Podcasts about dsg

In the first episode of The Progressive Firm Podcast, Laura Leslie of DSG and Scott Heath of DJH pull back the curtain on their growth journeys, looking at how such an idea is born and subsequently implemented.

What happens when wholesale distribution meets a shifting global economy, AI-driven technology, and a full-court press on organic growth? In this extended episode of Around the Horn in Wholesale Distribution, co-hosts Kevin Brown and Tom Burton are joined by industry leader Paul Kennedy, President & CEO of DSG and Chair of NAED. Together, they dive into the economic, geopolitical, and operational dynamics shaking up manufacturing and distribution in 2024.

In this week's episode, Tracy chats with Percy Hoff, Diesel Injection Technician and Owner of DSG Power Systems, about the critical role diesel fuel additives play in maintaining the performance and longevity of diesel engines—especially on the farm. Percy brings decades of expertise and a deep passion for diesel technology, and in this conversation, he breaks down what farmers really need to know to protect their engines and avoid costly repairs.

In this episode of The Dive, Driven by Kia, Azael, Kobe, and Meteos break down how Season 2 updates are reshaping pro play—from bold new champion picks to evolving jungle strategies and shifting priority around objectives. The crew also recaps last week's key matchups and dives into Meteos's unshakable belief in C9.There are still tickets available for Sunday's Spirit Blossom festivities at the Riot Games Arena for LTA! Get your tickets here! https://www.tixr.com/groups/ltanorthTimestamps:0:00 Intro1:56 Season 2 Pro Play Reactions8:55 FLY vs SR31:52 DSG vs TL48:43 100T vs DIG1:08:50 LYON vs C91:22:56 In Game Quests

Check Out PrizePicks! - https://prizepicks.onelink.me/ivHR/TRAVISTake a look at NZXT! - https://nzxt.co/travis ( Use code: travis5 )Follow Travis on Twitch: http://twitch.tv/travisgaffordSupport: https://linktr.ee/tgisupport00:00:00 Intro 00:23:32 Zemelci's take: C9 has the lowest potential of the top 4 teams00:49:25 Saiyamin's take: DSG isn't horrible, but needs to swap out Abbedagge01:05:15 NZXT break!01:28:05 Jamada's take: the LPL is the most contested at the top as it's been in years01:48:00 PrizePicks break!01:50:55 rawnblade's take: Split 1 2026 should have international guest slots02:07:20 Outro

ING Sector Banker Dirk Mulder in gesprek met Roel Laban, Programma Manager Duurzaamheid bij DSG. Samen met klanten, leveranciers en partners wil DSG de transitie naar een duurzame en circulaire bouwsector helpen versnellen. Benieuwd hoe? Luister dan deze podcast. Rondom duurzaam assortiment is DSG inmiddels een heel gaaf collectief gestart binnen de sector. DSG heeft daar een grote rol in gespeeld: Sustainabuild Collective.

ING Sector Banker Dirk Mulder in gesprek met Roel Laban, Programma Manager Duurzaamheid bij DSG. Samen met klanten, leveranciers en partners wil DSG de transitie naar een duurzame en circulaire bouwsector helpen versnellen. Benieuwd hoe? Luister dan deze podcast.

In this episode of The Dive, Driven by Kia, the hosts discuss Meteos' lead in fantasy rankings and break down recent patch notes, including champion viability and itemization. They explore team dynamics, the importance of communication, and how small mistakes can have a big impact on game outcomes. Lastly, they preview the upcoming super week and what's to come!Timestamps:0:00 Intro & Fantasy3:06 FLY 6-man roster updates from Bwipo21:47 Patch 25.08 notes39:24 FLY vs 100T review49:32 TL & LYON review56:24 SR review1:08:02 DSG & C9 review1:13:14 Promotion Relegation & Near Airport1:18:39 Dignitas review

This week on The Dive, Driven by Kia, the gang breaks down Week 1 of the LTA North! LYON and FLY end the week undefeated, while TL looks to add a substitute jungler to their roster. FlyQuest is also exploring the option of becoming a six-man squad. Lastly, we look ahead to the upcoming Dive Match of the Week: FLY vs 100T. Don't miss it!If you haven't joined The Dive's Fantasy league let, what are you waiting for? Click here: https://ltafantasy.com/en/login?redirect=%2Fen%2FloginTimestamps:0:00 Intro and LTA Fantasy updates4:00 Team Liquid 6 man roster & tryouts12:40 Bwipo split 3 sub?17:08 FlyQuest fearless draft28:02 LTAN Week 1 recap - FLY32:43 DSG recap38:07 LYON recap44:48 100T recap48:14 TL recap58:27 C9 recap1:05:57 SR recap1:16:07 DIG recap1:20:37 “THE DIVE MATCHUP OF THE WEEK” - FLY vs 100T

Hello and welcome back to another episode of The Dive, Driven by Kia. In this episode the guys catch up on Azael's Riot Rumble experience and Kobe's new ink before diving into the biggest changes in Patch 25.7 — including Naafiri's rise, Trundle and Yorick buffs, and key item updates. Then it's all about the upcoming LTA North matches with previews for TL vs FLY, SR vs DIG, 100T vs C9, and more. Plus, a quick look at the latest in LTA Fantasy before wrapping it all up.If you'd like to join The Dive's Fantasy league, click here: https://ltafantasy.com/leagues/the-dive-league-csza1g5ykn?sid=RVz8ky————LTA Fantasy is live now on LTAfantasy.com! Sign up using your Riot login to compete. We are setting up a dive league, and will have the link to join in the description down below if you want to compete against Azael, Kobe, Meteos & other Dive fans. This Split is an open beta, so let the LTA know your thoughts on it!Timestamps0:00 Intro & quick updates4:55 Azael playing Riot Rumble9:00 Kobe's new tattoo16:14 Patch 25.7 - Naafiri OP27:22 Trundle buffs33:45 Yorick changes37:24 Item changes44:39 TL vs FLY preview1:06:10 SR vs DIG preview1:13:43 100T vs C9 preview1:21:30 LYON vs DSG preview1:29:13 LTA Fantasy update

El Audi TT es un caso de éxito. Más allá de sus ventas, más allá sus resultados deportivos, el TT colaboró decisivamente a que Audi ofreciese algo de lo que carecía hasta la llegada de este coche en 1998. Esto no lo digo yo: Lo dijo en su momento el diseñador jefe de Audi, Peter Schreyer. Os aseguro que pocos coches conozco tan bien como el TT en todas sus generaciones. Vi en directo debutar el prototipo en el Salón de Fráncfort de 1995, fui a su presentación internacional, lo probé a fondo… y acabé siendo propietario de uno de ellos, nada menos que un TTS. Y en 2019 Abraham Schot, nombrado con urgencia en 2018 anunció que Audi dejaría de fabricar el TT para, literalmente, “ser reemplazado por un coche eléctrico”. Para mi uno más de los errores del Grupo VAG. Este TT ha sido víctima de la electrificación, como tantos otros buenos coches. Y por eso, desde ya, os anunció que haremos un video que se titulara así: “Modelos víctimas de la electrificación”. Ya estamos trabajando en ello y el TT ocupará un lugar importante en ese video. A mediados de los 90, Audi ya hacia muy buenos coches. Su gama se estructuraba básicamente en los 80 y 100, coches excelentes, pero poco emocionantes. BMW ofrecía coches con marcado acento deportivo mientras que Mercedes era la marca Premium por excelencia… Lexus acababa de nacer y nadie esperaba lo que paso después. En ese panorama los Audi eran coches que convencían, pero no enamoraban. Y la marca quiso cambiar eso. Primero lanzó en 1994 el A8, un verdadero cochazo con su carrocería de aluminio y que marcaba en nuevo rumbo en cuanto a denominaciones: El 80 sería A4 y el 100 seria A6. Ya tenían una berlina de lujo, pero paralelamente estaban trabajando en un coche deportivo que rejuveneciese a la marca y que transmitiese emoción a ese modelo y a toda la marca… Los tiempos de Quattro ya estaban lejos… había que pensar en algo y en 1995 vemos el resultado de esos trabajos. Y 3 años después nace como coche de producción. Antes de comenzar os hago una advertencia: En todas partes verás que se habla de 3 generaciones del TT, la primera que va de 1998 a 2006, la segunda desde 2006 a 2014 y la tercera desde 2014 a 2023. Para mí la tercera es una puesta al día de la segunda; también la primera tuvo un restyling en el 2000, pero no se la considera una generación distinta. Por lo tanto solo voy a considerar dos generaciones. La producción del Audi TT arranca en Győr, Hungría, en 1998. La verdad es que se complicaron un poco la vida, pues las carrocerías pintadas se transportaban en ferrocarril desde Ingolstadt a la factoría húngara, donde se llevaba a cabo el ensamblaje final del vehículo. En 1999, se introduce la versión descapotable, el Audi TT Roadster, con un techo retráctil de lona y un interior biplaza. Aunque veáis tan bonito al primer TT lo que se escondía debajo era la plataforma del Audi A3 que a su vez era la del VW Golf IV. Y, por cierto, la del León I, bien conocida por todos. De hecho, la mayor parte de sus motores eran los mismo que el Golf, con el magnífico 1.8 de 20 válvulas y turbo en versiones de 150 y hasta 225 CV. Y no faltaba la tracción total Quattro, pues si bien es cierto que la fama del original Audi Quattro estaba lejos, Audi había cuidado y muy bien esa denominación, un gran acierto. También heredado de VW le llegó el motor VR6 de 3,2 litros y 250 CV, un motor con la virtud de su compacidad, que le permitía entrar en el vano motor de estos coches, pero que nunca fue un motor brillante. Malo no fue, pero brillante, tampoco. Pude probar este modelo en todas sus versiones en Alemania, a más de 250 Km/h y en circuito. Y recuerdo que la gran mayoría de la prensa coincidimos en una crítica: A alta velocidad carecía del aplomo de otros coches, incluso del propio Golf. Esto se ha olvidado, pero la verdad es que a 200 km/h las rachas de viento, aunque fuese flojo, daba una sensación de flotación al volante y en circuito, en curvas rápidas, la trasera se sentía ligera… demasiado ligera. Esto era más evidente en las versiones más potentes, pero deslucía a un modelo que era bonito, eficaz, con muy buena motricidad y comportamiento deportivo. Y Audi lo arregló en el año 2000, a algunos os parecerá que lo solucionó rápido y a otros, como a mí, lento. En 2006 aparece la segunda generación y apenas 2 años después me compré un TTS del que guardo un magnífico recuerdo. Como digo para mí el TT de 2014 no es una nueva generación, pues incluso estéticamente no es fácil distinguir uno u otro. Nace en 2016 los RS con motor de 5 cilindros, 2,5 litros y turbo potenciados a 400 CV y por supuesto con cambio DSG de 7 velocidades y tracción total. Este me gustaba más que el mío, pero no existía cuando me lo compre… y no me hubiese llegado el dinero.

Das schweizerische Datenschutzgesetz (DSG) nennt «private Personen», ohne sie zu definieren. Mit Anwaltskollegin und Spezialgast Sarah Bischof diskutiert Martin Steiger über den Begriff der «privaten Personen». Dabei fragen sich die beiden unter anderem, ob es wirklich beabsichtigt ist, dass Beamte nicht unter die meisten Strafbestimmungen im DSG fallen.

