Podcasts about forums

Overcoming the Scrags in front of the school, Dodger and The DreamChasers head down the not so inviting path downward Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 5's theme is: No Culture by Silent Partner

'There's political forums for these discussions, that's where it should be - it should never descend into violence' - Jonathan Buckley warned those involved in disorder risk a criminal record. Frank also spoke to deputy mayor Jess Johnston Hosted on Acast. See acast.com/privacy for more information.

t’s finally here! At the top of what was arguably the most chaotic week for video games in 2025, the Nintendo Switch 2 is available now, and we’re going to spend this whole episode talking about our first impressions of it. The roundtable of chairs for the show this go-around features George, Andrew, and a very special guest, Greg Sewart, one of the Co-hosts of the esteemed Player One Podcast, and Electronic Gaming Monthly alumni, and we don’t waste any time dishing it up on Nintendo’s new thingy. From the technical performance between its handheld mode and docked mode to the ergonomic feel and system calibration, the crew tries to cover every granular detail they can about the system, the new features available, and the only real launch title released for the platform, Mario Kart World. Is it worth the hype (or more importantly, the price?) Who knows! We’re here to gush and gripe about the damn thing and share our initial thoughts so far on the successor to a nine-year-old (yes, you read that right) platform, and the roller-coaster of emotions we’ve experienced with Nintendo’s aging hybrid console leading up to this point. We Hope you enjoy the show, and please be sure to subscribe to the Player One Podcast if you haven’t already!Mail us at our new email Mailbag@presspauseradio.com, leave a voicemail at 469-PPR-TALK, and be sure to stop by at our Forums if you haven’t already registered and post your thoughts about the show. Finally, make sure to rate and subscribe to us on iTunes and YouTube, follow us on Twitch page and Twitter, and finally take part in our Facebook and Steam group!

Back to the junk drawer to read off your questions from the room in our discord.All after Danny puts his pop-culture journey on hold for a bit, Em is on a giant rock somewhere on a different continent, Porter gets Once Human too again or something, and CJ hits the back rooms in This Week In Bull ShitWant to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 5's theme is: No Culture by Silent Partner

Myself, Danielle, Evan, Letty & Joe of The Metal Cell Forums react to Metallica hitting Dublin for two nights in 2026 with Gojira, Avatar, Pantera & Knocked Loose being brought along for the craic! (Live Stream Podcast recorded in May 26th, 2025. Metallica is coming back to Ireland in 2026, and we need to talk about it. In this episode, we're diving headfirst into what this gig means to Irish fans—because let's be honest, it's more than just another show. It's Metallica. In Ireland. Again. For a lot of us, it's memories of first gigs, old t-shirts, and that feeling when the lights drop and “Ecstasy of Gold” hits. We also take a look at the different packages Metallica are offering this time around—from standard tickets to the full VIP experience—and we're giving our honest thoughts: worth it or nah? And of course, we couldn't leave out the support bands. We chat about who's warming up the stage, what they bring to the night, and whether they can get the crowd fired up before James, Lars, Kirk, and Rob take over. Whether you're already counting the days, still trying to convince your mates to go, or just want to relive some Metallica memories, this episode is for you. Get your horns up and let's get into it!

Avsnitt 282. När Kulturrådet nyligen gick igenom vilka aktuella böcker som skulle få kulturstöd stod Forum i en klass för sig. Men av fel orsaker. Bland de böcker som fick avslag fanns 25 titlar från Forum, samtliga böcker de sökt stöd för. Det var så klantigt att man direkt kan utgå från att det var en miss i hanteringen. Åtminstone om ni frågar oss. Simon & Schuster sa upp sitt avtal med Storytel för tre år sedan. De sa nej till det strömmade formatet och ”revenue share”. Nu återkommer de, på eget initiativ. Vi funderar på om det är tecken på en ny syn på marknaden från den, just nu, mest aktiva förlagsgruppen bland de stora internationella förlagsjättarna. Det var bara en tidsfråga men dröjde egentligen ovanligt länge. Men nu satsar Forum på ett nytt arbetssätt, helt kopierat från tv-världen, när de lånar Camilla Läckbergs namn till en storsatsning på en serie digitala böcker och lanserar dem likt en tv-serie med alla avsnitten/böckerna tillgängliga på en gång. De hänvisar till ”writers room”-konceptet som innebär att ett antal författare ”går ner i gruvan” och mejslar fram böckerna. Kanske eller kanske inte från en ”storyline” konstruerad av Camilla Läckberg. Vi brukar då och då göra små inslag från förlagets vardag. Den här gången är det en jämn lunk men med ett par intressanta detaljer som vi delar med er.   00 28         Forum gör bort sig 08 35         Amerikansk förlagsjätte kommer tillbaka till Storytel 12 46         Bokbranschen lånar arbetsmetoder från tv-världen 17 42         Allt som vanligt, nästan, i förlagets värld

Join us for an intriguing look at muscle power—and the surprising ways muscle can reveal what we're capable of. Bonnie Tsui, author of On Muscle, will be joined by filmmaker Paige Bethmann and the subject of Bethmann's documentary, Ku Stevens. Her film, Remaining Native, tells the story of 17-year-old runner Stevens who made a 50-mile run through the Nevada desert to remember the route his great-grandfather took to escape from a boarding school. Tsui will draw on a blend of science, culture, immersive reporting, and personal narrative to examine not just what muscles are but what they mean to humans. Muscles allow our heart to beat, food to move through our bodies, blood to circulate, even babies to leave the womb. We might not think of our muscles unless they are sore or we are working out. But they connect us with just about everything we do. A Grownups Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerDenise Michaud  Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us for a panel discussion focused on addressing food insecurity in California, with an emphasis on CalFresh reform. CalFresh is the state-run food stamps program that assists low- or no-income individuals and households to purchase nutritious food, also known federally as the Supplemental Nutrition Assistance Program (SNAP). Inefficiencies in the CalFresh system have become evident in the billions of dollars in unused federal benefits, as well as in comparison to other states that have achieved 100 percent SNAP participation among eligible individuals through strategic policy changes.  A new state law, AB 518 (Wicks and Jackson), mandates the development of a methodology to estimate CalFresh participation rates, identify eligible but unenrolled Californians, and create outreach strategies to maximize participation; but the bill is only a starting point to addressing the program's shortcomings.  Join us for a wider discussion on the impacts of food insecurity as momentum builds for legislative action to enhance the program's efficiency. We'll also examine the successful models of other states' systems and bring awareness to food insecurity's long-term negative impacts, particularly for marginalized communities.  This program is co-hosted with the San Francisco-Marin Food Bank and followed by a reception. A Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Presented by CalFresh Reform Coalition and SF Marin Food Bank. OrganizerRobert Melton  Learn more about your ad choices. Visit megaphone.fm/adchoices

Our esteemed panel of doctors/scientists will explain common questions about cholesterol. What is cholesterol, and what is its role in the body? Why is it important? What are the various types of cholesterol? How do you interpret your test results? How have recommended levels changed over the years, and why? How do cholesterol-lowering medications work? Are they safe long-term? How does food affect cholesterol levels? These questions and more will be explained in this important program. About the Speakers Dr. Joshua Knowles is a physician-scientist at Stanford. He earned his M.D.–Ph.D. at UNC with Nobuyo Maeda and Nobel Laureate Oliver Smithies, and his internal medicine residency and fellowship at Stanford University primarily. Robert H. Lustig, M.D., M.S.L., is emeritus professor of pediatrics in the Division of Endocrinology, and member of the Institute for Health Policy Studies at UCSF. Dr. Lustig is a neuroendocrinologist, with expertise in obesity, diabetes, metabolism, and nutrition.  Dr. Ethan Weiss is a cardiologist whose special interests include preventive cardiology, the genetics of coronary disease, risk assessment for heart conditions and heart disease in the young. A Nutrition, Food & Wellness Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerPatty James  Learn more about your ad choices. Visit megaphone.fm/adchoices

After decades of strong governmental and public support, and despite strong evidence supporting the societal and individual benefits of a college degree, American public higher education is confronting a multi-layered crisis of confidence and funding. While the need remains for all that public higher education has to offer, the sector's very mission and purpose have become the subject of political debate and disagreement, even as state funding levels fail to keep pace with rising costs, and changes in federal policies threaten public universities' long-standing missions and values. UC Berkeley's new chancellor, Rich Lyons, is working to launch a new era of excellence for his campus with the knowledge that many are watching how public higher education's flagship university will take on a wide array of threats and opportunities at a time when the stakes could not be higher. He has a new vision for the Berkeley campus that centers innovation and entrepreneurship; new programs to bridge divides of perspective and belief; and a quest for financial independence through the development of new and novel revenue streams. About the Speaker Rich Lyons is the 12th chancellor of the University of California, Berkeley, beginning his tenure as the first undergraduate alum to serve as chancellor in July 2024. Previously, he was the associate vice chancellor for innovation and entrepreneurship from 2020–2024, leading the development and expansion of innovation and entrepreneurship campuswide. Lyons also served as the dean of UC Berkeley's Haas School of Business from 2008–2018. Lyons received his B.S. degree from UC Berkeley in 1982 and returned to campus in 1993 as a faculty member at the Haas School of Business after receiving his Ph.D. in economics from MIT and following six years on the faculty at Columbia University. In 1998, he was awarded the Distinguished Teaching Award, Berkeley's highest teaching award. A Health & Medicine Member-led Forum program. Forums and Chapters at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Organizer: Robert Lee Kilpatrick  Learn more about your ad choices. Visit megaphone.fm/adchoices

After guys' training and Carly's research completed, the pack accompanied by Dodger head to the school for another look into the recent murders and ritualistic totems setups  Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 5's theme is: No Culture by Silent Partner

