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The MacVoices Live! panel talks brand genericization (“AirPods” for all earbuds), a quirky AirPods Max fix, and first-week impressions of new Apple gear. Chuck Joiner, Dave Ginsburg, Brian Flanigan-Arthurs, Ben Roethig, Jeff Gamet, Eric Bolden, Marty Jencius Jim Rea, and Web Bixby relate stories of iPhone 17 setup, camera zoom and landscape selfie tricks, store launch crowds, cases and scratch concerns, Liquid Glass readability, Apple Watch Ultra 3, AirPods Pro 3 translation limits, and an M3 iPad Air upgrade with education-store trade-in twists. http://traffic.libsyn.com/maclevelten/MV25252.mp3 This edition of MacVoices is brought to you by the MacVoices Dispatch, our weekly newsletter that keeps you up-to-date on any and all MacVoices-related information. Subscribe today and don't miss a thing. Show Notes: Chapters: [0:03] Newsletter plug [0:21] “AirPods” as a generic term [3:55] AirPods Max freezer fix success [6:36] New iPhone launch week check-in [11:42] Device migrations and methods [13:43] Apple Store pickup experiences [19:19] Hands-on with iPhone Air [20:04] Watch Ultra 3 and accessories [24:22] Purchase patterns and upgrades [25:50] M3 iPad Air trade-in journey [28:48] Liquid Glass readability; scratch worries| [33:25] Concert testing: 40× zoom results Links: iPhone 17 buyers pack Apple Stores worldwide https://appleinsider.com/articles/25/09/19/iphone-17-buyers-pack-apple-stores-worldwide Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Ben Roethig has been in the Apple Ecosystem since the System 7 Days. He is the a former Associate Editor with Geek Beat, Co-Founder of The Tech Hangout and Deconstruct and currently shares his thoughts on RoethigTech. Contact him on Twitter and Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The panel of Chuck Joiner, Dave Ginsburg, Brian Flanigan-Arthurs, Ben Roethig, Jeff Gamet, Eric Bolden, Marty Jencius, Jim Rea, and Web Bixby share how they use technology across personal and professional projects — from AI tools like Teams Copilot and MacWhisper to collaborative Google Slides and automation. One panel member discusses managing a massive listserv and combating spam research posts, while others highlight advances in Apple silicon and side ventures like an eclectic food pursuit. The group shares evolving workflows, collaboration, and unexpected tech support moments. This edition of MacVoices is supported by The MacVoices Slack. Available all Patrons of MacVoices. Sign up at Patreon.com/macvoices. Show Notes: Chapters: [0:00] Introductions and panel greetings [5:22] Exploring personal tech projects and AI tools [7:09] Using Google Slides across platforms for collaboration [9:02] Teams Premium and AI transcription in corporate settings [11:35] Managing large listservs and research spam challenges [15:06] MacWhisper performance comparisons and Apple Silicon speed [19:42] Creative projects: black walnut syrup and tech integration [22:08] Real-world client support and unexpected tech help [24:51] Closing reflections and community engagement Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Ben Roethig has been in the Apple Ecosystem since the System 7 Days. He is the a former Associate Editor with Geek Beat, Co-Founder of The Tech Hangout and Deconstruct and currently shares his thoughts on RoethigTech. Contact him on Twitter and Mastodon. Guests: Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Functional movement disorders are a common clinical concern for neurologists. The principle of “rule-in” diagnosis, which involves demonstrating the difference between voluntary and automatic movement, can be carried through to explanation, triage, and evidence-based multidisciplinary rehabilitation therapy. In this episode, Gordon Smith, MD, FAAN speaks Jon Stone, PhD, MB, ChB, FRCP, an author of the article “Multidisciplinary Treatment for Functional Movement Disorder” in the Continuum® August 2025 Movement Disorders issue. Dr. Smith is a Continuum® Audio interviewer and a professor and chair of neurology at Kenneth and Dianne Wright Distinguished Chair in Clinical and Translational Research at Virginia Commonwealth University in Richmond, Virginia. Dr. Stone is a consultant neurologist and honorary professor of neurology at the Centre for Clinical Brain Sciences at the University of Edinburgh in Edinburgh, United Kingdom. Additional Resources Read the article: Multidisciplinary Treatment for Functional Movement Disorder Subscribe to Continuum®: shop.lww.com/Continuum Continuum® Aloud (verbatim audio-book style recordings of articles available only to Continuum® subscribers): continpub.com/Aloud More about the American Academy of Neurology: aan.com Social Media facebook.com/continuumcme @ContinuumAAN Host: @gordonsmithMD Guest: @jonstoneneuro Full episode transcript available here Dr Jones: This is Dr Lyell Jones, Editor-in-Chief of Continuum. This exclusive Continuum Audio interview is available only to you, our subscribers. We hope you enjoy it. Thank you for listening. Dr Smith: Hello, this is Dr Gordon Smith. Today I've got the great pleasure of interviewing Dr Johnstone about his article on the multidisciplinary treatment for functional neurologic disorder, which he wrote with Dr Alan Carson. This article will appear in the August 2025 Continuum issue on movement disorders. I will say, Jon, that as a Continuum Audio interviewer, I usually take the interviews that come my way, and I'm happy about it. I learn something every time. They're all a lot of fun. But there have been two instances where I go out and actively seek to interview someone, and you are one of them. So, I'm super excited that they allowed me to talk with you today. For those of our listeners who understand or are familiar with FND, Dr Stone is a true luminary and a leader in this, both in clinical care and research. He's also a true humanist. And I have a bit of a bias here, but he was the first awardee of the Ted Burns Humanism in Neurology award, which is a real honor and reflective of your great work. So welcome to the podcast, Jon. Maybe you can introduce yourself to our audience. Dr Stone: Well, thank you so much, Gordon. It was such a pleasure to get that award, the Ted Burns Award, because Ted was such a great character. I think the spirit of his podcasts is seen in the spirit of these podcasts as well. So, I'm a neurologist in Edinburgh in Scotland. I'm from England originally. I'm very much a general neurologist still. I still work full-time. I do general neurology, acute neurology, and I do two FND clinics a week. I have a research group with Alan Carson, who you mentioned; a very clinical research group, and we've been doing that for about 25 years. Dr Smith: I really want to hear more about your clinical approach and how you run the clinic, but I wonder if it would be helpful for you to maybe provide a definition. What's the definition of a functional movement disorder? I mean, I think all of us see these patients, but it's actually nice to have a definition. Dr Stone: You know, that's one of the hardest things to do in any paper on FND. And I'm involved with the FND society, and we're trying to get together a definition. It's very hard to get an overarching definition. But from a movement disorder point of view, I think you're looking at a disorder where there is an impairment of voluntary movement, where you can demonstrate that there is an automatic movement, which is normal in the same movement. I mean, that's a very clumsy way of saying it. Ultimately, it's a disorder that's defined by the clinical features it has; a bit like saying, what is migraine? You know? Or, what is MS? You know, it's very hard to actually say that in a sentence. I think these are disorders of brain function at a very broad level, and particularly with FND disorders, of a sort of higher control of voluntary movement, I would say. Dr Smith: There's so many pearls in this article and others that you've written. One that I really like is that this isn't a diagnosis of exclusion, that this is an affirmative diagnosis that have clear diagnostic signs. And I wonder if you can talk a little bit about the diagnostic process, arriving at an FND diagnosis for a patient. Dr Stone: I think this is probably the most important sort of “switch-around” in the last fifteen, twenty years since I've been involved. It's not new information. You know, all of these diagnostic signs were well known in the 19th century; and in fact, many of them were described then as well. But they were kind of lost knowledge, so that by the time we got to the late nineties, this area---which was called conversion disorder then---it was written down. This is a diagnosis of exclusion that you make when you've ruled everything out. But in fact, we have lots of rule in signs, which I hope most listeners are familiar with. So, if you've got someone with a functional tremor, you would do a tremor entrainment test where you do rhythmic movements of your thumb and forefinger, ask the patient to copy them. It's very important that they copy you rather than make their own movements. And see if their tremor stops briefly, or perhaps entrains to the same rhythm that you're making, or perhaps they just can't make the movement. That might be one example. There's many examples for limb weakness and dystonia. There's a whole lot of stuff to learn there, basically, clinical skills. Dr Smith: You make a really interesting point early on in your article about the importance of the neurological assessment as part of the treatment of the patient. I wonder if you could talk to our listeners about that. Dr Stone: So, I think, you know, there's a perception that- certainly, there was a perception that that the neurologist is there to make a diagnosis. When I was training, the neurologist was there to tell the patient that they didn't have the kind of neurological problem and to go somewhere else. But in fact, that treatment process, when it goes well, I think begins from the moment you greet the patient in the waiting room, shake their hand, look at them. Things like asking the patient about all their symptoms, being the first doctor who's ever been interested in their, you know, horrendous exhaustion or their dizziness. You know, questions that many patients are aware that doctors often aren't very interested in. These are therapeutic opportunities, you know, as well as just taking the history that enable the patient to feel relaxed. They start thinking, oh, this person's actually interested in me. They're more likely to listen to what you've got to say if they get that feeling off you. So, I'd spend a lot of time going through physical symptoms. I go through time asking the patient what they do, and the patients will often tell you what they don't do. They say, I used to do this, I used to go running. Okay, you need to know that, but what do they actually do? Because that's such valuable information for their treatment plan. You know, they list a whole lot of TV shows that they really enjoy, they're probably not depressed. So that's kind of useful information. I also spend a lot of time talking to them about what they think is wrong. Be careful, that they can annoy patients, you know. Well, I've come to you because you're going to tell me what's wrong. But what sort of ideas had you had about what was wrong? I need to know so that I can deal with those ideas that you've had. Is there a particular reason that you're in my clinic today? Were you sent here? Was it your idea? Are there particular treatments that you think would really help you? These all set the scene for what's going to come later in terms of your explanation. And, more importantly, your triaging of the patient. Is this somebody where it's the right time to be embarking on treatment, which is a question we don't always ask yourself, I think. Dr Smith: That's a really great point and kind of segues to my next question, which is- you talked a little bit about this, right? Generally speaking, we have come up with this is a likely diagnosis earlier, midway through the encounter. And you talked a little bit about how to frame the encounter, knowing what's coming up. And then what's coming up is sharing with the patient our opinion. In your article, you point out this should be no different than telling someone they have Parkinson's disease, for instance. What pearls do you have and what pitfalls do you have in how to give the diagnosis? And, you know, a lot of us really weren't trained to do this. What's the right way, and what are the most common land mines that folks step on when they're trying to share this information with patients? Dr Stone: I've been thinking about this for a long time, and I've come to the conclusion that all we need to do with this disorder is stop being weird. What goes wrong? The main pitfall is that people think, oh God, this is FND, this is something a bit weird. It's in a different box to all of the other things and I have to do something weird. And people end up blurting out things like, well, your scan was normal or, you haven't got epilepsy or, you haven't got Parkinson's disease. That's not what you normally do. It's weird. What you normally do is you take a deep breath and you say, I'm sorry to tell you've got Parkinson's disease or, you have this type of dystonia. That's what you normally say. If you follow the normal- what goes wrong is that people don't follow the normal rules. The patient picks up on this. What's going on here? This doctor's telling me what I don't have and then they're starting to talk about some reason why I've got this, like stress, even though I don't- haven't been told what it is yet. You do the normal rules, give it a name, a name that you're comfortable with, preferably as specific as possible: functional tremor, functional dystonia. And then do what you normally do, which is explain to the patient why you think it's this. So, if someone's got Parkinson's, you say, I think you've got Parkinson's because I noticed that you're walking very slowly and you've got a tremor. And these are typical features of Parkinson. And so, you're talking about the features. This is where I think it's the most useful thing that you can do. And the thing that I do when it goes really well and it's gone badly somewhere else, the thing I probably do best, what was most useful, is showing the patient their signs. I don't know if you do that, Gordon, but it's maybe not something that we're used to doing. Dr Smith: Wait, maybe you can talk more about that, and maybe, perhaps, give an example? Talk about how that impacts treatment. I was really impressed about the approach to physical therapy, and treatment of patients really leverages the physical examination findings that we're all well-trained to look for. So maybe explore that a little bit. Dr Stone: Yeah, I think absolutely it does. And I think we've been evolving these thoughts over the last ten or fifteen years. But I started, you know, maybe about twenty years ago, started to show people their tremor entrainment tests. Or their Hoover sign, for example; if you don't know Hoover sign, weakness of hip extension, that comes back to normal when the person's flexing their normal leg, their normal hip. These are sort of diagnostic tricks that we had. Ahen I started writing articles about FND, various senior neurologists said to me, are you sure you should write this stuff down? Patients will find out. I wrote an article with Marc Edwards called “Trick or Treat in Neurology” about fifteen years ago to say that actually, although they're they might seem like tricks, there really are treats for patients because you're bringing the diagnosis into the clinic room. It's not about the normal scan. You can have FND and MS. It's not about the normal scan. It's about what you're seeing in front of you. If you show that patient, yes, you can't move your leg. The more you try, the worse it gets. I can see that. But look, lift up your other leg. Let me show you. Can you see now how strong your leg is? It's such a powerful way of communicating to the patient what's wrong with them diagnostically, giving them that confidence. What it's also doing is showing them the potential for improvement. It's giving them some hope, which they badly need. And, as we'll perhaps talk about, the physio treatment uses that as well because we have to use a different kind of physio for many forms of functional movement disorder, which relies on just glimpsing these little moments of normal function and promoting them, promoting the automatic movement, squashing down that abnormal pattern of voluntary movement that people have got with FND. Dr Smith: So, maybe we can talk about that now. You know, I've got a bunch of other questions to ask you about mechanism and stuff, but let's talk about the approach to physical therapy because it's such a good lead-in and I always worry that our physical therapists aren't knowledgeable about this. So, maybe some examples, you have some really great ones in the article. And then words of wisdom for us as we're engaging physical therapists who may not be familiar with FND, how to kind of build that competency and relationship with the therapist with whom you work. Dr Stone: Some of the stuff is the same. Some of the rehabilitation ideas are similar, thinking about boom and bust activity, which is very common in these patients, or grading activity. That's similar, but some of them are really different. So, if you have a patient with a stroke, the physiotherapist might be very used to getting that person to think and look at their leg to try and help them move, which is part of their rehabilitation. In FND, that makes things worse. That's what's happening in Hoover sign and tremor entrainment sign. Attention towards the limb is making it worse. But if the patient's on board with the diagnosis and understands it, they'll also see what you need to do, then, in the physio is actively use distraction in a very transparent way and say to the patient, look, I think if I get you to do that movement, and I'll film you, I think your movement's going to look better. Wouldn't that be great if we could demonstrate that? And the patient says, yeah, that would be great. We're kind of actively using distraction. We're doing things that would seem a bit strange for someone with other forms of movement disorder. So, the patients, for example, with functional gait disorders who you discover can jog quite well on a treadmill. In fact, that's another diagnostic test. Or they can walk backwards, or they can dance or pretend that they're ice skating, and they have much more fluid movements because their ice skating program in their brain is not corrupted, but their normal walking program is. So, can you then turn ice skating or jogging into normal walking? It's not that complicated, I think. The basic ideas are pretty simple, but it does require some creativity from whoever's doing the therapy because you have to use what the patient's into. So, if the patient used to be a dancer- we had a patient who was a, she was really into ballet dancing. Her ballet was great, but her walking was terrible. So, they used ballet to help her walk again. And that's incredibly satisfying for the therapist as well. So, if you have a therapist who's not sure, there are consensus recommendations. There are videos. One really good success often makes a therapist want to do that again and think, oh, that's interesting. I really helped that patient get better. Dr Smith: For a long time, this has been framed as a mental health issue, conversion disorder, and maybe we can talk a little bit about early life of trauma as a risk factor. But, you know, listening to you talk, it sounds like a brain network problem. Even the word “functional”, to me, it seems a little judgmental. I don't know if this is the best term, but is this really a network problem? Dr Stone: The word “functional”, for most neurologists, sounds judgmental because of what you associate it with. If you think about what the word actually is, it's- it does what it says on the tin. There's a disordered brain function. I mean, it's not a great word. It's the least worst term, in my view. And yes, of course it's a brain network problem, because what other organ is it going to be? You know, that's gone wrong? When software brains go wrong, they go wrong in networks. But I think we have to be careful not to swing that pendulum too far to the other side because the problem here, when we say asking the question, is this a mental health problem or a neurological one, we're just asking the wrong question. We're asking a question that makes no sense. However you try and answer that, you're going to get a stupid answer because the question doesn't make sense. We shouldn't have those categories. It's one organ. And what's so fascinating about FND---and I hope what can incite your sort of curiosity about it---is this disorder which defies this categorization. You see some patients with it, they say, oh, they've got a brain network disorder. Then you meet another patient who was sexually abused for five years by their uncle when they were nine, between nine and fourteen; they developed an incredibly strong dissociative threat response into that experience. They have crippling anxiety, PTSD, interpersonal problems, and their FND is sort of somehow a part of that; part of that experience that they've had. So, to ignore that or to deny or dismiss psychological, psychiatric aspects, is just as bad and just as much a mistake as to dismiss the kind of neurological aspects as well. Dr Smith: I wonder if this would be a good time to go back and talk a little bit about a concept that I found really interesting, and that is FND as a prodromal syndrome before a different neurological problem. So, for instance, FND prodromal to Parkinson's disease. Can you talk to us a little bit about that? I mean, obviously I was familiar with the fact that patients who have nonepileptic seizurelike events often have epileptic seizures, but the idea of FND ahead of Parkinson's was new to me. Dr Stone: So, this is definitely a thing that happens. It's interesting because previously, perhaps, if you saw someone who was referred with a functional tremor---this has happened to me and my colleagues. They send me some with a functional tremor. By the time I see them, it's obvious they've got Parkinson's because it's been a little gap. But it turns out that the diagnosis of