Alyssa Dineen, founder of Style My Profile, joins me to talk about the ins and outs of online dating after divorce. If you're feeling overwhelmed by the dating apps, unsure how to craft a compelling profile, or just wondering if you're ready to date, Alyssa's expertise will help you navigate it all. Together, we tackle the realities of modern dating, from building a profile that actually sparks conversations to avoiding burnout in the endless swipe cycle. Alyssa also shares her own post-divorce dating journey, including how she found love after leaving an abusive marriage. She also shares the key strategies she uses with her clients to help them date with intention. You'll also hear: The biggest mistakes people make with their dating profiles (5:24) How dating can help you re-discover who you are after divorce (7:23) The ‘date uniform' strategy that makes getting ready effortless (37:46) The first date, avoiding dating burnout, and enjoying the process (26:37) Learn more about Alyssa Dineen: With over 25 years of experience as a fashion editor, stylist, and art director, Alyssa established herself as a seasoned leader in the New York fashion world. In the past decade, Alyssa has also emerged as a pioneering figure in the online dating space. Her innovative approach combines her expertise in styling with her insights into dating, guiding clients on everything from personal presentation to effective communication with potential partners. As an acclaimed dating expert, Alyssa has been featured in The New York Times, Today Show, Goop, and Oprah Daily. She is also the author of The Art of Online Dating published by Harper Collins in 2021, which offers valuable strategies for success in online dating. You can find more information about Alyssa and Style My Profile's services at stylemyprofilenyc.com. Resources & Links: Unbreakable – the Divorce Recovery Retreat, Sedona, AZ in April 2025 Submit your questions here for possible inclusion in future Q&A podcast episodes Focused Strategy Sessions with Kate  Phoenix Rising: A Divorce Empowerment Collective Style My Profile website Alyssa is also offering 20% off her Mindful Dating 101 course and DIY Profile Kit to DSG listeners! Use code DSG20 at checkout. Alyssa on Instagram Style My Profile on Instagram Alyssa's Facebook Group for: Empowered Women Moving Forward in the Modern Dating World =================== DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. Episode Link: https://kateanthony.com/podcast/episode-309-online-dating-after-divorce-with-alyssa-dineen/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Alyssa Dineen, founder of Style My Profile, joins me to talk about the ins and outs of online dating after divorce. If you're feeling overwhelmed by the dating apps, unsure how to craft a compelling profile, or just wondering if you're ready to date, Alyssa's expertise will help you navigate it all. Together, we tackle the realities of modern dating, from building a profile that actually sparks conversations to avoiding burnout in the endless swipe cycle. Alyssa also shares her own post-divorce dating journey, including how she found love after leaving an abusive marriage. She also shares the key strategies she uses with her clients to help them date with intention. You'll also hear: The biggest mistakes people make with their dating profiles (5:24) How dating can help you re-discover who you are after divorce (7:23) The ‘date uniform' strategy that makes getting ready effortless (37:46) The first date, avoiding dating burnout, and enjoying the process (26:37) Learn more about Alyssa Dineen: With over 25 years of experience as a fashion editor, stylist, and art director, Alyssa established herself as a seasoned leader in the New York fashion world. In the past decade, Alyssa has also emerged as a pioneering figure in the online dating space. Her innovative approach combines her expertise in styling with her insights into dating, guiding clients on everything from personal presentation to effective communication with potential partners. As an acclaimed dating expert, Alyssa has been featured in The New York Times, Today Show, Goop, and Oprah Daily. She is also the author of The Art of Online Dating published by Harper Collins in 2021, which offers valuable strategies for success in online dating. You can find more information about Alyssa and Style My Profile's services at stylemyprofilenyc.com. Resources & Links: Unbreakable – the Divorce Recovery Retreat, Sedona, AZ in April 2025 Submit your questions here for possible inclusion in future Q&A podcast episodes Focused Strategy Sessions with Kate  Phoenix Rising: A Divorce Empowerment Collective Style My Profile website Alyssa is also offering 20% off her Mindful Dating 101 course and DIY Profile Kit to DSG listeners! Use code DSG20 at checkout. Alyssa on Instagram Style My Profile on Instagram Alyssa's Facebook Group for: Empowered Women Moving Forward in the Modern Dating World =================== DISCLAIMER: THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE. YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. Episode Link: https://kateanthony.com/podcast/episode-309-online-dating-after-divorce-with-alyssa-dineen/

This week on The Dive, Driven by Kia, the crew shares their thoughts on the first week of Fearless Draft and why Mel is looking downright busted. They break down key matchups, plus a look at Bwipo streaming scrims and what it could mean for the scene. Tune in for all the latest takes and analysis! Timestamps: 0:00 Intro 3:31 Fearless draft week 1 thoughts 12:13 Mel is busted 19:01 Bwipo interview & streaming scrims 38:44 C9 vs FLY match preview 55:09 DIG vs DSG match preview 1:05:52 TL vs 100T match preview 1:14:01 SR vs LYON match preview

Take a look at NZXT! - https://nzxt.co/travis ( Use code: travis5 ) Check out Idle Slayer! - https://store.steampowered.com/app/1353300?utm_source=Travis Follow Travis on Twitch: http://twitch.tv/travisgafford Support: https://linktr.ee/tgisupport 00:00:00 Intro - first weekend of LTA, movies, Magic and more 00:20:53 Cloud's take: Shopify will be the biggest team in terms of fandom in the LTA by the end of the year. 00:36:08 KKG's take: this feels like the most important year yet for C9 00:53:08 NZXT break! 00:55:48 waka's take: with players coming up from NACL, DIG and DSG have potential to hit top 4 01:14:20 Seanatonin's take: T1 teams should stream a portion of their scrims to the public 01:27:12 Idle Slayer break! 01:30:30 Cedric's take: Impact and TL have a lot to prove to make up for last year's shortcoming 01:48:58 Raz's Amazing Outro

Join Mia Anstine in this exciting episode of the MAC Outdoors Podcast as she chats with special guest Rachelle Hedrick, a passionate hunter and outdoor enthusiast, about women's DSG Outerwear. What You'll Hear in This Episode:

With the dust settled on the merger of Lawson Products, TestEquity and GexPro Services to form Distribution Solutions Group, it's time for a then-and-now investigation. LKCM Headwater Investment's Brad Wallace — a DSG board member who helped spearhead that transaction — joins to discuss the rationale behind the company's creation, what's ahead for DSG and why distribution is so attractive for PE investment.

Key Moments: Focusing on Value with Bill Schmarzo 1:48Unlocking the Collective Genius with Walid Mehanna 4:07Building a Data-Literate Workforce with Valerie Logan 5:58Creating a Human-Centric AI Strategy with Sadie St. Lawrence 7:40Selecting the Right Tools with Katie Russell 11:23Implementing tools responsibly with Robert Garnett 16:00Why Clean Data Matters with Barr Moses 19:36Ensuring Responsible AI for the Long-Term with Dr. Gary Marcus 25:45 Key Quotes:“Data-driven is not important. Value-driven—that's what's important. We should focus on value.” — Bill Schmarzo, Head of Customer Data Innovation at Dell Technologies“Our role was rather to activate the organizational muscle… to try things out and tell us what has the highest opportunity and possibility.” — Walid Mehanna, Chief Data and AI Officer at Merck Group“It's really a mindset and a muscle… we need to foster this kind of lasting change.” — Valerie Logan, CEO of the Datalodge“Teaching people to ask better questions is more about critical thinking than technology.” — Sadie St. Lawrence, Founder of the Human Machine Collaboration Institute“We wanted to make analytics accessible to everyone, combining real-time data and intuitive tools so every team member can gain insights and contribute to our mission to decarbonize.” — Katie Russell, Head of Data and Analytics at OVO Energy As we are looking at applications of AI within our environment, we are focused first on responsibility, making sure that we have a broad enough data set when we're building machine learning models, for instance. And so that's at the heart of anything that we do.” – Robert Garnett, Vice President for Government Analytics and Health Benefits Cost of Care at Elevance Health“Our world is moving towards a place where data is the product—and in that world, directionally accurate just doesn't cut it anymore.” — Barr Moses, CEO and Co-Founder of Monte Carlo“The tech policy that we set right now is going to really affect the rest of our lives.” —  Dr. Gary Marcus, Scientist, Advisor to Governments and Corporations, and Author of Taming Silicon ValleyGuest Bios Bill Schmarzo Bill Schmarzo has extensive hands-on experience in the areas of big data, data science, designthinking, data monetization, and data economics. Bill is currently part of Dell Technology's core data management leadership team, where he is responsible for spearheading customer co-creation engagement to identify and prioritize the key data management, data science, and data monetization requirements.Walid MehannaWalid Mehanna is Chief Data & AI Officer at Merck KGaA, Darmstadt, Germany, where he leads the company's Data & AI organization, delivering value, governance, architecture, engineering, and operations across the company globally. With many years experience in startups, IT, and consulting major corporations, Walid encompasses a strong understanding of the intersection between business and technology. Katie RussellKatie Russell is the Data Director at OVO Energy, leading teams of Data Scientists, Data Engineers and Analysts who are transforming OVO's data capability. As part of a technology led business, leveraging data using artificial intelligence keeps OVO truly innovative, delivering the best possible service for our customers. Rob GarnettRobert Garnett serves as Vice President for Government Analytics and Health Benefits Cost of Care at Elevance Health. In this role, he leads a data-driven organization supporting analytics and insights for Medicaid, Medicare, Commercial and enterprise customers in the areas of population health, cost of care, performance management, operational excellence, and quality improvement. Valerie LoganFounding The Data Lodge in 2019, Valerie is as committed to data literacy as it gets. With train-the-trainer bootcamps, and a peer community, she's certifying the world's first Data Literacy Program Leads. In 2023, The Data Lodge was acquired as the basis of a newly formed venture, Data Society Group (DSG), aimed at fostering data and AI literacy and cultural change at scale. Valerie is excited to also serve as the Chief Strategy Officer of DSG. Previously, Valerie was a Gartner Research VP in the CDO team where she pioneered Data Literacy research and was awarded Gartner's Top Thought Leadership Award.Sadie St. LawrenceSadie St. Lawrence  is on a personal mission to create a more compassionate and connected world through technology. Having grown up on a farm in Iowa she witnessed first-hand how advancements in technology rapidly changed how we work and earn a living, which in turn affected the overall success of a community. Through her work, she noticed that while many organizations and individuals have good intentions when it comes to D&I in data careers, there was a lack of progress.Dr. Gary MarcusGary Marcus is a leading voice in artificial intelligence. He is a scientist, best-selling author, and serial entrepreneur (Founder of Robust.AI and Geometric.AI, acquired by Uber). He is well-known for his challenges to contemporary AI, anticipating many of the current limitations decades in advance, and for his research in human language development and cognitive neuroscience. An Emeritus Professor of Psychology and Neural Science at NYU, he is the author of six books. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

00:00:00 Intro 00:15:57 Franklin asks Mark how teams can build brands if they're not winning in the new format 00:26:50 Pagoda snack break! 00:31:20 Sinbad asks Mark how the LTA is better than the LCS in terms of business model and team dedication 00:48:05 ppdoc's take: Riot needs to heavily invest in English, Spanish and Portuguese livestreams across LTA so fans can enjoy regardless of language gap 01:04:28 aztecs asks about the decision to let DSG into the LTA 01:14:45 NZXT break! 01:18:10 shadow asks what Riot's long term monetization plan is for LTA 01:32:30 haekua asks Mark about International representation from LTA 01:47:10 David asks: WHY Bo1s? 02:12:55 Outro

