Podcasts about first city

In this episode of the IC-DISC Show, I sit down with Randy from Trinity Bay Capital to talk about how specialized capital advisory bridges the gap between growing companies and the financing they actually need. Randy spent 17 years in traditional banking at First City and other institutions before moving into capital finance in the mid-1990s. His transition came from frustration with banking silos that prevented common-sense solutions for growing companies. After traveling extensively as a capital finance professional and later serving as president of a bank, he launched Trinity Bay Capital to help companies access everything from asset-based lending to purchase order financing. His approach differs from typical brokers because he pre-qualifies deals using his banking expertise, then targets just three carefully selected lenders rather than shotgunning dozens of institutions. What makes Randy's work compelling is how often he solves problems without charging fees. One client I referred received three competitive term sheets that gave him leverage to renegotiate with his existing bank, getting everything he wanted at no cost. Randy's focus on matching companies with conventional banks whenever possible, even when capital finance would pay higher fees, demonstrates how his business model prioritizes client outcomes over transaction volume. His internal 48-page reference guide of specialized lenders reflects decades of relationship-building across oil and gas, maritime, manufacturing, and distribution sectors. Randy's philosophy that "I don't need to work, I do this because I enjoy it" explains why 75% of his pipeline comes from Texas energy companies that conventional banks won't touch, and why he celebrates when clients find better deals elsewhere.     SHOW HIGHLIGHTS Randy turns down fund management opportunities that would pay more because accepting them would recreate the banking silos he left to escape. Trinity Bay Capital targets just three carefully selected lenders per deal instead of shotgunning 12-20 institutions, achieving 95% term sheet success rates. A construction mat company couldn't get financing because their primary assets wear out quickly, until Randy found lenders who advance directly on depreciating equipment. Randy helped a frack pipe manufacturer secure $30 million after eight conventional banks declined, simply by knowing which bank was allowed to do oil and gas deals. One client found a better deal independently, and Randy celebrated it instead of pushing his commission, telling him "as long as I can work with you, that's awesome." Randy's success fee from conventional banks is often reduced compared to capital finance companies, but he always takes clients there first because it's what they deserve.   Contact Details LinkedIn - Randy Gartz (https://www.linkedin.com/in/randygartz/) LINKSShow Notes Be a Guest About IC-DISC Alliance Randy GartzAbout Randy TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Randy. How are we today? Randy: We're doing great. How are you? Dave: I am doing great. Thank you. Where are you calling in from today? What part of the world are you in? Randy: Houston, Texas. Dave: Okay. Me as well. So I was just trying to think, how long have I known you? I think it's been over 20 years. Randy: It's been since the mid nineties. Dave: Has it been that long? Wow. So more like 30 years. Randy: Yes. Dave: We're getting old, my friend. Hey, I look a lot older than you did. That's subjective. So I've got some questions for you. Some I think I know the answer to, some I don't. Why don't we start? I'm a sequential learner. Let's start at the beginning. Where are you from originally? Are you from Southeast Texas? Originally? Randy: I'm an Air Force brat and I was born in El Paso, Texas. Dave: Okay. Randy: And we moved about every two years after that until I was in high school. Well, actually in high school I was at three different locations. And then starting from college on Texas a and an, I've been in Houston ever since. Dave: Why did I forget that you're in Aggie? Because where I went to school and I guess we've been able to get past that. Randy: I don't talk about that much. It's probably one of the main reasons a and m was good to me, but in my past. Dave: Yeah, no, I hear you. I'm just having fun with you. So I suppose moving every two years, that will help you learn rapport, building interpersonal skills, I suppose. Randy: Absolutely. That helped me go to city to city when I was traveling for capital finance companies and just introduce myself about a problem and just, hi, how are you? Who are you? What do you do? So yes, absolutely. Dave: So your degree from Texas a and m? Finance. Randy: Finance. And then I went to U of H and worked on an accounting degree. Dave: Okay. So what was your first job out of college? Randy: Oh, it was at credit training program for First City and Texas. Dave: Oh wow. They really had a great training program, didn't they? Randy: Two years long. Yeah, absolutely. We were working sometimes seven days a week and Saturday and Sunday the air conditioner wasn't working, wasn't on in building. And it's enough like it is today. Dave: No, I remember when I was at Arthur Anderson working one of our clients' weekends, those high rises had air conditioning on the weekends. You had to pay for it and we were not, were deemed worthy of air conditioning on the weekends. Randy: That's right. That's right. Dave: So you started out at traditional banking, Randy: Started at traditional banking, did that for about 17 years. First City and all of its precursors. First city in bank. Bank one, they finally sold to Chase. And then right after they sold to Chase, my manager at the time had gone to a capital finance company and he asked me to follow 'em. And that's when I got involved with Capital Finance. That was back in mid nineties. I enjoyed it. I enjoyed being on help companies. It wasn't like you're in silos at banks and the regulators can only allow you to do so much that there's so much more out there for companies to be able to provide them with growth capital, turnaround capital, acquisition capital that most people, most CFOs don't even know. And so I really enjoy that. I went back to conventional banking when I'm woman by the name of Mary Bass and I think you might know her. Dave: I know Mary. Yeah. Randy: She followed me for two years trying to get me to go to Redstone. Randy: Redstone was a small little bank. I didn't want to have anything to do with it. I didn't want to go to back to banking after I'd gone to Capital Finance and after two years of her calling me every two, three days a week when I was traveling three and a half weeks out of every month for four years Earth saying stuff like, rainy, where are you? When's the last time you saw your son pitch? When's the best time you were with your wife? What'd she do tonight? It's like, Mary, I'll interview. I've got to know that if I say no to this interview, you're not going to call me anymore. Well, I went on an interview, I met with David Chin Decker and he got me to go back to conventional finance and it was a good thing at the time, both he and Bob Hendrickson, who was president at the time of Redstone, had both grown up in the national division of First City's asset-based lending. Dave: That's Randy: What they were trying to bring over to this very small bank. We grew that bank from 58 million to 1,000,000,002 in three years. Dave: That is serious growth Randy: And most of those customers are still there. So it worked. But when you go on to other banks and all the silos that they have, you can't grow. You can't help companies as much as you would like if you know what's available. And I don't mean that to be mean to conventional bankers. Conventional bankers, I have all their respect or I respect them tremendously, but I just think that don't know what's still available. So Dave: It's Randy: Right going out there and trying to educate them to know, Hey listen, if you can't do this, here's what we can do. Dave: Yeah, no, I get it. And I know that as is typical in the banking business, most bankers don't serve at one bank for 40 years. There's always movement. And what I'd like to do though now is I'd like to skip forward to your May gig. I mean, I think the bottom line takeaway was your career was split between traditional corporate lending from the banker level all the way up to senior executive level. You've done the capital finance piece. It sounds like you wanted to create a new combination, new offering to the marketplace. So talk to me about what prompted you to start Trinity Bay Capital. Randy: I think, and I won't name his name, but I had just come back one day from booking an $85 million deal. I was by myself. I was doing all the settlement work. I was there for eight hours at this closing. And when I came back to the bank with all the paperwork and I walked in and I was really happy we got a large deal done, which eventually turned into a much larger deal. The first words out of my president's mouth was, Randy, any more deposits well understand. But this was a pretty good deal. And that together with all the silos that conventional banks have, the inability to do things that should be done, common sense things, but just conventional banks can do because of the regulators and because you can't put a hundred bankers out there and just let them be run out there and do everything they want to do. You can't do that makes conventional bankers conventional. But after being an capital financed group and also being at Redstone's Mezzanine and Equity Group, it taught me all the additional options that we have out there to be able to provide. So I thought at the time I was 63 years old, do I want to go to another bank? Am I tired of these silos? Yes, I am. I decided to just start my own company. I've been asked to take on funds and be able to lend our own money, but that would put me right back in the silos. Dave: Sure. Randy: I just enjoyed helping companies. It just makes me happy. And I wake up every morning, I come upstairs to my third floor office overlooking the bay and no silos, no having to sell every little credit card option that's out there. It just makes me happy. And so I know David, I don't know what I'd do if I retired. I never even considered it. I am enjoying what I'm doing now. I'm happy where I'm at and I'm happy making people happy. Dave: That is awesome. So help me understand who's like your ideal customer? What are the characteristics of the person you can help the most Randy: Fast growing companies, I mean, when you think of me as a broker, which I hate the term, there's 55,000 brokers out there. I trust five. Understood the difference. Lemme first start with the difference. The difference is that I've run credit departments, I've been on credit committees, I've been ping a bank. I know what banks can do and what they can't do. So when a bank can't do something, that is who should come to me, Dave: That Randy: Is who the banker should send me to. And it's not just because it's turnaround, it's not because they're in trouble. Maybe they're growing too fast, the lines of credit are going to be diminished, convince somebody just can't liven to leverage themselves up to the extent they need to take on the growth that they're seeing, acquisition growth where they're going to have to leverage your company with asset base collateral. Those are the type of things that we can do so we can actually help really good companies. For example, and unfortunately I say unfortunately for me it is, but 75% of my pipeline is oil and gas. I've been in Texas for 45 years. Oil and gas just follows here in Houston, Texas. And so just they call me that and maritime. So those two industries really can run our business alone. Although I would much rather have a lot of other manufacturer distribution and service companies than a lot of those companies. A lot of those CFOs owners of the companies, they have no clue what is available out there or why they can't get financing at the time. Maybe that's changing today, but at the time a lot of banks weren't allowed to venture into oil and gas. Oil and gas is a very cyclical industry, Randy: The ups and downs. If you don't do an oil and gas company in an asset based selection, you're bound to have trouble later on when the SLE falls because a lot of those assets can disappear. Randy: But on an asset based business, conventional banks can't do that. But not a lot of conventional banks are allowing their asset based lenders to do it today. So for example, I had a company that was a pipe manufacturer. They supplied from the pipe all the way to the dynamite and they had gone to eight different conventional banks, been declined every single time. When they came to me, I asked them, who'd you go to? Well, none of those guys have been to your deal because they're not allowed to. Their ownership was not allowing to do it. Took 'em to the first bank that I knew would do it, and we got that deal closed this year. A 30 million line of credit was with a $20 million accordion and well potential accordion they didn't need at the time because they were on the downhill run. But that bank knew how to do it. That bank, that lender knew how to do it. We knew who to go to. That deal got done. Dave: So let me just take a step back to make sure the audience understands. So your company doesn't actually yourself lend money. You're basically an intermediary between the capital markets, I guess primarily debt markets. Do you guys do any equity? Randy: We do some equity on the oil and gas side. I don't have that many providers on manufacturing distribution service, not oil and gas. Dave: It's mostly, yeah. And impart of what makes you unique is that you have, because of your background, you're able to match up the deal with the bank and want it simple Randy: For probably over 35 years. 