functional tremor was wrong. It was just that they've developed that in the prodrome of Parkinson's disease. And if you think about it, it's what you'd expect, really, especially with Parkinson's disease. We know people develop anxiety in the prodrome of Parkinson's for ten, fifteen years before it's part of the prodrome. Anxiety is a very strong risk factor for FND, and they're already developing abnormalities in their brain predisposing them to tremor. So, you put those two things together, why wouldn't people get FND? It is interesting to think about how that's the opposite of seizures, because most people with comorbidity of functional seizures and epilepsy, 99% of the time the epilepsy came first. They had the experience of an epileptic seizure, which is frightening, which evokes strong threat response and has somehow then led to a recapitulation of that experience in a functional seizure. So yeah, it's really interesting how these disorders overlap. We're seeing something similar in early MS where, I think, there's a slight excess of functional symptoms; but as the disease progresses, they often become less, actually. Dr Smith: What is the prognosis with the types of physical therapy? And we haven't really talked about psychological therapy, but what's the success rate? And then what's the relapse rate or risk? Dr Stone: Well, it does depend who they're seeing, because I think---as you said---you're finding difficult to get people in your institution who you feel are comfortable with this. Well, that's a real problem. You know, you want your therapists to know about this condition, so that matters. But I think with a team with a multidisciplinary approach, which might include psychological therapy, physio, OT, I think the message is you can get really good outcomes. You don't want to oversell this to patients, because these treatments are not that good yet. You can get spectacular outcomes. And of course, people always show the videos of those. But in published studies, what you're seeing is that most studies of- case series of rehabilitation, people generally improve. And I think it's reasonable to say to a patient, that we have these treatments, there's a good chance it's going to help you. I can't guarantee it's going to help you. It's going to take a lot of work and this is something we have to do together. So, this is not something you're going to do to the patient, they're going to do it with you. Which is why it's so important to find out, hey, do they agree with you with the diagnosis? And check they do. And is it the right time? It's like when someone needs to lose weight or change any sort of behavior that they've just become ingrained. It's not easy to do. So, I don't know if that helps answer the question. Dr Smith: No, that's great. And you actually got right where I was wanting to go next, which is the idea of timing and acceptance. You brought this up earlier on, right? So, sometimes patients are excited and accepting of having an affirmative diagnosis, but sometimes there's some resistance. How do you manage the situation where you're making this diagnosis, but a patient's resistant to it? Maybe they're fixating on a different disease they think they have, or for whatever reason. How do you handle that in terms of initiating therapy of the overall diagnostic process? Dr Stone: We should, you know, respect people's rights to have whatever views they want about what's wrong with them. And I don't see my job as- I'm not there to change everyone's mind, but I think my job is to present the information to them in a kind of neutral way and say, look, here it is. This is what I think. My experience is, if you do that, most people are willing to listen. There are a few who are not, but most people are. And most of the time when it goes wrong, I have to say it's us and not the patients. But I think you do need to find out if they can have some hope. You can't do rehabilitation without hope, really. That's what you're looking for. I sometimes say to patients, where are you at with this? You know, I know this is a really hard thing to get your head around, you've never heard of it before. It's your own brain going wrong. I know that's weird. How much do you agree with it on a scale of naught to ten? Are you ten like completely agreeing, zero definitely don't? I might say, are you about a three? You know, just to make it easy for them to say, no, I really don't agree with you. Patients are often reluctant to tell you exactly what they're thinking. So, make it easy for them to disagree and then see where they're at. If they're about seven, say, that's good. But you know, it'd be great if you were nine or ten because this is going to be hard. It's painful and difficult, and you need to know that you're not damaging your body. Those sort of conversations are helpful. And even more importantly, is it the right time? Because again, if you explore that with people, if a single mother with four kids and, you know, huge debts and- you know, it's going to be very difficult for them to engage with rehab. So, you have to be realistic about whether it's the right time, too; but keep that hope going regardless. Dr Smith: So, Jon, there's so many things I want to talk to you about, but maybe rather than let me drive it, let me ask you, what's the most important thing that our listeners need to know that I haven't asked you about? Dr Stone: Oh God. I think when people come and visit me, they sometimes, let's go and see this guy who does a lot of FND, and surely, it'll be so easy for him, you know? And I think some of the feedback I've had from visitors is, it's been helpful to watch, to see that it's difficult for me too. You know, this is quite hard work. Patients have lots of things to talk about. Often you don't have enough time to do it in. It's a complicated scenario that you're unravelling. So, it's okay if you find it difficult work. Personally, I think it's very rewarding work, and it's worth doing. It's worth spending the time. I think you only need to have a few patients where they've improved. And sometimes that encounter with the neurologist made a huge difference. Think about whether that is worth it. You know, if you do that with five patients and one or two of them have that amazing, really good response, well, that's probably worth it. It's worth getting out of bed in the morning. I think reflecting on, is this something you want to do and put time and effort into, is worthwhile because I recognize it is challenging at times, and that's okay. Dr Smith: That's a great number needed to treat, five or six. Dr Stone: Exactly. I think it's probably less than that, but… Dr Smith: You're being conservative. Dr Stone: I think deliberately pessimistic; but I think it's more like two or three, yeah. Dr Smith: Let me ask one other question. There's so much more for our listeners in the article. This should be required reading, in my opinion. I think that of most Continuum, but this, I really truly mean it. But I think you've probably inspired a lot of listeners, right? What's the next step? We have a general or comprehensive neurologist working in a community practice who's inspired and wants to engage in the proactive care of the FND patients they see. What's the next step or advice you have for them as they embark on this? It strikes me, like- and I think you said this in the article, it's hard work and it's hard to do by yourself. So, what's the advice for someone to kind of get started? Dr Stone: Yeah, find some friends pretty quick. Though, yeah, your own enthusiasm can take you a long way, you know, especially with we've got much better resources than we have. But it can only take you so far. It's really particularly important, I think, to find somebody, a psychiatrist or psychologist, you can share patients with and have help with. In Edinburgh, that's been very important. I've done all this work with the neuropsychiatrist, Alan Carson. It might be difficult to do that, but just find someone, send them an easy patient, talk to them, teach them some of this stuff about how to manage FND. It turns out it's not that different to what they're already doing. You know, the management of functional seizures, for example, is- or episodic functional movement disorders is very close to managing panic disorder in terms of the principles. If you know a bit about that, you can encourage people around you. And then therapists just love seeing these patients. So, yeah, you can build up slowly, but don't- try not to do it all on your own, I would say. There's a risk of burnout there. Dr Smith: Well, Dr Stone, thank you. You don't disappoint. This has really been a fantastic conversation. I really very much appreciate it. Dr Stone: That's great, Gordon. Thanks so much for your time, yeah. Dr Smith: Well, listeners, again, today I've had the great pleasure of interviewing Dr Jon Stone about his article on the multidisciplinary treatment for functional neurologic disorder, which he wrote with Dr Alan Carson. This article appears in the August 2025 Continuum issue on movement disorders. Please be sure to check out Continuum Audio episodes from this and other issues. And listeners, thank you once again for joining us today. Dr Monteith: This is Dr Teshamae Monteith, Associate Editor of Continuum Audio. We hope you've enjoyed this subscriber-exclusive interview. Thank you for listening.
The Social Security Fairness Act, which was signed into law at the start of 2025, has been in effect for about nine months since this game-changing legislation repealed both the Windfall Elimination Provision and the Government Pension Offset, restoring and increasing Social Security benefits for millions of retirees, especially teachers and public employees who worked in jobs exempt from Social Security. In this episode, I discuss exactly who qualifies for these newly restored benefits, explain how the Social Security Administration is handling the rollout, and give you a step-by-step guide on what to do if you haven't received your payment yet. I'll also walk you through critical tax changes you'll need to consider if you're now receiving this extra income, and practical strategies to avoid any nasty tax surprises at the end of the year. You will want to hear this episode if you are interested in... [02:26] Social Security Fairness Act overview and impact. [05:57] Who is eligible for Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). [07:35] Applying for your benefits. [08:16] How much Social Security becomes taxable. [11:09] Increasing withholding on pensions, IRA, 401(k), or earned income. What Is the Social Security Fairness Act? Signed into law by President Biden in January 2025, the Social Security Fairness Act has restored benefits for millions of retirees who were previously penalized due to their employment in jobs that were exempt from Social Security taxes. These roles frequently include teachers and certain municipal or state employees. For years, retirees in those positions received a reduced Social Security benefit due to provisions known as the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Windfall Elimination Provision (WEP): Affected individuals who worked in both Social Security-covered and non-covered jobs, resulting in a reduced Social Security benefit. Government Pension Offset (GPO): Reduced the spousal or survivor Social Security benefit for those receiving a government pension from non-covered employment (like teachers in Connecticut). With the repeal of these two provisions, retirees are now eligible to receive their full Social Security benefit, as well as the entirety of their eligible spousal or survivor benefits, regardless of their pension amount. Who Is Impacted? The Act primarily benefits retirees who worked in state or municipal jobs excluded from Social Security wage contributions (think teachers, police, firefighters, or other state employees in certain states). It also helps spouses or survivors of such retirees, who, under the GPO, were denied or saw dramatic reductions in their spousal/survivor benefits. As an example, if a teacher in Connecticut was receiving a $3,000/month pension, they were previously eligible for only a fraction of their spouse's Social Security survivor benefit. Now, with the Act's passage, they can receive the full amount, eliminating a significant hardship for many families. The Social Security Administration has processed around 3.1 million payments, exceeding prior estimates, and paid out approximately $17 billion. However, some eligible recipients have yet to see increases, particularly those who never filed because they believed they wouldn't qualify. What Should You Do If You're Eligible? If you haven't received a payment adjustment, you might be missing out on thousands of dollars. File or Re-file: Eligible recipients should visit SSA.gov to update or submit a new application for benefits. Check Your Status: Even if you're not currently receiving Social Security, consult the SSA to determine your eligibility for individual, spousal, or survivor benefits, especially once you reach full retirement age (typically between 66-67). Lots of people have been automatically credited and are receiving retroactive payments, but those who never applied in the first place due to WEP and GPO restrictions must now take proactive steps. Tax Implications of Increased Social Security Benefits More income is always welcome, but it may come with new tax responsibilities. Here's what you need to know: Social Security Taxation Basics: Taxability depends on your total income: adjusted gross income (AGI), plus half of your Social Security benefit, plus tax-exempt interest. Generally, married couples with less than $32,000 combined income owe no tax on Social Security, and between $32,000 and $44,000, up to 50% of benefits may be taxable, then over $44,000, up to 85% of benefits can be taxable. For individuals, the thresholds are $25,000 and $34,000. Avoid Surprises by adjusting your tax withholding, either by filing IRS Form W-4V for Social Security, or updating withholdings on pensions or retirement accounts. You may also make quarterly estimated payments, especially if you live in a state with income tax. Social Security does not withhold state income taxes, so plan accordingly to avoid penalties and interest. With these changes, it's more important than ever to review your retirement plan and tax strategy. Speak to a qualified accountant and financial advisor to ensure you are maximizing your benefits and staying compliant with tax requirements. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Social Security Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
It's Monday, September 29th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Muslim crowd demands Indonesian church halts worship A Muslim crowd near Jakarta, Indonesia demanded a Christian congregation suspend worship on Sunday, September 21st, reports Morning Star News. In Tangerang at least 20 Muslims arrived at the Indonesian Bethel Church at 9:00 a.m., an hour before the congregation was to begin worship in a shophouse, a video recording shows. The Muslims demanded a halt to all worship until the church obtains all relevant permits. Slovakia bans surrogacy and homosexual adoption, recognize only two sexes Last Friday, the nation of Slovakia rejected European Union legislation by amending its constitution to enshrine recognition of only two sexes, ban the practice of surrogacy, and restrict adoption to heterosexual married couples, reports LifeSiteNews.com. Genesis 2:24 says, "Therefore, a man shall leave his father and his mother and hold fast to his wife, and they shall become one flesh.” Gunman kills two and injures eight at Mormon place of worship A gunman opened fire inside a Michigan Mormon place of worship, 60 miles northwest of Detroit, at 10:25am ET during the Sunday service, killing two people and injuring eight. He then set the building ablaze, before police shot and killed him, reports ABC News. Police Chief William Renye said hundreds of people were inside the building in Grand Blanc Township when a 40-year-old man rammed his vehicle into the front door, then exited the vehicle, and started shooting. The gunman has been identified as Thomas Jacob Sanford, reports NBC News. The suspect is believed to have set the building on fire which caused a five-alarm blaze that caused a partial collapse of the structure. Flames and smoke could be seen for hours before the blaze was put out. Investigators wonder whether the shooting is connected with the death of the oldest-ever president of Latter-day Saints, Russell Nelson, who died at the age of 101 the day before. The next Mormon president is expected to be 93-year-old Dallin Oaks, per Mormon protocol. Christian pastor denied access to Dallas airport chapel A Christian pastor was denied access to the chapel at Dallas-Fort Worth International Airport by a Muslim cleric, reports Christian talk host Todd Starnes. Tom Ascol, a prominent Southern Baptist pastor, wrote on social media that he had been in Dallas to visit the grieving family of Voddie Baucham, a renowned pastor and scholar. Ascol said that he heard an announcement inviting passengers to visit the Meadows Chapel for a prayer service. The announcement included the phrase “all are welcome.” Ascol wrote on X, “With broken heart I went hoping maybe Scripture would at least be read. Instead, I found this & was denied access.” The Baptist pastor posted a photograph of Muslims inside the chapel kneeling on prayer rugs. The pastor said he was physically blocked from entering the room. He explained, “They blocked my way in the inner room. A man who had offered a loud prayer, not the Imam, said I could come in if I took my shoes off. I refused.” Church attendance rising after Kirk's murder, particularly among youth Some pastors have reported seeing an increase in church attendance following the assassination of Charlie Kirk, the conservative Christian founder of Turning Point USA, particularly among young adults, some of whom haven't attended a worship service in years, reports The Christian Post. JP De Gance, the founder and president of Communio, a ministry that helps churches evangelize better and expand their outreach capacities, believes that Kirk's message has inspired many young people to experience the Christian faith through a church community. He said, “[There has been] a lot of anecdotal feedback from churches in Pennsylvania, Ohio, Michigan, Illinois, and Douglas County, Colorado, reporting that they've seen an increase [in attendance] over the last two Sundays." Communio, which serves around 400 churches nationwide, has received reports of increased attendance from various religious denominations. Speculating on why Kirk's death, which was headline news worldwide, might have been the driving force to get young people to attend church, De Gance said that perhaps some began to take stock of their lives after hearing that someone within their age range had died a violent death. De Gance believes that more young people are coming to know who Charlie Kirk was and what he had to say about marriage, family and living for Christ, beliefs that reportedly were the reason why Tyler Robinson targeted him. He said, “I think that causes a level of introspection. I think that causes people to ask, ‘What am I living for right now?'” Why Tim Allen forgave drunk driver who killed his father And finally, in a podcast with Michael Rowe, Tim Allen, the 72-year-old former star of the Home Improvement sitcom, shared the story of his father's death in 1964. ALLEN: “My father was killed by a drunk driver when I was 11 years old. Luckily, he was the only one killed, but he died in my mother's lap. My other two brothers were thrown around the car. A lot of kids were hurt.” Tim Allen's father had been driving home from a Colorado football game with six children in the vehicle along with his wife. Tim was not in the car that day. The drunk driver swerved across I-70, went through a median, and hit the car. Tim explained what his uncle told him. ALLEN: “And then I'm walking down to my house, knowing something terrible had happened. I get to the house, there's police, and my uncle was there and said, ‘Man up. You know, your mom needs you right now. So, no crying, none of that.” ROWE: “How old are you this point?” ALLEN: “Eleven. He was a great dad, love of my life. I said, ‘This doesn't make any sense. I don't like this.' And everybody's answer was, ‘He's in a better place.' The pain of it never stopped. The discomfort of it. That whole process started me on asking questions. Generally, getting no answers.” Tim Allen added, "Every single thing in my life changed. I knew it the moment he was dead, and it was not for four hours that I found out. I've hated November since then.” On Thursday, September 24, he revealed that — after watching Charlie Kirk's widow, Erika Kirk, forgive her husband's killer on September 21st — he decided to do the same for the drunk driver who killed his father, reports People Magazine. Allen wrote on X, "When Erika Kirk spoke the words on the man who killed her husband [Charlie]: 'That man… that young man… I forgive him.' That moment deeply affected me. I have struggled for over 60 years to forgive the man who killed my Dad. I will say those words now as I type: 'I forgive the man who killed my father.'" Ephesians 4:32 commands, “Forgive one another, even as God, in Christ, forgave you.” Indeed, Erika Kirk said, “My husband, Charlie, he wanted to save young men, just like the one who took his life." Listen to the unforgettable moment when Erika forgave her husband's assassin at the Memorial on September 21st held at State Farm Arena in Phoenix, Arizona, just 11 days after his assassination. ERIKA KIRK: “On the cross, our Savior said, ‘Father, forgive them, for they know not what they do.' (Luke 23:34) “That man, [Tyler Robinson], I forgive him. (applause as she wept) I forgive him because it was what Christ did, and it's what Charlie would do. The answer to hate is not hate. The answer, we know from the Gospel, is love, and always love. Love for our enemies and love for those who persecute us.” Tyler Robinson, a 22-year-old man now being held at the Utah County Jail without bail, has been accused of the crime. If found guilty, the prosecutor has called for the death penalty. Close And that's The Worldview on this Monday, September 29th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.
Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
In this episode, the gang discusse Twinless, the Emmys, the Pitt, The Long Walk, 28 Years Later, The Man Who Killed Hitler And Then The Bigfoot, Alien Earth, Friendship, and Upload. This episode kicks off with just Kevin and Lauren. They discuss the new film Twinless, starring Dylan O'Brien. It's a low-budget affair that should have had a better release. Despite its less-than-stellar advertising, the film is excellent, getting great reviews on both Rotten Tomatoes and IMDB. It's a film about two men who meet in a group for those who have lost their twins, and the emotional journey they take together. It's definitely worth watching in the theater if you can find it, but otherwise catch it as soon as it streams somewhere! Andrew joins the call, and when Lauren finishes, the gang discusses the 2025 Emmys. While they generally agreed with the victors, some of the nominees were questionable. Many shows had too many nominations, whereas some more deserving had none. But overall, the Emmys got it right. The Emmy discussion leads us straight into Lauren's review of the series "The Pitt" on HBO. It's a 15-episode series about life in a Pittsburgh emergency room. It stars new Emmy winner, Noah Wiley The show is shot in an almost a 24-like method where the 15 episodes are basically in real time. This show deserved every award it won. After Lauren says goodnight, it's left up to Kevin and Andrew. Andrew had the opportunity to see "The Long Walk" in theaters this week. While Kevin hasn't seen it, he's a huge Stephen King fan, so he's been very much anticipating this review. Overall, Andrew liked the movie and recommends it, although some issues with bodily functions may have sent him a little over the edge. That being said, it's worth seeing in the theater if you have the time and the money, so go check it out. For the first time in a while, we get to a film that both guys have seen, 28 Years Later. This is an extension of 28 DaysWeeks Later and is definitely in a more run-down world than we've seen before. Past films seem to suggest that the rage virus affected the entire world, but it now seems isolated to the United Kingdom. Survivors are now in quarantine in the UK. This is the story of a both falling out with his father and coming into his own to save his mother's life. There are some great performances by Jodie Comer and Ralph Fiennes, as well as the young lead. This one is definitely worth checking out now that it's streaming on Netflix. Next up, it's just Kevin for a minute, and e talks about a film called "The Man Who Killed Hitler and Then the Bigfoot". If, by chance, you're reading this before you watch the episode, it's recommend that you take a minute and think about what you imagine this film would be. As you watch Kevin talk about it, you'll find it's absolutely nothing like anything you thought it would be. It stars Sam Elliott, and that's all we'll say here. We may not recommend going to watch this film, even though it's on Hulu, but it's interesting. If you want to see a story of a man's life journey, then go check it out. Keeping with the theme of things that probably no one will watch, Andrew watched "Friendship" this week, so it gives Kevin a chance to grill him about what he thought of the film. Generally speaking, both gentlemen agree that it's not the best film. It's neither funny nor dramatic. The argument could be made that the actors were very good, arguably too good, but overall, the film itself just is not worth watching. After a deep breath, Kevin and Andrew talk about the penultimate episode of Alien Earth, which is obviously excellent. There's a lot to unpack here because the guys haven't talked about it for a couple of weeks. Overall, the guys have loved the season so far and are really excited to see where it goes, although there's some hesitation as to whether they can end it properly, knowing that it may not even get a second season. There's a good discussion and, of course, some predictions for the finale, which may or may not have come true. So give it a listen and then go watch the season finale, which just aired. Kevin closes out the show talking about the series finale of Upload on Amazon Prime. It's a short fourth season, which amounts to a four-part series finale. Overall, it's been a lot of fun to watch. If you started watching from the beginning, you'll be satisfied with the ending. If you haven't watched, it's almost a mash-up of The Good Place and Idiocracy. You have to be in the mood for some silly humor, but it is very creative and a lot of fun, and the comedic acting is on point. So if that is your jam, go give it a watch and enjoy. As always, thank you for watching. If you haven't already, don't forget to Like & Subscribe. We love new viewers! Also, leave us comments and let us know how we are doing and what we can be doing better. Enjoy the episode and have a great week! Facebook: @apncpodcast Twitter: @APNCPodcast Instagram: AllPopNoCulture
The MacVoices Live! panel reacts to Spotify's long-promised “lossless music” option, noting it trails Apple Music and Tidal, but may be “good enough” for phone/Bluetooth listeners. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa compare discovery and playlist culture (Spotify vs Apple; shout-out to Pandora), look at app quirks and OS updates, and discuss reports of users selling Spotify's Wrapped data for AI. The discussion wraps up with Bending Spoons' plan to buy Vimeo and what its Evernote/FiLMiC history could mean for creators. Show Notes:Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Chapters: [0:02] Sponsor message; Spotify “lossless” finally arrives [0:35] How it compares to Apple Music and Tidal [3:11] “Good enough” for phone and Bluetooth listening [4:41] 2021 promises, pricing, and free-tier tweaks [5:50] Discovery and playlist culture; Pandora shout-out [8:16] Apple Music behavior: likes, skips, radio-style play [9:17] Zoom freeze and new OS updates chatter [13:17] Users selling Wrapped data for AI tools [15:03] Bending Spoons to acquire Vimeo [17:01] Track record: Evernote, FiLMiC, Meetup/others [19:27] Creator concerns: pricing, downloads, alternatives [26:02] Round-the-room outros and where to find the panel Links: Spotify Premium Users Get Lossless Streaming After Years of Delays https://www.macrumors.com/2025/09/10/spotify-premium-users-lossless-streaming/ Spotify peeved after 10,000 users sold data to build AI tools https://arstechnica.com/tech-policy/2025/09/spotify-peeved-after-10000-users-sold-data-to-build-ai-tools/ Evernote and WeTransfer owner Bending Spoons is set to buy Vimeo for $1.38 billion https://www.engadget.com/entertainment/streaming/evernote-and-wetransfer-owner-bending-spoons-is-set-to-buy-vimeo-for-138-billion-155602681.html Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
My fellow pro-growth/progress/abundance Up Wingers,Artificial intelligence may prove to be one of the most transformative technologies in history, but like any tool, its immense power for good comes with a unique array of risks, both large and small.Today on Faster, Please! — The Podcast, I chat with Miles Brundage about extracting the most out of AI's potential while mitigating harms. We discuss the evolving expectations for AI development and how to reconcile with the technology's most daunting challenges.Brundage is an AI policy researcher. He is a non-resident fellow at the Institute for Progress, and formerly held a number of senior roles at OpenAI. He is also the author of his own Substack.In This Episode* Setting expectations (1:18)* Maximizing the benefits (7:21)* Recognizing the risks (13:23)* Pacing true progress (19:04)* Considering national security (21:39)* Grounds for optimism and pessimism (27:15)Below is a lightly edited transcript of our conversation. Setting expectations (1:18)It seems to me like there are multiple vibe shifts happening at different cadences and in different directions.Pethokoukis: Earlier this year I was moderating a discussion between an economist here at AEI and a CEO of a leading AI company, and when I asked each of them how AI might impact our lives, our economists said, ‘Well, I could imagine, for instance, a doctor's productivity increasing because AI could accurately and deeply translate and transcribe an appointment with a patient in a way that's far better than what's currently available.” So that was his scenario. And then I asked the same question of the AI company CEO, who said, by contrast, “Well, I think within a decade, all human death will be optional thanks to AI-driven medical advances.” On that rather broad spectrum — more efficient doctor appointments and immortality — how do you see the potential of this technology?Brundage: It's a good question. I don't think those are necessarily mutually exclusive. I think, in general, AI can both augment productivity and substitute for human labor, and the ratio of those things is kind of hard to predict and might be very policy dependent and social-norm dependent. What I will say is that, in general, it seems to me like the pace of progress is very fast and so both augmentation and substitutions seem to be picking up steam.It's kind of interesting watching the debate between AI researchers and economists, and I have a colleague who has said that the AI researchers sometimes underestimate the practical challenges in deployment at scale. Conversely, the economists sometimes underestimate just how quickly the technology is advancing. I think there's maybe some happy middle to be found, or perhaps one of the more extreme perspectives is true. But personally, I am not an economist, I can't really speak to all of the details of substitution, and augmentation, and all the policy variables here, but what I will say is that at least the technical potential for very significant amounts of augmentation of human labor, as well as substitution for human labor, seem pretty likely on even well less than 10 years — but certainly within 10 years things will change a lot.It seems to me that the vibe has shifted a bit. When I talk to people from the Bay Area and I give them the Washington or Wall Street economist view, to them I sound unbelievably gloomy and cautious. But it seems the vibe has shifted, at least recently, to where a lot of people think that major advancements like superintelligence are further out than they previously thought — like we should be viewing AI as an important technology, but more like what we've seen before with the Internet and the PC.It's hard for me to comment. It seems to me like there are multiple vibe shifts happening at different cadences and in different directions. It seems like several years ago there was more of a consensus that what people today would call AGI was decades away or more, and it does seem like that kind of timeframe has shifted closer to the present. There there's still debate between the “next few years” crowd versus the “more like 10 years” crowd. But that is a much narrower range than we saw several years ago when there was a wider range of expert opinions. People who used to be seen as on one end of the spectrum, for example, Gary Marcus and François Chollet who were seen as kind of the skeptics of AI progress, even they now are saying, “Oh, it's like maybe 10 years or so, maybe five years for very high levels of capability.” So I think there's been some compression in that respect. That's one thing that's going on.There's also a way in which people are starting to think less abstractly and more concretely about the applications of AI and seeing it less as this kind of mysterious thing that might happen suddenly and thinking of it more as incremental, more as something that requires some work to apply in various parts of the economy that there's some friction associated with.Both of these aren't inconsistent, they're just kind of different vibe shifts that are happening. So getting back to the question of is this just a normal technology, I would say that, at the very least, it does seem faster in some respects than some other technological changes that we've seen. So I think ChatGPT's adoption going from zero to double-digit percentages of use across many professions in the US and in a matter of high number of months, low number of years, is quite stark.Would you be surprised if, five years from now, we viewed AI as something much more important than just another incremental technological advance, something far more transformative than technologies that have come before?No, I wouldn't be surprised by that at all. If I understand your question correctly, my baseline expectation is that it will be seen as one of the most important technologies ever. I'm not sure that there's a standard consensus on how to rate the internet versus electricity, et cetera, but it does seem to me like it's of the same caliber of electricity in the sense of essentially converting one kind of energy into various kinds of useful economic work. Similarly, AI is converting various types of electricity into cognitive work, and I think that's a huge deal.Maximizing the benefits (7:21)There's also a lot of value being left on the table in terms of finding new ways to exploit the upsides and accelerate particularly beneficial applications.However you want to define society or the aspect of society that you focus on — government businesses, individuals — are we collectively doing what we need to do to fully exploit the upsides of this technology over the next half-decade to decade, as well as minimizing potential downsides?I think we are not, and this is something that I sometimes find frustrating about the way that the debate plays out is that there's sometimes this zero-sum mentality of doomers versus boomers — a term that Karen Hao uses — and this idea that there's this inherent tension between mitigating the risks and maximizing the benefits, and there are some tensions, but I don't think that we are on the Pareto frontier, so to speak, of those issues.Right now, I think there's a lot of value being left on the table in terms of fairly low-cost risk mitigations. There's also a lot of value being left on the table in terms of finding new ways to exploit the upsides and accelerate particularly beneficial applications. I'll give just one example, because I write a lot about the risk, but I also am very interested in maximizing the upside. So I'll just give one example: Protecting critical infrastructure and improving the cybersecurity of various parts of critical infrastructure in the US. Hospitals, for example, get attacked with ransomware all the time, and this causes real harm to patients because machines get bricked, essentially, and they have one or two people on the IT team, and they're kind of overwhelmed by these, not even always that sophisticated, but perhaps more-sophisticated hackers. That's a huge problem. It matters for national security in addition to patients' lives, and it matters for national security in the sense that this is something that China and Russia and others could hold at risk in the context of a war. They could threaten this critical infrastructure as part of a bargaining strategy.And I don't think that there's that much interest in helping hospitals have a better automated cybersecurity engineer helper among the Big Tech companies — because there aren't that many hospital administrators. . . I'm not sure if it would meet the technical definition of market failure, but it's at least a national security failure in that it's a kind of fragmented market. There's a water plant here, a hospital administrator there.I recently put out a report with the Institute for Progress arguing that philanthropists and government could put some additional gasoline in the tank of cybersecurity by incentivizing innovation that specifically helps these under-resourced defenders more so than the usual customers of cybersecurity companies like Fortune 500 companies.I'm confident that companies and entrepreneurs will figure out how to extract value from AI and create new products and new services, barring any regulatory slowdowns. But since you mentioned low-hanging fruit, what are some examples of that?I would say that transparency is one of the areas where a lot of AI policy experts seem to be in pretty strong agreement. Obviously there is still some debate and disagreement about the details of what should be required, but just to give you some illustration, it is typical for the leading AI companies, sometimes called frontier AI companies, to put out some kind of documentation about the safety steps that they've taken. It's typical for them to say, here's our safety strategy and here's some evidence that we're following this strategy. This includes things like assessing whether their systems can be used for cyber-attacks, and assessing whether they could be used to create biological weapons, or assessing the extent to which they make up facts and make mistakes, but state them very confidently in a way that could pose risks to users of the technology.That tends to be totally voluntary, and there started to be some momentum as a result of various voluntary commitments that were made in recent years, but as the technology gets more high-stakes, and there's more cutthroat competition, and there's maybe more lawsuits where companies might be tempted to retreat a bit in terms of the information that they share, I think that things could kind of backslide, and at the very least not advance as far as I would like from the perspective of making sure that there's sharing of lessons learned from one company to another, as well as making sure that investors and users of the technology can make informed decisions about, okay, do I purchase the services of OpenAI, or Google, or Anthropic, and making these informed decisions, making informed capital investment seems to require transparency to some degree.This is something that is actively being debated in a few contexts. For example, in California there's a bill that has that and a few other things called SB-53. But in general, we're at a bit of a fork in the road in terms of both how certain regulations will be implemented such as in the EU. Is it going to become actually an adaptive, nimble approach to risk mitigation or is it going to become a compliance checklist that just kind of makes big four accounting firms richer? So there are questions then there are just “does the law pass or not?” kind of questions here.Recognizing the risks (13:23). . . I'm sure there'll be some things that we look back on and say it's not ideal, but in my opinion, it's better to do something that is as informed as we can do, because it does seem like there are these kind of market failures and incentive problems that are going to arise if we do nothing . . .In my probably overly simplistic way of looking at it, I think of two buckets and you have issues like, are these things biased? Are they giving misinformation? Are they