Programa que se emitie todos los viernes a las 19:20 en Onda Cero Madrid Sur. Entrevistamos a Carlos de Luis Director de Comunicación de Cupra España: https://www.linkedin.com/in/carlos-de-luis-3b5414195/ En este episodio de AutoFM, exploramos uno de los coches más exitosos del mercado desde su lanzamiento en 2018, con más de 700.000 unidades vendidas: el Cupra Terramar. Este SUV está llamado a ser un nuevo referente en su segmento, recogiendo el legado del Formentor pero con un tamaño superior y una oferta mecánica muy completa. El Terramar cuenta con versiones de gasolina, microhíbridos con etiqueta ECO, y versiones híbridas enchufables que ofrecen más de 100 km de autonomía eléctrica. Todas sus motorizaciones vienen equipadas con caja automática DSG de doble embrague, lo que asegura una conducción ágil y eficiente. Destaca su diseño, desarrollado en Barcelona y producido en la planta de Audi en Györ, con una estética audaz que incluye faros Matrix LED y una parte trasera con el logo iluminado de CUPRA. En el interior, encontramos detalles premium como asientos tipo bucket hechos con materiales reciclados, un sistema de audio con 12 altavoces y un techo solar panorámico que aporta luminosidad y amplitud. Todo ello en un vehículo de 4,52 metros de largo que sorprende por su habitabilidad y maletero, que alcanza hasta 642 litros. Su tecnología también impresiona, con suspensión deportiva, dirección progresiva de serie y un sistema de control de chasis adaptativo que optimiza la experiencia al volante. Con un precio de salida de 38.500 euros, el Terramar es un SUV con grandes aspiraciones, diseñado para aquellos que buscan rendimiento, eficiencia y diseño en un mismo vehículo. ¡No te pierdas todos los detalles en este episodio! Puedes seguirnos en nuestra web: https://www.podcastmotor.es Twiter: @AutoFmRadio Instagram: https://www.instagram.com/autofmradio/ Youtube: https://www.youtube.com/channel/UC57czZy-ctfV02t_PeNXCAQ Contacto: info@autofm.es

你的持續贊助，是我們不間斷更新的最大支持

Мой сет с Крымской версии Пиратской Станции Космос, ловите позитивный вайб и заряженные качем треки.. (Запись не с начала, поэтому треклист выглядит так, как выглядит)) GVOZD vibez 3.Dirtyphonics - Panache 4.CaitC - Fever 5.Ekko & Sidetrack- Keep The Energy 6.Jessee- Turn It Up 7.artemas - I like way kiss me (culture shock d&b flip) 8.Dimension & Alison Wonderland - Satellite 9.T & Sugah - Throw It Back 10.Oliverse & Ellii - wish. 11.Denver UK & Jess Robyn - Moment 12.Andromedik/Luka - Paradise 13.Basement Jaxx - Good Luck (Circadian Remix) 14.Pirapus, Brody Leigh - Supernova 15.Future Prophecies - Take me to the sun 16.Rex Hooligan - You Get Me High 17.A-Cray & Zigi SC - Bailalo VIP 18.CLIQUES. & JFB - Ninja Frog (Original Mix) 19.Dux n Bass & Dread MC - Zone 20.Benny Benassi, The Biz - Satisfaction (Netsky Remix) 21.INFINULL - In Your Face 22.Apokain - Techno 23.Cacumen - 1618 24.Tanukichi & Jman - Way Of The Samurai 25.DC2, Punchman - Impulse 26.Skrimor - Boogie Woogie 27.Fade Duste - Ancient Drums 28.Quyver - Underground 29.Creafect - Creatures 30.Dark Soul & STRUNO - Peresvet 31.Mob Tactics - Straitjacket VIP 32.Akov/Multiplex - VIBE 33.DUBLIC & Rachel Philipp - Miss U (Liveon Remix) 34.Teddy Killerz - Feeling Low 35.Dan Dakota, Blooom - Yot Klub (Blooom Rework) 36.T95, NCT - Pull Dat 37.Benny Page & MC Funsta - I Luv DnB 38.Drumsound & Bassline Smith - Hardcore Junglist 39.DSG x Marcus Zero - No Fate 40.Teddy Killerz & MC Spyda - Hardcore Riddim 41.Perimetre, Fellon - Elastic 42.Fox Stevenson - Don't Know What 43.Freaks Out Sound - No Limits 44.Катя Чехова - Крылья (DC2 Remix) 45.InisdeInfo & Rudram - Ancestral 46.Carasel, T>I - Bubble 47.Vici & Speaker Louis - Henchman 48.Roni Size & Reprazent - Brown Paper Bag (Crissy Criss Plastic Bag Mix) 49.Adam F - Brand New Funk Revisited (Bladerunner remix)

Paul Kennedy is the President and CEO of DSG and John Thompson is the President of First Electric Supply. 

¿Cuál ha sido el vehículo más exitoso de Volkswagen? Muchos pensaréis que el VW Golf, pero si lo medimos en edad y no en unidades vendidas, la furgoneta T le gana al Golf por goleada. Este podcast lo hacemos gracias a BP y os voy a hacer una pregunta… ¿Sabes que es un BIP? No, no un VIP, con V, sino un BIP, con B, que es una BEPE IMPORTANT PERSON. Te voy a contar algo que te va a interesar: ¿Quieres ganar un viaje para cuatro personas para ir a Abu Dabi y disfrutar del final de esta apasionante temporada de la máxima categoría? ¡Yo sí! Toma nota: Del 17 de junio al 2 de septiembre, BP va a sortear experiencias únicas para todos los amantes del motor. Y por cada 30 LITROS DE CARBURANTE que repostes tienes una opción…. ¡o dos si eliges repostar BP Ultimate! En este enlace tienes toda la información: https://bepear.es/ Vamos a hablar de una furgoneta alemana nacida gracias a la inquietud de un inglés y de un holandés, que nació como herramienta de trabajo y se convirtió en icono “hippie” e incluso en el vehículo de la “tortugas Ninja” … Y que tiene unos precios, como vehículos clásicos, absolutamente desorbitados. Os advierto una cosa, poner en orden todo esto no va a ser nada fácil. Comenzamos por el nombre: Supuestamente se llama “Transporter” de ahí la T, pero el modelo se comenzó llamando T2, porque el T1 era el Beetle o Escarabajo o Cucaracha o Vocho o Käfer o Fusca… nombre todos ellos que nunca fueron oficiales; el oficial fue T1 o “Tipo 1”. Y la furgoneta derivada del modelo Tipo 1 es el modelo Tipo 2… lógica alemana aplastante. Pero no podemos mezclar el modelo con las generaciones. Es decir, que una furgoneta de VW, por ejemplo, es un modelo T2 pero puede ser de la generación T1, es decir, de las primeras. A día de hoy hay 6 generaciones. Y ahora vamos a hablar de nombres. Esta furgoneta, según su destino, se ha llamado Transporter, Kombi o Microbus, según se trate de una versión de carga, mixta o de uso para pasajeros. Estos han sido nombres oficiales, porque también se las ha llamado, según generaciones y tipos de uso, como Station Wagon, Bus, Campero y Bulli. Siempre lo digo y lo que os voy a contar ahora lo demuestra: La realidad supera la ficción. Terminada la Segunda Guerra Mundial la ciudad de Wolfsburgo y son los británicos quienes ponen en marcha la fábrica. Pero hay más: Es un holandés llamado Ben Pon quien cuando ve en la fábrica un VW Escarabajo convertido en furgoneta para uso interno propone la construcción en serie de dicho vehículo. Estos momentos de cierta confusión de algún modo facilitan la toma rápida de decisiones. El modelo Tipo 2 o Transporter comienza a fabricarse el 8 de marzo de 1950 y en la primera generación que ahora todos conocemos por T1. No se habían complicado mucho la vida: Sobre un chasis de Escarabajo habían montado una carrocería de furgoneta, manteniendo obviamente el motor detrás, lo que restaba espacio… pero era lo que había. Este modelo debuta como furgoneta pura y dura, pero enseguida nacen versiones mixtas denominadas oficialmente Transporter Kombi o “Kombiwagen”. Muy poco tiempo después estas furgonetas pasan a fabricarse en Brasil y en Sudáfrica en 1953 y 1956 respectivamente. Esto contribuiría a su éxito internacional… y a la ceremonia de la confusión, porque la sucesión de modelos era distinta en cada fabrica y por tanto en cada mercado. Por ejemplo, la generación T1 en Alemania se produce hasta 1967 cuando aparece la T2, pero en Brasil se mantiene en producción hasta 1975… en las fechas de las generaciones nos ceñiremos a Europa, por simplicidad. Transporter T2. Continuista (1967). Lo más destacado, que no lo más destacable, de la T2 es que supuso el fin del doble parabrisas plano sustituido por uno de una sola pieza y curvado. Transporter T3. Diesel y 4x4 (1979). Es más de lo mismo con el motor trasero, pero con la llegada de motores diésel, la tracción integral, el cambio automático e incluso aire acondicionado en algunas versiones. Transporter T4. ¡Toma ya 911! (1990). Hablaba de hacer un paralelismo de la VW T con el Porsche 911. La T nace con motor posterior porque es lo que había, como el 911 ambos derivados del VW Escarabajo, aunque en el caso del Porsche hubo un modelo de transición, el 356. Transporter 5. Con cambio DSG (2003). La T5 es muy continuista respecto a la T4… había poco que mejorar. Transporter 6. Electrificada (2015). La última T sin duda ha perdido parte del encanto y la capacidad de seducción de sus ancestros. Y ya está disponible en versiones eléctricas, con motor de 113 CV y un equipamiento de verdadero lujo.

In our latest Off the Cuff episode, The Wholesaler Editor Ruth Mitchell is joined by Melissa Lunak, Chief People Officer of DSG — an employee-owned wholesale distributor that offers an extensive array of products and solutions to professionals across various sectors including electrical, plumbing, HVAC, communications, utility, automation, waterworks, as well as onsite sewer and well industries.  Tune in as Melissa describes her role at the company and how its core values influence her approach to HR and people management. Plus — the duo discuss the balance of aligning HR strategies with overall business objectives, what's trending in regards to the wants and needs of employees, and some of the HR innovations Melissa is particularly proud of implementing at DSG. A special thank you to Zoeller Pump Co. for sponsoring this episode! Visit  www.zoellerpumps.com to learn more about the products it manufactures for your basement sump, sewage ejector, and septic systems needs.

A mere half-century ago, a commute that now takes minutes could consume an entire day. Just as rails would have accelerated our pace of life relative to the horse-and-buggy, emerging digital infrastructure promises to get more of our dollars, working at a faster speed. You've heard this in relation to fees, but I feel the conversation needs to go deeper, and consider the legacy institutions that can now be made redundant. Read more.Ryan Johnson-Hunt is the CEO and co-founder of DSG.______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC Markets

Tressa serves as a tour guide, if you will, through her "Day at DICK's" for the Opening of DICK's House of Sport Pittsburgh. Since 2014, via their Sports Matter Program, DICK's has dontated $100 million to Youth Sports. In celebration of its 10-year anniversary, the Program is giving $2 million in Anniversary Grants, funded by DSG, to empower even more young athletes to pursue their passions. Tressa talks with several people, including yinzers who waited in line overnight for the doors to open, Nelson Cooper and Brian Jacobson from Pittsburgh Hardball Academy, Amanda Sullivan (Program Director) from Steel City Squash, Javier Perez (Executive Director) from House of Sport Pittsburgh, and Pittsburgh Penguins' Defenseman Kris Letang. DICK's Sporting Goods Foundation | Sports Matter Program: https://www.sportsmatter.org/ DICK's House of Sport Pittsburgh: https://www.dickssportinggoods.com/s/marketing/houseofsport Pittsburgh Sports Matter 2024 Grant Recipients: 412 Elite Bethlehem Center School Duquesne City School District Girls on the Run of UPMC Magee McKeesport Area School District Monroeville In-House Soccer Pittsburgh Hardball Academy Pittsburgh Youth National Boxing Team Rise Again Steel City Squash Pittsburgh Hardball Academy: https://www.pittsburghhardball.org/ Steel City Squash: https://steelcitysquash.org/ https://www.yinzaregood.com/ Instagram: @yinzaregood Facebook: @YinzAreGood Have a story of GENEROSITY or KINDNESS to share with us? Email us at yinzaregood@gmail.com To request a KINDNESS CRATE drop off at your business or school, email us at yinzaregood@gmail.com