The moving force behind biasinterrupters.org (an evidence-based metrics-driven approach to eradicating implicit bias) brings her perspective to bear on bridging the divide between college grads and everyone else she says has been driving politics to the far right in the United States. Joan Williams asks: Is there a single change that could simultaneously protect democracy, spur progress on climate change, enact sane gun policies, and improve our response to the next pandemic? Her answer is that changing the class dynamics which are currently dividing American voters could do just that. Williams argues that liberals often inadvertently play into the hands of far-right politicians intent on manipulating class anger to undercut progressive goals. She says the process can be reversed by offering college-educated Americans insights into how their values reflect their lives, and how their lives reflect their privilege, while also demonstrating how working-class values reflect working-class lives. She says the far right connects culturally with the working-class by manipulating racism and masculine anxieties to obfuscate the reality that far-right economic policies often prove disadvantageous to the working-class. Join us to hear her guidance on how she says liberals can forge a multiracial cross-class coalition capable of delivering on progressive goals. A Humanities Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerGeorge Hammond  Learn more about your ad choices. Visit megaphone.fm/adchoices

There are tons of pregnancy forums online. Finding these forums isn't the hard part, but trying to understand what people are trying to say can be quite a challenge. Why are these forums full of acronyms? What are the most common acronyms used during pregnancy and what do they actually mean? We're decoding this secret language so you can be better prepared when seeking help online. Learn more about your ad choices. Visit megaphone.fm/adchoices

Regularity is important in a publication, but there's a certain uncertainty that comes with material created by Town Crier Productions. The goal is for the podcast editions to come out on Fridays, but there are times when that will shift. The reasons for these occasional deviations are not to be written out, but if you listen to the recording perhaps I will explain more. I'm Sean Tubbs and this is my best attempt at suspense.In this edition:* The Free Enterprise Forum holds a campaign forum for the two candidates for the Jack Jouett District (learn more)* The Free Enterprise Forum also held one for the three people running for two Democratic slots for City Council on the ballot this fall (podcast-only preview!)* The governing body of the Rivanna Solid Waste Authority gets an update and adopts a budget for FY2026 (learn more)* There will be a public hearing before Charlottesville City Council on June 2 for utility rate increases (learn more)* Albemarle County on track to exceed revenue forecast for FY2025 (learn more)Join the dozens of people who have signed up this week! The next edition comes out tomorrow and will give a preview of upcoming government meetings!First shout out: Charlottesville E-bike Lending LibraryIt's the last day of Charlottesville Bike Month. The rolling topography of the Charlottesville area might keep some people away from choosing cycling as an option to get around. Perhaps an e-bike is in order?That's where Charlottesville's eBike Lending Library comes in! E-bikes are a great way to get around the community but there are many brands and styles to choose from. Because many e-bikes are sold online, it can be a challenge to try an e-bike before buying one.The Charlottesville E-bike Lending Library is a free, not-for-profit service working to expand access to e-bikes in the area. They have a small collection of e-bikes that they lend out to community members for up to a week, for free. You can experience your daily commute, go grocery shopping, or even bike your kids to school, and decide whether e-bikes are right for you. Check out this service at https://www.ebikelibrarycville.org!Program announcements for May 31, 2025As I said above, the podcast versions usually come out on Fridays but there are often times that does not happen. There's a radio version that airs on WTJU at 6 a.m. and it has to be 29 minutes long at least. I'm visiting family this week so things aren't quite as efficient. I was up until 10 p.m. last night writing and producing the City Council segment and uploading it to YouTube.The written version may go out on Information Charlottesville tomorrow but it will definitely be in the Monday edition of the newsletter. I'm deciding against posting new text content on Saturday because this is usually the day I try not to work if I can help it.But it's also the day I look at all of the jurisdictions in Virginia's Fifth Congressional District to get ready for the meeting previews I'll post on Fifth District Community Engagement throughout the week ahead. Later on today I'll scope out tomorrow's Week Ahead and possibly will try to start my second story for the next C-Ville Weekly.You may think this doesn't sound like a day off. But organization is the way I'm able to get all of this work done on a steady basis. And I listen to music throughout the day! Right now, I'm listening to the new Sparks album, MAD! There's a lot to dislike about these times, but access to music connects me to humanity. It makes me feel like I'm living to hear something new for the first time.I'm really procrastinating now as I wait for the last song on the album to stop. This feels like a very important album and I've just heard it for the first time.I have to record the continuity for the podcast. That's the opening, the shout-outs, and the end piece. I have a template I use each time and I have a whole series of sounds I use as interstitials to break up the segments. All of the segments are produced separately and in an ideal world I'd record the narration before I post them to Charlottesville Community Engagement.Okay the album ended, and I conclude this procrastinatory text by wanting to express my gratitude to my father, Joseph Tubbs, for providing me an example of how to be productive and how to use your passion to fuel your career. It's his birthday today and I'm about to go celebrate with him and my mother.I leave you with two videos.`Second shout-out: Charlottesville Community BikesIn today's second subscriber supported shout-out, Charlottesville Community Bikes strives to provide wheels to anyone who needs a ride. That includes:* There's a Kid's Bike program for people under the age of 12 (learn more)* Several social services organizations refer people to Charlottesville Community Bikes for access to reliable transportation (learn more)* Keep an eye on their calendar for the next mobile repair clinic (learn more)* There's also a workforce development program that “blends mentorship and comprehensive training in bicycle mechanics” (learn more)Visit the Charlottesville Community Bikes website today to learn more! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit communityengagement.substack.com/subscribe

On the cusp of the greatest wealth transfer in history—with $124 trillion moving between generations in the next 20 years—we explore how philanthropy can be transformative, and transformed. Nationally recognized philanthropic leader Dimple Abichandani has crafted a blueprint for how wealth can be transformed into a more just and sustainable future in times of rapid change and crisis. Can philanthropy be an anti-racist, feminist, relational, and joyful expression of solidarity? In A New Era of Philanthropy, Dimple argues that yes, philanthropy can be these things—and for the future we seek, and for the sector to achieve its greatest impact, it must be. With fresh answers to the question of how philanthropy can meet this high-stakes moment—from reimagining governance to aligning investments to crisis funding and beyond—she explains how paradigm shifts can move us forward, beyond critique into real transformation, with relatable stories about funders who are forging a new era of philanthropy. About the Speakers Dimple Abichandani is a nationally recognized philanthropic leader, lawyer, and author of A New Era of Philanthropy: Ten Practices to Transform Wealth Into a More Just and Sustainable Future, a book that reimagines how philanthropy can meet this moment. For two decades, she has worked to reshape philanthropy's purpose and practice while leading innovative funding institutions. As executive director of the General Service Foundation (2015–2022), she aligned the foundation's grantmaking, investments, and governance with justice values.  A National Center for Family Philanthropy Fellow, Abichandani's leadership has been recognized with a Scrivener Award for Creative Grantmaking. She serves on the Board of Directors of Solidaire Network and has served on the boards/steering committees of the Trust-Based Philanthropy Project, Northern California Grantmakers, and Grantmakers Concerned with Immigrants and Refugees. Based in the San Francisco Bay Area, she advises donors and foundations on transforming wealth into a just and sustainable future. Tegan Acton founded Wildcard Giving, a family of philanthropic entities created following the sale of WhatsApp to Facebook in 2014. Acton serves as the principal at each of the sister entities, which work together to further civic values, collective responsibility and our common humanity. Prior to establishing Wildcard Giving, Acton served as the director of communications and strategic initiatives for the vice provost of undergraduate education at Stanford University. She additionally held positions at Yahoo! and the Sundance Institute, and graduated from the University of California at Santa Barbara with a BA in English and Political Science. Acton's personal commitments include serving on the Executive Committee for the Collaborative for Gender and Reproductive Equity, chairing the Board of Trustees of the Monterey Bay Aquarium, and investing in independent films through her production company Good Gravy Films. The Commonwealth Club of California is a nonprofit public forum; we welcome donations made during registration to support the production of our programming. A Social Impact Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Commonwealth Club World Affairs is a public forum. Any views expressed in our programs are those of the speakers and not of Commonwealth Club World Affairs. OrganizerVirginia Cheung  This program contains EXPLICIT language. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your favorite podcast crew back with some ideas and advice on how to work different spirits and what they look like into your games  Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 5's theme is: No Culture by Silent Partner

Mayor George Moscone was assassinated in the San Francisco mayor's office by Dan White, a former member of the San Francisco Board of Supervisors, on November 27, 1978. And then White walked down the hall and also shot Supervisor Harvey Milk—in White's former office. Lincoln Mitchell rescues crucial details about Mayor Moscone from the shadows of this tragedy, and reminds us of Mayor Moscone's contributions to the development of modern San Francisco. First, George Moscone was a trailblazing progressive and powerful state legislator who was instrumental in passing legislation on issues ranging from LGBT rights to funding for school lunches. Later, Moscone's 1975 campaign for mayor was historically significant because it was the first time a major race was won by a candidate who campaigned aggressively for expanding civil rights for both African Americans and LGBT people. In addition to being a successful politician, Moscone was a charming and charismatic bon vivant deeply embedded in the fabric and culture of San Francisco. He grew up the only son of a single mother in Cow Hollow when it was a working class, largely Italian American neighborhood, and he became the kind of politician who knows bartenders, playground attendants, small business owners, and neighborhood activists in every corner of the city. Mitchell demonstrates how Moscone—through his work in the State Senate, victory in the very divisive 1975 mayor's race, and brief tenure as mayor—was a key figure in our city's evolution. Join us in person to find out why the politics surrounding Moscone's election as mayor, governance of the city, and tragic death are still relevant today. A Humanities Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerGeorge Hammond  Learn more about your ad choices. Visit megaphone.fm/adchoices