35 years ago, a man by name of John Flatow at that time was at Briggs. Dave: Yeah, Randy: Put out this spreadsheet for me. And on the vertical column it had all of his customers on the horizontal column. It had everyone they could refer him to. What that did for me was realize that in the capital finance side where I was traveling throughout the United States, Canada, and sometimes Mexico, I was relating with so many financial providers and I've started taking down names and I've got a book, single page, probably 48 pages now of who does what likes, what their rates are, what their structure is. And so what makes us different than most other brokers is that, number one, I know what a bank can do and what they can't do. Randy: And when banks, we put together or I request all the financial information, all the documents that a banker would need in order that a financial officer would need, we put that together. We do our own pre-flight, which most all bankers now need to do to get credit to allow them to offer term sheets. We decide where the risk level is of each one of our customers after we decide if we can help 'em or not. Some customers don't have cash flow, they don't have collateral. Those two items combined make it a tough deal, impossible deal to do. But if they haven't waited too long, they're still survivable. There's so many options. We put together a pre-flight and then I go to that book and then we decide three up to three opportunities to take these financial providers. The difference between most brokers is most brokers don't know what they're looking at, don't know what's available, and they just chunking it out to 12 or 20 different institutions hoping something sticks. Randy: We go to three 95% of the time, we'll get three term sheets. Those are going to be at the right rate that the customer deserves and they're going to be the right structure. And then we take the closing and after closing, we help them negotiate or before closing, we help them negotiate the documents. We help 'em negotiate their term sheet and we get them through the entire process. Because most CFOs, well, I'm not going to say most, it's surprising how many CFOs don't know what's possible, don't know why a conventional bank can't help them and don't know why this other opportunity that's going to be 2% higher or more if the company's risk level is higher, why they have to do that. Many times, David, we'll have someone say, no, we're not going to take any of those term sheets. They're just too high. That that just doesn't make any sense to us. The structure's too tough, the administration's too tough. Okay, well get to more banks, go to more conventional banks, see if you can get your loan and if you can't come back, and that's where it's an education. It's an education that these CFOs need to go through it and they need to understand it to instruct their owners why they're doing what they're doing. Dave: And so you only get paid if you're able to successfully, Randy: We only get paid at closing at the closing table. We'll either obtain a success fee if it goes to conventional bank because if it goes to conventional bank, that's where I'm going to take it. That's what the client deserves. And it's always going to be a lower rate. It's always going to be less administration. And if I can do that, that's a win. Even though our fees are a lot of times going to be reduced because it's going to conventional bank and for that banker to be competitive, they can't pay our full fee. But if it goes to a capital finance company, the capital finance company is who's going to pay us. So the other doesn't have to pay us. If it goes to a capital finance company Dave: And if it goes to a bank are they Randy: Say bank, we need a success fee agreement Dave: From the Randy: We're going to be able to invoice the bank and at closing they'll pay us. Dave: Okay. So my listeners like stories. So let's talk about some examples. And again, I'm sure the client name will be anonymous, but give us just some stories to give us a sense of the types of deals that you guys can do. Randy: David, I'm going to throw out one that you referred to me yourself in front of some of your clients Dave: And Randy: We had a nice little discussion and at a later date, one of your clients called me for help. Dave: Yep, I know who you're talking about. Randy: Well, what we ended up doing is finding three other banks that could have helped him. Conventional banks. The client was definitely bank worthy, but his existing bank wasn't really working with him as much as they should have. While the client wanted the release of his personal guarantee at the size level that he was at, I had to educate him and convince him that since you're making every decision, you rule the company, you can do whatever you want to do with the company. They're going to want your personal guarantee to make sure that you stay in long. Randy: But that on the side, he deserved everything. He was, everything else he was asking for. He deserved a lower rate. He deserved a re amortization. So when he received the three term sheets that we provided him from other conventional banks, he went back to his existing bank and said, this is what I've got. And he got everything he was asking for the release of his personal guarantee. Well, he offered to pay me. There was nothing I could, I didn't do much. I didn't do anything extraordinary. It didn't take long to realize who he should be working with. So no charge. He went back to his original bank, got what he wanted and everybody's happy. So that's point. Dave: I know he was very appreciative of that. And that really goes to show the power or the ability you have to help clients. I mean, you effectively made a couple phone calls, I'm simplifying it, but you reached Randy: Out, it wasn't much more. Dave: You reached out to a couple people. You told 'em, Hey, this is a bankable deal. Their current banks may be taking advantage of 'em or doesn't see how bankable they really are, and this may be an opportunity for you. They threw out some turn sheets that was a wake up call for his current bank and they went ahead and because of the leverage he had of the other term sheets, his current bank suddenly became more reasonable Randy: And for no cost at all. He didn't have to get any appraisals, he didn't have to go through the underwriting process. The existing bank helped him. And yeah, bank that he was at is known as one of the most conventional banks in Texas. That's where he deserved to be because he deserved it. Dave: And I know of which bank you speak. Okay, well that's helpful. What about a deal, an example of somebody who wasn't as bankable and yet to go to the capital finance markets. Do you have an example of a deal like that? Randy: Sure. And it's not just because, I mean the company was doing well, but they were a provider of construction mats. So in other words, utilities are being put in, it's really muddy. It's been rainy. They provide their huge construction mats, large yellow equipment can go over, can drive over and not get stuck in the mud. Those mats are not that usable as collateral because they wear out real quick. Sure, sure. So who's going to do that? So we found a few companies that were willing to advance on those mats directly. Their existing company wasn't, their existing bank was not going to give them any more availability. If this company is growing and once we found them additional availability, the company has been able to grow. It's been able to find additional equity if they want it because once it started growing, they exists, said, I'm happy you're uncle and hunting. So they didn't want to do everything that we expected them to do was to go out and acquire other companies. We could have helped 'em grow to 200, $300 million. Dave: I've got you. Randy: Leon owner Dave: Just wasn't interested in Randy: All of a sudden the pressure was off his shoulders. I've got a great family, everything's taken care of. We're good. Dave: Okay. Randy: Now the issue with that is during the next dry season, he's not going to have the working capital to continue what he's doing. Dave: Right, right. Randy: He'll come back. Dave: Yeah. Randy: We expect that he'll come back. Dave: Okay. Randy: Is that what you were looking for? Dave: Yeah, yeah. Yeah. So I think you've kind of answered this question indirectly, but let me just ask you directly. So what is it that you enjoy the most about serving your clients in this capacity with your own gig? What do you enjoy the most about it? Randy: Well, even in my conventional bank days, I've always enjoyed ringing the bell and a deal gets done when we get a customer what he wants. And that is always endless. A struggle thing I can do. Dave: Yeah. Yeah. I knew that's what you were going to say. I know you John Flatow me, my wife. I mean we all relish serving customers in helping solve business problems for them. So that answer does not surprise me. Randy: Great. Dave: So that's coming from your perspective, what makes you different? What do your clients tell you about what makes you different? What are some feedback you've had from your clients? Randy: Well, we have an existing client right now that we're going to help him get purchase order financing Dave: And Randy: We're going to provide him an asset base loan and they purchase order facility on the side. And he found a conventional bank that agreed to do his deal that no other conventional bank would ever done at a fantastic rate, gave him 15 million instead of the 5 million he was asking for. Dave: Wow. Randy: Yeah. But he went there and he called me to tell me, Randy, I'm sorry I got bad news for you. I said, no, you found a great deal. As long as I can work with you. That is awesome. We'll get you the PO financing you take care of closing that deal at that bank and if they can't service it in the future, we'll take you back to through the banks that want to do it. Fact. That's great. That's still fine. So before he hung up, he said, Randy, you've really surprised me. I knew you wanted the sale of the asset based loan, but you're happy for me. You got the deal you wanted. I don't need to work. I do this, I enjoy it and it's I going to get the company the best thing I can get 'em. That kind of goes back to why did I start my own company, the stand my own company? Because conventional banks can't always do the common sense thing that the company means or we're doing it here. Dave: No, that is awesome. Yeah. I remember when you reached out to me and you started, I remembered thinking what a great fit, what great service you're offering that you're able to bring all of your expertise and because really what they're paying you for isn't your time, it's your knowledge is what they're really paying you for. They're not paying you for your time to reach out to 20 banks. A less the experienced person would do it is like the joke about the factory machinery that was down and they called in an engineer the story and he looked at it and he turned one screw, like half a turn and then gave him a $10,000 invoice and the owner was flabbergasted, why so much money? I need a detailed invoice. And his detailed invoice was turning the screw $1, knowing which screw to turn, $9,999. It's kind of the same way. Right? They're really paying you for your knowledge and your relationships, right? Randy: Correct. Absolutely. Dave: So what else, as we're kind of wrapping up here, what did I not ask you that you wish I had or I should have asked you? Randy: David, you're very good at what you do. You've asked me all the right questions. I've been able to tell you what we offer, why we're different, what we do. You've covered it. Okay, Dave: Well good. Well, I know you have helped many of my clients over the last 30 years in all of your different capacities, so I just wanted to thank you for that. You've always made me look good with my clients when I say, Hey, let me introduce you to Randy. Randy will take care of you. And that always makes me look good like this client, you had mentioned that you basically gave him leverage to renegotiate with his current bank. He'd been working on this problem for years and just was kind of hitting a wall because he sensed he could get a better deal, but he didn't really know how to go about that. He didn't really have the time and he didn't know if he just starts in the Yellow Pages. Well, I guess we don't have the yellow pages, but just starting at the eighties and just start calling all the banks. And then the problem is who you call at each bank. You can't just go to a retail branch and talk to the retail branch manager. So yes. Anyway, I appreciate over all these years you making me look like a star. Randy: You are one. David, I promise. Thank you for this opportunity. Dave: So I've got just one, two more questions and they're both fun. One is, if you could go back in time and give some advice to your 25 or 30-year-old self, what advice might you give to yourself Randy: And do what I'm doing now earlier? Dave: Yeah. That's the number one answer I get from my entrepreneur clients because almost, or my guest, almost all my guests had a similar path. They didn't just graduate from college and start their business. They didn't know, they didn't have any experience that always worked for somebody else for a while. Then they went on their own and they always have the same regret. They wish they'd been more courageous and done it sooner. So last one more. We're in Texas TexMex or barbecue? Randy: TexMex. Dave: Yeah. Randy: But worthy, I'll probably have both every week. Dave: Yeah. What's really good is if you find a place that's got great brisket tacos or brisket enchiladas, that kind of gives you a sense of both. So here's what a guest told me that I would have to agree with. He said it depends if it's average, I'm going to take the Tex-Mex. He goes, if I know that the option is too the barbecue place that's exceptional, and a Mexican restaurant that's exceptional, I take the barbecue because he said Tex-Mex has more capacity, more tolerance for average use, right? I mean, average Tex-Mex is still good, but average barbecue, not so much. Randy: I agree you 100%. Dave: That is great. Well, Randy, I really appreciate you taking time and I'm really excited to hear about what you're doing now and hopefully this episode will cost some people to reach out to you. We'll have your contact information in the show notes. So thanks again, Randy. Really appreciate it. Randy: Thank you David. Really appreciate it. Dave: There we have it. Another great episode. Thanks for listening in. If you want to continue the conversation, go to ic disc show.com. That's IC dash D-I-S-C-S-H-O w.com. And we have additional information on the podcast archived episodes as well as a button to be a guest. So if you'd like to be a guest, go select that and fill out the information and we'd love to have you on the show. So it we'll be back next time with another episode of the IC Disc Show. Special Guest: Randy Gartz.