Description:In this episode, Cindi Howson is joined by Valerie A. Logan, CEO and founder of the DataLodge and Chief Strategy Officer at DATA SOCIETY GROUP, and Jason Beyer, Vice President of Data and Analytics at Bridgestone Americas. They delve into the vital concepts of data literacy and AI literacy, sharing their insights and experiences in fostering a data-driven culture within organizations. Valerie, widely regarded as the "godmother of data literacy," sheds light on the three key pillars of her approach: mindset, language, and skills. Jason provides a behind-the-scenes look at how Bridgestone is cultivating data literacy, including partnerships with HR, creating a data marketplace, and fostering a community of data enthusiasts.Key Moments: Valerie Logan explains the three pillars of data literacy: mindset, language, and skills (06:16)Jason Beyer shares Bridgestone's approach to scaling data literacy, including partnering with HR and creating a data marketplace (22:10)Valerie highlights the importance of leadership in modeling the right mindset for data literacy (29:28)Cindi, Valerie, and Jason discuss the evolution of data literacy to AI literacy (33:48)Lightning round with fun questions for Valerie and Jason (38:26)Key Quotes: ISL (Information as a second language) is really a foundational methodology for how we look at the enablement of people, the empowerment of people with this capability. And when I talk about data literacy in ISL, I look at it really as three things, mindset, language, and skills. - Valerie A. LoganTerms, Techniques, then Tools. If you're trying to drive a different behavior, a tool is part of that. But how somebody thinks, how someone engages is also part of it. - Valerie A. LoganLeaders need to think about data fluency different from those that may be using data in their role or may have data as a role and recognize that there's different levels of fluency, proficiency, and the core literacy that go along with that. - Jason BeyerEven before we called it a data literacy program, we had this mindset and approach as a COE team and our value contribution to the organization is we need to raise the water for the entire organization in how we use and make the most of our data assets. - Jason BeyerMentions: Data Literacy MovementInformation as a Second Language (ISL) methodologyThe Data Lodge and Bridgestone Data Literacy WebinarGenerative AI and prompt engineering classesBiosValerie A. Logan Founding The Data Lodge in 2019, Valerie is as committed to data literacy as it gets. With train-the-trainer bootcamps, and a peer community, she's certifying the world's first Data Literacy Program Leads. In 2023, The Data Lodge was acquired as the basis of a newly formed venture, Data Society Group (DSG), aimed at fostering data and AI literacy and cultural change at scale. Valerie is excited to also serve as the Chief Strategy Officer of DSG. Previously, Valerie was a Gartner Research VP in the CDO team where she pioneered the Data Literacy research and was awarded Gartner's Top Thought Leadership Award (2018). Valerie has more than 30 years of experience in consulting leadership and telecommunications. Valerie holds a B.S. in Math (SUNY College, Buffalo) and an M.S. in Applied Math (New Mexico State).  She lives between the Adirondacks in Upstate NY, and Sarasota, FL with her husband Brian, and their yellow lab, Cooper, the Lodge mascot.Jason BeyerA Data, Analytics, & Technology pioneer with a proven ability to lead transformational change through highly complex programs across diverse teams. Jason brings global experiences from automotive, retail, industrial manufacturing, construction, medical, and government industries to fuel competitive differentiation through trusted data and profit generating analytic solutions. He has a proven ability to deliver results at an Executive level across all domains of information technology. Jason believes what's good for society is good for business. His passion is to make a positive impact for the organization where he works, the people he works with, and the community where he lives. Jason serves on multiple boards for his community of Nashville, and for the data industry

Interview by Haze   / mike_tall   We recently sat down with Oakland artist Ricky Styles for an exclusive “Off The Porch” interview! During our conversation he talked about the music scene in Oakland, what its going to take for Oakland to come together, his experience growing up in Oakland, there being a disconnect from with the new generation, the negative impact of social media, getting his start in the music business by investing into other artists, reveals what got him into making music, perfecting his craft of rapping, getting shot, his recovery process, being in a coma for a few days, having to learn how to walk again, explains his creative process, being in the studio with JuiceWrld, his new single “You Must Be Dumb”, previous single “Wasn't Good Enough”, focusing on singles, his brand & label DSG, goals for 2024, fatherhood, and much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Amazon is attempting to bail Diamond Sports Group out of Bankruptcy. How does this affect the 14 clubs who were under DSG in 2022 and what else is going on in the Regional Sports Network space?

Welcome back to the Bishop and Bear, brought to you this week in association with Nord VPN - working for a safer and better internet. Top rated by Cybernews, Nord VPN stands as the unrivalled leader in digital protection, offering exceptional speeds, impenetrable encryption, a no-log policy, cutting-edge features and an unparalleled commitment to privacy.   Our two Barstool of Bravado guests this week are the lads from The Cricket Podcast (and Guerillas of course) Jack and Max. Your Ursine Landlord and Episcopal Barman certainly have to be on our toes with T20 knowledge. There may be a suspicion of some hurried googling in the Ursine department.   We unpick the extraordinary double super over events from Bengaluru this week, the expanding and contracting Big Bash, plus cast a critical eye on the quality of some of the global T20 franchises.   For good measure, there is a passing tribute to the great Muddy Waters and we also learn that the Bear's portly neighbour wears bamboo underpants. Don't ask how he knows that, just listen to find out!   Here's the full chat list: ·     Two Super Overs – Too good to be true? ·     Three times same result for Pakistan in New Zealand – two to go ·     Big Bash – less bash since it got bigger and then smaller again? ·     SA 20 – DSG make the early running. No great surprise looking at squads? ·     IL T20 starts 24th – is global talent pool being spread too thin across global franchises? ·     Adelaide Test – 3 Days is one more than expected? ·     Drinking TNT – We were always ready for that ·     Oh go on then – India vs England. Will England win a Test? Remember, you can grab your EXCLUSIVE GUERILLA CRICKET NordVPN deal by clicking here https://nordvpn.com/gcradio to get a huge discount off your NordVPN Plan plus 4 additional months for free! It's completely risk-free with Nord's 30-day money-back guarantee! When prompted, remember to use the special discount code GCradio. Cheers!   Your Ursine Landlord and Episcopal Barman Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode 112 of The Hitstreak, a podcast where we talk about anything and everything!  This week we are joined by Drew Maddux, author and EVP of Dufresne Spencer Group and Virgil Herring, TEDx speaker, PGA professional, author, and podcaster. Let us know in the comments what YOU want to hear about next!About our guests: Ever since he was 5 years old, Drew Maddux has seen images of his future. From a crayon drawing, to a mental image, Drew ensured he would do everything in his power to make what he saw for himself, a reality, no matter what. Whether it was learning a new skill, or honing his current abilities, Maddux knew that practice and outworking your competition would take him wherever he wanted in life. From a Vanderbilt Basketball Player, turned Author, turned Coach, to his current role as the EVP of People Development at DSG, Drew has always chosen people over profits. He sees himself not as a pastor or chaplain of DSG, but as a coach. Coach Drew offers a unique perspective on life and the character traits you will need if you want to elevate your life in every aspect. Life is a game and the more skilled we are the more confident we will be at attacking each day head on.Follow and contact: Instagram @drewmaddux45Website: coachdrewmaddux.com Virgil Herring is a PGA Professional whose career as a coach has blessed him to be named INPGA Teacher of the Year in 2003 and 2015, coach 2 PGA Tour winners, 6 National Champions, 3 players reaching #1 in the NCAA, coached Ensworth to its first ever TSSAA championship in 2019, and helped 138 junior golfers earn over $11,000,000 in scholarships. Virgil is a 3-time best selling author (The Golf Journal, Elevated, and Excavated) host of two podcast (Elevated and On The Virg) and is a former Golf Channel Academy coach and current Golf Analyst for Newschannel 5 WSMV-TV in Nashville. Virgil is driven to help people achieve their goals, whether it be on the course or off. Virgil was also a featured speaker for TEDxOldHickory in August of 2023. Follow and contact: Instagram @virgil.herringWebsite: virgilherring.com About Our Sponsors:Hitlab: We specialize in the creation, marketing, and promotion of Podcasts and other serial content. http://hitlabstudio.com/Team Hiter: Our mission is to protect our customers from financial hardship due to unforeseen illness or injury. Simply stated, we provide peace of mind in keeping the promise of financial protection afforded by our health coverages. https://teamhiter.com/RAC Financial has the integration of partner solutions that every business owner needs to be successful. They help make payment processing simple, secure, and reliable by using state-of-the-art tokenization standards that are required of all businesses. RAC Financial cares about you and your business, and they will do their very best to serve you. Your success is RAC Financial's success. They've processed

In this episode of the METUS Tech Show, Mike Lumia and Craig Johnson, DSG members from Homans Associates,  join us to discuss the process of starting up a CITY MULTI VRF system and how they support the technicians in the field.  After the recording of this episode, Homans Associates was named both Northeast and National Distributor of the year.  The METUS Tech Show sends Congratulations to the entire Team at Homans.Thanks for listening! Please visit www.mitsubishicomfort.comContact us at metustechshow@hvac.mea.com