To remind us that civilizational alliances are not merely transactional, Robert Edsel tells personal World War II stories from the rural province of Limburg.  Before dawn on May 10, 1940, Hitler's forces invaded the Netherlands, shattering more than 100 years of peace. The Dutch lived through four-and-a-half years of occupation until September 1944, when American forces reached Limburg—the last portion of Europe west of Germany to be liberated by the Allies. Edsel follows 12 main characters over a six-year span, including Lieutenant Colonel Robert Cole, the first member of the 101st Airborne to receive the Medal of Honor; Sergeant Jeff Wiggins of the 960th Quartermaster Service Company, who escaped the poverty and racism of Alabama just to face more indignities; and Frieda van Schäik, a teenager who fell in love with an American soldier.  Drawing on letters, diaries, and other historical records, Edsel shows the painful price of freedom, capturing both the horrors of war and the transcendent power of gratitude by revealing the extraordinary measures the Dutch have taken to thank their liberators. A Humanities Member-led Forum program. Forums and chapters at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums.  Organizer: George Hammond  Learn more about your ad choices. Visit megaphone.fm/adchoices

While Carly and Dave flip through the found paperwork, Rico and Nightfang find themselves getting bored and ready for something with a little more substance and a wanting for some training.Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

Today's social and political climates feel clouded by fear, distance, polarization and loneliness; why is it that groupthink and conformity seem to rule our neighborhoods, pop culture, friend circles, workplaces and social media feeds? It's time for us to learn how to sit with disagreement, debate better, appreciate our differences, and revel in the diversity of ideas and opinions that reflect our world.  Journalist Jenara Nerenberg has not shied away from taking on complex ideas and opinions, first in her bestselling book Divergent Mind about neurological diversity, and now with her second groundbreaking book, Trust Your Mind, which examines viewpoint diversity and encourages us not to shy away from the deepest forms of connection and insight that can come from uncomfortable conversations, independent thinking, and sometimes even loud, productive and healthy arguing.  While “conflict” feels like a scary word to some, Nerenberg dives deep into her own life experiences as well as the social science research on the psychology of groupthink to understand why our world is in peril in the face of people feeling too terrified to speak their minds. This challenge is not just limited to politics—the power of critical thinking and exiting groupthink has far-reaching impact on how we communicate with spouses, classmates, colleagues, family members and beyond. By understanding how group identity forms and the dangers of self-silencing, we allow our politics and our reasoning abilities to evolve, which leads to healthier societies. Trust Your Mind has received wide acclaim from Interfaith America's Eboo Patel, social psychologists Kurt Gray and Ethan Kross, former ACLU president Nadine Strossen, and many more.  Joining Nerenberg in this special conversation is leading investigative reporter Lee Fang, one of the most daring and sought-after independent journalists of our time. This conversation is not to be missed. About the Speakers Jenara Nerenberg is the bestselling author of Divergent Mind, hailed as “extraordinary, jaw-dropping” by Library Journal; she is an Aspen Ideas Brave New Idea speaker and the author of the new book Trust Your Mind, on the psychology of groupthink. A celebrated writer covering the intersection of psychology and society, Nerenberg's work has been featured in the UC Berkeley Greater Good Science Center magazine, Fast Company magazine, CNN, NPR, BBC and elsewhere. Nerenberg speaks widely on social science topics, including at universities, libraries, companies and organizations around the world. She is a graduate of UC Berkeley and the Harvard School of Public Health; Nerenberg grew up in San Francisco and, as a millennial, can now be found on Instagram. Lee Fang is an independent journalist, primarily writing on Substack at leefang.com. He was an investigative reporter for The Intercept. He writes about civil liberties, interest group lobbying, and other public interest issues. A Grownups Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Organizer: Denise Michaud  Learn more about your ad choices. Visit megaphone.fm/adchoices

In the ever-evolving landscape of operating systems, the choice between Windows and Linux has become a topic of significant interest for many users. As technology advances, so do user needs and preferences, leading some to explore alternatives that may offer a more tailored experience. Avram Piltch, who embarked on a ten-day journey to immerse himself in the Linux environment, delves into the exploration of Linux as a viable alternative to Windows.The Frustrations with WindowsAvram has a growing annoyance with Windows. As users become more accustomed to the conveniences of modern technology, they often find themselves frustrated by intrusive prompts and advertisements for services they do not wish to engage with, such as subscription models for Xbox Game Pass or other Microsoft services. This sentiment resonates with many users who feel that their operating system is becoming increasingly cluttered with commercial distractions, detracting from the overall user experience.Avram's dissatisfaction with Windows serves as a catalyst for his exploration of Linux. The desire for an alternative that prioritizes user autonomy over commercial interests is a significant motivator for many who consider switching to Linux. Unlike Windows, which is often criticized for its heavy integration of advertising and subscription services, Linux distributions are generally open-source and community-driven, allowing users to tailor their experience to their specific needs without the burden of unnecessary commercial pressures.The Linux ExperienceIn his quest for an alternative, Avram chose to install Ubuntu, one of the most popular Linux distributions, specifically the latest version known as "Plucky Puffin" (Ubuntu 22.04). This choice is significant, as Ubuntu is known for its user-friendly interface and extensive community support, making it an ideal starting point for those new to Linux.His decision to use Linux as his everyday operating system for both work and personal tasks highlights the versatility and capability of modern Linux distributions. Historically, Linux has been perceived as a platform primarily for developers and tech enthusiasts. However, advancements in usability, software availability, and hardware compatibility have transformed it into a viable option for everyday users.During his ten-day exploration, Avram encountered various aspects of the Linux experience, including its robust security features, customization options, and the absence of bloatware that often plagues Windows installations. Linux's open-source nature allows users to modify and optimize their systems according to their preferences, fostering a sense of ownership and control that many find appealing.Overcoming ChallengesWhile the switch to Linux can be liberating, it is not without its challenges. Users accustomed to Windows may initially struggle with differences in user interface and software availability. Many popular applications, particularly those in the realm of gaming and specialized professional software, may not have direct counterparts on Linux. However, the growing ecosystem of Linux-compatible applications and the availability of alternatives or workarounds, such as Wine or virtualization software, have made it increasingly feasible for users to transition without sacrificing functionality.Moreover, the Linux community is renowned for its support and resources. Forums, documentation, and tutorials abound, providing users with the assistance they need to navigate their new environment. This communal aspect of Linux not only fosters a sense of belonging but also encourages continuous learning and exploration.ConclusionAvram's exploration of Linux as a Windows alternative encapsulates a broader trend among users seeking more control over their computing experience. As frustrations with Windows mount, many are turning to Linux for its open-source nature, customization capabilities, and the promise of a distraction-free environment. While challenges remain, the ongoing development of user-friendly distributions like Ubuntu demonstrates that Linux is not just a niche operating system but a legitimate contender for everyday use. For those willing to embark on the journey, Linux offers a refreshing alternative that prioritizes user empowerment and autonomy in a world increasingly dominated by commercial interests.

In der heutigen Episode analysieren Philip Hopf und Kiarash Hossainpour die überraschenden Entwicklungen rund um Klaus Schwabs Rücktritt vom World Economic Forum. Sie beleuchten die Whistleblower-Vorwürfe zu finanziellen Unregelmäßigkeiten und möglichem ethischen Fehlverhalten gegen den WEF-Gründer und seine Frau. Die beiden ergründen die verschiedenen Kandidaten für Schwabs Nachfolge und deren potenzielle Auswirkungen auf die zukünftige Ausrichtung des Forums. Handelt es sich bei den Anschuldigungen um gewöhnliche Korruptionsvorwürfe oder stecken dahinter größere Machtverschiebungen innerhalb globaler Einflussnetzwerke? Welche Bedeutung hat die Übergangsleitung durch Ex-Nestlé-Chef Peter Brabeck-Letmathe? Eine facettenreiche Diskussion über internationale Machtstrukturen, institutionellen Wandel und die Zukunft globaler Wirtschaftsforen.

Your favorite podcast crew with another of the 101 series as we discuss the Backgrounds when it comes to character creations and developmentWant to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

ew recording platform, who dis’? Yeah, we’re all a bit excited over some of the new tech we have to produce the show, and we’re all trying to do everything we can to enjoy it while it’s still fresh and shiny in this latest episode of Press Pause Radio. This session is much more casual than the last few episodes as the cast tries to parse out the tumultuous news cycle that came to pass over the last two weeks. George, Ed, and Andrew are on the cans and take the time to discuss various layoffs and terminations seen from Electronic Arts, Polygon, and Giant Bomb (luckily, one of those unfortunate deals got some of the best news ever after the episode was long recorded and sent into production.) There’s also a quick recap of Nintendo Switch 2 Direct, and some thoughts on Grand Theft Auto VI getting delayed in 2026. Afterwards, the crew talks about the gamers they’ve been playing, like Rock Band Rivals, Clair Obscur Expedition 33, Division 2, Fantavision 202X, Promise Mascot Agency, Humanity, PSVR 2, Pokémon Brown Version 20th Anniversary Edition, Persona 3 Reload, and a shit ton more! We hope y’all enjoy the show because we’re gearing up for a whole lot more in the coming months! Mail us at our new email Mailbag@presspauseradio.com, leave a voicemail at 469-PPR-TALK, and be sure to stop by at our Forums if you haven’t already registered and post your thoughts about the show. Finally, make sure to rate and subscribe to us on iTunes and YouTube, follow us on Twitch page and Twitter, and finally take part in our Facebook and Steam group!