David and Will consider gubernatorial candidate Katie Porter's trouble with humans and the prospect of co-parenting your kids with Governor Gavin Newsom. Music by Metalachi.Email Us:dbahnsen@thebahnsengroup.comwill@calpolicycenter.orgFollow Us:@DavidBahnsen@WillSwaim@TheRadioFreeCAShow Notes:How Berkeley Became the First City to Ditch Columbus Day for Indigenous Peoples DaySonoma State president on leave for ‘insubordination' after supporting anti-Israel boycott, divestmentA California Campus Brings Anti-Israel Activism to Its Jewish Studies ProgramViolence erupts at UCLA as protests over Israel's war in Gaza escalate across the U.S.Confrontation erupts at dinner for law students at UC Berkeley dean's home‘Get out of my f--king shot': Katie Porter tears into staffer in newly released videoKatie Porter targeted ‘softer spoken' underlings for abuse, was ‘downright mean', ex-staffer warns votersNewsom's Forced-Density Fix Won't Solve California's Housing CrisisNewsom signs controversial bill letting relatives care for kids if parents are deportedMarking World Mental Health Day, Governor Newsom signs AB 727 to make mental health resources more accessible to LGBTQ youthCalifornia Assembly Looks to Hand Children to Traffickers and Gender ActivistsGovernor Newsom signs bill expanding fuel options to cut gas pricesOil prices prediction: Brent, U.S. crude crash to lowest since May. Experts predict what to expect‘Slap in the face': Marc Benioff's Trump turn stuns San FranciscoBenioff appears to back off calls to send National Guard to SF, but sparks response from MuskArts Uproars: Open, Shut, Fired, Down for the Count, and Nowhere to Be Found Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tonight on the KRBD Evening Report….UAS Ketchikan opened a new nursing lab and we'll hear what that means for the community, the First City has had a wet September and the rain isn't expected to let up any time soon, and Alaska is now included in a national database that tracks and maps landslides.Those stories and more coming up…