Before our PA Governor-appointed public official guest joins us, I discuss how autonomous cars expect to change real estate. Richard Vague, Pennsylvania's Secretary of Banking and Securities from 2020-2023 joins us. We're in the state capital of Harrisburg, PA. We discuss America's beginnings in real estate and banking from around 1800. He tells us about the health of banks in the wake of recent failures due to higher interest rates. I ask Richard about full reserve banks vs. fractional lending banks. Great Britain prohibited colonists from owning land west of the Appalachians.  The basis of early land wealth were crops grown on the land—wheat, corn, tobacco, indigo, and rice. Mortgages around 1800 were often 50% LTV and 6% interest rates. Here in the 2020s, Richard believes that private sector debt is a larger problem than public debt. Wherever debt growth is most rapid are where the economic cracks exist. Inflation benefits the Top 10% of the economic strata. Private debt becomes unsustainable around 225% of GDP. In the US, it's currently 160%. You become insolvent when you cannot make interest-only payments. That's true for you as an individual, or a nation. If these topics interest you, check out Richard's new book, “The Paradox of Debt” at ParadoxOfDebt.com. Timestamps: America's beginnings with banking, real estate, and debt [00:00:01] Discussion on the historical influence of Pennsylvania banking on the formation of US banking, including figures like Robert Morris and Alexander Hamilton. The impact of autonomous vehicles on real estate [00:02:54] Exploration of the potential effects of autonomous vehicles on real estate, including reduced need for parking and changes in commuting patterns. The role of the Secretary of Banking and Securities in Pennsylvania [00:09:20] Insight into the responsibilities of the Secretary of Banking and Securities in Pennsylvania, including oversight of banks and consumer protections. The fractional reserve lending system [00:10:44] Explanation of how banks operate through fractional reserve lending and the possibility of full reserve banks. The origins of the US banking system and the role of Thomas Willing [00:12:06] Discussion on the founding of the US banking system and the involvement of Thomas Willing, the first banker in the United States. The land crisis of 1796-1797 and its impact on Robert Morris [00:14:14] Exploration of the financial crisis caused by land speculation and how it led to Robert Morris, a prominent figure in credit ratings, ending up in debtor's prison. The formation of the nation and its intersection with banking [00:21:50] Discussion on the short-term loans and interest rates during the formation of the United States and the role of debt in the westward expansion. Private sector debt and its growth [00:25:30] Exploration of the significant increase in private sector debt since World War II and the focus on the potential issues associated with it. Debt growth as an indicator of economic crises [00:28:23] Insight into how rapid debt growth, particularly in the private sector, can serve as a predictor of economic crises and the shortcomings of economic models that exclude debt as a factor. The paradox of debt [00:31:47] Debt creates wealth, using leverage and appreciation to generate wealth. The end game of private debt [00:33:29] When the requirement to service debt slows the economy down to near zero. Inflation profiting with real estate [00:37:42] Real estate is not just an inflation hedging vehicle, but an inflation profiting vehicle due to fixed interest rate debt and rising rents. Resources mentioned: Show Notes: GetRichEducation.com/472 Richard Vague's new book: ParadoxOfDebt.com For access to properties or free help with a GRE's Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. I'm sitting down in Pennsylvania with the governor's appointed state secretary of banking and securities. What were America's beginnings with banking, real estate and debt? Learn how this affects you as an investor today. And what does America's day of debt reckoning look like today on Get Rich Education?   Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   Speaker 1 (00:00:44) - Welcome from Harrisburg, Pennsylvania, to Harrisonburg, Virginia, and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Get Rich. Education has been the Keystone state of Pennsylvania this week. In just a few minutes, you'll hear my sit down with secretary of banking and Securities for this great state of Pennsylvania from 2020 to 2023. The rather distinguished guest also sits on the Ivy League University of Pennsylvania's Board of Trustees. And before we're done, I'll be sure he understands at least one core principle here and get his opinion on that. Yeah, I visited seven US states so far here in the past month and I'll continue to visit so much of the United States.   Speaker 1 (00:01:28) - In fact, I might have done more driving this past month than at any time in my life. Now. Some people are really car people. We have this kind of car culture in the United States for some evidence that younger people aren't as interested in that is older people. I mean, some people, they get really excited about new car features or new dashboard interfaces or hybrids or EVs and charging stations. You know, none of that is really that interesting to me. However, you know, the one new car feature that I actually really care about and I'm waiting to go more mainstream. Any idea the one game changing car feature that I really can't wait to get here because it's really going to improve your quality of life. And mine and I talked about this way back in Get Rich Education Episode 13 in the year 2015 is something that is still expected to have substantial ramifications for real estate, and that feature is autonomous vehicles, also known as driverless cars. I mean, as much of the world that's automated these days and digitize, it feels like something is out of whack to have all of this technology that you have in your car today.   Speaker 1 (00:02:54) - Yet even if you're on cruise control out on Interstate 80, like I have been a lot lately, you've mostly got to keep your eyes glued to the car bumper in front of you. Yes. And the car that reliably drives itself. That's the new feature that I really want. I mean, imagine for you to be able to get some sleep or scroll your phone or I know that it sounds funny, even exercise while your car drives itself. And of course this still pretends to have a real impact on real estate. Cars will really need to be owned. It's just the subscription service that you order. A car comes to pick you up and then it drops you off where you need to go. So these cars just continue to stay in motion out there. You don't need a garage so much. And this means that cities won't need nearly as much parking. So parking lots are less important, parking garages are less important. And since you can be more productive while you're a passenger in the car drives itself, well, therefore, those neighborhoods that are say no one hour outside of the center or metro area, well, those areas won't have as much of a price discount because autonomous cars lower your time expense in commuting.   Speaker 1 (00:04:16) - But autonomous car adoption has been slower to develop than a lot of people, including me, expected. I mean, there have been a lot of experiments, But see, what happens is an experimental autonomous car crash that just makes more news than a human created car crash. And that has really slowed adoption. So yeah, I'm not so into cars. The only feature that's on the horizon that really gets me interested is winning back some of my time with autonomous cars. Hey, we have a ton of great podcast episodes lined up here at some of the most brilliant minds in the real estate and money world. Continue to join me coming up soon. Here on the show is the return of a really dynamic guest. He goes by the nickname the mad scientist of multifamily in the industry. Some call the amount of multifamily, mobile home parks self in other commercial real estate investors that have these floating interest rates, the amount of those people, it's almost insane. Higher rates are going to bring those deals down and investors will keep losing money in those deals.   Speaker 1 (00:05:27) - That's what the mad scientist of multifamily and I are going to focus on them. Yes, these people that learn how to perhaps do syndications through TikTok videos, they are losing their deals. Isn't that really is too bad because that reputation seriously that. The good operator, so we're going to sort that out for you. Then on a later episode here, one of the sharpest economic minds in the entire world joins us to discuss why the recession didn't happen as soon as he and a lot of others thought and what that means for the future of stocks and real estate and commodity prices. All of that is in the near future here on the show. But today I'm visiting my home state of Pennsylvania, where I've lived most of my life. It is the fifth most populous state, despite not being that large by area and despite the fact there are still a ton of rural areas in Pennsylvania, and of the five biggest states, Pennsylvania may very well have the deepest history. So we'll dig into some real history today.   Speaker 1 (00:06:31) - Pennsylvania banking was influential on the formation of United States banking, including that of Robert Morris. He's a pretty well known name, but he was succeeded by a better no name. Right after Robert Morse, we had Alexander Hamilton in that banking role. But yeah, Pennsylvania Robert Morris, he is known as the very financier of the American Revolutionary War. As we're about to discuss the nation's beginnings, America's formative years in land and real estate hundreds of years ago. Look, if a hundred years ago, a colonist or an early American, if he or she said this, I'm going to buy a piece of property and develop it. Okay. What do you think that meant when they said that today? If you said, I'm going to buy a piece of property and develop it, well, most people would think that you're going to build a housing development. But back then it probably meant that you were going to clear your land of trees and planted for agriculture and you're going to grow wheat or corn or tobacco.   Speaker 1 (00:07:37) - That was the discussion you were having then. What crop are you developing on your real estate? It sure wasn't. Are you going to develop apartments or condos or single family homes? That's how it might sound today. In fact, the 1790 census that shows that roughly 90% of the American population was employed in agriculture. 90%. So your real estate income was largely derived on your crop yield, which you might use to pay your debt on your land. Let's start this interview that I expect to be wide ranging as we'll take it from yesteryear up to the present day. This week's guest has served as secretary of banking and securities for the great state of Pennsylvania from 2020 to 2023. It is a cabinet level agency here in the state capital of Harrisburg. He was appointed to that position by Pennsylvania Governor Tom Wolf today. He is managing partner of Gabriel Investments as well based in Philadelphia. And today he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. Welcome to Richard Vague.   Speaker 3 (00:08:53) - Thank you so much for having me.   Speaker 1 (00:08:55) - It's good to have you. For those of you listening in, the audio only vague is spelled vague. You and Richard, as Pennsylvania's secretary of banking and Securities, I know that you have various deputy secretaries that assist you. Tell me. I'm going to venture to guess that that role includes acts like the oversight of banks and various consumer protections. Are they important parts of that role?   Speaker 3 (00:09:20) - Without question. The fundamental job is looking to the safety and soundness of the banks chartered here in Pennsylvania to make sure they don't fail. And we all saw the importance of that recently. Silicon Valley bank failed in California. And I think if we'd had the caliber of examiners out in California that the folks here in Pennsylvania or that might not have happened.   Speaker 1 (00:09:44) - That's a nice compliment to those that have that oversight here in state, Richard. It sure has been interesting with interest rates actually not being historically high, but at the rate that they change and the rate that they spiked, making some things break everything else to tell us about that role with the oversight that you had of banks and consumer protections in Pennsylvania and really what everyday depositors are concerned with.   Speaker 3 (00:10:10) - Everyday depositors are concerned with getting the highest yield they can. Sure. And certainly they've been rewarded more lately than they have been over the last, let's say, ten years prior to that. But they also should be concerned about the safety and soundness of the bank they deposit with. And I think a lot of folks forgot that lesson. You know, a few years passed from a crisis and folks aren't worried about whether their bank's going to be around so much anymore. I'm really pleased to report the banks here in Pennsylvania are in really good shape.   Speaker 1 (00:10:44) - Richard, I don't even think that everyday depositors understand the fractional reserve lending institution system, which is really how most banks operate, and that is when a depositor gives the bank money or the money goes ahead and lends that out, that difference, that spread being their arbitrage, which is how they stay in business. I've got a rather interesting question, perhaps are full oil reserve banks feasible as the norm? And what I'm talking about there is banks that can't lend depositors money out and instead that bank needs to profit by charging fees to depositors.   Speaker 1 (00:11:23) - Now, I know everyone likes to get something for free, but would that be a more responsible system? Are full reserve banks feasible at all?   Speaker 3 (00:11:31) - If you did that. You know, that's something I've studied quite a bit, and that was a very active question, by the way. Yeah. In the founding of our banking system here in Pennsylvania in 1781, it's a question that's been around forever. Any economy needs to have money created in order to grow, and the banking system is what does that now. But if you banned that in the banking system, it would just have to happen somewhere else.   Speaker 1 (00:11:58) - Were there any prominent names that were involved with the setup of banking in Pennsylvania?   Speaker 3 (00:12:06) - The name that you hear the most is the guy named Robert Morris, who was the head of it was in effect, the secretary of the Treasury during the Revolutionary War. But his senior partner was the original banker in the United States, and his name was Thomas Willing in history has more or less forgotten him. And that's, by the way, the subject of my next book.   Speaker 3 (00:12:30) - I'm in the Middle of writing a biography of the origins of the US banking system and our first banker, Thomas Wells.   Speaker 1 (00:12:38) - There is a Robert Morris University in Pennsylvania, of course, and we're talking about history here, Richard. And I know that you have an excellent sense of history about the nation's beginnings in land and in real estate. Can you speak to that?   Speaker 3 (00:12:55) - The United States was all about land from the very beginning. You had massive land grants like to William Penn to found the state in the first place. But almost immediately after the founding of the country, you know, one of the reasons we had the American Revolution is because Great Britain prohibited colonists for owning land west of the Appalachian Mountains. And that was very frustrating to people like George Washington and others who had surveyed really lush pieces of land in the Ohio Valley. Immediately after the success of the revolution, the wealthy investors in America began buying millions and millions of acres towards the west, in the Ohio Valley, in Kentucky, in New York, in western Pennsylvania and the like, and got into trouble and brought the first financial crisis in US history, the land crisis of 1796 and 1797, because they were buying all that land on credit, either from the landholder, the private landholder or the the state or commonwealth that the land was in.   Speaker 3 (00:14:14) - They bought this under the presumption that the value of real estate would always go up and of course it just didn't go up fast enough. And Robert Morris to speak of someone actually ended up in debtor's prison because he overextended himself, which is somewhat ironic since he's something of a icon for credit ratings and credit prudence. And yet he was very much of a wild speculator and ended up in prison destitute.   Speaker 1 (00:14:45) - This is really interesting. Okay. And nefarious character early on in America's private real estate development, when the Appalachian mountain range in the late 1700s was deemed as the frontier to a lot of people.   Speaker 3 (00:14:59) - Absolutely. Everybody was looking west of there for the big games and the big opportunities.   Speaker 1 (00:15:06) - I mean, this is part of Manifest Destiny and the American Dream. So can you tell us more about a lot of that land in the early days west of the Appalachian Mountains? How much did the government claim is theirs and sell to private landowners on credit? And then how much were private landowners taking and were they allowed to make land claims and then sell it to someone else? Or tell us more about those early beginnings of that real estate setup?   Speaker 3 (00:15:34) - Well, that's exactly right.   Speaker 3 (00:15:35) - Most of that land was owned by the colonies, which in 1776 became states. The states own that land. The states all incurred massive debts in prosecuting the revolution itself. So by the time you get to 1783, 1787 states are deeply in debt and bondholders of state debt are not getting paid interest. And one way to alleviate that crisis was to sell land and selling it an acre here, an acre. There wasn't going to do you any good. So the states were selling land of 100,000 acre parcel a year, a million acre parcel there. Now, the guys that bought that, at first they were thinking, we'll do it, we'll develop towns, will lay out the towns, will survey them, will sell them, will attract settlers into this realm, will sell it plot buy plot to these settlers. But it was pretty clear that was a pretty slow way to make your money back. So they started looking to the wealthy in Europe and started sending brochures and agents to Europe to in essence, be able to flip their land in Early on, they were very successful at that.   Speaker 3 (00:16:54) - Guys like William Bingham, who was the richest man in America, and Robert Morris, who was one of the richest, would make, you know, 100,000 here and 100,000 there, which is tantamount to making tens of millions. Now that ended. They started doing bigger speculations. There weren't the settlers to buy it. The Europeans got a little bit smarter. You had a major national financial crisis, including, by the way, it wasn't just those Western lands. One of the biggest parts of the financial calamity was in the new town of Washington, DC, where they were moving the government, and people came in, including Robert Morris, thinking it's the seat of government where this is going to be a boomtown. And a lot of folks got into deep trouble speculating on plots in Washington DC.   Speaker 1 (00:17:42) - And if you're the listener, think that this sounds rather unorganized and free wheeling. Of course, we just need to think back a little bit earlier as to what happened when we as colonists went ahead and wrested the land away from the natives as well, of course.   