interacting with young people in a way that's bad for their mental health? And I feel like we have a lot of rules and we have a huge legal system for liability that can probably handle those.Then, in the other bucket, are what may, for the moment, be science-fictional kinds of existential risks, whether it's machines taking over or just being able to give humans the ability to do very bad things in a way we couldn't before. Within that second bucket, I think, it sort of needs to be flexible. Right now, I'm pretty happy with voluntary standards, and market discipline, and maybe the government creating some benchmarks, but I can imagine the technology advancing to where the voluntary aspect seems less viable and there might need to be actual mandates about transparency, or testing, or red teaming, or whatever you want to call it.I think that's a reasonable distinction, in the sense that there are risks at different scales, there are some that are kind of these large-scale catastrophic risks and might have lower likelihood but higher magnitude of impact. And then there are things that are, I would say, literally happening millions of times a day like ChatGPT making up citations to articles that don't exist, or Claud saying that it fixed your code but actually it didn't fix the code and the user's too lazy to notice, and so forth.So there are these different kinds of risks. I personally don't make a super strong distinction between them in terms of different time horizons, precisely because I think things are going so quickly. I think science fiction is becoming science fact very much sooner than many people expected. But in any case, I think that similar logic around, let's make sure that there's transparency even if we don't know exactly what the right risk thresholds are, and we want to allow a fair degree of flexibility and what measures companies take.It seems good that they share what they're doing and, in my opinion, ideally go another step further and allow third parties to audit their practices and make sure that if they say, “Well, we did a rigorous test for hallucination or something like that,” that that's actually true. And so that's what I would like to see for both what you might call the mundane and the more science fiction risks. But again, I think it's kind of hard to say how things will play out, and different people have different perspectives on these things. I happen to be on the more aggressive end of the spectrumI am worried about the spread of the apocalyptic, high-risk AI narrative that we heard so much about when ChatGPT first rolled out. That seems to have quieted, but I worry about it ramping up again and stifling innovation in an attempt to reduce risk.These are very fair concerns, and I will say that there are lots of bills and laws out there that have, in fact, slowed down innovation and certain contexts. The EU, I think, has gone too far in some areas around social media platforms. I do think at least some of the state bills that have been floated would lead to a lot of red tape and burdens to small businesses. I personally think this is avoidable.There are going to be mistakes. I don't want to be misleading about how high quality policymakers' understanding of some of these issues are. There will be mistakes, even in cases where, for example, in California there was a kind of blue ribbon commission of AI experts producing a report over several months, and then that directly informing legislation, and a lot of industry back and forth and negotiation over the details. I would say that's probably the high water mark, SB-53, of fairly stakeholder/expert-informed legislation. Even there, I'm sure there'll be some things that we look back on and say it's not ideal, but in my opinion, it's better to do something that is as informed as we can do, because it does seem like there are these kind of market failures and incentive problems that are going to arise if we do nothing, such as companies retrenching and holding back information that makes it hard for the field as a whole to tackle these issues.I'll just make one more point, which is adapting to the compliance capability of different companies: How rich are they? How expensive are the models they're training, I think is a key factor in the legislation that I tend to be more sympathetic to. So just to make a contrast, there's a bill in Colorado that was kind of one size fits all, regulate all the kind of algorithms, and that, I think, is very burdensome to small businesses. I think something like SB-53 where it says, okay, if you can afford to train an AI system for a $100 million, you can probably afford to put out a dozen pages about your safety and security practices.Pacing true progress (19:04). . . some people . . . kind of wanted to say, “Well, things are slowing down.” But in my opinion, if you look at more objective measures of progress . . . there's quite rapid progress happening still.Hopefully Grok did not create this tweet of yours, but if it did, well, there we go. You won't have to answer it, but I just want to understand what you meant by it: “A lot of AI safety people really, really want to find evidence that we have a lot of time for AGI.” What does that mean?What I was trying to get at is that — and I guess this is not necessarily just AI safety people, but I sometimes kind of try to poke at people in my social network who I'm often on the same side of, but also try to be a friendly critic to, and that includes people who are working on AI safety. I think there's a common tendency to kind of grasp at what I would consider straws when reading papers and interpreting product launches in a way that kind of suggests, well, we've hit a wall, AI is slowing down, this was a flop, who cares?I'm doing my kind of maybe uncharitable psychoanalysis. What I was getting at is that I think one reason why some people might be tempted to do that is that it makes things seem easier and less scary: “Well, we don't have to worry about really powerful AI enabled cyber-attacks for another five years, or biological weapons for another two years, or whatever.” Maybe, maybe not.I think the specific example that sparked that was GPT-5 where there were a lot of people who, in my opinion, were reading the tea leaves in a particular way and missing important parts of the context. For example, at GPT-5 wasn't a much larger or more expensive-to-train model than GPT-4, which may be surprising by the name. And I think OpenAI did kind of screw up the naming and gave people the wrong impression, but from my perspective, there was nothing particularly surprising, but to some people it was kind of a flop that they kind of wanted to say, “Well, things are slowing down.” But in my opinion, if you look at more objective measures of progress like scores on math, and coding, and the reduction in the rate of hallucinations, and solving chemistry and biology problems, and designing new chips, and so forth, there's quite rapid progress happening still.Considering national security (21:39)I want to avoid a scenario like the Cuban Missile Crisis or ways in which that could have been much worse than the actual Cuban Missile Crisis happening as a result of AI and AGI.I'm not sure if you're familiar with some of the work being done by former Google CEO Eric Schmidt, who's been doing a lot of work on national security and AI, and his work, it doesn't use the word AGI, but it talks about AI certainly smart enough to be able to have certain capabilities which our national security establishment should be aware of, should be planning, and those capabilities, I think to most people, would seem sort of science fictional: being able to launch incredibly sophisticated cyber-attacks, or be able to improve itself, or be able to create some other sort of capabilities. And from that, I'm like, whether or not you think that's possible, to me, the odds of that being possible are not zero, and if they're not zero, some bit of the bandwidth of the Pentagon should be thinking about that. I mean, is that sensible?Yeah, it's totally sensible. I'm not going to argue with you there. In fact, I've done some collaboration with the Rand Corporation, which has a pretty heavy investment in what they call the geopolitics of AGI and kind of studying what are the scenarios, including AI and AGI being used to produce “wonder weapons” and super-weapons of some kind.Basically, I think this is super important and in fact, I have a paper coming out that was in collaboration with some folks there pretty soon. I won't spoil all the details, but if you search “Miles Brundage US China,” you'll see some things that I've discussed there. And basically my perspective is we need to strike a balance between competing vigorously on the commercial side with countries like China and Russia on AI — more so China, Russia is less of a threat on the commercial side, at least — and also making sure that we're fielding national security applications of AI in a responsible way, but also recognizing that there are these ways in which things could spiral out of control in a scenario with totally unbridled competition. I want to avoid a scenario like the Cuban Missile Crisis or ways in which that could have been much worse than the actual Cuban Missile Crisis happening as a result of AI and AGI.If you think that, again, the odds are not zero that a technology which is fast-evolving, that we have no previous experience with because it's fast-evolving, could create the kinds of doomsday scenarios that there's new books out about, people are talking about. And so if you think, okay, not a zero percent chance that could happen, but it is kind of a zero percent chance that we're going to stop AI, smash the GPUs, as someone who cares about policy, are you just hoping for the best, or are the kinds of things we've already talked about — transparency, testing, maybe that testing becoming mandatory at some point — is that enough?It's hard to say what's enough, and I agree that . . . I don't know if I give it zero, maybe if there's some major pandemic caused by AI and then Xi Jinping and Trump get together and say, okay, this is getting out of control, maybe things could change. But yeah, it does seem like continued investment and a large-scale deployment of AI is the most likely scenario.Generally, the way that I see this playing out is that there are kind of three pillars of a solution. There's kind of some degree of safety and security standards. Maybe we won't agree on everything, but we should at least be able to agree that you don't want to lose control of your AI system, you don't want it to get stolen, you don't want a $10 billion AI system to be stolen by a $10 million-scale hacking effort. So I think there are sensible standards you can come up with around safety and security. I think you can have evidence produced or required that companies are following these things. That includes transparency.It also includes, I would say, third-party auditing where there's kind of third parties checking the claims and making sure that these standards are being followed, and then you need some incentives to actually participate in this regime and follow it. And I think the incentives part is tricky, particularly at an international scale. What incentive does China have to play ball other than obviously they don't want to have their AI kill them or overthrow their government or whatever? So where exactly are the interests aligned or not? Is there some kind of system of export control policies or sanctions or something that would drive compliance or is there some other approach? I think that's the tricky part, but to me, those are kind of the rough outlines of a solution. Maybe that's enough, but I think right now it's not even really clear what the rough rules of the road are, who's playing by the rules, and we're relying a lot on goodwill and voluntary reporting. I think we could do better, but is that enough? That's harder to say.Grounds for optimism and pessimism (27:15). . . it seems to me like there is at least some room for learning from experience . . . So in that sense, I'm more optimistic. . . I would say, in another respect, I'm maybe more pessimistic in that I am seeing value being left on the table.Did your experience at OpenAI make you more or make you more optimistic or worried that, when we look back 10 years from now, that AI will have, overall on net, made the world a better place?I am sorry to not give you a simpler answer here, and maybe think I should sit on this one and come up with a kind of clearer, more optimistic or more pessimistic answer, but I'll give you kind of two updates in different directions, and I think they're not totally inconsistent.I would say that I have gotten more optimistic about the solvability of the problem in the following sense. I think that things were very fuzzy five, 10 years ago, and when I joined OpenAI almost seven years now ago now, there was a lot of concern that it could kind of come about suddenly — that one day you don't have AI, the next day you have AGI, and then on the third day you have artificial superintelligence and so forth.But we don't live to see the fourth day.Exactly, and so it seems more gradual to me now, and I think that is a good thing. It also means that — and this is where I differ from some of the more extreme voices in terms of shutting it all down — it seems to me like there is at least some room for learning from experience, iterating, kind of taking the lessons from GPT-5 and translating them into GPT-6, rather than it being something that we have to get 100 percent right on the first shot and there being no room for error. So in that sense, I'm more optimistic.I would say, in another respect, I'm maybe more pessimistic in that I am seeing value being left on the table. It seems to me like, as I said, we're not on the Pareto frontier. It seems like there are pretty straightforward things that could be done for a very small fraction of, say, the US federal budget, or very small fraction of billionaires' personal philanthropy or whatever. That in my opinion, would dramatically reduce the likelihood of an AI-enabled pandemic or various other issues, and would dramatically increase the benefits of AI.It's been a bit sad to continuously see those opportunities being neglected. I hope that as AI becomes more of a salient issue to more people and people start to appreciate, okay, this is a real thing, the benefits are real, the risks are real, that there will be more of a kind of efficient policy market and people take those opportunities, but right now it seems pretty inefficient to me. That's where my pessimism comes from. It's not that it's unsolvable, it's just, okay, from a political economy and kind of public-choice perspective, are the policymakers going to make the right decisions?On sale everywhere The Conservative Futurist: How To Create the Sci-Fi World We Were PromisedMicro Reads Faster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit fasterplease.substack.com/subscribe
Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
The MacVoices Live! panel reacts to Spotify's long-promised “lossless music” option, noting it trails Apple Music and Tidal, but may be “good enough” for phone/Bluetooth listeners. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa compare discovery and playlist culture (Spotify vs Apple; shout-out to Pandora), look at app quirks and OS updates, and discuss reports of users selling Spotify's Wrapped data for AI. The discussion wraps up with Bending Spoons' plan to buy Vimeo and what its Evernote/FiLMiC history could mean for creators. Show Notes: Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Chapters: [0:02] Sponsor message; Spotify “lossless” finally arrives [0:35] How it compares to Apple Music and Tidal [3:11] “Good enough” for phone and Bluetooth listening [4:41] 2021 promises, pricing, and free-tier tweaks [5:50] Discovery and playlist culture; Pandora shout-out [8:16] Apple Music behavior: likes, skips, radio-style play [9:17] Zoom freeze and new OS updates chatter [13:17] Users selling Wrapped data for AI tools [15:03] Bending Spoons to acquire Vimeo [17:01] Track record: Evernote, FiLMiC, Meetup/others [19:27] Creator concerns: pricing, downloads, alternatives [26:02] Round-the-room outros and where to find the panel Links: Spotify Premium Users Get Lossless Streaming After Years of Delays https://www.macrumors.com/2025/09/10/spotify-premium-users-lossless-streaming/ Spotify peeved after 10,000 users sold data to build AI tools https://arstechnica.com/tech-policy/2025/09/spotify-peeved-after-10000-users-sold-data-to-build-ai-tools/ Evernote and WeTransfer owner Bending Spoons is set to buy Vimeo for $1.38 billion https://www.engadget.com/entertainment/streaming/evernote-and-wetransfer-owner-bending-spoons-is-set-to-buy-vimeo-for-138-billion-155602681.html Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
In this episode of The MHP Broker's Tips and Tricks podcast Closing Cocktail, Maxwell Baker, president of The Mobile Home Park Broker, chatted with broker Jeff Dodge about his recent close on Crawford County Estates, near Macon, GA. As with every Tips and Tricks podcast episode, this one is brought to you by The MHP Broker's proprietary Community Price Maximizer. Use this four-step system to get the highest price possible for your mobile home park or RV community when you sell it through The MHP Broker. Guaranteed. Call Max for details. Here Are the Show Highlights: Jeff successfully closed on a deal in Georgia that had a bit of drama toward the end. (Max, 1:09) This was a sprawling 52 acre parcel with 52 lots in Lizella, GA., just 10 miles from Macon. It included 36 park-owned homes and 13 vacant lots. Crawford County Estates offered a great opportunity for the right investor to infill, add tenants, and increase rents to local market values. Jeff received multiple offers, and they went with an experienced mobile home park buyer. Both parties were happy with the results. (Jeff, 1:27) They did some creative financing to close the deal, and got close to the list price. It wasn't without drama, however. The buyer's issues with his 1031 tax deferral on another sale slowed the deal down toward the end. The buyer was only able to close on the other deal the morning of the day that they had to close on the park. There was a flurry of phone calls, most of them handled by Jeff, but they were able toseal the deal just before the clock ran out. (Max, 2:17) Jeff had to deal directly with the lender toward the end to keep the sale alive, but the potential crisis was averted*. (Jeff, 3:07) Generally, summers are dead for mobile home park sales, and the business picks up in the fall. But this year, sales activity has been very heavy since early August, so it's a better year than most. (Jeff, 4:31) Regardless of the season, you need to reach out to Jeff, Max, or the rest of the team at The MHP Broker if you want to sell your park or get a good idea of its value. Call us at (678) 932-0200. Or drop us a line at info@themhpbroker.com. Power Quotes in This Episode: “...must have gotten 30 calls trying to make sure things were being done. I know Jeff was taking the blunt of all of that. So Jeff, thank you for dealing with all of that, but you did a great job.” (Max, 2:17) “...this is the first time we really had to jump in and really work directly with the lender.*” (Jeff, 3:07) “...we can get it done regardless of the issue. Just give us the opportunity to work with you and I guarantee we'll find the right buyer for your property. Yeah, we are good at finding all of the drama on your deal upfront.” (Max, 3:47)