We're putting the spotlight on moms today, asking readers to share about why it's so important to honor moms or maternal figures in our lives. Forum is a series from USA TODAY's Opinion team, dedicated to showcasing views from across the political spectrum on issues that Americans are starkly divided on. If you'd like to weigh in on a different topic, you can find more questions at usatoday.com/forum. And if your submission is selected for print, we might invite you to add your voice to a future special bonus episode like this one. Let us know what you think of this episode by sending an email to podcasts@usatoday.com.Episode Transcript available hereSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mental health care in America has become nothing short of atrocious. Supposed developments in treatment methods and medication remain inaccessible to those who need them most. Countless people seeking treatment are routinely funneled into homelessness and prison while a mental-health epidemic ravages younger generations.  It seems obvious that the system is broken, but critics say the tragic truth is that it is actually functioning exactly as intended, providing reliably enormous profits for the entities who now manage mental health care. By taking a step back and examining how and why we developed our health-care system, with mental health care as the worst-case example of a dysfunctional model that has been abandoned by all other developed countries, we can understand our motives and actions, and chart a way out of our mess. About the Speaker Nicholas Rosenlicht, M.D., is clinical professor at the University of California, San Francisco, School of Medicine in the Department of Psychiatry and Behavioral Sciences. He is founder of the San Francisco VA mood disorders program, has served on the Human Subjects Committee of the UCSF Human Research Protection Program, and is a member of the UCSF Academy of Medical Educators. He has more than 40 years of clinical, research, administrative, and teaching experience, and is the author of more than 30 peer-reviewed publications. Most recently he is the author of My Brother's Keeper: The Untold Stories Behind the Business of Mental Health—and How to Stop the Abandonment of the Mentally Ill. A Psychology Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerPatrick O'Reilly  Learn more about your ad choices. Visit megaphone.fm/adchoices

In der heutigen Episode analysieren Philip Hopf und Kiarash Hossainpour die überraschenden Entwicklungen rund um Klaus Schwabs Rücktritt vom World Economic Forum. Sie beleuchten die Whistleblower-Vorwürfe zu finanziellen Unregelmäßigkeiten und möglichem ethischen Fehlverhalten gegen den WEF-Gründer und seine Frau. Die beiden ergründen die verschiedenen Kandidaten für Schwabs Nachfolge und deren potenzielle Auswirkungen auf die zukünftige Ausrichtung des Forums. Handelt es sich bei den Anschuldigungen um gewöhnliche Korruptionsvorwürfe oder stecken dahinter größere Machtverschiebungen innerhalb globaler Einflussnetzwerke? Welche Bedeutung hat die Übergangsleitung durch Ex-Nestlé-Chef Peter Brabeck-Letmathe? Eine facettenreiche Diskussion über internationale Machtstrukturen, institutionellen Wandel und die Zukunft globaler Wirtschaftsforen.

There clearly are lessons that we have learned from the Vietnam War that we have applied well to other situations, but there are also lessons that we think we have learned that are far less clear, and could lead to similar outcomes if we are not careful. The Vietnam War certainly cast a pall over America, but much more so over all of Southeast Asia. Back then the enemy was seen as Communism. Now the enemy has transformed into various political movements along the far end of the authoritarian spectrum―whose understandable but deceptive attractiveness during moments of despair has even begun finding many adherents among us. To head off that unfortunate development, join us in asking: Which foreign policies could we adopt that would make the freest end of the spectrum of democratic civilizations more robust, more stable and more desirable? And where does the development and use of military power fit into those foreign policies to achieve our civilizational goals? Humanities West presents a variety of expert opinions on these important issues while reviewing what went wrong, and what went right, during the Vietnam War that ended so abruptly on April 30, 1975. Join us for two nights, on April 30 and May 2, to hear six experts review what we have learned, and what we have not, about the Vietnam War. A Humanities Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. In association with Humanities West. Organizer: George Hammond  Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of SEO in Business: How to Use SEO to Build Visibility, Trust, and Efficiency SEO is not just about getting your website to rank on Google—it's about building a brand resume that shows you're a legitimate, trustworthy business. When you use SEO to optimize your business, you create an online presence that appears consistently across search results, helping potential clients see your brand multiple times and in various ways. This builds credibility, familiarity, and trust before they even click. What Is a Brand Resume—and Why It Matters for SEO A strong SEO strategy builds what you can think of as a brand resume—a digital footprint that proves you're a legitimate, professional business. When someone Googles your name or company, do they see just a single link? Or do they find your website, blog posts, podcast features, social media profiles, YouTube videos, and forum contributions all pointing to the same brand voice and value? That kind of visibility across channels creates an impression that you are established and credible. When you use SEO to optimize your business presence across platforms, you tell search engines—and potential clients—that you are not a one-off post or account. You're a brand worth trusting. You Don't Need to Stretch Yourself Too Thin You may have been told that every platform needs unique content, which can lead to burnout. The good news is you don't have to create something different for every platform. You can—and should—share the duplicate core content across all channels. Whether it's LinkedIn, Instagram, or your website, it's all about showing up consistently with a message that reflects your brand and value. This strategy doesn't just save you time—it helps you use SEO to optimize your business content in a way that builds authority and improves rankings. Reddit, Forums, and the New Word of Mouth Platforms like Reddit are goldmines for SEO-savvy business owners. Contributing to forums and threads where your target audience hangs out acts like digital word-of-mouth marketing. If you use SEO principles—like targeting keywords even in your replies and linking to helpful resources—you build authority with users and search engines. Strategies to Strengthen Your SEO Want to build real momentum with your online presence? Here are practical ways to use SEO more effectively in your business:   About Crystal Waddell Crystal Waddell is on a mission to empower you to build a business around a life you love. She is the host of the well-known podcast, Simple and Smart SEO.  Website for Crystal Waddell Additional Resources Use Photos to Improve Your SEO - Episode 262 Twelve Tips Every Blogger Needs to Know - Blog SEO vs. Social Media Marketing - Episode 238 Download the free eBook - 5 Crucial Strategies to Start and Grow Your Business For Sustainable Success Without Social Media Access all links and full show notes  

Meeting up with Dave, he shows the Dream Chasers there's more than one way to get information without just blowing up another building.But what will they find and will it even be worth doing?Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

Come join award-winning journalist Priya David Clemens in conversation with Paul Rice, founder and former CEO of Fair Trade USA, to discuss his critical account of the past, present and future of conscious capitalism—the change it has wrought in the world and the potential it still has to confront our greatest challenges. We all have the power to change the world through the products we buy. This simple premise has driven the growth of the conscious consumer movement for decades. Indeed, what started with a handful of niche sustainability brands has exploded into the mainstream with labels like "organic," "non-GMO," and "fair trade certified" now adorning products in major retailers across the country. Yet the true promise of ethical sourcing and conscious consumerism has not been fully realized. Paul Rice has dedicated his career to helping consumers and businesses embrace the power they have to protect the environment and improve the lives of farmers and workers on the far side of our global supply chains. In Every Purchase Matters, Rice reveals the untold story of the fair-trade movement and its significance for us all. Calling on the close relationships he cultivated over the last 40 years with the pioneers of ethical sourcing—CEOs, activists, grassroots farmer leaders, and consumer advocates—Rice gives voice to the visionaries and practitioners who are making sustainable business the new normal. These protagonists share successes and failures, lessons learned, and their extraordinary impact in communities around the world. Their stories illuminate how sustainability is good not only for people and planet but also for business. Whether you're a consumer, a business leader, or an investor, Rice offers a rich and persuasive case for conscious capitalism—the change it has brought and the potential it still has to create a more just, equitable, and sustainable world. A Social Impact Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. OrganizerIan McCuaig  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I sit down with Ryan Avery — founder of Rokslide and Shoot2Hunt — for a candid conversation about the evolution of hunting media, rifle culture, and how gear reviews have changed over the past decade. Ryan shares his journey from building one of the most trusted backcountry hunting forums on the internet to launching Shoot2Hunt, a platform built to cut through marketing noise and focus on real-world rifle performance. We dig into the rise of gear-centric hunting content, the pitfalls of influencer hype, and why community trust still matters. If you're into precision shooting, backcountry gear, or just want to hear how one hunter built two of the most respected platforms in the space — this is a conversation you don't want to miss. Ryan Avery https://www.instagram.com/avery_adventures/ https://shoot2hunt.com/ https://www.rokslide.com/     Jay Nichol jay@mindfulhunter.com https://www.mindful-reviews.com/ https://www.mindfulhunter.com/   Forged In The Backcountry https://forgedinthebackcountry.com/   Merch https://www.mindfulhunter.com/shop   Newsletter https://www.mindfulhunter.com/contact   IG https://www.instagram.com/mindful_hunter/   Podcast https://www.mindfulhunter.com/podcast   Free Backcountry Nutrition Guide https://www.mindfulhunter.com/tools    

Get your estimated IELTS Band Score now with our free 2-minute quiz. Want to get a guaranteed score increase on your next IELTS Exam? Check out our 3 Keys IELTS Online course. Check out our other podcasts: All Ears English Podcast: We focus on Connection NOT Perfection when it comes to learning English. This podcast is perfect for listeners at the intermediate or advanced level. This is an award-winning podcast with more 4 million monthly downloads. Business English Podcast: Improve your Business English with 3 episodes per week, featuring Lindsay, Michelle, and Aubrey Visit our website here or https://lnk.to/website-sn Send your English question or episode topic idea to support@allearsenglish.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Your favorite podcast crew with another episode to help enhance your gameplay experiences.We talk about character building from all 3 of the breeds before they were who they are now and what along with how those choices and decisions help form character decisions into the current livesWant to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