Send us a textIn a year about 500 members of First City Credit Union in Pasadena die.  It's a credit union with 57,000 members.And what happened after the member's death?On the show is Saeid Kian, CEO and co-founder of Ribbon, a fintech that has developed a tool kit to help credit unions speed up the process of settling a member's estate and also - this is huge - helping the credit union retain some of those assets on its books.Also on the show is Nav Khanna, CEO of the $900 million First City Credit Union and his is the first credit union to go live with Ribbon.Why did he agree to be the first? What benefits has First City seen?  Know this: at most financial institutions the process of handling a deceased member's accounts is labor intensive.  It annoys the heirs and very likely it also annoys the credit union employees who are tasked with handling the estate.Saeid knows this first hand because the idea for Ribbon grew out of his own frustrations in settling his father's estate - a process that took many frustrating weeks.  There had to be a better way, he thought, a way that worked better for the heirs and maybe for the credit union too because the heirs no longer would leave the institution with a settlement check in hand and with the intention to never again deal with that institution.And Nav tells us it's really working at First City.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In this episode of the Trend Talk series, a companion podcast for APA's 2025 Trend Report for Planners, Joe DeAngelis, AICP, research manager at the American Planning Association, chats with author and urban planning professor Justin Hollander, FAICP. Listen as they examine the potential for human settlements on the Moon and Mars, and discover the unique challenges and ethical questions that come with planning cities beyond Earth. Hollander also shares insights from his book, First City on Mars: An Urban Planner's Guide to Settling the Red Planet, discussing the opportunities for planners in the expanding space industry and the lessons we can learn for urban development back on our home planet. Episode URL: https://planning.org/podcast/the-role-of-planners-in-space-exploration-with-justin-hollander-faicp/

Sponsored by The Great Observatory Of Rathess, we know you'll come and visit, we've seen it in the stars   Our Lunar Circle makes their way to Rathess, the First City, where they are welcomed as saviours by the Dragon Kings. The gods have abandoned them despite their many human sacrifices. Rathess will fall tonight, the stars have deemed it so. But the question remains - will it be filled with corpses of the once great lizard race, or will the heroes be able to save them from the upcoming doom? The smell of fall and windchimes fills the air…

Another member of the Ketchikan School Board resigns. A Canadian mining company sets its sights on Juneau. A traveling art exhibits plans to visit the First City this summer.

“Israel built an ‘AI factory' for war. It unleashed it in Gaza,” laments the Washington Post. “Hospitals Are Reporting More Insurance Denials. Is AI Driving Them?,” reports Newsweek. “AI Raising the Rent? San Francisco Could Be the First City to Ban the Practice,” announces San Francisco's KQED. Within the last few years, and particularly the last few months, we've heard this refrain: AI is the reason for an abuse committed by a corporation, military, or other powerful entity. All of a sudden, the argument goes, the adoption of “faulty” or “overly simplified” AI caused a breakdown of normal operations: spikes in health insurance claims denials, the skyrocketing of consumer prices, the deaths of tens of thousands of civilians. If not for AI, it follows, these industries and militaries, in all likelihood, would implement fairer policies and better killing protocols. We'll admit: the narrative seems compelling at first glance. There are major dangers in incorporating AI into corporate and military procedures. But in these cases, the AI isn't the culprit; the people making the decisions are. UnitedHealthcare would deny claims regardless of the tools at its disposal. Landlords would raise rents with or without automated software. The IDF would kill civilians no matter what technology was, or wasn't, available to do so. So why do we keep hearing that AI is the problem? What's the point of this frame and why is it becoming so common as a responsibility-avoidance framing? On today's episode, we'll dissect the genre of “investigative” reporting on the dangers of AI, examining how it serves as a limited hangout, offering controlled criticism while ultimately shifting responsibility toward faceless technologies and away from powerful people. Later on the show, we'll be speaking with Steven Renderos, Executive Director of MediaJustice, a national racial justice organization that advances the media and technology rights of people of color. He is the creator and co-host, with the great Brandi Collins-Dexter, Bring Receipts, a politics and pop culture podcast and is executive producer of Revolutionary Spirits, a 4-part audio series on the life and martyrdom of Mexican revolutionary leader Francisco Madero.