//The Wire//2300Z September 25, 2025////ROUTINE////BLUF: UK ANNOUNCES NATIONAL MANDATORY DIGITAL ID. RUSSIAN AIRCRAFT INTERCEPTED OFF ALASKAN COAST. CHICAGO POLICE OFFICER INDICTED FOR SMUGGLING GUNS TO CARTEL.// -----BEGIN TEARLINE------International Events-United Kingdom: Scandal has erupted following the announcement of a national identification paper scheme. The British government is set to implement a mandatory digital ID system that will be required for all British citizens to be allowed to function in society.Europe: Drone incursions have continued over the past few days, with limited reports of drone incursions popping up in Norway and Denmark. Overnight, more drones were spotted over the port city of Korsor, along with a handful of airports scattered around the country.Analyst Comment: Right now it's hard to tell if these drone reports are any different than the standard incursions that have become common in civilian aviation over the past few years. When an airport sends out a hazard report to pilots, a description of "UAS activity" doesn't really indicate much. What is quite clear is that the initial drone reports in Denmark were vastly different than most of the typical quadcopter reports that are more common. However, now that media attention is on the skies once again, it's possible that more drone sightings will be reported. It's also very likely that, now that people are paying attention, more people will confuse legitimate drone threats with commercial aircraft, as has been a trend lately.-HomeFront-Mississippi: This morning 911 call center services went offline for the entire state, which local authorities state were caused by a "series of fiber optic cuts".Analyst Comment: Right now it's not clear as to if this was the result of malign action, or by accident. Generally speaking it would be a bad idea for an entire state's critical infrastructure to be vulnerable to one swipe of a backhoe, but it's certainly possible.Illinois: A Chicago police officer has been indicted for smuggling weapons for cartels in Mexico. The indictment states that Officer Kevin Rodriguez used his law enforcement credentials to purchase firearms that were illegal for normal citizens to buy in the states of Illinois and Indiana. He was then paid by a cartel member by the name of Diego Valdez, who took possession of the firearms and smuggled them into Mexico. Analyst Comment: This scheme allegedly ran from September to December of 2024, and so far all of the court documents indicate that only two rifles were smuggled into Mexico. However, this may be a larger network, as these types of arrangements usually go on for some time before they are detected.Alaska: This morning US Air Force aircraft were scrambled to intercept Russian bombers off the west coast. A flight of Russian Tu-95 BEAR H aircraft were observed approaching the Alaskan Air Defense Identification Zone (ADIZ), which prompted American aircraft to intercept them and escort them during their flight near American airspace.Analyst Comment: This is a fairly standard event that usually goes unnoticed most of the time. However, this case is probably related to President Trump's recent comments on Russia's incursions in Europe, namely stating that European powers should shoot down Russian aircraft that violate their airspace.New York: As the UN General Assembly continues, President Trump met with the new leader of Syria, Ahmed Al-Sharq, where he is expected to be a focal point of this year's summit.-----END TEARLINE-----Analyst Comments: As a reminder, Ahmed Al-Sharq changed his name upon seizing power a few months ago. His previous name was Abu Mohammad al-Jolani, a high-ranking al-Qaeda commander from the Global War on Terror. Upon his AQ-linked militia group seizing power during the fall of the Assad regime, he changed
The panel debates Xiaomi's iPhone-inspired 17 Pro design featuring a rear display, questioning its practicality compared to foldables and Apple's existing solutions like the Apple Watch and Dynamic Island. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa examine the new iPhone Air, discussing preorders, in-store impact, battery trade-offs, and its potential similarity to the MacBook Air's evolution. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:16] Introduction[0:34] Xiaomi 17 Pro design and rear display[2:06] Foldable phones vs. dual displays[4:52] Historical speculation on Apple's dual screen ideas[6:33] Always-on displays and Apple Watch comparisons[8:48] Wearables replacing rear displays[11:51] Smartphone gimmicks and design plateaus[14:37] iPhone Air introduction and reactions[15:47] Market appeal and in-store impressions[17:19] iPhone Air as a first-generation product[18:48] Speculation: Air as a step toward foldables[19:26] Using the Air for reading and daily use[20:31] Future of the iPhone Air and closing thoughts Links: Xiaomi 17 Pro has an iPhone-like design, but with a second display on the backhttps://9to5google.com/2025/09/16/xiaomi-17-pro-rear-display-video-teaser/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
The panel debates Xiaomi's iPhone-inspired 17 Pro design featuring a rear display, questioning its practicality compared to foldables and Apple's existing solutions like the Apple Watch and Dynamic Island. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa examine the new iPhone Air, discussing preorders, in-store impact, battery trade-offs, and its potential similarity to the MacBook Air's evolution. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:16] Introduction [0:34] Xiaomi 17 Pro design and rear display [2:06] Foldable phones vs. dual displays [4:52] Historical speculation on Apple's dual screen ideas [6:33] Always-on displays and Apple Watch comparisons [8:48] Wearables replacing rear displays [11:51] Smartphone gimmicks and design plateaus [14:37] iPhone Air introduction and reactions [15:47] Market appeal and in-store impressions [17:19] iPhone Air as a first-generation product [18:48] Speculation: Air as a step toward foldables [19:26] Using the Air for reading and daily use [20:31] Future of the iPhone Air and closing thoughts Links: Xiaomi 17 Pro has an iPhone-like design, but with a second display on the back https://9to5google.com/2025/09/16/xiaomi-17-pro-rear-display-video-teaser/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Is that penicillin or amoxicillin allergy real? Probably not. In this episode, we explore how to assess risk, talk to parents, and refer for delabeling. You'll also learn what happens in the allergy clinic, why the label matters, and how to be a better antimicrobial steward. Learning Objectives Describe the mechanisms and clinical manifestations of immediate and delayed hypersensitivity reactions to penicillin, including diagnostic criteria and risk stratification tools such as the PEN-FAST score. Differentiate between low-, moderate-, and high-risk penicillin allergy histories in pediatric patients and identify appropriate candidates for direct oral challenge or allergy referral based on current evidence and guidelines. Formulate an evidence-based approach for evaluating and counseling families in the Emergency Department about reported penicillin allergies, including when to recommend outpatient referral for formal delabeling. Connect with Brad Sobolewski PEMBlog: PEMBlog.com Blue Sky: @bradsobo X (Twitter): @PEMTweets Instagram: Brad Sobolewski References Khan DA, Banerji A, Blumenthal KG, et al. Drug Allergy: A 2022 Practice Parameter Update. J Allergy Clin Immunol. 2022;150(6):1333-1393. doi:10.1016/j.jaci.2022.08.028 Moral L, Toral T, Muñoz C, et al. Direct Oral Challenge for Immediate and Non-Immediate Beta-Lactam Allergy in Children. Pediatr Allergy Immunol. 2024;35(3):e14096. doi:10.1111/pai.14096 Castells M, Khan DA, Phillips EJ. Penicillin Allergy. N Engl J Med. 2019;381(24):2338-2351. doi:10.1056/NEJMra1807761 Shenoy ES, Macy E, Rowe T, Blumenthal KG. Evaluation and Management of Penicillin Allergy: A Review.JAMA. 2019;321(2):188–199. doi:10.1001/jama.2018.19283 Transcript Note: This transcript was partially completed with the use of the Descript AI and the Chat GPT 5 AI Welcome to PEM Currents, the Pediatric Emergency Medicine podcast. As always, I'm your host, Brad Sobolewski, and today we are taking on a label that's misleading, persistent. Far too common penicillin allergy, it's often based on incomplete or inaccurate information, and it may end up limiting safe and effective treatment, especially for the kids that we see in the emergency department. I think you've all seen a patient where you're like. I don't think this kid's really allergic to amoxicillin, but what do you do about it? In this episode, we're gonna break down the evidence, walk through what actually happens during de labeling and dedicated allergy clinics. Highlight some validated tools like the pen FAST score, which I'd never heard of before. Preparing for this episode and discuss the current and future role of ED based penicillin allergy testing. Okay, so about 10% of patients carry a penicillin allergy label, but more than 90% are not truly allergic. And this label can be really problematic in kids. It limits first line treatment choices like amoxicillin, otitis media, or penicillin for strep throat, and instead. Kids get prescribed second line agents that are less effective, broader spectrum, maybe more toxic or poorly tolerated and associated with a higher risk of antimicrobial resistance. So it's not just an EMR checkbox, it's a label with some real clinical consequences. And it's one, we have a role in removing. And so let's understand what allergy really means. And most patients with a reported penicillin allergy, especially kids, aren't true allergies in the immunologic sense. Common misinterpretations include a delayed rash, a maculopapular, or viral exum, or benign, delayed hypersensitivity, side effects, nausea, vomiting, and diarrhea. And unverified childhood reactions that are undocumented and nonspecific. Most of these are not true allergies. Only a very small subset of patients actually have IgE mediated hypersensitivity, such as urticaria, angioedema, wheezing, and anaphylaxis. These are super rare, and even then they may resolve over time without treatment. If a parent or sibling has a history of a penicillin allergy, remember that patient might actually not be allergic, and that is certainly not a reason to label a child as allergic just because one of their first degree relatives has an allergy. So right now, in 2025, as I'm recording this episode, there are clinics like the Pats Clinic or the Penicillin Allergy Testing Services at Cincinnati Children's and in a lot of our peer institutions that are at the forefront of modern de labeling. Their approach reflects the standard of care as outlined by the. Quad ai or the American Academy of Allergy, asthma and Immunology and supported by large trials like Palace. And you know, you have a great trial if you have a great acronym. So here's what happens step by step. So first you stratify the risk. How likely is this to be a true allergy? And that's where a tool like the pen fast comes. And so pen fast scores, a decision rule developed to help assess the likelihood of a true penicillin allergy based on the patient's history. The pen in pen fast is whether or not the patient has a self-reported history of penicillin allergy. They get two points if the reaction occurred in the past five years. Two points if the reaction is anaphylaxis or angioedema. One point if the reaction required treatment, and one point if the reaction was not due to testing. And so you can get a total score of. Up to six points. If you have a score of less than three. This is a low risk patient and they can be eligible for direct oral challenge. A score greater than three means they're higher risk and they may require skin testing. First validation studies show that the PEN FFA score of less than three had a negative predictive value of 96.3%. Meaning a very, very low chance of a true allergy. And this tool has been studied more extensively in adults, but pediatric specific adaptations are emerging, and they do inform current allergy clinic protocols. But I would not use this score in the emergency department just to give a kid a dose of amoxicillin. So. For low risk patients, a pen fast score of less than three or equivalent clinical judgment clinics proceed with direct oral challenge with no skin testing required. The protocol is they administer one dose of oral amoxicillin and they observe for 62 120 minutes monitoring for signs of reaction Urticaria. Respiratory symptoms or GI upset. This approach is safe and effective. There was a trial called Palace back in 2022, which validated this in over 300 children. In adolescents. There were no serious events that occurred. De labeling was successful in greater than 95% of patients. And skin tested added no benefit in low risk patients. So if the child tolerates this dose, then you can remove that allergy immediately from the chart. Parents and primary care doctors will receive a summary letter noting that the challenge was successful and that there's new guidance. Children and families are told they can safely receive all penicillins going forward. And providers are encouraged to document this clearly in the allergy section of the EMR. So you're wondering, can we actually do this in the emergency department? Technically, yes, you can do what you want, but practically we're not quite there yet. So we'd need clearer risk stratification tools like the Pen fast, a safe place for monitoring, post challenge, clinical pathways and documentation support. You know, a clear way to update EMR allergy labels across the board and involvement or allergy or infectious disease oversight. But it's pretty enticing, right? See a kid you diagnose otitis media. You think that their penicillin allergy is wrong, you just give 'em a dose of amox and watch 'em for an hour. That seems like a pretty cool thing that we might be able to do. So some centers, especially in Canada and Australia, do have some protocols for ED or inpatient based de labeling, but they rely on that structured implementation. So until then, our role in the pediatric emergency department is to identify low risk patients, avoid over document. Unconfirmed reactions and refer to allergy ideally to a clinic like the pets. So who should be referred and good candidates Include a child with a rash only, especially one that's remote over a year ago. Isolated GI symptoms. Parents unsure of the details at all. No history of anaphylaxis wheezing her hives, and no recent serious cutaneous reactions. I would avoid referring and presume that this allergy is true. If they've had recent anaphylaxis, they've had something like Stevens Johnson syndrome dress, or toxic epidermolysis necrosis. Fortunately, those are very, very rare with penicillins and there's a need for penicillin during the ED visit without allergy backup. So even though we don't have an ED based protocol yet. De labeling amoxicillin or penicillin allergy can start with good questions in the emergency department. So here's one way to talk to patients and families. You can say, thanks for letting me know about the amoxicillin allergy. Can I ask you a few questions to better understand what happened? This is gonna help us decide the safest and most effective treatment for your child today, and then possibly go through a process to remove a label for this allergy that might not be accurate. You wanna ask good, open-ended questions. What exactly happened when your child took penicillin or amoxicillin? You know, look for rash, hives, swelling, trouble breathing, or anaphylaxis. Many families just say, allergic, when the reaction was just GI upset, diarrhea or vomiting, which is not an allergy. How old was your child when this happened? Reactions that occurred before age of three are more likely to be falsely attributed. How soon after taking the medicine did the reaction start? Less than one hour is an immediate reaction, but one hour to days later is delayed. Usually mild and probably not a true allergy. Did they have a fever, cold or virus at that time? Viral rashes are often misattributed to antibiotics, and we shouldn't be treating viruses with antibiotics anyway, so get good at looking at ears and know what you're seeing. And have they taken similar antibiotics since then? Like. Different penicillins, Augmentin, or cephalexin. So if they said that they were allergic to amoxicillin, but then somehow tolerated Augmentin. They're not allergic. If a patient had rash only, but no hive swelling or difficulty breathing, no reaction within the first hour. It occurred more than five years ago or before the kid was three. And especially if they tolerated beta-lactam antibiotics. Since then, they're a great candidate for de labeling and I would refer that kid to the allergy clinic. Generally, they can get them in pretty darn quick. Alright, we're gonna wrap up this episode. Most kids labeled penicillin allergic or amoxicillin allergic, or not actually allergic to the medication. There are some scores like pen fasts that are validated tools to assess risk and support de labeling. Direct oral challenge for most patients is safe, efficient, and increasingly the standard of care. There are allergy clinics like the Pats at Cincinnati Children's that can dela children in a single visit with oral challenges alone, needing no skin testing, and emergency departments can play a key role in identifying and referring these patients and possibly de labeling ourselves in the future. Well, that's all for this episode on Penicillin Allergy. I hope you learn something new, especially how to assess whether an allergy label is real, how to ask the right questions and when to refer to an allergy testing clinic. If you have feedback, send it my way. Email, comment on the blog, a message on social media. I always appreciate hearing from you all, and if you like this episode, please leave a review on your favorite podcast app. Really helps more people find the show and that's great 'cause I like to teach people stuff. Thanks for listening for PEM Currents, the Pediatric Emergency Medicine podcast. This has been Brad Sobolewski. See you next time.