Matt and James talk about the real reasons why Shenmue might have won the bafta for the most influential video game of all time, discussing the parts of the game considered influential, the games that were influenced, and the game developers that cited Shenmue as one of their influences.Timestamps:INTRO (00:00:00)NEWS (00:08:32)MUSIC - PROJECT X ZONE 2: SHENMUE THEME (00:39:32)MAIN DISCUSSION - SHENMUE'S INFLUENCE PART 1 (00:41:52)MUSIC - COOL Z THEME REMIX (01:37:31)MAIN DISCUSSION - SHENMUE'S INFLUENCE PART 2 (01:39:40)MUSIC - REN'S ANIME THEME (02:09:50)SHENMUE VOICES QUIZ (02:11:42)OUTRO (02:23:40)MUSIC - NIGHTFALL REMIX (02:26:08)Notable Links:* Shenmue Dojo - ⁠https://shenmuedojo.com⁠* Shenmue Dojo Discord - ⁠https://discord.com/invite/AFsFkXwjgt⁠* RADIO SEGA - ⁠https://www.radiosega.net/⁠* Terra Player - ⁠https://terraplayer.com/shows/the-shenmue-dojo-show⁠News:* Shenmue Wins a Bafta - https://shenmuedojo.com/shenmue-wins-a-bafta/* Shenmue on ITV News - https://youtu.be/7-nNaegZTts* Artwork Release - https://shenmuedojo.com/original-shenmue-development-artwork-documents/* Shenmue the Movie MIL CD - https://shenmuedojo.com/shenmue-the-movie-sega-dreamcast-mil-cd-release/* Shenmue Fan Game, Journey To Hong Kong - https://youtu.be/I_8DIA--zio* Hood Story: Hong Kong Triads - https://youtu.be/m1sOhIj72ME* Shenmue Back In Yokosuka SEGA Saturn Fan Game - https://shenmuedojo.com/shenmue-back-in-yokosuka-for-the-sega-saturn-release/* Steel Paws Review - https://shenmuedojo.com/steel-paws-the-dojo-review/Mentioned Links:* David Cage & Yu Suzuki - https://youtu.be/y8gxwGIDPFs* Toshihiro Nagoshi, Famitsu Interview - https://www.famitsu.com/news/201905/11176069.html* Yakuza Article, Medium - https://medium.com/@FreeckyCake/what-inspired-the-yakuza-series-2bd12d4e7283* Steve Gayner - https://www.vg247.com/amy-hennig-hideaki-itsuno-and-other-developers-share-their-favorite-dreamcast-games-20-years-later* Katsuhiro Harada Part 1 - https://www.phantomriverstone.com/2016/12/yu-suzuki-interview-part-1.html?m=1* Katsuhiro Harada Part 2 - https://www.phantomriverstone.com/2017/01/yu-suzuki-katsuhiro-harada-interview.html?m=1* Takayuki Nakayama - https://gamerant.com/street-fighter-6-director-nakayama-world-tour-shenmue-similar-comments/* On Your Tail - https://x.com/onyourtailgame/status/1805908996781379627, https://x.com/onyourtailgame/status/1862028439248613457, https://x.com/onyourtailgame/status/1787906782813212937Music Used:Shenmue the Animation - Justice of Ryo (Show Introduction)Project X Zone 2 - Shenmue Main ThemeShenmue the Animation - Ren's ThemeAnadil Albalushi - Cool Z Theme Remake (https://youtu.be/KKfSC6n51wk)Red Rum - Nightfall 2025 Remix (https://youtu.be/tIsZB4jWVFo)Background music is Save Shenmue Building for News, and then all FREE songs for main discussion. Quiz is What's Shenmue Main Quest.Visit the Shenmue Dojo Forums to discuss all things Shenmue: ⁠https://www.shenmuedojo.com/forum/index.php⁠Watch the visual show version for this episode on YouTube: https://youtu.be/453EOuM1YQgListen to the audio Podcast version via all good Podcast providers and Spotify.Spotify: ⁠https://open.spotify.com/show/3SHIts34fqgcHnMwbWCWJ4?si=75281fc01f5c47f9⁠Apple: ⁠https://podcasts.apple.com/ie/podcast/shenmue-dojo-show/id1546577751⁠Spotify for Podcasts: ⁠https://podcasters.spotify.com/pod/show/shenmue-dojo⁠Terra Player: ⁠https://terraplayer.com/shows/the-shenmue-dojo-show⁠Listen to our show live a day before our YouTube premiere over on Radio SEGA and Terra Player, every other Monday's from 8pm GMT! RADIO SEGA - ⁠https://www.radiosega.net/⁠Please give us your thoughts and feedback on this episode wherever you please, be it on Twitter, the Forums, or any of our contact options - we'd love to know what you thought!Subscribe to the Shenmue Dojo Show Podcast - ⁠https://podcasters.spotify.com/pod/show/shenmue-dojo/subscribe⁠Thanks for watching!

Join us, as we remember the 50th anniversary of the end of the Vietnam war, to hear the novelist and poet Quế Mai in conversation with Craig McNamara, whose father was Robert McNamara, the secretary of defense under both JFK and LBJ during the Vietnam war. Quế Mai will discuss her poetry, the long-lasting impact of war on the Vietnamese, and how Vietnam has continued to change politically after the war. She will also focus on Vietnamese literary culture, its poetry and proverbs, and the various Vietnamese “ways of life” that have survived the violent chaos of several decades of war. Having experienced the hardships of rural life first-hand in the 1970s and 1980s, Nguyễn Phan Quế Mai has used her literary skills to travel the world with her stories. The Color of Peace, her new book of poetry, can be read as a travelogue of the route one can take to forgiveness, appreciation and extending one's love for one's own people and homelands to all of humanity. Vietnam, with its more than 4,000 years of history and culture and its poetry-loving people, remains the passionate center of The Color of Peace. When read in the light of her international bestselling novels, The Mountains Sing and Dust Child, which have been translated into 27 languages, it provides her readers with a unique understanding of Vietnam's past and present and a glimpse into its future. Organizer: George Hammond   A Humanities Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Learn more about your ad choices. Visit megaphone.fm/adchoices

S10 E5 Shank and Wayne discuss agenda items from the 75th General Service Conference for the Treatment and Accessibilites, Trustees, Archives and International Coventions/Regional Forum Committees.  Living Sober Shrapnel takes a look at "Sitting in a hen house makes you a hen", "at the KP" and "unbelievably fertile powers of imagination".  If you have a question, comment or suggestion you can email Shank and Wayne at freedom@alcoholicsalive.com 

Guest: Mike SharrowMinistry: C12 Business ForumsPosition: CEO & President Website: joinc12.com 

Guest: Mike SharrowMinistry: C12 Business ForumsPosition: CEO & President Website: joinc12.com 

The pack meets back with Cheesy Dave to get some missing information.But the info they seek is going in one of two directions?Do they make the right choice and what are they really hoping to find out?Want to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

Music Not Diving is supported by AC55ID... head over to www.ac55id.com to check out the fastest growing electronic music marketplace, a central hub for music discovery, streaming and purchasing!--Watch the full video version of this episode over at youtube.com/@WeNotDivingEveryone loves a bit of nostalgia, but can you be too retro? And what do you need to do to take a classic piece of art and update it into something new?These questions are addressed on this week's episode, in which we welcome arguably the most important producer in the new wave of Jungle that has caught the imagination of so many people over the past few years.We also discuss the broader Jungle/DnB scene today, and how the various parts of it fit together, as well as Tim's personal pathway from first hearing an Andy C cd at school in the mid 2000s to his current position.And we also discuss his label, Future Retro, and the changing tactics and strategies required to be successful in today's landscape.Get involved!--If you're into what we're doing here on the pod then you can support the show on Patreon! There are two tiers - "Solidarity" for $4 a month, which features the show without ads, regular bonus podcasts, and extra content. And "Musicality" which for a mere $10 a month gets you all the music we release on Hotflush and affiliate labels AND other music too, some of which never comes out anywhere else.You can also make a one-off donation to the podcast using a card, with Paypal, or your Ethereum wallet! Head over to scubaofficial.io/support.Plus there's also a private area for Patreon supporters in the Hotflush Discord Server... but anyone can join the conversation in the public channels.Listen to the music discussed on the show via the Music Not Diving Podcast Spotify playlist Hosted on Acast. See acast.com/privacy for more information.

The COVID-19 pandemic underscored the essential role of educators in sustaining our society and economy. As families navigated the challenges of work and caregiving, teachers emerged as critical support systems, ensuring students continued learning amid unprecedented disruptions. From maintaining safe classrooms to addressing academic and emotional needs, educators have been at the forefront of our collective recovery. Join us for an engaging panel discussion at Commonwealth Club World Affairs, featuring education and policy experts who will examine the urgent need for universal access to quality education and its broader economic and democratic implications. The conversation will explore key lessons from the pandemic and outline a path toward a more equitable and resilient education system. About the Panelists Jenny Lam: Former San Francisco Board of Education commissioner and director of policy, communications, and strategic partnerships at the San Francisco Department of Early Childhood. Lam has led citywide education initiatives, including expanding childcare, mental health services in schools, and Free City College, ensuring equitable access to education resources. Tracey Mitchell: Educator, author, and former executive director of education for the Southern Christian Leadership Conference. Mitchell has developed culturally relevant curricula and after-school programs, emphasizing student success and equity in education policy. Dr. Vanessa Marrero: Executive director of Parents for Public Schools of San Francisco and a leader in education equity and policy. Marrero has extensive experience in K–12 education, community engagement, and strategic enrollment, ensuring families have access to quality public schools. Christina Jenq, Ph.D.: Labor economist specializing in education's economic impact. Jenq's research focuses on gender inequality, political economy, and workforce development, offering critical insights into how education shapes economic mobility. The discussion will be moderated by Virginia Cheung, former school board candidate and former director at Wu Yee Children's Services, who brings deep expertise in early childhood education and policy. This thought-provoking session will provide valuable perspectives on transforming education to strengthen our economy and democracy. Don't miss this opportunity to hear from leading voices shaping the future of education policy. Organizer: Virginia Cheung   A Social Impact Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us to celebrate National Poetry Month with Red Hen Press's poetic publisher, Kate Gale, and Red Hen Press poets Kim Dower, Francisco Aragón and Kim Addonizio, who will each be reading their poems that have electrified the literary world. Francisco Aragón, the director of Letras Latinas, is a gay Latino poet, the author of After Ruben. Kim Dower's new book What She Wants explores obsession and desire. And Library Journal has written that “if Kim Addonizio were an opera, the audience would never stop throwing flowers at her feet.” Michelle Meow will delve into this “living poets society” to demonstrate the talent that makes independent publisher Red Hen Press and its poets so successful. Organizer: George Hammond   A Humanities Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. See more Michelle Meow Show programs at Commonwealth Club World Affairs of California. This program contains EXPLICIT language.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Cybersecurity Today, hosted by Jim Love, the show salutes Katie Moussouris of Luta Security for her courage in speaking truth to power. The episode covers various significant news in the cybersecurity world: the explosion of identity theft in Canada's tax system, Prodaft's strategic purchase of hacker forum accounts for intelligence, Google's new security feature for Android devices, Hertz's data breach due to a vendor hack, and a US attorney's allegations against a UK intelligence firm for orchestrating a hack-for-hire scheme. Additionally, the episode discusses the troubling political ramifications following President Trump's revocation of security clearance from Chris Krebs, former CISA director, and the subsequent investigation, highlighting the importance of protecting free speech and integrity within the cybersecurity profession. 00:00 Introduction and Salute to Katie Moussoursis 00:44 Identity Theft Nightmare in Canada 03:20 Prodaft's Innovative Cybercrime Monitoring 05:22 Google's New Android Security Feature 07:08 Hertz Data Breach and Legal Implications 09:22 Controversial Hack-for-Hire Allegations 11:26 Conclusion and Final Thoughts 11:36 Speaking Truth to Power: The Case of Chris Krebs