The Venetian Empire https://pca.st/de12dt4r minhas fotos de Veneza https://www.flickr.com/photos/renedepaula/albums/72157625251392076/ The World's First City https://pca.st/wuite5fn Gilgamesh https://en.wikipedia.org/wiki/Gilgamesh Inanna https://en.wikipedia.org/wiki/Inanna canal do radinho no whatsapp!https://whatsapp.com/channel/0029VaDRCiu9xVJl8belu51Z meu perfil no Threads: https://www.threads.net/@renedepaulajr meu perfil no BlueSky https://bsky.app/profile/renedepaula.bsky.social meu mastodon: rené de paula jr (@renedepaula@c.im) https://c.im/@renedepaula meu “twitter” no telegram: https://t.me/renedepaulajr meu twitter http://twitter.com/renedepaula radinho no telegram: http://t.me/radinhodepilha aqui está ... Read more The post a sereníssima Veneza e Uruk, a primeira cidade do mundo appeared first on radinho de pilha.

In as early as 5000 BC the vast and spectacular city of Uruk - replete with towering walls, glistening temples and complex irrigation systems - lay sprawled across the face of Southern Mesopotamia. Not only is Uruk the oldest city in the world, but it is arguably one of the most consequential, having facilitated one of the great turning points of human civilisation. Here, in this mysterious metropolis lay the origins of urbanisation, making Uruk the predecessor and antecedent of every modern city today. It was the cradle of formidable trading networks, sophisticated craftsmanship, agricultural prosperity, the earliest examples of writing, and even home to the very first person in human history to be named. Yet, by 700 AD this once great wonder of the ancient world had been abandoned, leaving nothing behind but haunting ruins and two burning questions: firstly, how did this marvel of urbanisation come to exist, and secondly, what led to its ruin? Was it colonisation, climate change, or conquest…? Join Tom and Dominic as they discuss Uruk, the first city in the whole of world history and the mother of modern urbanisation, revealing the remarkable tale of its discovery, its mysterious origins, and equally enigmatic decline. _______ Twitter: @TheRestHistory @holland_tom @dcsandbrook Producer: Theo Young-Smith Assistant Producer: Tabby Syrett Executive Producers: Jack Davenport + Tony Pastor Learn more about your ad choices. Visit podcastchoices.com/adchoices

The City of Ojai, California, became the first in the U.S. to ban tortured breeding. With PETA's help, the Companion Animal Protection Ordinance is a reality, following the example in many European countries. The new law stops the growth of BIBs and keeps breeders at bay so that animal suffering can end. What's a BIB? Listen now. The PETA Podcast PETA, the world's largest animal rights organization with all its global entities, is 9 million strong and growing. This is the place to find out why. Hear from insiders, thought leaders, activists, investigators, politicians, and others why animals need more than kindness—they have the right not to be abused or exploited in any way. Hosted by Emil Guillermo. Powered by PETA activism. Contact us at PETA.org.  Music provided by CarbonWorks. Go to Apple podcasts and subscribe. Contact and follow host Emil Guillermo on X@emilamok Or at www.amok.com Get this micro-talk show at www.patreon.com/emilamok. Get this podcast at www.YouTube.com/@emilamok1 Please subscribe, rate, and review wherever you get your podcasts.  Thanks for listening to THE PETA PODCAST! (Originally released Oct.30, 2024 ©copyright 2024

Confident. Certain. Poised. Prepared. Jorge Garcia, a first-time city manager in Pismo Beach, California, embodies all of these adjectives. He has spent many years readying himself for this moment -- his first assignment as a chief executive officer for a municipal corporation. He is only one year into his tenure, but as you listen to this interview, you will come away with the impression that he's sat in "the chair" for a decade plus! Jorge is the next generation of public sector leadership and he models a wonderful example for those aspiring to become city managers. There are several really good nuggets in this conversation and in particular, his communications strategy with his elected officials designed to build trust and create confidence. SHOW NOTES: Jorge Garcia's LinkedIn profile Pismo Beach public works director vacancy with an 11/15/2024 application deadline can be found here: https://www.governmentjobs.com/careers/pismobeach EPISODE SPONSOR: This episode is sponsored by KUDO. Make your council meetings accessible with translated audio and live captions into 45+ languages. EXCLUSIVE OFFER: Only listeners of the City Manager Unfiltered podcast can sign up for a FREE, no risk, no obligation one-month trial offer. Use this link: https://kudo.ai/cmu/ SUBMIT JOB POSTING: Do you have an executive or senior level vacancy in your organization? Use this form/link to submit your job listing in my weekly newsletter for just $100: https://forms.gle/ceMzWqeLwiRFRAGj9 SUPPORT THE PODCAST: Subscribe to my FREE weekly report of city and county manager resignations, terminations, and retirements (RTRs) at this link: https://www.linkedin.com/newsletters/city-manager-rtrs-job-board-7164683251112992768/ If you would like to support the podcast by making a donation, please use the "Buy Me A Coffee" link. Please rate and review the podcast on Apple or your preferred platform if you enjoy the show. It helps tremendously. But more importantly, refer your friends and peers to podcast through personal conversations and posts on your social media platforms. Joe Turner's LinkedIn Page City Manager Unfiltered YouTube Page - Subscribe Today! Note: Page may contain affiliate links. As an Amazon Associate I earn from qualifying purchases.

Our Fall sermon sermon series "The Good Life in Babylon" will walk through the idea of "the City" in the Biblical imagination. These nine teachings will take us from Genesis to Revelation and offer us plenty to chew on as we seek to live faithfully in these strange times. "The First City" tells the story of Cain, who murders his brother and is banished from his homeland. It is an epic myth that lays at the foundation of the Biblical story, and one that offers us a powerful pattern through which we can understand the City in it's many manifestations. We hope you'll listen along to all nine sermons, and find yourself inspired to live a good life in your own place.

 "It's just so close to my house, how can you not feel that sort of pain?" This morning, continued coverage of Ketchikan's weekend landslide, as residents of Alaska's First City express their shock and grief over Sunday's natural disaster.See omnystudio.com/listener for privacy information.