Speaker 1 (00:17:57) - But yeah, Richard, you talked about some of the draw and the appeal to some of the land around Washington, D.C. there along the Potomac River. But just generally overall, in a lot of cases, this new American government, who were the land sellers trying to attract or were they trying to attract them to do, for example, was it to only and to set up a farm for agriculture or was it for trapping or what attracted people to this new land grab, if you will?   Speaker 3 (00:18:24) - The basis of wealth early on in the United States was the crops that we grew. And that obviously, first and foremost was wheat and the biggest supplier of wheat, not just in the United States, but to Europe was Pennsylvania. That's why Philadelphia became the largest city in the United States. Then just south of US and Maryland and Virginia. You had tobacco, which was our number one crop, but it was our number one export. South of that, you had indigo and rice. The further north you got, there really wasn't a lot of arable land.   Speaker 3 (00:19:03) - And that's why, you know, places like Massachusetts had to turn the manufacturing so heavily. It was really that. And fishing for cod were the only thing they could do. So, yeah, absolutely. We were a breadbasket for not just the country, but the world almost from the beginning.   Speaker 1 (00:19:21) - You talk early on about the extension of credit and how that enabled settlers to go ahead and own some of this new land? Is this sort of the early formation of long term mortgages? When did that.   Speaker 4 (00:19:35) - Occur?   Speaker 3 (00:19:36) - Well, absolutely. You know, really from well before independence. One of the problems you had is that there wasn't enough currency to really facilitate economic growth. So they began issuing paper currency in various forms. And a lot of these were very successful. This was done at the state level. And what they would do is they would create land banks. And so you would go in and take your land as a farmer. You would take it to the land bank and you could get currency up to half the value of your land and you'd pay interest on it.   Speaker 3 (00:20:14) - So it was really was a de facto mortgage, a.   Speaker 1 (00:20:18) - 50% mortgage, a.   Speaker 3 (00:20:19) - 50% mortgage, and you could spend that currency. They were well managed early on. Most of these didn't work, failed. And the first real commercial bank was Thomas Williams Bank in 1781 and Philadelphia.   Speaker 1 (00:20:35) - What were interest rates like at this time in these formative years of our nation.   Speaker 3 (00:20:40) - For bigger transactions, the range was really just 5 to 6%. It might get down to four, might get up to seven. Interest rates in the U.K. were closer to five and us, they were closer to six. There were breakdowns by a slice of an interest rate, so there wasn't an interest of 5.1% or 5.2%. And for high risk transactions, you could easily get into the same interest rate realm that some of our usurious lenders do today. Yeah, you see situations where folks in dire straits would borrow for an interest rate of 5% a month. A lot of loans in those days were very, very short term. There were the land loans that were long term.   Speaker 3 (00:21:28) - Most commercial banks made loans for 30 to 90 days, and they really were meant to bridge the period from when you, as a merchandiser bought your wholesale supplies to when you sold them as goods to the folks in your town. You could roll those loans over. But they were very short term back in those days.   Speaker 1 (00:21:50) - That is interesting. Those are really short term loans. And this is pretty parallel with what I've read around that time, that interest rates seem to be about 5%, something like that. We're talking about the formation of this nation, its beginnings in land, in real estate, and how that intersects with banking and the mortgage market and really part of the manifest destiny in the westward expansion of the United States. Yes, we are talking about a popular four letter word debt, and that word debt has only become more popular in America with consumerism here in past decades. So when Richard and I come back, we're going to talk more about debt today in the United States. In his new book, The Paradox of Debt, you can get that at Paradox of Debt.   Speaker 1 (00:22:35) - More we come back with Richard. I'm your host Keith Wayne hold you're listening to Get Rich Education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Charlie Ridge personally, though even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited. For some of them. It's all backed by real estate. And I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income.   Speaker 1 (00:23:48) - And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is author Jim Rickards.   Speaker 4 (00:24:22) - Listen to Get Rich Education with Keith Reinhold and Don't Quit Your Day Dream.   Speaker 1 (00:24:37) - Welcome back to Get Rich Education. We're talking with the guest that served as the secretary of banking and securities for the great state of Pennsylvania since 2020. Today, he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. His name is Richard Vig. He's joining us from here in Pennsylvania, where we are together today. And Richard, I know that you have a lot of commentary about modern debt and what we can do about today's debt and how debt really seems to have expanded a lot since Nixon pegged us from the last vestige of the gold standard back in 1971.   Speaker 1 (00:25:14) - I guess really the preeminent question, Richard, is should debt be a concern? We read all these stories about unrelatable numbers, about how the United States has $33 trillion of stated public debt. What's problematic?   Speaker 3 (00:25:30) - There's a lot more private sector debt than public debt. And I think private sector debt is the area where we need to focus and where our concern needs to be. Private debt has increased since World War two from 35% of GDP to 160% of GDP. Wow. So it's almost quintupled. There's about $41 trillion worth of private sector debt. That's a bigger number than the government debt number, and that's globally as well. There's about a $150 trillion worth of private sector debt and only about $90 trillion worth of government debt.   Speaker 1 (00:26:09) - And what is private sector debt? Are we talking about automobile loans, credit card loans, student loans?   Speaker 3 (00:26:14) - It's roughly divided between business and household debt. So if we've got 40 trillion in debt, it's about 20 business and 20 households. And within both of those categories, the single biggest type of debt is real estate by far.   Speaker 3 (00:26:31) - So within household debt, it's about 20 trillion. Almost 14 trillion of that is mortgage debt. On the business side, it's about 20 trillion. About 6 trillion of that is commercial real estate debt. So there's never been a time where real estate debt, household and commercial has not been really kind of the driving force of the economy.   Speaker 1 (00:26:57) - You got public sector debt and you got private sector debt. And, you know, it's kind of funny, Richard, if someone asked me what the difference between those two is, there's a few different directions you could go. What I like to tell some people is, well, the government can just print dollars, okay? Everyday consumers in businesses, they don't have that handle. So the government can print dollars and they can call that whatever name they want to quantitative easing. Maybe they want to call it currency creation. But over here, if the individual tries to do something like that, it's called counterfeiting. So, yes, it can be more problematic. Individuals cannot print their own dollars at home.   Speaker 3 (00:27:32) - That's exactly right. And that's why private debt is the area that we should focus more on. If you think about the great financial crisis of 2008, mortgage debt in 2002 was $5 trillion. By 2007, it was $10 trillion. It had doubled in less than five years. And we all now know that was millions of mortgages that it should never have been made. That was mortgages where the individuals had no income, no job, no assets. Those were homes that stood empty for years. And in many cases, they had to get torn down.   Speaker 4 (00:28:10) - Yeah.   Speaker 3 (00:28:11) - If you want to look out for trouble, the place to look is in the private sector debt. And the way to detect it is wherever it's growing very, very rapidly, that's where you're going to have a problem.   Speaker 1 (00:28:23) - So that's therefore a way to help predict economic crises. It's debt growth or I guess you could really call it credit growth as well, right? I mean, both credit and debt are basically the same terms for the different side of a transaction wherever the growth in that is most rapid is really where the economic cracks are.   Speaker 3 (00:28:43) - That's exactly right. And the fact that the Federal Reserve did not spot that in 2005 and six is one of the great stories of our time. They build economic models that don't even include debt as a factor whatsoever. Everybody finds that very surprising. It's called the DSG model, and it models the future of the economy without taking into consideration anything about debt.   Speaker 1 (00:29:12) - Why is that excluded? Mean, I'm a bit taken aback by what you just told me. Think you can tell.   Speaker 3 (00:29:18) - It's the fact. And economists got so theoretical going back a couple of decades that they started separating out financial economy from what they call the real economy. And they just stopped studying the financial economy as kind of a secondary matter to the real economy. The real economy would be, you know, the wheat and the automobile that gets manufactured and so forth and so on. My argument is those two things are inseparable. You shouldn't and cannot consider one without the other. And that's a huge blind spot in our Orthodox economics profession.   Speaker 1 (00:30:01) - Tell us more about how what we've discussed ties in to the thesis of your book.   Speaker 1 (00:30:06) - Richard The Paradox of Debt. What's the paradox?   Speaker 3 (00:30:10) - Paradox is that debt creates wealth, but it also creates calamity. So, for example, in the pandemic, 20 through 22, government debt alone increased by $8 trillion. Household wealth increased by $30 trillion. So the money the government spends does not disappear. It actually goes into the checking accounts of households. So at the end of that three year period, households had 8 trillion more in deposits in their checking accounts. And the flood of new money had pushed up real estate and stock values. So cash in bank accounts increased by 8 trillion, and the value of real estate and stocks increased by 20 something trillion. So households were $30 trillion better off at the end of 22 than they had been at the end of 19. However, most of that, like 80% of that benefit, went to the top 10% of the population. And that's for the very simple reason that most assets, most stocks and real estate are held by the top 10%, like 65% of all the stock in real estate in the country is held by the top 10%.   Speaker 3 (00:31:32) - The bottom 60%, six 0%, only hold about 14% of the stocks in real estate. So for real estate and stock values go up, it's the most well-to-do that get the benefit.   Speaker 1 (00:31:47) - That's right. And it's really the listeners on this show that we want to help take from poor or middle class and help them understand something you said in just a couple of minutes ago, that debt creates wealth, which is a paradox to many. The title of your book is The Paradox of Debt. So here what we often do is get 75 to 80% loans on an income producing property where the rent income meets or exceeds all of the expenses. And this is creating wealth. How is that wealth generated debt? A 75 to 80% loan debt is leverage and leverage appreciation actually makes compound interest look pretty slow. So a very concrete example in a sense of the paradox of debt that we're using right here at Get Rich education. Richard.   Speaker 3 (00:32:31) - You have described something that is not just true about real estate transactions, but it's true about the economy as a whole.   Speaker 3 (00:32:40) - That's the essential analysis. Yeah. And to put some macro numbers on it, in 1980, total debt in the economy, government plus household was 125% of GDP. Today it's 260% of GDP. Yeah. Yeah. And that exact same time span, household wealth, net of debt went from 352% of GDP to 600% of GDP. Debt created. Well.   Speaker 1 (00:33:12) - Yes, those are some astonishing figures. I guess as we're winding down here, Richard, one might wonder, well, where is the ceiling? When is the day of reckoning? When do we reach a calamity? How do we know that there's too much private debt and how does that actually look?   Speaker 3 (00:33:29) - We have a chapter on that very subject in the book there. It's pretty easy to see that there's an end game on the private sector side. And right now we're at about 160% of GDP. We think that that's probably somewhere in the 225% of GDP range here in the United States when there's so much debt that the requirement to service that debt slows the economy down to near zero.   Speaker 3 (00:34:00) - On the government debt, for the very reason you suggested that limitation doesn't really exist, the government could refinance its debt in perpetuity. As we said a moment ago, that ends up in the bank accounts of households anyway. So the thing I look to and I'm concerned about is private debt. Even though if you go flip on the cable news channels, you would think the world's about to end because of our government debt.   Speaker 1 (00:34:26) - Now tell me, am I oversimplifying things here, at least with private debtors, everyday Americans, when an interest only payment on your debt exceeds your ability to service it each month? Is that the path to bankruptcy right there?   Speaker 3 (00:34:42) - You got it. And whatever you say about an individual, you can say about the economy as a whole, because GDP is really just the sum of the individuals and businesses in the US. So if all the individuals and businesses are approaching this, the circumstance you just described, economy is not going to grow well there.   Speaker 1 (00:35:03) - Any last things that you would like to tell us about you very well received book because again, it's called The Paradox of Debt in the subtitle is A New Path to Prosperity Without Crisis.   Speaker 3 (00:35:14) - We cover the same material for the other six largest countries in the world. So if you read the book, you're not just going to learn about the US, you're going to learn about China, Japan, Germany, France, England and India. And I think it gives you the kind of fulsome grounding you need to better understand the news stories that we get such a barrage of every day.   Speaker 1 (00:35:38) - That's right. We need a frame of reference and putting our own more domestic debt into perspective here. Well, Richard, if someone wants to get a hold of the book, remind them of how they can best do that.   Speaker 3 (00:35:49) - Thank you so much. Go to Paradox of Debt or go to Amazon or Barnes and Noble and just search for that and it'll be right there.   Speaker 1 (00:35:58) - Oh, Richard, you've helped expand our debt mindset somewhat here on the show today. It's been great having you here.   Speaker 3 (00:36:05) - It's been such a privilege. Thank you for having me.   Speaker 1 (00:36:14) - A lot of interesting history with Richard Vig today, this great state of Pennsylvania's secretary of banking and securities.   Speaker 1 (00:36:20) - One concept that really hasn't changed throughout history that we discussed there is that inflation mostly benefits those at the top. Again, check out Richard's book at Paradox of debt.com. But yes, real estate, it is still known as an inflation hedge. You still hear that term thrown around a lot but I really try to use a different term not hedge I don't like hedge. Okay. In the investing world, the word hedge means something that you do to offset risks. I don't like that word used with real estate. So therefore, the word hedge that really correlates with a defensive strategy. I mean, hedge, that's probably a better term for gold. Gold is a hedge against inflation. That makes sense to me. But where I draw the distinction is that investment property bought with a loan is not merely a hedge against inflation. That's why when I coined the real estate pays five ways back in 2015, the fifth benefit, it's not called inflation hedging. It is called inflation profiting. Now, if you're only looking at the overall capital price of your real estate, even your own home, well then it's dollar denominated price alone.   Speaker 1 (00:37:42) - Well, that could be a hedge against inflation. But that's only the beginning, because when you get the fixed interest rate debt with it, now you're profiting because inflation debases your debt while the tenant makes all of the payments. And then as your rents rise with inflation, the reason that your monthly profit, your cash flow rises faster than inflation is, of course, due to the fact that your principal and interest payment stays fixed and feels really low over time. That's the inflation Triple Crown that I just described right there. And that's why when you buy investment property, REIT real estate is not just an inflation hedging vehicle, it is an inflation profiting vehicle. And today real estate isn't just scarce. It is still about 60% below the needed supply. And then amidst that, within that, single family homes are even more scarce. And then entry level homes that make the best rentals are even more scarce than that. But here on the show, we connect you with those builders and providers that are making the most in-demand properties available.   Speaker 1 (00:38:59) - Oftentimes these single family homes that are entry level. So therefore, in this environment, if you can get a hold of those, you are going to own a scarce asset that everyone wants. That's what we help you do here. But mortgage rates have been a hindrance for adding investments. But with our referral network here, we have largely solved that problem for you. We have providers that offer 5.75% mortgage rates because they buy down your rate for you less. We're going to show you've heard how a Marketplace income property provider is offering an astounding 4.75% mortgage rate. And although it has some shortcomings, there are also 2.99% seller financed investment properties that you can tie up. Yes. Today. So profit from a scarce asset that everyone wants and benefits from higher inflation. And today it really tilts toward you, often giving more consideration to new build properties because builders, they're the ones that are aggressively buying down your rate for you today. And new builds also have lower insurance rates last year. To make it easier for you, we started our free investment coaching service so contact your investment coach to help get you started.   Speaker 1 (00:40:19) - Some of our more popular markets lately are in Ohio, Indiana, Missouri, Tennessee, Alabama, Florida, Georgia in summer. So whether you like to connect with the provider on your own, if that's what you like to do or if you don't, you can then just utilize our service free of charge investment coaching. You can do all of that at GREmarketplace.com thanks to Richard Vague today until next week I'm your host Keith Weinhold. Don't quit your daydream!   Speaker 5 (00:40:57) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:41:25) - The preceding program was brought to you by your home for wealth building. Get rich education.    

