hate junk fees so much, why do companies large and small increasingly impose them? The answer is, unsurprisingly, because they are a substantial profit center. 43:20 Sally Greenberg: Late payment fees charged by banks and credit cards cost American families an estimated $12 billion annually. These fees, which can be as much as $41 for each Late Fee Payment, far exceed the cost to the issuer for processing and do little to deter future delinquent payments. 43:40 Sally Greenberg: Airlines are also poster children for junk fees. Globally, revenue from junk fees, ancillary fees in airline speak, brought in $102.8 billion in 2022. To put this in perspective, junk fees last year made up 15% of global airline revenues, compared to 6% only 10 years ago. 44:00 Sally Greenberg: Anyone who buys tickets to a concert or sporting event is well acquainted with the myriad fees. They're added at the end of the ticket buying process. We have the example that you showed, Senator Hickenlooper. Primary and secondary market ticketing companies charge service fees, order processing fees, delivery fees and other charges that increased ticket prices on average 27% for the primary market and 31% for the secondary market. 45:05 Sally Greenberg: Junk fees themselves are anti-competitive. They make comparing prices more difficult, distorting well functioning marketplaces. Honest entrepreneurs who invest in their businesses, innovate, and strive to create better value for their customers lose business. Action to address the consumer and competitive harm created by junk fees is urgently needed. 45:30 Sally Greenberg: First, we would urge you to support S. 916. It's the Junk Fee Prevention Act, which would require some of the worst abusers of junk fees to display the full price of services upfront, and they would bar excessive fees and ensure transparency. Second, we ask that Congress restore the FTC's ability to obtain strong financial penalties from wrongdoers. The Supreme Court, in 2021, overturned AMG Capital Management v. FTC, wiping out a critical enforcement tool for the commission. S. 4145, which is the Consumer Protection Remedies Act, would restore that ability to impose monetary relief to the commission. And finally, Congress must not allow businesses that trap consumers with unfair and deceptive fees to escape accountability through fine print in their contracts. To that end, we're proud to support S. 1376, the Forced Arbitration Injustice Repeal Act, which would prohibit pre-dispute arbitration agreements from being enforceable if they require arbitration in employment, consumer, antitrust, or civil rights disputes 44:35 Sally Greenberg: Renters, for example, tend to have lower incomes than those who own their homes. These consumers are also some of the most preyed upon by abusive junk fees. A 2022 survey conducted by Consumer and Housing Advocates found that 89% of landlords imposed some rental application fees[[ clare, 8/7/2023 2:09 PM couldn't find this specific survey]], nearly as many renters paid excessive late fees and they also get hit with utility, administrative, convenience, insurance, and notice fees. 51:30 Sen. Marsha Blackburn (R-TN): I'm not hearing from Tennesseans about junk fees. They're just not talking about. They are talking about real economic harm. And I think for some it's been kind of perplexing that we would focus on this issue. I even had one Tennessean say, "Well, what exactly is a junk fee? And what are the economic harms that come to people for fees for discretionary services?" 53:20 Dr. Todd Zywicki: I can't see any reason why people who pay their credit cards on time should have to subsidize people who pay their credit cards late. The evidence is clear on this from the that if you reduce late fees, more people pay late. The makes clear that if you reduce late fees, everybody ends up paying higher interest rates and, and lower income and higher risk borrowers get less access to credit. So most of what we see in the market is efficient. It prevents cross consumer subsidies and a lot of these things that are labeled as junk fees are actually just efficient multi-part pricing. 1:00:30 Dr. Vicki Morwitz: When a larger firm, or really any firm, uses hidden fees or surcharges, it doesn't only hurt consumers, but it hurts well intentioned, honest competitors like many of our country's small businesses that you're talking about. So when a larger firm makes salient a lower base price and only puts in small print or only reveals at the end of the shopping process that there are additional mandatory fees, their product offerings may appear, at least at first, to be cheaper than those of say a small business, an honest competitor who uses all inclusive prices, whose prices at least at first then, will appear more expensive, even if they're actually cheaper in total when the hidden fees of the large firm are added in. Now, research shows this is going to lead consumers to be more likely to even first consider the products and services of the larger firm who uses hidden surcharges because their products seem cheaper. In other words, their supposed low prices draw consumers in. But then having first consider their products consumers will also be more likely to stick with that firm and ultimately purchase their products, even when they're more expensive in total with the fees. So these hidden fees, they don't only hurt consumers by leading them to make purchases that are against their own self interest, but it also hurts honest competitors who are using transparent pricing practices. 1:04:10 Sen. Amy Klobuchar (D-MN): One area of this high excessive fees is ticketing. We had the hearing earlier this year with the president of Live Nation/ Ticketmaster, and other witnesses and as you are aware, the facts are quite startling. It's being reviewed by the Justice Department, including 90% monopoly on ticketing for major NFL, NHL events, 80% for major arena events, and 70% monopoly when it comes to all ticketing. In addition to that, Ticketmaster now owns a number of venues and also locks in a number of other venues that they don't own with their services for in excess of seven years, which is a subject of a bill that Senator Blumenthal and I have introduced, because this locking in makes for even less competition. And then finally, Live Nation promotes the act. So it's like a three cornered monopoly. 1:12:30 Sally Greenberg: Yes, you may know that you have a baggage fee, but there are many people who are older, who have disabilities, who may have children with them; they cannot be carrying their bags onto the airplane. So they are forced to eat the cost of a $35 fee, something that used to be free before, and has jammed our airplanes full of luggage up top, creating hazards for flight attendants as well. 1:13:55 Sally Greenberg: We certainly support the Good Jobs for Airports Act. I think many consumers had no idea that a lot of these workers were not making minimum wage[[ clare, 8/7/2023 2:08 PM couldn't find a source for this.]], were relying on tips. And many people who use the wheelchairs and the curbside baggage services did not know that people were living on tip wages and many people don't tip, as some of us who've been tipped workers know. Tipping is very up and down and certainly not a reliable source of income. So yes, we very much appreciate that legislation and it's long overdue. 1:21:20 Dr. Todd Zywicki: Junk fees is a meaningless term, but it's worse than meaningless. It's actually pernicious, which is that by sort of using this blanket conclusory label, it obscures the complexity of this, the difference between trip pricing, risk based pricing, multipart pricing, partition pricing, and that sort of thing, and it kind of sweeps into one bucket things that are legitimate, things that are aren't, things that might be partially legitimate. And now it's even got more confusing because if you look at the FTC rule, for example, on auto dealers, they take things like nitrogen filled tires, they charge more money for a claim that's a junk fee. The problem with that is not that it's a separate price for nitrogen filled tires. The problem, if there's a problem, is that nitrogen filled tires are garbage, right? There's nothing there. It doesn't matter whether it's disclosed separately or bundled in the price if it's a worthless product. And so when we talk about junk fees, we can end up confusing ourselves, lumping in things because we want to just apply this label to it, whereas I think it'd be much better to understand risk based pricing. What are things where they're pricing for something that you get no value from? What are the things where they're pricing things simply to extract wealth from consumers and the like? Executive Producer Recommended Sources Music by Editing Production Assistance
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