This weekend takes us ABOVE the mitten, as we travel across the Mighty Mac and head to one of our favorite places in Michigan's Upper Peninsula, Sault Ste Marie."Where Michigan history was born" is an apt tagline for this city that resides along the St. Mary's River, as it was founded way back in 1668 by one of Michigan's favorite explorers, Fr. Jacques Marquette. Today, the "Soo" is best known for their famous locks, which transport some of the biggest freighters in all the land between Lake Superior and Lake Huron.Our good friend Linda Hoath from the Sault Ste Marie Visitor's Bureau kicks off the show, and as one of our regular guests, you know we'll have a great time. Linda shares a little about what makes this community so special, she is a life-long resident, and a true advocate for all that this area has to offer. Linda also gives us an update on the incredibly large construction project that is underway, as they transform two of the older, smaller locks into one gigantic one that can handle larger boats. It's quite an engineering marvel.To get a great view of this project, we recommend a trip to the top, 210 feet up in the air, at the Tower of History. We stopped by for the very first time and while we were very impressed by that panoramic view, we were even more impressed with the curator, Paul Sabourin. Sometimes you get very lucky and walk into an interview and strike absolute gold, which is exactly what happened when we met Paul. A passionate storyteller, this man regaled us with stories in three languages: English, French and Ojibway. Now that I'm thinking about it, he might have also told a joke in German at one point. Head to the Tower to learn more about the Native Americans in this area and the settlers that came later, meet Mr. Paul himself and check out that absolutely incredible view.In order to see the locks in action,  you just have to do a boat tour, and our friends at the Original Soo Locks Boat Tours are some of the best. Celebrating 90 years of being on the water, the Original Tours are open every day of the summer. Shiela Marchand joins us, she is currently the business manager for the company, but she started off at the ticket counter when she was in college. Best part of her job is giving tours, she loves that they do live narration on each and every tour, so you can ask all the important questions you have about the locks. The Original Soo tour is a must do when in da Soo.Finally, we catch up with our good friends Ken and Wilda Hopper, who own the uber-popular Bird's Eye Outfitters.If an adventure is what you are looking for in the Soo, Bird's Eye is where you want to go. They can help you plan a mountain bike trip, a fantastic hike, a paddling adventure, or even a trip in a kayak right through the locks. These guys, and girls, are absolute experts, so they'll make sure you have not just the right gear and equipment, but also that you'll have a great time. This is also THE spot for coffee and a bit of nosh in the morning, or for a beer and a sandwich at lunch. Always bustling, Bird's Eye is one of our favorite spots to stop in the Soo.Affiliates:*8 a.m. Saturdays on WBRN - 1460 AM and 107.7 FM in Big Rapids*8 a.m. Saturdays on Kalamazoo Talk Radio 1360 WKMI*8 a.m. Saturdays on WILS-1320 AM in Lansing* 9 a.m. Saturdays on 92.1 Grand Haven's Favorite, WGHN-FM*10 a.m. Saturdays 95.3 WBCK-FM in Battle Creek*10 a.m. Saturdays on News/Talk/Sports 94.9 WSJM in Benton Harbor*4 p.m. Saturdays on WIOS "The Bay's Best!" - 1480 AM & 106.9 FM in Tawas / East Tawas*7 a.m. Sundays on the following Black Diamond Broadcasting stations:-WCFX - CFX Today's Hits (95.3) in Mt. Pleasant-WGFN - Classic Rock The Bear (98.1 & 95.3) in Traverse City-WMRX - Sunny 97.7 in Midland-WUPS - The Classic Hits Station (98.5) in Houghton Lake-WWMK - 1063 MAC FM in Cheboygan*Noon Saturdays and 8 am Sundays on News, Talk and Sports - 1380-AM WPHM Radio.*1 p.m. Sundays on WSGW-AM (790) and FM (100.5) in Saginaw*6 p.m. Sundays on WOOD-AM (1300) and FM (106.9) in Grand RapidsFollow John and Amy:Facebook at https://www.facebook.com/behindthemittenTwitter at @BehindTheMittenInstagram at @BehindTheMitten

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Near the beginning of the story of the Bible, a man named Cain becomes jealous of his brother, who is getting God's favor. He is warned to keep his anger in check, but he caves and murders his brother. As a result, Cain is sent into the wilderness. And there, he builds the first city in the story of the Bible. What is the story of cities in the Bible? The Bible opens in a garden and ends with a garden in a city. What's that all about? We will explore the stories of several great cities in the Bible and learn what they teach us about God and His plan for humanity.

Genesis 4:17-24Karl AndersonSubscribe to get weekly sermon content delivered to your feed.Follow us on Social MediaFacebook: facebook.com/sierrabiblerenoInstagram: instagram.com/sierrabiblerenoTwitter: twitter.com/sierrabiblerenoYouTube Sermon Archive: https://bit.ly/2SifJhYSupport the show

Join Shaner and Bob as they discuss Poverty Point in northeastern Louisiana. Many archaeologists and scientists consider it as North America's First City. It lies 15 miles west of the Mississippi River. At 1500 BCE, everywhere else in North America had small villages of about 100 residents, however, Poverty Point had between 4000 and 5000 residents. This was unprecedented at time. To check out maps of the site, Maps and Images of Poverty Point (shakinshaner.com)

A sentence was handed down this week for the murder of Dr. Eric Garcia in Ketchikan. The first cruise ship of the season makes port in the First City.

Commando Drift won Race 5 at Sandown, handing Thomas Sadler the first city winner of his training career. See omnystudio.com/listener for privacy information.

Antarctica's 'Penguin Post Office' is hiring: Do you have what it takes? NASA Lunar Lighthouse Beacons Navigation Odie Lander (Also See: https://www.nasa.gov/centers-and-facilities/marshall/nasa-to-demonstrate-autonomous-navigation-system-on-moon) TDIH: A Brief History of Buses

Episode 1 of the Most MOV podcast! Join your Host Aaron Whited as we talk about things to come. We also interview Tony from Classic Plastics and Kaitlin from the People's Bank Theater.

This podcast introduces us to the groundbreaking City of Longevity, located at The Overlook Senior Living Community in Charlton, Massachusetts. We have two guests today: Tameryn Campbell, President and CEO at The Overlook. Our second guest is Lynne Corner, Deputy Director at the UK National Innovation Centre for Ageing (NICA). We learn about the concept of NICA's Cities of Longevity, primarily that the communities actively support all ages, healthier lifestyles for all, as well as the programs, experiences, and public policy that fosters aging well. NICA has implemented these cities in seven countries and the Overlook is the 1st in the U.S. The Overlook was selected as the City of Longevity site because of its rich, 100-year history providing a continuum of care and services for Massachusetts residents and their families. This is a very worthwhile, educational conversation that can serve as a springboard for other communities seeking this designation. Mini Bios Professor Lynne Corner is Deputy Director at the UK National Innovation Centre for Ageing (NICA) and Director of VOICE. VOICE is an international community established to harness the immense experience, skills and insights of the public, of all ages and backgrounds, especially including older people. VOICE members work with research and businesses to identify unmet needs, priorities and aspirations and help co- develop products and services that are needed to support healthy, happy longer lives. Lynne has a particular interest in horizon scanning for innovation, in lifelong learning and cross generational exchange, and the use of artificial intelligence and data.  NCIA and VOICE work with businesses from all sectors to help develop their strategies for capitalizing on the immense commercial opportunities for growth from global population ageing.  She is also a Trustee of the Lewy Body Dementia Society. Tameryn Campbell brings more than 25 years of experience and a proven track record of success in the senior living and aging services industry. Since 2014, Ms. Campbell has worked in a strategic and consultative role, as the President & CEO of Masonic Health System of Massachusetts. Ms. Campbell's responsibilities include the right-sizing and repositioning of the organization, overseeing divestitures of certain business lines, redefining business strategy and leading Residents, Team Members, Boards of Directors, lenders and other stakeholders through organizational transformation.See omnystudio.com/listener for privacy information.