The panel covers multiple tech updates, starting with another Plex data breach and the importance of password hygiene, passkeys, and MFA. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa discuss FDA clearance for Apple Watch hypertension detection and its impact on health monitoring. The group reviews the latest Apple Sports app improvements, including CarPlay integration and live updates. The show wraps with analysis of TikTok's uncertain U.S. future and broader concerns over social media algorithms. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:00] Intro and sponsor mention[0:40] Another Plex data breach and password advice[2:38] Passkeys, MFA, and password hygiene humor[3:47] FDA clears Apple Watch hypertension detection[4:49] Health monitoring stories and awareness[6:08] Plex security reminders and MFA[6:33] Apple Sports app update and widgets[8:06] CarPlay integration and live activities[8:54] Score updates, delays, and fan frustrations[11:29] TikTok's uncertain U.S. future[15:30] Algorithm control and political concerns[17:12] Broader social media manipulation discussion[19:57] Privacy, platforms, and user data debates[21:35] Social platforms, cookies, and tracking anecdotes[22:55] Closing notes and support links Links: Another Plex data breach sees company urge users to change their passwordhttps://9to5mac.com/2025/09/09/another-plex-data-breach-sees-company-urge-users-to-change-their-password/ Apple Watch hypertension alerts feature receives FDA clearancehttps://9to5mac.com/2025/09/11/apple-watch-hypertension-alerts-feature-receives-fda-clearance/ Apple Sports app gets widgets for live scores and schedules on your home screenhttps://9to5mac.com/2025/09/16/apple-sports-app-gets-widgets-for-live-scores-and-schedules-on-your-home-screen/ TikTok's U.S. future rests on Trump–Xi meeting this weekhttps://searchengineland.com/tiktok-us-future-trump-xi-462002 Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Dive into the epic world of Marvel's The Fantastic Four: First Steps! Join us as we explore the origins of Reed Richards, Sue Storm, Johnny Storm, and Ben Grimm in this thrilling MCU reboot. From cast reveals to plot predictions and comic book connections, this video breaks down everything you need to know about the Fantastic Four's big-screen return.Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
The panel covers multiple tech updates, starting with another Plex data breach and the importance of password hygiene, passkeys, and MFA. Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa discuss FDA clearance for Apple Watch hypertension detection and its impact on health monitoring. The group reviews the latest Apple Sports app improvements, including CarPlay integration and live updates. The show wraps with analysis of TikTok's uncertain U.S. future and broader concerns over social media algorithms. http://traffic.libsyn.com/maclevelten/MV25244.mp3 Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:00] Intro and sponsor mention [0:40] Another Plex data breach and password advice [2:38] Passkeys, MFA, and password hygiene humor [3:47] FDA clears Apple Watch hypertension detection [4:49] Health monitoring stories and awareness [6:08] Plex security reminders and MFA [6:33] Apple Sports app update and widgets [8:06] CarPlay integration and live activities [8:54] Score updates, delays, and fan frustrations [11:29] TikTok's uncertain U.S. future [15:30] Algorithm control and political concerns [17:12] Broader social media manipulation discussion [19:57] Privacy, platforms, and user data debates [21:35] Social platforms, cookies, and tracking anecdotes [22:55] Closing notes and support links Links: Another Plex data breach sees company urge users to change their password https://9to5mac.com/2025/09/09/another-plex-data-breach-sees-company-urge-users-to-change-their-password/ Apple Watch hypertension alerts feature receives FDA clearance https://9to5mac.com/2025/09/11/apple-watch-hypertension-alerts-feature-receives-fda-clearance/ Apple Sports app gets widgets for live scores and schedules on your home screen https://9to5mac.com/2025/09/16/apple-sports-app-gets-widgets-for-live-scores-and-schedules-on-your-home-screen/ TikTok's U.S. future rests on Trump–Xi meeting this week https://searchengineland.com/tiktok-us-future-trump-xi-462002 Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The MacVoices Live! panel of Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa compares hardware picks and preorder adventures after Apple's event. Hosts share iPhone 17 choices, Apple Watch and AirPods buys, cases and colors, and delivery vs. in-store pickup. A sponsor spot highlights Insta360 Go Ultra. One panel member recounts a financing snarl with Citizens and shifting to Apple Card, sparking a broader chat on carriers, trade-ins, and payment options. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:09] Opening and travel setup[0:33] Testing the DJI Mic 2 on the road[1:27] Event follow-up and panel roll call[5:43] Who ordered what: phones, watches, AirPods[6:55] Early deliveries and pickup timing[7:51] Cases, chargers, and accessory frenzy[11:16] Sponsor: Insta360 Go Ultra ad read[12:49] Financing saga with Citizens; switching strategy[17:11] In-store pickup vs. shipping experiences[18:28] Apple Card financing and carrier limitations[22:03] More order stories and trade-in tactics[25:13] Color choices and expectations[26:34] Closing notes and community shout-outs Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The MacVoices Live! panel of Chuck Joiner, David Ginsburg, Marty Jencuis, Web Bixby, Jim Rea, Eric Bolden, Jeff Gamet, Brian Flanigan-Arthurs, and Norbert Frassa compares hardware picks and preorder adventures after Apple's event. Hosts share iPhone 17 choices, Apple Watch and AirPods buys, cases and colors, and delivery vs. in-store pickup. A sponsor spot highlights Insta360 Go Ultra. One panel member recounts a financing snarl with Citizens and shifting to Apple Card, sparking a broader chat on carriers, trade-ins, and payment options. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the code “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:09] Opening and travel setup [0:33] Testing the DJI Mic 2 on the road [1:27] Event follow-up and panel roll call [5:43] Who ordered what: phones, watches, AirPods [6:55] Early deliveries and pickup timing [7:51] Cases, chargers, and accessory frenzy [11:16] Sponsor: Insta360 Go Ultra ad read [12:49] Financing saga with Citizens; switching strategy [17:11] In-store pickup vs. shipping experiences [18:28] Apple Card financing and carrier limitations [22:03] More order stories and trade-in tactics [25:13] Color choices and expectations [26:34] Closing notes and community shout-outs Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Norbert Frassa is a technology “man about town”. Follow him on Twitter and see what he's up to. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
PREVIEW: GUEST: Bruce Bechtol SUMMARY: Bruce Bechtol discusses the North Korean Navy, which is generally weak but excels at asymmetric warfare, such as using stealth boats and submarines to sneak in troops or sinking the Cheonan in 2010. While Russia is reportedly helping build their nuclear submarine fleet, they face real challenges in conventional, head-to-head naval combat. 1945 SEOUL
Donate Here - https://www.paypal.com/donate?hosted_button_id=Y6TSU94STL9PUAll our Links - https://direct.me/theundergroundWhat is our Value for Value System?Value for Value is a listener based business model where you determine the value our content is worth. If you feel you are getting value from our content, please consider becoming a supporter by donating your time, talent, & treasure. Time: meaning any effort you put in to improving or developing our content or sharing it.Talent: meaning any skills you possess that you want to contribute to help us develop our platform (ie., artwork for podcast episodes, branding design, editing, etc). Treasure: pay a one-off amount or a recurring contribution for the value you think our service is worth. Please be sure with any payment you send via PayPal to include a note, so that we can read it on the livestream, if you'd like. Your donations keep our content advertisement free. Thank you.Where do you support us? Click the direct.me link to find our PayPal link for contributions as well as our YouTube, Odysee, TikTok, Instagram, and Twitter links! We appreciate the engagement from all of you! Contribution Amounts:Donors of less than $100 will automatically become Producers of the corresponding episode!Donors of $100 and above will automatically become Associate Executive Producers of the corresponding episode!Donors of $200 and above will receive the Executive Producer credit for that episode!We will list the credits in our show notes as Executive Producer, Associate Executive Producer, & Producer and is a genuine credit we will vouch for. Generally, executive producers are primarily responsible for financing the project. Therefore, this is a legitimate credit for your resume. Please note any amount will remain anonymous upon request.All donors will receive a special mention on the show unless otherwise noted!Special Note: The Value for Value business model originated with Adam Curry & John C. Dvorak of the No Agenda Podcast.https://www.youtube.com/watch?v=PgihPtnBSek
As we head into fall, we take the opportunity to run a financial "fire drill"—not because we expect a crisis, but because we know volatility is inevitable. This episode is all about preparation: emotionally and strategically. Ed Lambert, Alex Cabot, and Jag kick things off with some seasonal banter, but quickly dive into why fall is a natural time to reassess our portfolios and our mindset around investing.Ed begins by reminding us that even in strong years, the market doesn't move in a straight line. The S&P 500 typically sees multiple 5% dips annually and about a 10% correction every year or two. But those drops aren't signs of failure—they're part of the process. He walks us through some of the scariest moments of the last 15 years—like the 2011 debt ceiling crisis, the COVID crash of 2020, and the recent sharp drop in April 2025—highlighting how each time, the market rebounded. The key, he says, is staying the course and not reacting emotionally. Emotional decisions—especially ones made in fear—almost always lead to poor outcomes.We focus heavily on the idea that emotional preparation is just as important as strategic allocation. Ed makes the point that volatility is the price of admission for long-term growth. He urges listeners to “zoom out” and look at the long-term trajectory of the market, where short-term declines barely register. Since 1980, despite multiple downturns, the market has averaged nearly 10% returns annually.Alex then picks up the second half of the fire drill analogy—portfolio preparation. He compares asset allocation to a smoke detector: you want it functioning before there's smoke. He explains that the right asset mix comes from evaluating three factors—your goals, your timeframe, and your risk tolerance. Importantly, risk tolerance has both a financial and emotional component, and the two don't always align. He gives practical examples for how these factors influence portfolio design—contrasting a 25-year-old saving for retirement with someone needing cash in six months for a car purchase.He also stresses the need to regularly rebalance portfolios. Just like a smoke detector can get out of sync, so can an asset allocation if left unattended. Ignoring this can lead to a portfolio that doesn't reflect your needs or goals. Whether it's a 5% dip or a 25% drawdown, a well-built and actively managed allocation keeps investors steady. Alex closes with an important reminder: every downturn in history has ended in recovery. The question isn't if volatility will come, but when—and how prepared we'll be.Have you ever had a smoke detector battery die in the middle of the night? We swap stories about that to cement our analogy. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Ballot measures give voters a chance to participate in direct democracy while providing nonprofit organizations with a powerful platform to educate the public about issues they champion. In this episode, we discuss California's pending redistricting ballot measure and other developments in direct democracy with returning guest Emma Olson Sharkey. Attorneys for this Episode • Tim Mooney • Susan Finkel Sourlis • Emma Olson Sharkey, Elias Law Group The Importance of Ballot Measures · Ballot measures give voters direct power to shape laws and policies, bypassing legislatures. · For nonprofits, they're a powerful platform to educate the public and advance mission-driven issues. · Emma Olson Sharkey—partner at Elias Law Group and one of the nation's leading ballot measure experts—returns to share insights (last heard in ROTG 96). California's Prop 50: Mid-Cycle Redistricting · Background: California has an independent redistricting commission that drew maps in 2021 for the 2022 elections. · New twist: In response to Texas' recent partisan maps, Governor Newsom and allies pushed for mid-decade redistricting. · The ballot measure: Prop 50, passed by the legislature and signed by the Governor, will go to voters in a special election on November 4, 2025. Redistricting Through Ballot Measures · Ballot measures have long been used to reform redistricting across the U.S. · Examples: - Successful: Colorado (2018), Michigan (2018), Missouri (2020), Ohio (2018). - Unsuccessful: Ohio's most recent attempt. · Mid-cycle redistricting isn't new: Texas pioneered it in 2003 under Tom DeLay, and the playbook has returned in 2025. What Nonprofits Need to Know · 501(c)(3) Public Charities: May engage in ballot measure advocacy—it counts as lobbying. Key distinction: 'Vote yes/no on Prop X' = permissible lobbying; 'Vote for Candidate Y' = prohibited partisan activity. · Because Prop 50 is rooted in partisan battles, public charities must tread carefully and seek legal advice before weighing in. · Generally safe activity: nonpartisan voter engagement (e.g., get-out-the-vote drives, voter registration), but seek counsel especially around Prop 50. · 501(c)(4)s and Labor Organizations: Have far greater leeway—no cap on lobbying. But California's strict regulatory environment requires attention to registration and reporting obligations. Restricting Access to Ballot Initiatives · Since 2016, conservative legislatures have increasingly tried to restrict citizen-led ballot measures. · States in the spotlight: North Dakota, South Dakota, Wyoming, Missouri, Florida, Oklahoma, Arkansas. · Many proposals fail, but recent years have seen more succeed, especially in Florida and Arkansas. · Missouri is considering both mid-cycle redistricting and ballot measure restrictions in the same session. A Bit of Good News · South Dakota victory: A federal court struck down H.B. 1184's nine-month filing deadline for ballot measures as unconstitutional, reaffirming citizens' First Amendment rights. · Practical impact: Keeps the window open for grassroots groups to gather signatures and qualify measures. Resources Seize the Initiative: A Legal Guide on Ballot Measures for Nonprofits and Foundations — https://afj.org/wp-content/uploads/2020/04/Seize-the-Initiative-2020-2.pdf Being a Player: A Guide to the IRS Lobbying Regulations for Advocacy Charities — https://afj.org/resource/being-a-player-a-guide-to-the-irs-lobbying-regulations-for-advocacy-charities/ The Rules of the Game: A Guide to Election-Related Activities for Nonprofit Organizations — https://afj.org/resource/the-rules-of-the-game-a-guide-to-election-related-activities-for-nonprofit-organizations/
A major antitrust ruling leaves Google with Chrome intact but requires limited data sharing with competitors, while Apple continues to benefit from billions in Google search placement payments. The panel of Chuck Joiner, David Ginsburg, Eric Bolden, Jim Rea, Jeff Gamet, Marty Jencius, and Mark Fuccio debates whether remedies punish innovation, investor reactions to the news, and privacy issues around smart TVs with AI assistants. They close with lighter takes on Clippy's unlikely return as a protest symbol. This MacVoices is supported by OpenCase. MagSafe Perfected. Use the code “macvoices” to save 10% at TheOpenCase.com Show Notes: Chapters: [0:00] Google avoids breakup in antitrust ruling[1:30] Chrome stays, concessions required[2:30] Apple keeps billions from Google search deal[3:50] Investor reaction and stock impact[5:10] Broader antitrust implications[7:40] DOJ and Google appeals expected[10:00] Data sharing debate: free vs. fee[14:15] DOJ concerns over GenAI and search[15:40] Copilot AI blob arrives on Samsung TVs[17:25] Comparing AI assistants on Apple TV vs smart TVs[19:15] Privacy risks of AI-driven TVs[23:05] Second screen vs locked-in TV use[26:00] Clippy's return as protest icon[30:20] Panel sign-offs and closing Links: Microsoft Copilot is now a talking blob on Samsung TVshttps://www.engadget.com/ai/microsoft-copilot-is-now-a-talking-blob-on-samsung-tvs-204115199.html Clippy Is Back As A Mascot For Big Tech Protestshttps://www.fastcompany.com/91387927/clippy-is-back-as-a-mascot-for-big-tech-protests Guests: Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Often times we to come to places in life where some major change takes place. Generally we can see the cause and effect of those life changes. Some changes are for the bad and others are for something very good, even though we might not immediately see it. This is the case of our guest today. Living through a near death experience that left him with very limited use of some parts of his body and forcing him to have to retire from a job that he loved, the tragedy did turn into something much better. God will often change our direction to bring others to Him, for His glory. We can't fight it, just trust Him and grow through it.