Listeners are encouraged to call in to participate and engage with the candidates on topics important to them and the San Antonio community. Leave a message before the program at (210) 615-8982. During the live show, call 833-877-8255, email thesource@tpr.org or find us @texaspublicradio on social media platforms.

Listeners are encouraged to call in to participate and engage with the candidates on topics important to them and the San Antonio community. Leave a message before the program at (210) 615-8982. During the live show, call 833-877-8255, email thesource@tpr.org or find us @texaspublicradio on social media platforms.

The Scratchin Wolf Crew back with another 101 this time for you storytellers, to explain how important all the NPCs of the world are and how they keep the world turningWant to Talk to us?Website:  Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 4's theme is: No Culture by Silent Partner

Despite spending billions of dollars to combat homelessness, California has the largest and fastest-growing homeless population in the United States. To explain this result, some have blamed wasteful collusion between government and nonprofits to enrich themselves without ever intending to end homelessness. However, Carrie Sager says this over-simplistic conspiracy not only ignores the very real problems in the government and nonprofit sectors, but actively sabotages efforts to resolve them. Carrie Sager is the chief operating officer of Homeward Bound of Marin, the primary provider of emergency shelter and one of the largest providers of permanent supportive housing in Marin County. In her previous role as senior homelessness program coordinator for Marin County Health and Human Services, she worked with local nonprofits and city and county governments to create a coordinated system of care to house the most vulnerable people experiencing homelessness in Marin. She is one of the chief architects of Marin's homeless system of care. Prior to working in Marin, Carrie worked for HomeBase, a nonprofit law firm that works with cities and counties to implement responses to homelessness, where she worked primarily in Solano and Sacramento Counties. She has a J.D. from American University Washington College of Law. Organizer: Patrick O'Reilly   A Psychology Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Learn more about your ad choices. Visit megaphone.fm/adchoices

I offer a lot of Ireland travel advice. In over 22 years of travel to and through Ireland, I have made dozens (hundreds?) of mistakes and have learned a lot. Additionally, I spend a lot of time researching anything new, confirming and updating the information I have, and traveling (on my own dime and not... The post Getting the Most Helpful Advice from Travel Forums appeared first on Ireland Family Vacations.