The notion of human beings getting to and settling on Mars has been a staple of science fiction for decades.But what are the social, scientific, and engineering constraints for establishing a colony, and what are the current blueprint and design concepts for the settlement of an entire Martian city?Justin Hollander, Urban Planning Professor at Tufts University and the author of ‘The First City on Mars: An Urban Planner's Guide to Settling the Red Planet' joins Jonathan to discuss.https://jholla03.pages.tufts.edu/

Last Sunday, Tim Lochner was elected Germany's first AfD mayor in the Saxon city of Pirna. The master carpenter received 38.5% in the second round of voting. His opponent from the CDU came up with 31% and the Freie Wähler candidate: 30%. Voter turnout was 53.8%. SBS reporters, Julia Grewe and Benjamin Kanthak discuss this political novelty and talk about the man behind the Saxon AfD success. The Federal Office for the Protection of the Constitution classifies the party in the state of Saxony as far-right. - Am vergangenen Sonntag wurde Tim Lochner in der sächsischen Stadt Pirna zum ersten AfD-Oberbürgermeister Deutschlands gewählt. Der Tischlermeister erhielt im zweiten Wahlgang 38,5 %. Seine Gegenkandidatin von der CDU kam auf 31 % und der Kandidat der Freien Wähler: 30 %. Die Wahlbeteiligung lag bei 53,8 %. Ein Kollegengespräch zwischen SBS-Reportern, Julia Grewe und Benjamin Kanthak, über dieses politische Novum und den Mann hinter dem sächsischen AfD-Erfolg. Der Verfassungsschutz stuft die Partei im Bundesland als gesichert rechtsextrem ein.

"The first city that the People's Defense Forces can seize, Kawlin City, with its military strategic significance" Myanmar Spring Chronicle 6th Nov 2023 (Moemaka Article) Yan Naing.This item belongs to: audio/opensource_audio.This item has files of the following types: Archive BitTorrent, Item Tile, Metadata, PNG, Spectrogram, VBR MP3

Tonight on the KRBD Evening Report….We'll look at mental health services in Ketchikan and the gaps the First City is facing and a Sitkan tries to limit the number of cruise ship tourists passing through his city.

Tonight on the KRBD Evening Report….A film crew wrapped up production in Ketchikan Sunday on a sci-fi feature film set in Ketchikan – we'll hear from the writer/director who grew up in the First City – and we'll hear about the city's new tourism director.

Is crime creating our food deserts or is it a deeper challenge of community disinvestment? Either way, Mayor Brandon Johnson seems ready to tackle these issues head-on. Brace yourself for a thought-provoking episode where we take a hard look at Chicago's struggle with food deserts and how it's affecting historically underserved communities. We critically assess Mayor Johnson's bold initiative to establish a municipally owned grocery store and explore whether it can truly address the pervasive issues of food equity and accessibility. As we delve into the economic implications, prepare to be challenged as we push the boundaries of the conventional thinking on community investment.Our conversation takes a deep dive into the harrowing effects of community disinvestment and explores innovative solutions to these pressing issues. We discuss the Economic Security Project's mission to build economic power for all Americans and how this partnership with the mayor's office could prove instrumental in repairing past harms and promoting food equity. A daring venture indeed, but what about the sustainability of this taxpayer-funded project amidst ongoing theft and crime? We don't shy away from asking the hard-hitting questions. So, get ready to engage with the complexities of Chicago's food desert crisis and the potential solutions at hand.Support the show

This week we're joined by Tufts professor Justin Hollander to talk about his new book The First City on Mars: An Urban Planner's Guide to Settling the Red Planet. We talk about the importance of urban planners in thinking about cities on Mars, what we can learn from Antarctica and the International Space Station, and what a Mars metro region might look like. OOO Follow us on twitter @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

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It was an incredible turn of events yesterday when The Maggstar and Mothereens dead-heated to give Race 3 at Sandown a real Ukranian flavour and provide Lesia Masnyj her first city winner

Mike and Mary Jane travel to Ketchikan for a weed and grub-filled weekend with The Stoney Moose, Southeast Alaska's premier cannabis dispensary! Founder and CEO Eric Riemer and COO Heather Jones take us on a magical tour of their store, kitchen, and thriving farm located on a remote island. We hear tales of Eric's underwater excursions as a sea cucumber diver, and Heather's international culinary triumphs. But first, Mike and MJ recap their mind-blowing experiences in The First City, including a whale sighting, dank BBQ sauce taste-testing, making new friends at Mike's comedy show, and getting sent to outer space by The Stoney Moose team's award-winning cuisine. Shout out to Tomi Marsh for making it all happen. FOLLOW US! / LEAVE A ⭐️ REVIEW! / GO NORTH FOR GREAT WEED Music by Jesse Case Follow Weed + Grub IG Watch Weed + Grub YT The Stoney Moose IG The Stoney Moose website About Tomi Marsh Fishes and Dishes cookbook BOTW: @thestoneymooseak & @papa.de.los.tomates 

The city of Seattle last week became the nation's first to ban discrimination on the basis of caste.

Tufts University's Justin Hollander talks to Andrew about his new book, The First City on Mars: An Urban Planner's Guide to Settling the Red Planet If you want to live on Mars, this one is for you. Enjoy, Martians! Learn more about your ad choices. Visit megaphone.fm/adchoices

The notion of human beings getting to and settling on Mars has been a staple of science fiction for decades. But what are the social, scientific, and engineering constraints for establishing a colony, and what are the current blueprint and design concepts for the settlement of an entire Martian city? Justin Hollander, Urban Planning Professor at Tufts University and the author of ‘The First City on Mars: An Urban Planner's Guide to Settling the Red Planet' joins Jonathan to discuss. https://jholla03.pages.tufts.edu/

Gloria sits down with NYC Council Member Julie Menin to learn how New York became the first city in the United States to pass universal child care. Julie talks about running a campaign centered on child care, how she convinced her colleagues to vote for this bill, and what will happen now that it's passed. Plus, they break down what each bill in her package will do, including creating a child care directory and online portal for local, state, and federal child care subsidies. Plus, Julie explains why her plan focuses on New York's youngest kids, from 0-3 years old.   This podcast is presented by Neighborhood Villages, and is brought to you with generous support from Imaginable Futures, Care For All Children by the David and Laura Merage Foundation, and Spring Point Partners.   Joining Lemonada Premium is a great way to support our show and get bonus content. Subscribe today at bit.ly/lemonadapremium.    Click this link for a list of current sponsors and discount codes for this show and all Lemonada shows: https://lemonadamedia.com/sponsors/.   Follow Julie Menin on Twitter @JulieMenin and on Instagram @julmenin.    Laugh, cry, be outraged, and hear solutions! Join our community: https://www.facebook.com/groups/nooneiscomingtosaveus.    Stay up to date with us on Twitter, Facebook, and Instagram at @LemonadaMedia.    For additional resources, information, and a transcript of the episode, visit lemonadamedia.com.See omnystudio.com/listener for privacy information.