A major antitrust ruling leaves Google with Chrome intact but requires limited data sharing with competitors, while Apple continues to benefit from billions in Google search placement payments. The panel of Chuck Joiner, David Ginsburg, Eric Bolden, Jim Rea, Jeff Gamet, Marty Jencius, and Mark Fuccio debates whether remedies punish innovation, investor reactions to the news, and privacy issues around smart TVs with AI assistants. They close with lighter takes on Clippy's unlikely return as a protest symbol. This MacVoices is supported by OpenCase. MagSafe Perfected. Use the code “macvoices” to save 10% at TheOpenCase.com Show Notes: Chapters: [0:00] Google avoids breakup in antitrust ruling [1:30] Chrome stays, concessions required [2:30] Apple keeps billions from Google search deal [3:50] Investor reaction and stock impact [5:10] Broader antitrust implications [7:40] DOJ and Google appeals expected [10:00] Data sharing debate: free vs. fee [14:15] DOJ concerns over GenAI and search [15:40] Copilot AI blob arrives on Samsung TVs [17:25] Comparing AI assistants on Apple TV vs smart TVs [19:15] Privacy risks of AI-driven TVs [23:05] Second screen vs locked-in TV use [26:00] Clippy's return as protest icon [30:20] Panel sign-offs and closing Links: Microsoft Copilot is now a talking blob on Samsung TVshttps://www.engadget.com/ai/microsoft-copilot-is-now-a-talking-blob-on-samsung-tvs-204115199.html Clippy Is Back As A Mascot For Big Tech Protestshttps://www.fastcompany.com/91387927/clippy-is-back-as-a-mascot-for-big-tech-protests Guests: Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
What are the warning signs of a toxic friendship? Today is World Friendship Day, a chance to reflect on how important friends are in our lives. Generally speaking, having friends is a positive thing which brings us moments of fun and joy. But toxic friendships can exist too and in such cases, the relationship can be more of a burden than anything else, for one of the people involved at least! Let's talk about some of the red flags that can help you identify them. First things first, why is it called a toxic friendship? What are the most common toxic friend behaviours? In under 3 minutes, we answer your questions ! To listen to the last episodes, you can click here : Do I have generalised anxiety disorder? Why do friend breakups hurt so much? Who are the RMT, the organisation creating massive travel disruption across the UK? A podcast written and realised by Joseph Chance. First Broadcast: 30/7/2022 Learn more about your ad choices. Visit megaphone.fm/adchoices
Generally the audio version of Charlottesville Community Engagement comes out on a Friday or a Saturday, but due to a series of factors, this time around non-radio listeners can hear it on a Monday. We're in a time when so much is happening all at once, but this particular week there needed to be a break, an eddy in the space-time continuum. I'm Sean Tubbs, and here are the items you're going to hear today:In this edition:* UVA fundraising surpassed $885 million in FY2025 (read the story)* FEI property now known as Sycamore Hill (read the story)* The UVA Buildings and Grounds Committee has approved the schematic design for the future Center for the Arts (read the story)* Albemarle Supervisors get update on Shenandoah National Park (read the story)* Greene Supervisors approve financing package for White Run Reservoir, other projects (read the story)* TJPDC legislative liaison briefs Greene Supervisors on upcoming General Assembly session (read the story)* Two Supervisor seats on the ballot in Greene this November, one of them contested (read the story)* Charlottesville hires Block by Block firm to perform services of “Clean Team” (read the story)* Democrat holds onto Virginia's 11th Congressional District (read the story)* Virginia Court of Appeals sends Albemarle's “missing middle” case back to Circuit Court (read the story)Sponsor: Westwind FlowersIt's that time of year we've all been waiting for… Dahlia season!Westwind Flowers in Orange, Virginia believes the blooms in your vase should be just as fresh, and just as local, as the food on your table.Join them in September at their Gordonsville floral studio for their Dahlias & Desserts Workshop—sweet treats, stunning flowers, and serious fun.Then in October, grab your shears and sign up for their Dahlia U-Pick events at their farm… a flower lover's dream come true!But why wait? Order your locally grown, freshly harvested Dahlia bouquets today, delivered straight to your home, your office, or to someone special.Westwind Flowers offers sustainably grown, thoughtfully curated cut flowers, perfectly suited to the season, and the special moments in your life.Learn more at westwindflowers.com. 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
Read OnlineStanding by the cross of Jesus were his mother and his mother's sister, Mary the wife of Clopas, and Mary Magdalene. John 19:25Our Blessed Mother, the Mother of the Son of God, loved her Son with a perfect love. She enfleshed every virtue to perfection. Her love for her Son was a love that was beyond what we could ever imagine. She conceived Him miraculously, bore Him in her womb, gave birth to Him, nursed Him, raised Him and loved Him throughout His life. It's difficult to even imagine the depth and beauty of the love she had for Jesus. Generally speaking, a mother's love is powerful, unwavering, deep and filled with tenderness. Try to imagine the Immaculate Heart of Mother Mary and the amazing depth of love alive in her heart.Imagine also the scene depicted in the Gospel passage quoted above. This loving mother stood at the foot of the Cross, gazing upon her crucified Son, continuing to exude every motherly virtue. And because it's hard to fathom the depth of her love for her Son, it's also very hard to imagine the depth of sorrow and interior suffering she endured as she watched the cruelty toward Jesus unfold. All she could do in that moment was stand by Him and with Him in this moment of extreme agony. Her love was expressed, in that moment, by her fidelity to Him.What's beautiful to know is that love, sorrow, compassion and suffering were united as one within her Immaculate Heart. Within the beauty of her heart was every human emotion, fueled by God's grace, enabling her to give to her Son the greatest gift she had: her motherhood. She was a true mother throughout her life, and, in this moment, as her Son hung on the Cross, her motherhood culminated in a perfect human expression.We all long to be loved by another. To give and receive love is the greatest gift that we can give and receive. Love is what we were made for and is the source of our fulfillment in life. We can be certain that as Mother Mary stood at the foot of the Cross, her human heart experienced the greatest fulfillment ever known. Her heart was fulfilled because she exercised her motherly love to perfection.Gaze upon the image of the Mother of God this day. Ponder, especially, all that she would have experienced within her human heart. Though theologians could write volumes on this meditation, the best way to understand her heart of love is through prayerful meditation. Ask our Blessed Mother to reveal her heart to you today. Find some time to sit in silent adoration of this holy image of perfect motherly love. As you do, know two things. First, know that Mother Mary has this same depth of love for you. Do not doubt it. Her heart burns with compassion as she gazes upon you, even in your sin. Second, know that our Blessed Mother's love must also fill your heart and overflow into the lives of others. We all must allow her compassion, concern, fidelity and mercy to flow through our hearts. Who do you need to love with the heart of our Blessed Mother? Seek to receive the love in the heart of the Mother of God and seek to give that love. Receive it in and then allow it to flow forth. There is truly nothing in this world more beautiful and awe inspiring than the holy image of this love. My Immaculate and Sorrowful Mother, you stood at the foot of the Cross of your Son with the perfection of a mother's love. Your heart was filled with a sorrow that was mixed with every holy virtue. Pray for me that I may understand this love more fully, so that I may also open up my own heart to your love. As I do, I pray that I will become an instrument of the love in your heart toward those in my life who suffer and are in most need of tender compassion and mercy. Sorrowful Heart of Mary, pray for us. Jesus, I trust in You.Daderot, Public domain, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.
Generally, by the time someone gets invited on a show like this they’ve figured out how to tell the story of their business in a way that makes their journey seem like a steady climb from humble beginnings to current success. In telling these histories, entrepreneurs will talk generally about setbacks, but they don’t typically elaborate on specific obstacles. Like, for example, this scenario: Suppose you’re a startup entrepreneur with a new product, and you get the call you’ve been waiting for, from Walmart, with a giant purchase order. Now, instead of spending $10,000 on raw materials, you’ll need $200,000. Your shipping costs are going to go from $5,000 to $50,000. And you’ll need 10 more people to pull this off, which is $1m in new salaries. You can borrow this money, no problem, right? You’re going to be able to pay it back - you have the Walmart purchase order to prove it. But you discover that no traditional lender, like a bank, will lend you money unless you’re (a) profitable and (b) have 2 years of receipts. You don’t qualify in either of those categories. So, what do you do? Well, one option is you go to a national company that’s headquartered here in New Orleans, called Republic Business Credit. Republic Business Credit specializes in what’s called Accounts Receivable Finance. Basically, they will loan a company money based on a purchase order – up to $20 million. Or, in a practice called "factoring," they’ll buy the purchase order off a company – minus a fee – so the company gets cash immediately and when the purchaser pays the invoice, the payment goes to Republic Business Credit. Leigh Guglielmo has been helping companies finance their business at Republic Business Credit since 2011. Today she’s the company’s Senior Vice President of Business Development. Another thing you hear a lot about in a typical startup success story is, the Power Point pitch. Andres Barcelo and his wife, Ashley Webb, moved to New Orleans in 2017 to be closer to Ashley’s family. Three years later, when they had their lives derailed by the pandemic, Andres and Ashley started gr owing vegetables in their 9th Ward neighborhood. When they discovered that okra, beans, cucumbers and peppers grew well, they grew more of them. Till they had so much that someone suggested they could start a farmers market. So, they did. Then they began adding products from other local folks - like bread, hand pies, candles, soap, pickles and jam. And before you know it – without a single Power Point presentation – Andres and Ashley had built a business. Today you can find Barcelo Gardens Fresh Market most days of the week in varying locations, including their flagship location on Piety Street in the Upper 9th Ward, and at pop-ups and markets in The Irish Channel, The Marigny, Harahan, and Napoleonville. There’s a saying people use in general conversation to describe how today is pretty much like every other day: “Business as usual.” Interestingly, you don’t hear a lot of people in business saying that. Mostly because business is typically anything but business as usual. There’s almost always an obstacle, a wrinkle, a problem to solve. Leigh is in the business of solving the biggest problem of them all for most businesses – operating capital. And Andres' business is dependent on the most fickle of all fundamentals – the weather. One thing they have in common is, without a lot of fanfare, they’re both doing something vital for our local business community, and community in general. Out to Lunch was recorded live over lunch at Columns in Uptown New Orleans. You can find photos from this show at itsneworleans.com. See omnystudio.com/listener for privacy information.
Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera, You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this. ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job? After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb. Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing, with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat. This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley. Jay Scott, what's going on, brother? Welcome to the show. Scott (04:09.196) Thanks. Appreciate you having me here Seth. Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to. Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family. focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the, next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years. Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that? So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses, For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened. And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place? how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it. Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about. Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges. So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate. I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash. And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily. Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication. I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year. And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff. And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team. We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business? Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country. That's great man, said you weren't having fun anymore, you having fun now? I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses. you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it, $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to... Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece. And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts. Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of? I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude. Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners. because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down. Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry. Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so... Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise. and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while. Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there. Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years. And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible. Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other. potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly, Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on. Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time. I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level. Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it? And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been. compounding it and so now I could buy that home for cash five years or 10 years later. Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say, Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing. Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk. Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because. Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily, Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem. Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things? So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up. Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself. So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal. Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is. I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me. So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together, Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit. I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in. that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and... does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from? Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals? The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily. the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed. all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say, Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team. Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal. So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally a reasonable prediction of what we might expect from that investment. Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information. Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important. because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar. you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people. And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk? And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions. Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing. And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher. and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate? and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be. If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass. Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those. those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners? Absolutely. Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification, is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is, get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the. diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive. Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4. Scott (45:05.598) It's time for the Freedom Four. What's the best thing you do to keep your mind and body healthy? So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie. And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that. Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it? Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management. I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough. and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice. Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some. Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset. Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom. take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth. Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling. Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better. Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital. I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you. Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find. Awesome man. Talk soon. Scott (50:54.945) Awesome. Thanks, All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action. partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey. Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor
Today we welcome Warren Abadie, Director of Traffic, Roads and Bridges for Lafayette Consolidated Government (LCG). A Lafayette native, Warren has spent his entire career with LCG, steadily rising through the ranks after graduating from UL Lafayette in 2003 with a degree in electrical engineering (computer option). He started as an engineer aide, moved on to traffic maintenance supervisor, traffic signal/system engineer, and city-parish transportation engineer before being appointed director in 2020. “I affectionately refer to myself as the director of misery and unhappiness,” Warren joked, but his love for his job is clear. He explained that a professor once told him, “Your first job will determine your whole career,” and in his case, that proved true. His engineering background in coding and electrical systems naturally aligned with his first promotion into traffic signals. Managing 190 Traffic Signals Across the City Warren oversees a vast system of about 190 traffic signals, many of which LCG maintains through agreements with the state. He explained how the signal network functions: “If you're on a minor street at a major street, it's going to feel like the signal is taking forever. A minute in your car feels more like five minutes. But we run the system as a network. All the signals on Pinhook have to have the same cycle length… so there's some inefficiencies there. But the main street always takes precedence.” With a central server syncing up internal clocks, Warren and his team can monitor complaints in real time, using traffic cameras and logs to identify problems, often adjusting signals remotely: “We're always tinkering. We're always changing. We're always trying to make 10 pounds of fluff fit in a 5-pound bag.” Balancing Capacity, Convenience, and Safety Warren described the essence of traffic engineering as a balancing act: “Traffic engineering is a balance of three things. Capacity. Convenience. And safety. If safety was first, your car wouldn't go more than five miles an hour… If it was all about convenience, there'd be no pavement markings on the road. And if it was all about capacity, I wouldn't allow left turns on signals.” This balance is one reason he strongly supports roundabouts, which check all three boxes by being safer, more efficient, and accommodating U-turns. He acknowledged, however, that roundabouts are more difficult to design and build, and some—like the Ridge Road and Rue de Belier roundabout—are already over capacity, with plans in place for upgrades. Traffic Growth and New Projects “Traffic is a sign of economic activity and growth,” Warren noted, pointing out Lafayette is one of the few parishes in Louisiana still growing. He listed several new roundabout projects in the works, including: Broussard and Robley West Broussard and Duhon (near Acadian Village) Ridge and Domingue Road Rue de Belier and Ridge (expansion to multi-lane) Vincent Road in Broussard LA 92 and East Broussard (toward Milton) Safety, Motorcycles, and Crash Data As a father, Warren is deeply concerned about motorcycles: “Don't let anybody you love drive a motorcycle because your target value is just too small and the margin for error is just way too small. It's exciting, but the reality is there's just not any room for error.” His department continually analyzes crash data and works to balance safety with traffic flow, noting that signals reduce deadly right-angle crashes but often lead to an increase in rear-end crashes—generally less severe. Road Repairs and Infrastructure Challenges Road work is another part of Warren's responsibility, and he was candid about the frustrations drivers feel: “Everything we do day to day requires the use of that system. Generally, the roads are already congested. Now I got to fix it and make them more congested. It's not something we take lightly.”
The panel wraps Apple's “Awe Dropping” coverage by debating iPhone 17 hardware: new vapor-chamber cooling, bigger batteries, a widened camera “deck,” triple 48MP sensors, square-format capture, brighter 3,000-nit displays, and up to 2TB storage. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio contrast AirPods' translation “wow” with phones' incremental gains, weigh real-world benefits for creators, and critique Apple's moodier event production and revived case materials. MacVoices is supported by Take Control Books: The Answers You Need Now, From Leading Experts. Start your library today. Show Notes: Chapters: [0:07] Vapor cooling, heat management, and battery talk [1:22] Battery size estimates and efficiency on Air vs Pro Max [3:27] The new camera “deck” and thermal/camera trade-offs [4:55] Triple 48MP sensors and square-format capture [7:07] “Speeds and feeds” vs real functionality debate [10:27] iOS features, innovation cycles, and upgrade cadence [12:45] Health features, incremental progress, and use cases [17:14] Hardware day vs software day expectations [20:40] Front camera uses for creators; landscape without rotation [24:07] Displays at 3,000 nits; storage to 2TB [25:37] Event production style: locations and lighting [27:14] Case materials return and real-world durability [30:56] Selfie stats and content-creation focus [35:56] Hats, humor, and closing plugs Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Constitutional Chats hosted by Janine Turner and Cathy Gillespie
What makes a Supreme Court case a landmark case? That's going to mean something different to each of us. Generally those cases that plow new ground can be viewed as landmark. The Supreme Court rules on a wide range of cases that affect the way our government functions. To discuss a number of these cases, our special guest today is Thomas Jipping, Senior Legal Fellow, Edwin Meese III Center for Legal and Judicial Studies at the Heritage Foundation.