Major League Baseball has made legal filings to compel Diamond Sports Group to declare which of the 12 teams for whom it has local broadcast rights it intends to broadcast in the 2024 season. MLB wants more time to prepare its media landscape after having to scramble when DSG dropped its broadcasts of the San Diego Padres and Arizona Diamondbacks mid-season in 2023. We also look into the intrigue around Endeavor bidding for a piece of the PGA Tour, the sports talk morning show wars, and the Connor Bedard effect on ratings. Later, Ben Pickman, staff writer for The Athletic, joins to discuss the WNBA finals and the state of the league as it looks toward, expansion, its next set of media deals, and the potential for new CBA negotiations in 2025.

VLOG Sept 25: Trump docket, Tish James case before NYS Judge Engoran https://www.innercitypress.com/nyscourts5trumporgicp092223.html 14 AM bids to delist from ballots, Colorado et al. SBF set for Oct 3; DC shutdown Sept 30, UNGA lame and corrupt, DSG with Pras Michel convicted of acting for China on Miles Guo https://www.innercitypress.com/unga2023ajm2icp092423.html

Hey Beautiful people!!! Back once again like a renegade master. Yes I'm back from summer break so try to contain yourselves. I hope you can join me this Sunday at the new time of 10 am UK on Cruise FM. Yes that's right now 3 hours of Paradise. This weeks feature hour back by popular demand is the fantastic sound of Gamble & Huff and the tremendous Philadelphia International records label. As per usual l I'll be bringing a taste of Paradise to the e weekend. The vinyl frontier with cuts from my recent Vinyl excursions plus new music from the Stables of Steve Ripley and DSG and a few cheeky bootlegs. I hope you can join me on this special weekly journey .. Here are the listen links on the award winning Cruise FM. , Now Live between 10am and 1pm

In the 10 a.m hour of the K&C Masterpiece, DSG case ruling and what it means for the Rangers. After a great playoff run, what does reality look like for the Stars going forward? Baseball Nuggets with Mike Bacsik

BIG 12 expansion has been wild over the last few months, but we have told you for months, Gonzaga is a priority target in BIG 12 expansion, and now we know that our reporting in March was exactly right! As national media reports now confirm that Gonzaga has an offer and is a priority target for the BIG 12. What does Gonzaga mean to the grand picture in BIG 12 expansion? Where does Colorado stand in the process of BIG 12 expansion? Who in the PAC 12 is in line to join the BIG 12 if the PAC 12 should not get an acceptable TV rights deal? Our partners at Bucked Up are coming out with their all new protein bars, made with high quality ingredients that taste great! Get a FREE sampler pack NOW! https://offers.buckedup.com/ambbuckbarsampler/?uid_m=426032&l_id=398 What should the Boston Celtics do now? With Jaylen Brown continuing to struggle under the weight of the NBA Playoffs spotlight, is it time to retool the Boston Celtics with a cast of players who can lift Jayson Tatum? Bucked Up Energy is the official energy drink of The Monty Show! Get FREE SAMPLES of Buck Shot! All Day Energy, So You Can Have Your Best Days! https://offers.buckedup.com/buckshotnew/?utm_campaign=ev&utm_source=monty&utm_medium=live The Miami Heat and the Denver Nuggets, it seems anti-climatic when the Los Angeles Lakers and Boston Celtics were in the NBA Conference Finals. Is the Heat vs Nuggets an exciting matchup? Is Heat Vs Nuggets a TV draw? Does this matchup showcase the best teams in the NBA? The Monty Show is presented by The Advocates Injury Attorney's! www.UtahAdvocates.Com 801-509-6823 Mention The Monty Show for a free consultation! Where do you shop for sporting goods, clothing, and shoes? Dicks Sporting Goods posted a significant profit in the first quarter, and it shocked the sports world as DSG has also seen less access to premium Nike products, much like Footlocker, but DSG has found a way to perform. Where do you go when you need sporting goods? For all the best BBQ equipment, rubs, sauces, and spices, go to BBQ Pit Stop online: www.BBQPitStop.Com How much are you willing to spend on your wedding? The cost of getting married is going up, significantly, this year and it's everything from cake to dresses and DJ's ...so how much is too much to spend on a wedding? Are you a believer that marriage is forever, and does that mean you would only be willing to pay for one wedding?

Hello Colorado Rapids fans. This week on Holding The High Line, so many things happened. Rabbi and Red banter about Mark's book, Yapi to the U-20 World Cup, and DSG's redevelopment on the north side. We break down all the good, bad, and big things from two wins in California. Then we discuss the reported investigation into Max Alves being involved in a sports betting scheme. The boys discuss seriously what we know so far, what it all means, and what impact this could have for the player and the club. Then we look ahead to the Philadelphia Union game on Saturday.Holding The High Line is an independent soccer podcast focused on the Colorado Rapids of MLS. If you like the show, please consider subscribing to us on your preferred podcatcher, giving us a review, and tell other Rapids fans about us. It helps a ton.We have a newsletter. Visit our Substack page to read our content, sign up for our newsletter via email, and joining our Highliner club for $5/month or $42/year. That's the best way to support us.Find us wherever you get your podcasts. You can find a full list of pod catchers we're on with links on this Twitter thread. Our artwork was produced by CR54 Designs. Juanners does our music.Follow us on Twitter @rapids96podcast. You can also email the show at rapids96podcast@gmail.com. Follow our hosts individually on Twitter @LWOSMattPollardand @soccer_rabbi. Send us questions using the hashtag #AskHTHL.

Gabrielle Hartley returns to the show to discuss the secret to getting along with others! Gabrielle is co-chair of the American Bar Association Mediation Committee, a divorce attorney, online mediator,  founder of The Private Divorce Solution, and author of "Better Apart: The Radically Positive Way to Separate." Her new book, “The Secret to Getting Along and Why It's Easier Than You Think,” is available for pre-order.  Gabrielle says that when you learn the steps of getting along, there is nothing more satisfying than being in agreement. Listen to this episode to hear how meeting your deepest emotional needs will lead to resolving conflict. Featured topics include: The framework of Gabrielle's YES Method and how it encourages people to get along (12:50) Knowing when to shelve a conversation and take space (19:30) If you can understand what the other person really needs, you can settle almost any argument (24:47) Gabrielle explains what she means when she says, “Defensiveness is the enemy of resolution.” (32:42) The VIR protocol: visualizing how you want things to be (36:14) Learn more about Gabrielle Hartley, Esq.: Gabrielle Hartley is co-chair of the American Bar Association Mediation Committee, a divorce attorney, online mediator,  founder of The Private Divorce Solution, and author of "Better Apart: The Radically Positive Way to Separate." Her new book “The Secret to Getting Along and Why It's Easier Than You Think” will be released this May. She offers a weekly newsletter, The Conflict Code” and hosts The Better Apart Blog and is a frequently quoted media expert in the peaceful divorce realm (The New York Times, Vice, WNYC, Forbes, Psychology Today,etc.) Gabrielle is former court attorney to NYS Supreme Court Judge Jeffrey Sunshine.   While writing her first book, Better Apart; The Radically Positive Way to Separate (HarperCollins2019) she realized that we all need to get along better in all facets of our lives. Gabrielle developed the YES Method based on more than 25 years working as a top divorce lawyer and mediator. The Secret to Getting Along was recently selected as a Next Big Idea Club must-read and her Tedx Talk on her strategy has been viewed over 62 thousand times. Resources & Links: Information and links may also be found at: https://kateanthony.com/podcast/episode-215-the-secret-to-getting-along-with-gabrielle-hartley-esq/ Join me for a special Split UP: The TEEN Years screening event on Friday, May 12th! To secure your spot and get all the details, visit http://kateanthony.com/split. A Conversation about the film Split UP: The TEEN Years with Christina McGhee and Ellen Bruno Gabrielle's website Gabrielle on Facebook Gabrielle on Instagram The Secret To Getting Along and Why It's Easier Than You Think The Secret To Getting Along is Easier Than You Think TEDx Talk TODAY'S EPISODE IS SPONSORED BY: COZY EARTH Cozy Earth is the world's foremost source of high-quality, authentic bamboo viscose bed linens. Listeners can enjoy this exclusive offer from Cozy Earth today: Receive 35% off site-wide when you use the code “DSG” at CozyEarth.com! Thanks to our sponsor, Cozy Earth, and thank you, listeners, for supporting this show! DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Episode 80 of The Hitstreak, a podcast where we talk about anything and everything!  This week we are joined by the Executive Vice President of Dufresne Spenser Group and Author, Drew Maddux!Let us know in the comments what YOU want to hear about next!About our Guest: Ever since he was 5 years old, Drew Maddux has seen images of his future. From a crayon drawing to a mental image, Drew ensured he would do everything in his power to make what he saw for himself, a reality, no matter what. Whether it was learning a new skill, or honing his current abilities, Maddux knew that practice and outworking his competition would take him wherever he wanted in life. From a Vanderbilt Basketball Player, turned Author, turned Coach, to his current role as the EVP of People Development at DSG, Drew has always chosen people over profits. He sees himself not as a pastor or chaplain of DSG, but as a coach. Coach Drew offers a unique perspective on life and the character traits you will need if you want to elevate your life in every aspect. Life is a game and the more skilled we are the more confident we will be at attacking each day head-on.Follow and contact: coachdrewmaddux.com Instagram: @drewmaddux45 About Our Sponsor:RAC Financial has the integration of partner solutions that every business owner needs to be successful. They help make payment processing simple, secure, and reliable by using state-of-the-art tokenization standards that are required of all businesses. RAC Financial cares about you and your business, and they will do their very best to serve you. Your success is RAC Financial's success. They've processed over $3B annually in transactions in less than three years!Get a FREE RAC Financial Cost Savings Analysis for your business here: https://racsignup.com/?ref=nhiterSign Up To Be A RAC Financial Agent here: https://racsignup.com/agent-signup/Sign Up To Be A RAC Financial Affiliate here: https://racsignup.com/affiliate-signup/Learn more about RAC Financial in my interview with Cole Christian, COO of RAC Financial!     • Episode 58: Simpl...  'The Hitstreak' Sponsored by RAC FinancialIntro Produced by Jim McCarthyShow Music Produced by Charles Henry & Ace YoungSpecial Thanks to the Hitlab Creative Team