IMAX audiences were treated to a glimpse of life in the future on this day in 1996 with the premiere of "L5: First City in Space." It was part narrative adventure and part science lesson, brought to screen with the help of NASA and a Star Trek veteran. The story on today's Sci-Fi 5. Follow Sci-Fi 5 for your daily dose of science-fiction history. Written by Mike Richards Hosted by KH Music by Devin Curry

IMAX audiences were treated to a glimpse of life in the future on this day in 1996 with the premiere of "L5: First City in Space." It was part narrative adventure and part science lesson, brought to screen with the help of NASA and a Star Trek veteran. The story on today's Sci-Fi 5. Follow Sci-Fi 5 for your daily dose of science-fiction history. Written by Mike Richards Hosted by KH Music by Devin Curry

For thousands of years and hundreds of generations, the Ohlone people have lived on the land that is now known as the East Bay. They were forcibly removed from their land with the arrival of Europeans beginning in the 18th Century.  To begin to address the historic harms of the city's founding, Oakland Mayor Libby Schaaf and tribal Chairperson Corrina Gould started a conversation in 2018 that has grown into a partnership between the City of Oakland and the Sogorea Te' Land Trust. With final city council approval in November, the trust will be given the rights to a section of Joaquin Miller park known as Sequoia Point, and Oakland will become the first city in California to use municipal property as reparations for land stolen from Native American territories. On this Indigenous Peoples day, we'll talk to Corrina Gould and Mayor Schaaf about what this means for the Native community in the Bay and how it can serve as precedent for other cities.   Related articles: Rematriate the Land Fund - The Sogorea Te Land Trust Guests: Corrina Gould, Director, Sogorea Te' Land Trust; spokeswoman and Tribal Chair of the Confederated Villages of Lisjan/Ohlone; Co-Founder and Lead Organizer, Indian People Organizing for Change. Libby Schaaf, Mayor, Oakland

We talk with James, the host of Project Past on YouTube, about English history, historic fires, and his memory of September 11th. https://withkoji.com/@Walk_with_History (Walk with History & Talk with History) https://www.youtube.com/c/ProjectPast1565 (Project Past on YouTube) ⭐️⭐️⭐️⭐️⭐️Want to have a question featured on our next podcast?⭐️⭐️⭐️⭐️⭐️ Leave us a 5 star review and ask us your questions!! ------------------------------------------------------- This is a https://withkoji.com/@Walk_with_History (Walk With History production)

The City of Redding will soon be on the map as the first city in California to complete an on-site 3D Printed house, a prototype for affordable housing that could just turn the tide here at home and across the globe. A partnership between the City of Redding, Emergent 3D, and AccessHome will bring to fruition a fire-resistant, sustainable house that will become a home for the Enterprise Community Park Host. This week, Katie and Steve sat down with Matthew Gile, the Founder and Chief Visionary Officer of Emergent 3D, the local construction company building the home. Matthew will detail what inspired this project, what construction looks like on a project of this kind, and why this model could help add more affordable housing to the landscape here in Redding and beyond. Learn more about this project at www.cityofredding.org/3dhomesView the transcript here >>

Corbin Hime of First City Guide Service makes his first appearance on Paul Bunyan Country Outdoors, which means he has his Fast Five initiation. Plus great info on Bemidji area walleye bites...how to get them to go and where they're at. In addition, he talks sturgeon, tournaments, electronics (or course) and how he found his way to Paul Bunyan Country.

This episode I talk with Chip Lane about acting and his studio First City Films. Leave an voicemail at https://anchor.fm/opinionatedoptimist Like and follow on Social Media Show website: https://theopinionatedoptimistpodcast.wordpress.com/ Facebook: The Opinionated Optimist Gmail: theopinionatedoptimistpodcast@gmail.com Reddit: https://www.reddit.com/r/OpinionatedOtPodcast/ Instagram: theopinionatedoptimist Twitter: @TheOpin95413012 YouTube: The Opinionated Optimist IHeartRadio https://www.iheart.com/podcast/269-the-opinionated-optimist-p-53147468?cmp=ios_share&sc=ios_social_share&pr=false&autoplay=true (The Optimist composed by Dave Loveless) --- Send in a voice message: https://anchor.fm/opinionatedoptimist/message

What becomes possible when the public owns the bank? A city-owned bank could decide, for example, that it wants to support Black-owned businesses and others that have historically lacked access to credit. Now an American city is pioneering a future that prioritizes the public's interest. This episode is sponsored by: The Bottom Line - Sign up for this newsletter exploring scalable solutions for problems related to affordability, inclusive economic growth and access to capital. The Bottom Line is made possible with support from Citi. Next City Newsletter - Signing up for our newsletters is the best way to stay informed on the issues that matter. To subscribe now, head to nextcity.org/newsletter and enter your email address.

Russian forces seized the city of Kreminna, which appears to be the first city confirmed to have fallen since Vladimir Putin's forces launched a "new phase of war." In The Daily Article for April 20, 2022, Dr. Jim Denison also writes on the threat of AI, four reasons teens are depressed, and how Christians can respond biblically and redemptively to the challenges of our day. Author: Dr. Jim Denison Narrator: Chris Elkins Subscribe: http://www.denisonforum.org/subscribe

Nick Kayal fills-in for Rich Bill Kornfeld 10:07 AM (3 minutes ago)to Gregory, Frank, Dan, Matthew6:04-NEWS 6:08-We don't need to rush to the airport 6:10-The indoor mask mandate returns to Philadelphia  6:13-Lawsuit filed against the city implementing the mask mandate 6:38-Democrats believe Elon Musk is a threat to free speech  6:44-Morning Joe freaks out over Elon Musk trying to buy Twitter 6:54-Washington Post fact checker won't check Biden on blaming Putin for inflation  7:03-NEWS 7:07-Kindergarten class accidentally drinks Jose Cuervo  7:12-Massachusetts school being sued over gender identification curriculum   7:20-Man watches the movie Spider-Man a record 292 times  7:35-Apple debuts the pregnant man emoji  7:45- CUT SHEET | SNL takes shots at Elon Musk | Another protester interrupts a NBA game | Daily Show creator says she has not been invited back since accusing show of sexual harassments | COVID Advisor for Biden still believes the mandates are working to prevent COVID | restaurant owners in Philadelphia fear the return of the mask mandate |  8:05-The "new normal" should be just returning to actual normality  8:15-NEWS 8:35-DOJ trying to block Elon Musk's purchase of Twitter 8:44-MSNBC says the quiet part out loud  9:02-NEWS 9:10-Eating out on major holidays 9:35-The Sixers get the city excited  9:40-CUT SHEET | Zelensky warns we should be prepared Putin will use nuclear weapons | Jen Psaki on the "stupid SOB" Peter Doocy | Democrat pollster John Anzalone sees the worst political environment in 2022 | George Stephanopoulos doesn't believe the President can do much about inflation  9:55-Final Thoughts