The panel wraps Apple's “Awe Dropping” coverage by debating iPhone 17 hardware: new vapor-chamber cooling, bigger batteries, a widened camera “deck,” triple 48MP sensors, square-format capture, brighter 3,000-nit displays, and up to 2TB storage. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio contrast AirPods' translation “wow” with phones' incremental gains, weigh real-world benefits for creators, and critique Apple's moodier event production and revived case materials. MacVoices is supported by Take Control Books: The Answers You Need Now, From Leading Experts. Start your library today. Show Notes: Chapters: [0:07] Vapor cooling, heat management, and battery talk [1:22] Battery size estimates and efficiency on Air vs Pro Max [3:27] The new camera “deck” and thermal/camera trade-offs [4:55] Triple 48MP sensors and square-format capture [7:07] “Speeds and feeds” vs real functionality debate [10:27] iOS features, innovation cycles, and upgrade cadence [12:45] Health features, incremental progress, and use cases [17:14] Hardware day vs software day expectations [20:40] Front camera uses for creators; landscape without rotation [24:07] Displays at 3,000 nits; storage to 2TB [25:37] Event production style: locations and lighting [27:14] Case materials return and real-world durability [30:56] Selfie stats and content-creation focus [35:56] Hats, humor, and closing plugs Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The ACLS algorithms are designed to make it easier to remember the key interventions we should deliver, and the order in which they should be delivered, to provide the best evidence-based care possible.Generally speaking, if there's a change in a patient's condition, we should ensure we're using the correct algorithm.Three key points to remember when using ACLS algorithms.Walk through of an example mega code scenario with explanations of when and why we change to a different ACLS algorithm.**American Cancer Society (ACS) Fundraiser This is the seventh year that I'm participating in Men Wear Pink to increase breast cancer awareness and raise money for the American Cancer Society's life-saving mission.I hope you'll consider contributing.Every donation makes a difference in the fight against breast cancer! Paul Taylor's ACS Fundraiser Page: http://main.acsevents.org/goto/paultaylorTHANK YOU for your support! Good luck with your ACLS class!Links: Buy Me a Coffee at https://buymeacoffee.com/paultaylor Free Prescription Discount Card - Get your free drug discount card to save money on prescription medications for you and your pets: https://safemeds.vip/savePass ACLS Web Site - Other ACLS-related resources: https://passacls.com@Pass-ACLS-Podcast on LinkedIn
The panel continues its discussion of Apple's latest announcements from the “Awe Dropping” event, focusing on the Apple Watch Series 11, new health and sleep tracking features, and the Ultra's extended battery life. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio switch to the iPhone lineup, with debate over the new iPhone Air, Pro, and Pro Max models, camera improvements, storage options, and durability upgrades. The group weighs trade-in values, upgrade decisions, and how new features fit real-world use. This edition of MacVoices is brought to you by our Patreon supporters. Get access to the MacVoices Slack and MacVoices After Dark by joining in at Patreon.com/macvoices. Show Notes: Chapters: [0:00] Apple Watch Series 11 First Impressions [1:33] Comfort and Bands for Sleep Tracking [2:21] Upgrade Decisions: Series 9 to Series 11 [4:55] Battery Life Improvements on Watch Models [5:44] Transition to iPhone Discussion [7:05] Sleep Score: New Health Tracking Feature [10:45] Health Tech, Insurance, and Oura Rings [12:41] First Reactions to iPhone Air and Pro Models [14:32] Considering Durability and Use Cases [16:51] Pro Max Loyalty and Color Choices [18:31] Video, Storage, and ProRes Capture [22:40] Heating Issues and A19 Pro Chip [24:07] iPhone Air Display Brightness and Modem Chips [25:48] Zoom Capabilities and AI Cropping Debate [28:52] Camera Stabilization and Sensor-Shifting [34:20] 3000-Nit Displays and 2TB Storage Options [35:18] Ceramic Back, Unibody Design, and Closing Thoughts Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The panel continues its discussion of Apple's latest announcements from the “Awe Dropping” event, focusing on the Apple Watch Series 11, new health and sleep tracking features, and the Ultra's extended battery life. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio switch to the iPhone lineup, with debate over the new iPhone Air, Pro, and Pro Max models, camera improvements, storage options, and durability upgrades. The group weighs trade-in values, upgrade decisions, and how new features fit real-world use. This edition of MacVoices is brought to you by our Patreon supporters. Get access to the MacVoices Slack and MacVoices After Dark by joining in at Patreon.com/macvoices. Show Notes: Chapters: [0:00] Apple Watch Series 11 First Impressions [1:33] Comfort and Bands for Sleep Tracking [2:21] Upgrade Decisions: Series 9 to Series 11 [4:55] Battery Life Improvements on Watch Models [5:44] Transition to iPhone Discussion [7:05] Sleep Score: New Health Tracking Feature [10:45] Health Tech, Insurance, and Oura Rings [12:41] First Reactions to iPhone Air and Pro Models [14:32] Considering Durability and Use Cases [16:51] Pro Max Loyalty and Color Choices [18:31] Video, Storage, and ProRes Capture [22:40] Heating Issues and A19 Pro Chip [24:07] iPhone Air Display Brightness and Modem Chips [25:48] Zoom Capabilities and AI Cropping Debate [28:52] Camera Stabilization and Sensor-Shifting [34:20] 3000-Nit Displays and 2TB Storage Options [35:18] Ceramic Back, Unibody Design, and Closing Thoughts Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The first part of the MacVoices Live! panel's discussions about Apple's latest event, dives into new AirPods with translation, heart rate monitoring, enhanced noise cancellation, and fitness tracking. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio also cover Apple Watch updates, including the SE3's expanded health features and the Ultra's larger display. Along the way, they share trade-in tips and sleep tracking issues, all while weighing upgrade decisions. Get Tidy Today with Cloud Cleanup and CleanMyMac! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: [0:00] Opening and Ferrari Aside[1:06] Introducing the Panel[4:47] First Reactions to AirPods Updates[7:18] Translation and Noise Cancellation Features[9:08] Heart Rate and Fitness Tracking in AirPods[11:40] Battery Life and AI Integration[13:26] Sponsor: Cloud Cleanup from CleanMyMac[15:10] Foam-Infused Ear Tips and Comfort[16:50] Trade-In Value and Upgrade Decisions[22:15] Apple Watch SE3: Affordable Health Features[27:51] Apple Watch Ultra 3: Larger Display and Debates[33:41] Sleep Tracking and Notifications Frustrations[36:51] Closing Thoughts and Humor Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The first part of the MacVoices Live! panel's discussions about Apple's latest event, dives into new AirPods with translation, heart rate monitoring, enhanced noise cancellation, and fitness tracking. Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Jim Rea, Web Bixby, Eric Bolden, and Mark Fuccio also cover Apple Watch updates, including the SE3's expanded health features and the Ultra's larger display. Along the way, they share trade-in tips and sleep tracking issues, all while weighing upgrade decisions. Get Tidy Today with Cloud Cleanup and CleanMyMac! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: [0:00] Opening and Ferrari Aside [1:06] Introducing the Panel [4:47] First Reactions to AirPods Updates [7:18] Translation and Noise Cancellation Features [9:08] Heart Rate and Fitness Tracking in AirPods [11:40] Battery Life and AI Integration [13:26] Sponsor: Cloud Cleanup from CleanMyMac [15:10] Foam-Infused Ear Tips and Comfort [16:50] Trade-In Value and Upgrade Decisions [22:15] Apple Watch SE3: Affordable Health Features [27:51] Apple Watch Ultra 3: Larger Display and Debates [33:41] Sleep Tracking and Notifications Frustrations [36:51] Closing Thoughts and Humor Links: Apple's ‘Awe Dropping' Event - Recording Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
TypePad's shutdown prompts a PSA on exporting old blogs, while the panel welcomes the nostalgic return of MacSurfer—an Apple-news aggregator reborn in beta. Chuck Joiner, David Ginsburg, Eric Bolden, Jim Rea, Jeff Gamet, Marty Jencius, Mark Fuccio weigh whether curated headlines still matter in an RSS world, discuss topic vs site organization, search usefulness, and daily cadence. Along the way are comments about decluttering, fiber-speed brags, and how aggregation style shapes what we read. Get Tidy Today with Cloud Cleanup and CleanMyMac! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: 0:00 – TypePad departs; opening0:58 – Panel hellos and Labor Day hangover3:23 – Weekend notes and will-writing humor4:40 – Gigabit fiber and decluttering talk7:17 – PSA: TypePad shutdown and export deadline8:31 – MacSurfer returns: what it is now10:32 – Why curated Apple headlines still appeal12:35 – RSS vs aggregation; duplicates and value16:54 – Cloud Cleanup sponsor read18:44 – How MacSurfer groups sources and topics21:44 – Organizing by topic vs by site in readers23:37 – Daily cadence, archives, and nostalgia25:07 – Closing reflections Links: Typepad is shutting downhttps://everything.typepad.com/blog/2025/08/typepad-is-shutting-down.html MacSurferhttps://macsurfer.com Guests: Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
TypePad's shutdown prompts a PSA on exporting old blogs, while the panel welcomes the nostalgic return of MacSurfer—an Apple-news aggregator reborn in beta. Chuck Joiner, David Ginsburg, Eric Bolden, Jim Rea, Jeff Gamet, Marty Jencius, Mark Fuccio weigh whether curated headlines still matter in an RSS world, discuss topic vs site organization, search usefulness, and daily cadence. Along the way are comments about decluttering, fiber-speed brags, and how aggregation style shapes what we read. Get Tidy Today with Cloud Cleanup and CleanMyMac! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: 0:00 – TypePad departs; opening 0:58 – Panel hellos and Labor Day hangover 3:23 – Weekend notes and will-writing humor 4:40 – Gigabit fiber and decluttering talk 7:17 – PSA: TypePad shutdown and export deadline 8:31 – MacSurfer returns: what it is now 10:32 – Why curated Apple headlines still appeal 12:35 – RSS vs aggregation; duplicates and value 16:54 – Cloud Cleanup sponsor read 18:44 – How MacSurfer groups sources and topics 21:44 – Organizing by topic vs by site in readers 23:37 – Daily cadence, archives, and nostalgia 25:07 – Closing reflections Links: Typepad is shutting down https://everything.typepad.com/blog/2025/08/typepad-is-shutting-down.html MacSurfer https://macsurfer.com Guests: Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
The MacVoices panel of Chuck Joiner, David Ginsburg, Marty Jencius, Brian Flanigan-Arthurs, Ben Roethig, Jeff Gamet, Eric Bolden, Web Bixby, and Jim Rea debates whether alternatives like Discord, Reddit, Mastodon, or Blue Sky could replace Facebook for groups and community interaction. They discuss ease of adoption, generational barriers, and what it takes for platforms to go mainstream, comparing them to Zoom's rise during the pandemic. The conversation wraps with thoughts on Apple's upcoming September event and closing connections. Get Tidy Today with Cloud Cleanup and CleanMyMac! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: 0:00 – Introduction and sponsor message 1:05 – The Facebook dilemma and community reliance 2:05 – Could Reddit or Discord replace Facebook groups? 3:10 – Community platforms and user responsibilities 4:46 – The “grandparents test” and tech adoption 6:59 – Why Mastodon struggles with mainstream adoption 7:44 – Barriers to new platforms and Facebook's simplicity 8:50 – Lessons from Zoom's forced adoption during COVID 9:59 – CleanMyMac Cloud Cleanup ad read 11:33 – Connections and closing plugs from the panel 21:10 – Apple's September event announcement and predictions 23:14 – Closing thoughts and sign-off Links: The first known AI wrongful death lawsuit accuses OpenAI of enabling a teen's suicide https://www.engadget.com/ai/the-first-known-ai-wrongful-death-lawsuit-accuses-openai-of-enabling-a-teens-suicide-212058548.html Microsoft Copilot is now a talking blob on Samsung TVs https://www.engadget.com/ai/microsoft-copilot-is-now-a-talking-blob-on-samsung-tvs-204115199.html Clippy is back—this time as a mascot for Big Tech protesthttps://www.fastcompany.com/91387927/clippy-is-back-as-a-mascot-for-big-tech-protests Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Ben Roethig has been in the Apple Ecosystem since the System 7 Days. He is the a former Associate Editor with Geek Beat, Co-Founder of The Tech Hangout and Deconstruct and currently shares his thoughts on RoethigTech. Contact him on Twitter and Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Creating a Family: Talk about Infertility, Adoption & Foster Care
Click here to send us a topic idea or question for Weekend Wisdom.Are you considering adopting a child over the age of 5? Listen to this interview with Sarah Hansen and Simi Riesner. Sarah is the Director of International Advocacy at the Gladney Center for Adoption, with over 20 years of experience supporting adoptive families and children. She is also an adoptive parent to an older child from Thailand. Simi is the Executive Director of Mazi Adoption and Family Services, as well as a licensed social worker and foster parent. Simi also has lived experience as an adult adoptee, and is passionate about maintaining sibling relationships and promoting transparency within the adoption community. In this episode, we discuss:What are the age ranges you see being the most difficult to find adoptive homes for?Generally the greatest need in both international and foster care adoption is kids 5+Why are many prospective parents are almost afraid of adopting a tween or teen.What are the common challenging behaviors parents may face when adopting an older child: (keeping in mind that not all older children will struggle with these behaviors!) Lying, stealingLagging social skillsActing out physically or sexuallySibling rivalryRegression of already developed skills (potty training, sleep, communication etc)What behaviors might parents expect to see in the children already living in the home that are likely impacted by the behaviors of a newly adopted sibling? Or influenced by the new sibling?Why do older children behave in some of these challenging ways? What's driving them? Grief, lossTrauma, abuse, neglectPrenatal exposure to drugs/alcoholFear, unpredictability, Fight/flight/freeze responseConstant hypervigilanceCoping or survival skillsMental health challengesUndiagnosed learning challengesWhat are a few specific strategies to build trust and felt-safety for a newly adopted older child?What suggestions do you offer families who are adopting tweens and teens – especially when those young people have had very few limits or boundaries around them prior to adoption?What are the signs that maybe an older child is not attaching securely or catching on to the idea that they are now part of this family?Practical tips to implement today when considering Older Child AdoptionResources:6 Tips for Older Child AdoptionMaintaining a Healthy Perspective When Parenting Tweens & TeensPreparing to Blend Kids by Birth and Adoption or Foster/Kinship CareSupport the showPlease leave us a rating or review. This podcast is produced by www.CreatingaFamily.org. We are a national non-profit with the mission to strengthen and inspire adoptive, foster & kinship parents and the professionals who support them.Creating a Family brings you the following trauma-informed, expert-based content: Weekly podcasts Weekly articles/blog posts Resource pages on all aspects of family building
In today's episode of Barbell Shrugged Dan Garner dives into how you can start to analyze your yearly bloodwork for performance. Standard blood tests can be ordered around the globe, in every country, and are the gold standard for understanding basic health. The normal reference ranges, however, are not giving you the answers you are looking for when it come to optimizing your health and performance. In this episode you will learn: What's the mindset/philosophy of looking at bloodwork for performance if it's classically a health screen? Generally speaking, energy is what every performer needs regardless of their pursuit. How can one look at bloodwork to improve their energy levels? Electrolytes come on every panel, can these be used to look at hydration and performance? You've talked a bunch about the immune system in past podcasts so I'm wondering what a basic blood panel can tell us about the current state of our immunity? What general recommendations do you have in terms of preparation so when someone gets their blood draw they can ensure it's accurate? To learn more, please visit rapidhealthoptimization.com to see Dr. Andy Galpin and Dan Garner do a free lab, lifestyle, and performance analysis. Dan Garner on Instagram Anders Varner on Instagram Doug Larson on Instagram
Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence. President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff. They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors. Resources: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” 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: Keith Weinhold 0:01 welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education Keith Weinhold 0:28 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 in 188 world nations. He has a list show guests and key 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 Speaker 1 1:14 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 1:24 Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE. Keith Weinhold 6:24 Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com Keith Weinhold 7:18 today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge, Caeli Ridge 7:54 ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me Keith Weinhold 8:00 opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts. Caeli Ridge 8:48 So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor Keith Weinhold 12:45 the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year. Caeli Ridge 14:04 Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful Keith Weinhold 15:00 for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy? Caeli Ridge 15:09 It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility. Keith Weinhold 15:37 If Powell did everything Trump said, I feel like we would have negative interest rates right now Caeli Ridge 15:43 that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way Keith Weinhold 16:49 there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this. Caeli Ridge 17:30 The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth Keith Weinhold 17:59 you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold. Keith Weinhold 18:15 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Keith Weinhold 18:46 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 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866, Rick Sharga 19:58 this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 20:05 Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there. Caeli Ridge 21:12 It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning. Keith Weinhold 23:24 That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway. Caeli Ridge 23:50 Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I Keith Weinhold 25:43 I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down. Caeli Ridge 26:42 I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah, Keith Weinhold 27:27 Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all. Caeli Ridge 28:06 You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know. Keith Weinhold 29:09 Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that? Caeli Ridge 29:20 Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box. Keith Weinhold 31:22 Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this? Caeli Ridge 31:35 It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go. Keith Weinhold 32:32 Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about Caeli Ridge 33:21 let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see, Keith Weinhold 36:42 yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest Caeli Ridge 36:57 rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there. Keith Weinhold 37:13 Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge. Caeli Ridge 37:41 Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space Keith Weinhold 38:36 and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are Caeli Ridge 38:44 licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343, Keith Weinhold 39:04 I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show. Caeli Ridge 39:13 Thanks, Keith. Keith Weinhold 39:21 A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream. Speaker 2 41:07 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 41:31 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 pay walls 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 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866 Keith Weinhold 42:47 The preceding program was brought to you by your home for wealth, building, get richeducation.com.
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