Keith discusses the shift from a six-figure to a seven-figure income being necessary for a comfortable lifestyle and argues that a $5 million net worth is a minimum for financial security. He explains the benefits of leveraging a car loan for arbitrage, using a 3.99% interest rate to invest in real estate with a 20-25% total return. He also discusses the current state of the real estate market, noting that home prices and rents are expected to increase by 3-5% annually. Lower mortgage rates could increase affordability and bring more buyers into the market, potentially leading to higher home prices. Two-bedroom rents have increased by 3.7% nationwide, with significant growth in Nebraska metros. Resources: Get our wealth-building newsletter free— text ‘GRE' to 66866 Show Notes: GetRichEducation.com/548 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold today, why earning a seven figure income is the new six figures? Then a discussion on the direction of real estate prices and rents. I just bought a car though I could have paid all cash. Why did I get a loan instead? Then learn about how to perform due diligence on buying an income property with the pros and cons of turnkey real estate investing and the mistakes you must avoid today. On getricheducation.   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from the first State of Delaware to the 50th state of Hawaii and across 400 nations worldwide. I'm Keith weinholden. This is get rich education, the voice of real estate investing Since 2014 Are we really gonna change the name away from the Gulf of Mexico? Well, I'll tell you one thing. There is zero history of hurricanes in the Gulf of America, therefore, I expect the appropriate adjustment to my insurance premiums big savings. Hey, you know, despite being a geography guy, I'm really not emotionally invested in this movement to change the names of giant pieces of real estate like Denali back to Mount McKinley and the Gulf of Mexico to the Gulf of America. It's only a little interesting to me. I mean, there are just more significant things to concern oneself with. So call it either one. I don't care. I know what you're talking about. Before we talk real estate, let's discuss your personal finances. I recently watched Dr Steven Franson speak surfacing this topic, and it got me thinking, when it comes to annual income, is you earning seven figures like the new six figures. Now, I guess that earning six figures could still be a short term goal to some people that are new to the working world, but maybe as little as a decade ago, having a six figure income was aspirational, or even a sign that you made it, or could even feel wealthy. I remember that today that is so far gone. Now, of course, it depends on where you live, but today, you need 50k just to survive. Your housing would be pretty standard in that case, and I don't know that you could get much fresh, healthy food at 50k per year, you might still have to be living with your parents. You need 100k just to sort of live. Perhaps that's if you're single and you're near the coasts, or you're married without children today, you need 200k for a life with travel and some dining out. I mean, you couldn't really even ball out on your vacations, like on 200k you're gonna balk at 500 bucks a night for a resort hotel. I mean, you're staying at more of a hotel than a resort, but at 200k of income, you can usually do some discretionary spending. At 300k in a lot of places, that's what a full family needs, a household with kids in order to live a little bit beyond that, and that's a combined income both spouses. If you make 450k today, now you're able to travel pretty well. You're probably still flying coach more than first class at 450k you may or may not be paying for the airline lounge, but you are staying at some comfy hotels. You really need to make $1 million a year today to live pretty close to all out fly first class travel well. But you're still flying commercial on a million dollar salary. You're not chartering anything. If that has not bought you time to cook, you can afford an executive chef with a million dollars so that you don't have to eat restaurant food. You know, restaurant food, even at finer restaurants, is laced with seed oils. This is why what used to be a six figure lifestyle is now a seven figure lifestyle. My spin here on this also is whatever you do at any income level, 50k a year to a million bucks a year or more, buy enough time to exercise that's something that's going to matter both to you and to those that you love over the long term. All right, so that's income. How about when it comes to net worth? There is a minimum amount in my mind that you need to have in net worth for me to say that you've got it made in America today. What do you think that number is? How about that? What do you think is the threshold? What's your thought? It is $5 million that is just a starting point, a minimum net worth that you need, if you just invested that you could probably live off its income for the rest of your life. For most people, compound interest will not get you to the $5 million net worth Mark anytime soon. Only leverage will. But yeah, after the COVID induced wave of inflation years ago, you've gotta recalibrate what you think of as a lot of money, and some people haven't caught up with this still. Now, I was on that great riverboat tour of Chicago not long ago. I think I brought this up to you in a previous episode, but you know, one thing that struck me as odd was that the tour guide, he was describing Chicago skyscrapers and the architecture around us, and he said they poured millions into that project. I mean, really emphasizing that millions were spent. I mean, today millions can mean as little as 2 million. That's an amount so tiny today for a construction project that what is that like, four average homes would be $2 million I mean, some entire counties in the Bay Area have a median home price of more than $2 million just one mediocre home. So let's talk about the direction of home prices and rents nationally here. Now I do not think that home prices or rents can really climb a whole lot over the next year, like 10% appreciation. I don't see it now. I also don't see how home prices and rents could fall substantially. The reason that prices cannot spike dramatically, it's still due to an affordability constraint, and I don't expect that prices or rents are going to fall a good bit either, or really fall significantly at all, because housing demand still exceeds supply. So that's the constraint on the downside. Really, nothing has changed there. The average for sale home today, it gets between two and a half and five offers that obviously depends on the area, so you keep seeing both prices and rents increase at this range of three to 5% that's the zone that we're in now, and we've been in that zone for most of the last Two years. Really pretty modest, not exciting, appreciation rates. Zumper tells us that two bedroom rents are up 3.7%   nationwide. Rents have actually declined in some Sunbelt cities, Durham, North Carolina and Nashville are some big losers I was describing Austin to you a few weeks ago. Do you know that two national leaders in rent growth are both in the same state. Yes, these two cities are both up more than 20% in rents year over year. It's in the Midwest. Any idea where I'm talking about it is Lincoln and Omaha, Nebraska both up over 20% and perhaps recent GRE listener guest grant Frankie is happy about that. He's the only person I know that invests predominantly in Lincoln, and this is due to strong job growth and also that supply that still hasn't kept up with demand. Now back to my point about how nationally, both rent growth and price growth are still pretty modest, which is still a highly profitable formula for a leveraged investor that bought right But historically, it is kind of boring. Many believe that as soon as mortgage rates fall sharply, and a lot of surveys show this, if. That five and a half percent is the magic mortgage rate level that will increase affordability so much that home prices will soar. I'll tell you my spin on that is maybe even that remains to be seen from listening to me for 10 and a half years now, you know that the direction of the economy has a substantial effect on housing, rents and prices, a force bigger than just mortgage rates. And when mortgage rates fall and other interest rate types fall, that usually means that the economy needs the help, which might mean that employment is down. If employment falls, home prices can still rise. They usually do, but perhaps not as much as you thought they would. So my point is, is that when mortgage rates fall significantly, that does not automatically translate into soaring price growth. Again. You gotta take history over hunches. If there's one thing that feels a little different in this cycle though, it's that we do have this palpable amount of pent up housing demand, so lower rates really could bring a lot more buyers off the sidelines. So therefore, it is possible that home prices will soar if rates really plummet. It is just not axiomatic. Now I just bought a new car, though I could have paid all cash. I chose to get the loan. And before I tell you about why I considered not getting a car at all and just using Uber Lyft ride sharing services forever. But sometimes I like to go off the beaten path and trek in some remote places. So that just wouldn't work. I also travel a good bit, and I considered not owning any car that's tethered to just one place. It's just not that efficient. But it came down to freedom. I enjoy my freedom and autonomy to hop in my own car and drive it on a whim. Though I could have paid all cash for this new car purchase, I chose to put the minimum amount down, and I got a loan for about 95% of the cost of the car. Why would I do that? Car debt is surely not as good as real estate debt. With car debt, I have to repay my own loan. I cannot outsource these car debt payments to tenants, and the payment is about $900 a month. I'll have to pay all of that myself. Also, unlike real estate, a car is a depreciating asset. Unlike mortgage interest, car loan interest is typically not tax deductible either. I'm not going to rent this car out through Toro and try to get an income stream off the car. Nothing like that. So this might sound like three strikes against a car loan. I've got to make the payment myself. It's declining in value, especially as a new car. It starts depreciating fast as soon as I drive it off the lot, and I'm not going to have any tax breaks. Oh, come on. I mean, that might sound like bad debt to a lot of people. Leading GRE I am a staunch advocate for good debt. So why did I embrace a car loan to the maximum leveraged amount? Because I am making my car loan good debt. The definition of good debt is debt that makes money for you. Car loan debt is secured, meaning there is underlying collateral, the car itself. And by the way, credit card debt is an example of unsecured debt. The big reason, though, is the financing through the dealership BMW is a 3.99% interest rate for five years, my credit's perfect. So I got a good rate there. Therefore this car loan is a simple arbitrage play. I'm borrowing at a lower rate to invest at a higher rate. Look, even if my car loan rate were double 8% I would probably still get this car loan, but it's 3.99How do I have confidence that I'm going to beat that on an annualized basis over the next five years? Well, first future inflation expectations are elevated, like I touched on on last week's show, if true, inflation the real diminished purchasing power of your dollar over the next five years is 4% I mean, that's a break even for me, right there already, but I'm gonna do a lot better than that. As a real estate investor, I know that instead of sinking this money into the car, that's enough of a down payment for a rental single family. Home or almost a low cost duplex, and being cognizant that real estate pays five ways, I expect a minimum of a 20 to 25% total rate of return with low risk. Now, if you're a new listener, that last part sounded far fetched. I know that's okay. You just don't know how to calculate your ROI for an income property with a loan. Yet another way to describe my strategy here is though I could pay cash, why would I tie up that many funds in a car? So I'm cognizant of opportunity cost. Opportunity cost means that you're missing out on a greater benefit when you choose one option over another. This loan approach also keeps me more liquid. Look, keep your money. Don't give it to a bank. Make your bank take five years to get all the money, while my $900 monthly payment stays fixed the whole time as inflation just keeps relentlessly debasing the bank's payment that they get from me. I mean, with that part, it works the same way as it does in real estate or any fixed rate loan that you could get. Be mindful, by paying all cash, you would not improve your net worth at all. Nothing happens to your net worth. Paying all cash reduces both your asset column and your debt column by the same amount, and it hurts your liquidity. Now, if you've got an emergency, you could be in a case where all of your funds would be gone if you paid all cash, they're inside the car, and you might not be able to extract them back out. All right. Well, what about the depreciating asset part of this equation? That's what most cars are. Well, just like a piece of real estate, your car's value will rise or fall regardless of your equity position. That doesn't influence it at all. So I will be underwater on the car. That's a way that some people might look at it. That means that I'm going to owe more on the balance than the car is worth. That appears irresponsible to some people. Well, yeah, that just means that the bank's money is tied up in the car, not mine. I've got it off giving me a good return. Look, when you have loans, you have another type of leverage, and it's not the mathematical type that I often discuss here. I mean, have you ever owed a friend money when something untoward happens? Who is motivated to talk between the two of you? You are your friend, your friend. They're going to be the one that's willing to work with you and help you out. They've got to give you levers when there's a mal apropos occurrence and the borrower loses their job or has a medical disaster and a huge bill, the person that's owed the money is always going to keep communication lines open with you, you as the borrower, are the one that is in control. Keep your debt on, keep your own money, stay in control. And how is this car loan making money for me, if I get a, say, 23% total return from income property and keep paying a 4% car loan, that is 19% arbitrage, I mean, what an easy choice. Again, the definition of good debt is debt that is used to increase your wealth. So getting the Max car loan allows me to avoid paying that opportunity cost of having all the funds tied up in a depreciating asset. And that is how a real estate investor buys a car. Now you're a smart investor. I mean, we have a really wise, responsible audience comprised of people just like you. But what would be some reasons that a real estate investor should pay all cash? Because there are some, and a lot of them revolve around, if you're financially irresponsible, if instead you got a car loan so you could stay liquid and maintain your life as a profligate and reprobate gambling degenerate and lose it all on sports gambling through the freaking Draft Kings and FanDuel apps. Okay, that's not a good reason. But as a GRE listener, that probably is not you. I was probably not talking about you, right. There another reason to pay all cash rather than getting the loan like I have, is if you don't have the liquidity to service the 900 Dollar monthly debt payment yourself, you could be over leveraged. See the chunk that I'm investing in real estate instead of the car that real estate will produce income for me, but it actually will not produce as much as $900 in cash flow to fully offset the car payment. Now it's going to produce a few $100 but my arbitrage is being created with the summation of all of real estate's five profit centers. I've got the whole shebang now, the leverage appreciation, the cash flow, the ROA, the tax benefits and the inflation profiting all coming at you. All five. My liquidity comes from elsewhere. A third reason why a real estate investor would want to pay all cash for a car is because say that you would effectively be forced to pay all cash for the car. Because if you took on a $900 monthly payment, that would dent your mortgage loan qualifications, debt to income ratio that mortgage loan underwriters are going to look at it would hike up your DTI so much that you couldn't qualify for future income property loans. So right, there are, what was that? Three reasons that a real estate investor would want to pay all cash if they could. But let's not lose the bigger point I was talking about the exceptions there. The bigger point is that consider getting the maximum loan for your next car, or even getting a loan against your current car if you already have one without any debt on it. It's actually a rational approach, because you want to consider the loan first, since this is your money, you earned it, approach it with the strategy first of keeping your own money that you traded away your finite life's time for. Think of keeping it first and only then consider giving it away next. I am getting the biggest car loan that I can and making the minimum monthly payments all 60 months five years, I did the same thing with my last car. It is an easy choice for me in just one word, it is for the arbitrage one word, most experienced financiers and real estate investors have not been exposed to those ideas that I just shared with you, and at the least, I am confident that I just gave you something to chew on mentally. There I've been talking about the intersection of your personal finances and real estate investing. Today, I'm your host, Keith Weinhold here on episode 548 of the get rich education podcast    what have GRE listeners been doing these past few weeks, they have been scooping up BRRRR properties, employing the buy, renovate, rent, refinance and repeat strategy fueled by GRE 's recent live event. You can watch the video of the event on demand right now, get an understanding of the strategy, see why it's so lucrative, and if it interests you, even get you paired up with actual property addresses conducive to the strategy. You can do that at GRE webinars.com this event can indelibly elevate your entire socio economic class and shape your legacy. That is a deep statement. Hey, this is what 8x leverage and $500 plus of cash flow on each single family rental property can do for you with the burr strategy in Cleveland. I mean, how much earlier will this allow you to retire? The event is free to watch. You can watch from home. I mean, come on, what else are you going to do at home tonight? Spend that time cleaning out your closet or smoking meats. Maybe at least, spend that time getting a car loan. What's the opportunity cost of you smoking meats tonight when you can actionably Build a real estate legacy with the BRRRRstrategy? Strategically outsource the meat smoking to somebody else. That's what I do. It does not take much to get started. These pre renovated homes are often about 60k some GRE followers have already bought two or three at a time. You'll see Jerry's investment coach Naresh and event co host Phil. I mean, just watching him talk is amazing. Phil is America's preeminent authority on burr real estate investing. Again, you can watch the event right now, and I don't know how long we'll keep it up for, just visit GRE webinars.com    Next fatal mistakes that you've got to avoid when buying income property with some vital due diligence tips. I'm Keith Weinhold. You're listening to get rich and. Vacation.