Paul Gallagher is a Guest Advocate, Results Driver, and coach. Currently the Director of Sales for the Great American Homestore (a top 100 furniture and bedding retailer). Previously in Sales Management for the DSG dba. Ashley Furniture Homestore group (a top 50 furniture and bedding retailer) and a furniture store owner/ operator. The post Ep.76 – Paul Gallagher appeared first on Mark Matteson.

How will your choices about divorce affect your children now and in the future? The creator of the films Split and Split UP: The TEEN Years, Ellen Bruno, says, “The connection between how parents frame the changing family, separation, and divorce profoundly impacts kids.” Split UP: The TEEN Years documents the experiences of teenagers with divorce. Christina McGhee and Ellen Bruno join me in this episode to discuss this new film and share their insights and takeaways for parents and children.   Split UP: The TEEN Years is comforting, poignant, and deep. The children in these films are the best teachers. They provide the opportunity to see how families experience divorce and its impact on children.  Featured topics include: The impetus for creating the films Split and Split UP: The TEEN Years (6:27) How the movie gives parents an unfiltered look into how this experience feels for children (10:58) The choices you make in your divorce now impact children for the rest of their lives (11:45) The greatest gift we can give our children is to rise up, take the high road, and keep them at the center of the divorce (14:37) When the family begins to change, it is important to remind kids that “They are wanted, they are loved, and this is not their fault.”  (33:34) Join us for a special Split UP: The TEEN Years screening event on Friday, May 12th! To secure your spot and get all the details, visit http://kateanthony.com/split. Learn more about Christina McGhee and Ellen Bruno: Christina McGhee, MSW,  is an internationally recognized divorce parenting expert, speaker, and author of the critically acclaimed book PARENTING APART: How separated and divorced parents can raise happy and secure kids and the founder of divorceandchildren.com. Ellen Bruno is an award-winning documentary filmmaker based in San Francisco. With a background in international relief work, Ellen's films have focused on issues at the forefront of human rights.  Resources & Links: Download The Divorce Survival Guide Podcast Curated Podcast Playlist Should I Stay or Should I Go Program - Special Offer! Get $50 off the program, plus a ticket to Split UP: The TEEN Years screening event!  Offer available until April 24th. Visit kateanthony.com/kids  for details.  TODAY'S EPISODE IS SPONSORED BY: COZY EARTH Cozy Earth is the world's foremost source of high-quality, authentic bamboo viscose bed linens. Listeners can enjoy this exclusive offer from Cozy Earth today: Receive 35% off site-wide when you use the code “DSG” at CozyEarth.com! Thanks to our sponsor, Cozy Earth, and thank you, listeners, for supporting this show! DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

“Mom, did Dad cheat on you?” If and when your child comes to you with questions about why you and your ex are divorcing, do you know how you plan to respond?   This week, Christina McGhee joins me to talk about how to walk the line between not gaslighting your children versus not throwing a co-parent under the bus or telling children truths that might be too hard for them to hear. In this episode, you'll hear practical strategies for maneuvering this complex situation. This is an important episode for any parent going through a divorce or experiencing hardships in their relationship. As you listen, please remember to allow yourself grace as you walk this difficult journey with your kids.  Featured topics include: How to communicate with kids about the ‘whys' around the ending of your marriage (4:55) A reminder that you do not need to give a full accounting of your marital issues (13:20) Meet your kids where they're at, and focus on their feelings. (14:08) You don't need all of the answers in order to have a conversation with your children. (20:58) Think before you speak and consider: Do you need to share certain information because your child should hear it or because you feel the need to tell it? (23:02) How to respond when your child says their co-parent is not emotionally available to have a conversation or listen to them, and how to help your kids learn to cope. (25:28) Learn more about Christina McGhee:  Christina McGhee, MSW is an internationally recognized divorce parenting expert, speaker, and author. While splitting up is undeniably hard, Christina believes divorce doesn't have to equal devastation for families. She feels with the right kind of information and support, parents have the ability to be a child's absolute best resource when families change.  Throughout her career, she has educated both parents and professionals on how to minimize the impact of divorce on children. In her book, PARENTING APART: How separated and divorced parents can raise happy and secure kids,  Christina offers parents useful strategies for dealing with the “real-life” everyday challenges of coparenting.  One of her core beliefs is that divorce doesn't make you a bad parent, it makes you a parent going through a bad time.  Because she is passionate about helping parents get through that bad time, Christina also maintains an active coaching practice that allows her to work with Moms and Dads all over the world. Most recently, Christina launched an online program, Coparenting with Purpose. Designed to provide moms and dads with an easy, convenient way to access critical information, it's filled with practical tools and solutions for managing the most common coparenting problems. Additionally, she has contributed to several other media projects as a featured expert, a content consultant, and a writer/producer. Currently, she serves as a consulting producer and subject matter expert for the documentaries SPLIT: A film for kids and their parents and Split UP: The Teen Years, two compelling films that let kids know they're not alone and normalize the many feelings and experiences children and teens encounter when parents part. Over the years, she has been featured on television, radio, podcasts, and in print around the US and abroad. A few places you may have seen her are TODAY Parents, the BBC, The Times, and Parents Magazine. Married for over twenty-seven years, Christina and her husband live outside of Houston, Texas. As a mom of four (two bonus and two bio) children, she has acquired extensive on-the-job training as a chauffeur, negotiator, short-order cook, scheduler extraordinaire, and finder of all things lost. To find out more,  check her out at divorceandchildren.com Resources & Links:Information and links may also be found at: https://kateanthony.com/podcast/episode-211-talking-honestly-with-your-kids-about-their-other-parent Our monthly live Q+A, Coffee Klatch with Kate, is happening next Tuesday, April 11, at 9:30 am Pacific / 12:30 pm Eastern. Register here!Grit & Grace Coaching ProgramPrivate Coaching with Kate Christina's websiteParenting Apart, Christina McGhee Christina on Facebook Christina on Instagram Christina on LinkedIn Episode 209: Sex Addiction, Cheating, and Betrayal with Dr. Rob Dr. Cocchiola's Protective Parenting Program Thank you to our Sponsor: Cozy EarthCozy Earth is the world's foremost source of high-quality, authentic bamboo viscose bed linens. Listeners can enjoy this exclusive offer from Cozy Earth today: Receive 35% off site-wide when you use the code “DSG” at CozyEarth.com! Thanks to our sponsor, Cozy Earth, and thank you, listeners, for supporting this show!  ========= DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.  

Sporting goods guru Matt Powell shares his insights on today's market. We trade thoughts on the industry's biggest brands and the emergence of notable upstarts. Enjoy sports fans!LinkedIn: https://www.linkedin.com/in/mattpowellanalyst/BCE Consulting: https://bceconsulting.com/Listeners, please subscribe to Heavy Hitter Sports wherever you listen to podcasts so that you don't miss any future episodes. And if you are so inclined, please rate and review the show. Many thanks. 

This latest episode of the METUS Tech Show showcases the role of an ASA (Area Service Advisor) at Mitsubishi Electric Trane HVAC US. Jorge Valladares is an ASA who can shred on the guitar as well as support our customers and DSG's out in the field. Whether it's phone support or a site visit, our service team is there to help you when you need additional assistance with your Mitsubishi Heat Pump system.Visit www.mitsubishicomfort.com for information on classes and how to locate a Diamond Contractor in your area.https://www.facebook.com/profile.php?id=100087455906522Thanks for listening! Please visit www.mitsubishicomfort.comContact us at metustechshow@hvac.mea.com

There's bad blood between the Arizona Diamondbacks and Diamond Sports group after DSG missed their final opportunity to make their rights payment. Will MLB be forced to step in and broadcast games? Or will Diamond continue to handle D-backs games through the bankruptcy process? We also have your D-backs spring updates and discuss if Major League Baseball should adopt the WBC's run rule. BUY D-BACKS TICKETS HERE: https://gametime.hnyj8s.net/c/3442941/1410622/10874  SUBSCRIBE to our YouTube: https://bit.ly/phnx_youtube ALL THINGS PHNX: http://linktr.ee/phnxsports  PHNX: Our next PHNX Tee Party at Dobson Ranch is LIVE!  Join us on Friday, March 24th for a night of golf, food, drinks, contests, prizes, and more. Come hang with the PHNX crew, fellow Suns' fans and Diehards as we watch KD, Booker, and the Suns battle in the final stretch of the season as they take on De'Aaron Fox, Domantas Sabonis, and the Sacramento Kings. Checkout the PHNX Tee Party at Dobson Ranch Eventbrite to reserve your spot today. And Diehards, check Discord for your exclusive discount link! Circle K: Text code “PHNX” to 31310 to win a $500 gas card! Limit one entry per person—limit of one entry per phone number. The offer is valid for Arizona residents only. Must be able to verify the place of residence. This contest is administered at the discretion of the Grand Canyon Division of Circle K Stores. Circle K Store Inc. is a part of Alimentation Couche-Tard. You must be 18 years of age or older to win. For questions about this contest or our stores, text ”CARE” to 31310. Rotowire: Get your free trial and unlock all the best fantasy sports news and analysis at https://rotowire.com/phnx OGeez!: Learn more about OGeez! at https://ogeezbrands.com//. Must be 21 years or older to purchase. Four Peaks: Drink, eat, find, and experience Four Peaks at https://www.fourpeaks.com/.  Must be 21+. Enjoy responsibly.  Bad Birdie: Use code “PHNXSPORTS_15” for 15% off your next order https://glnk.io/7qnq/phnx-sports Mor Furniture: Save big on the best furniture in the Valley when you head to https://morfurniture.com! Roman: Go to https://ro.co/PHNX today to get 20% off your entire first order.  When you shop through links in the description, we may earn affiliate commissions. Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Learn more about your ad choices. Visit megaphone.fm/adchoices

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