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it. If I wasn't invested myself, you can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom, family investments, liquidity fund, again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaeli Ridge personally. Start Now while it's on your mind at Ridge lending group.com that's Ridge lending group.com   Robert Kiyosaki  26:49   this is Rich Dad, Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold. And the reason I respect Keith, He's a very strong, smart, bright young man.   Keith Weinhold  27:10   Welcome back to get rich Education. I'm your host. Keith Weinhold, it's been a while, but I know that I shared with you before that my first ever out of state rental property that I bought ended up being a loser, and this is despite the fact that the turnkey provider and property manager that I was hiring for the property, they even told me not to buy the property because they couldn't keep it occupied in that neighborhood, and they told me to buy a different one instead. I didn't listen. I bought it anyway, and I lost we couldn't keep it occupied, so after a few years, I sold it to an owner, occupant, family for a small profit, but it was after years of negative cash flow, so there really wasn't any profit there, because, like I just said, we couldn't keep it occupied with a rent paying tenant that was back in 2012 near Fort Worth Texas. I bought it because it was cheap, just 153k and it looked pretty. It was brick. Those are both bad reasons to buy. Cheap doesn't always mean good. And the fact that a property looks pretty, I mean, I guess that's a somewhat good thing, but it should not be a deciding factor. I was never going to live there facts Trump feelings in investing. So my first bad experience was totally avoidable. I can only blame myself. Let me tell you about some other fatal mistakes to avoid, as we talk about some turnkey real estate investing due diligence. Since turnkey means all done for you, or another way to describe the property is a rent ready property. You know that word turnkey? It's sort of this compelling, even seductive buzzword, and it just might make you think that, ah, everything is just handled now and forever. It's gonna sail along just fine. No, it won't. Now, this is the type of investing that can change your life. This is the real estate pays five ways. Compound leverage Trumps compound interest, type of vehicle. Financially free beats that free type of vehicle. You're winning the inflation Triple Crown all those great, formulaic GRE mantras, but you better check to make sure before you get too far into it. And that's why we're talking about vital due diligence here. I think you know by now that turnkey, it means a property that's really just got three things. It's already renovated or new. Secondly, has a tenant in it, and it has professional property management from day one. Now, the property providers at GRE marketplace, they are some of the good ones. They have good reputations. Many have been in business for a long time, but some others do not. So what about a provider? Provider that's in, say, Oklahoma, but you live out of the area on one of the coasts, and this Oklahoma provider, they're trying to pass off a property in Oklahoma City or Tulsa to you, it's actually in a class D neighborhood the worst. And they're sort of presenting it like it's a Class B minus neighborhood, right? How can you hedge against that? How can you know that things are not being misrepresented to you? Well, of course, everyone knows about Google Street View. You're probably going to look at that first that's going to tell you about the street scene. It's free to use a paid service that gives you neighborhood analytics. Is it neighborhoodscout.com you want to verify crime rates in areas, income levels, poverty levels, education levels and school quality to make sure that the property characteristics are what you are being told, and some of those attributes always matter with property. I mean, crime rates matter because even though you're not living there so you're not going to be able to retain respectable rent paying tenants that would tolerate a high crime neighborhood. Understand, though, that not all crime data is the same. Violent crime is probably the worst shoplifting, I'll call that in the middle. And then most traffic violations, they're light crimes. Now, if you're buying a single family rental type, of course, the quality of the school district, well, that's going to matter more than if you're buying a building of little efficiency apartments where the school district hardly matters there, because you're not catering to families. I've mentioned before that we go look.com. Is a service where you can hire an independent inspector, not even a real estate related person, necessarily, but just an independent on the ground inspector to just go check out a neighborhood at any hour of the day or night. Now, if you have any question about the out of state neighborhood that you're buying in an easy way to get a check on the decency of the neighborhood is something really simple. Make sure the turnkey provider owns properties in the area that they're selling to you. This helps ensure that they're not offloading their problem properties onto you. That's something that's probably only going to happen with an inexperienced provider that doesn't have a reputation to protect yet. But when it comes to neighborhood quality, once I'm pretty serious about buying a property, do you know who I usually get reliable information from? And it's virtually free, and you're contacting this party anyway, so it's so easy for you that is just simply ask your property inspector. I mean, you always want that independent, certified Property inspector to walk inside every room of your prospective purchase, and they make that punch list for your seller before you close that's on either a renovated or a new build property always get that inspection. I've talked about that before, and that often costs $500 or less on a single family home, and today it's about $800 or less on a duplex, well before my inspector even checks out the place. I like to let them know that I live outside the area, and I want their insight on the neighborhood as well. I mean, inspectors live locally there, so they'll probably be able to give you a good answer before they even do your physical inspection. They already know the area really well, and it doesn't even cost you any more above your normal inspection cost to just get a little on the ground intelligence. And of course, your inspector works for a company independent of your property provider, so their information should be unbiased. They work for you. Now after the inspection, how about your appraisal and some due diligence with that, what if your appraisal comes in low. Everyone wants to talk about if your appraisal comes in high, that's instant equity that you have, but see if the appraisal comes in low with a turnkey property where everything was renovated, that may or may not be a problem, because the comparables that were used for your valuation, they don't have everything renovated in them like your property does. So the subject property, the one that you've got under contract to buy that could very well have a lot of say, new plumbing, electrical, HVAC, the roof, bathrooms, paint, flooring, lighting, kitchens. I mean, most, or all of those components could be new in yours. It's common for yours to have all those components, and then the comparables do not have those now, you and your seller, you will have to negotiate on who's going to close the appraisal gap. I've discussed that part on a previous episode, but I'm point. Out how you can still be getting value even when your appraisal is low and it's worth it. Down the road, you're going to have less maintenance headache than your appraisal comparables will most of the time. Turnkey properties are renovated to cover major systems, and that means you do not have major expenses. Soon these expenses get wrapped into your mortgage payment, and that's a lot better for you than coming out of pocket three years later to replace an entire roof. Another thing to keep in mind is that a property provider that's been in business for a lot of years, they do not have interest in selling you a lemon of a property and hurting their reputation, but that seller does have a little interest in getting the maximum dollar. I mean, that's almost intrinsically natural in human beings. I mean, everyone has that motivation, just like you do when you sell your property down the road. So these rent ready or turnkey properties, they're almost always better if you're a busy professional or you just want to spend your time doing something else. I mean, I think that's a pretty well established concept in the investing industry, but I really think these rent ready properties, they are better for even more people than just busy professionals. I mean, consider the alternative, if you try to screen and identify a property yourself and do all the rehab and manage the contractors. I mean, first of all, you can be dealing with a hard money loan where you're paying four or five points plus a 12% interest rate, since that's all that's available for distressed properties, and unless you have experience managing contractors, oh, boy, you could have construction timelines that go over by several months. Well, now that can eat a huge portion of your investment that you thought you were making. You're paying 12% and you have no tenant all this time, but instead, when you buy a rent ready property, and you've got the best mortgage rates and terms from day one, and you've got a rent paying tenant from day one, and not all these headaches and time lost and contractors are trying to manage with turnkeys at GRE marketplace, those rehabs are done by crews that work full time for the turnkey provider, so they work at more affordable rates than what you could get as an out of state buyer if you're trying to patch together contract and crews yourself. So at scale GRE marketplace providers, they're also dealing with the same material types over and over again, so they're faster at doing it. The materials are also reliably sourced. You won't have the 10s or hundreds of hours managing all this, checking with the rehabbers, checking for quality control, making sure the amount of work that you were paying for was actually done. I mean, some people listen to this show and they had that real estate pays five ways, epiphany, that big light bulb moment, but then they try to do this rehabbing and investing themselves to save a few dollars, is what they thought, and it's rarely worth it. So avoid the massive time commitments with all this. I mean, you're also going to be doing other things, coordinating inspections and permits with city municipalities. I mean, what a nightmare. GRE marketplace providers, they've already done all of that for you and more now that you've bought the property, all right, what about the potential for poor management? Choosing your property manager is of utmost importance, because that person or firm, they're going to vet your tenants, handle the repairs, collect your rents and take care of any other issues at your rental property. They'll understand the local landlord and tenant law, you're going to be seeing the property infrequently, if you ever see it at all, so keeping an eye on things becomes key. Now, once you own the property and you have the tenant in there, there is always the potential for your property manager to do a poor job, costing you money, making your investment less lucrative, I like to ask my manager if they do regular property inspections, like getting inside the unit every six months. Now, you can read online reviews, like the star reviews, the number of stars for property managers. I mean, that could be helpful. It can also quickly get misleading. You can get a lot of bad reviews on an adequate manager. Because property management is such a tough job, I think that one of the best things you can do when vetting a property manager is to ask a friend. A lot of people don't have that option. So then do a search on the bigger pockets. Forums for your prospective property manager. So read reviews. Don't just look at star ratings. And I'll tell you, property management is one of the few areas in my life where I am willing to accept a service level of adequate or mediocre. Almost no one raves about their property manager, but I do have managers because they are the guardians of my quality of life, of your standard of living. We want them to serve our tenants, but I don't want 80 tenants being able to text message me. So there you go, armed with a number of due diligence items that can help you make sure that you buy your next income property, right? GRE marketplace, we typically connect you with the experience providers, but I'm telling you this because it's prudent to do some checking on your own and inquiring like this too, in case you have any doubt. Now, you notice on GRE marketplace, where you can connect with free investment coaching as well, that the properties, at times, they seem less expensive than you would expect. Why is this? Well, investor advantage markets, they have low prices. I mean, that's just one reason that they are investor advantaged like Ohio, Indiana, parts of Pennsylvania, Michigan, Missouri, Kansas, Nebraska, Tennessee, Arkansas, Georgia, Alabama, Oklahoma, Texas and some of the other Mid Atlantic states And Florida, another reason the GRE market prices seem low is that there is no agent that has to be compensated. It is a direct model. Another reason is economies of scale. Providers provide homes in bulk, so there are savings that way, and there also aren't any owner occupied emotions evolved with income properties. Those emotions can run up the price, or what they really do is they keep it stuck at a high price. So to help you review what you've learned today, a seven figure income is the new six figures. Real estate prices and rents just keep moving up, but modestly for the time being, a car loan can be good debt when you have a reasonable expectation that you can create arbitrage and sufficient liquidity in your life. And though income property is perhaps the most proven wealth generator ever, there are some mistakes to avoid when it comes to buying right between the guidance that you have today and the help of our completely free investment coaching another safety layer. If you're confident that it can benefit you, I encourage you to engage and move at the speed of instruction. It's the only way that you'll benefit I built this resource. I really wish it existed when I started out, and it's available for you at GRE marketplace.com, until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  43:18   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.   Keith Weinhold  43:42   You know, whenever you want the best written real estate and finance info, Oh, geez. Today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by. Your home for wealth, building, getricheducation.com.