Podcasts about Hawaii

He was right in 2000, 2008, and 2020—now he's saying it's time to buy.  Brian Burke is one of the most revered minds in real estate investing. Almost nobody has done what he has—purchased over $1 billion in real estate without ever losing investor money. He played it safe, made moves 99% of investors couldn't believe (including selling 75% of his portfolio at the peak in 2022), and came out on top time and time again. Now, he's saying it's time to get back into the housing market, but for specific properties. Brian thinks now is the time to make moves and that this “stall” in pricing could last years and is a massive boon to real estate investors. Brian has historically purchased in these often-ignored lull periods, and even small deals he bought back then are now paying for his retirement and oceanfront Hawaii property. He stresses that you should buy these manageable, small, and powerful properties right now, too, so you can reach financial freedom faster like he did. What are the properties Brian says investors should be scooping up right now? We're sharing in this episode.  In This Episode We Cover Why Brian believes that these “stalled” home prices could last a while  The perfect rental property for small investors that will pay for your early retirement  Looking for “problem” properties that have huge upside potential  A repeat of the mid-1990s? Why we're following the same slow, steady trend  Pay off your rentals faster! What Brian did to speed up his financial freedom timeline And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1193 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Week 10 is loaded, so we're going rapid-fire through 18 games with numbers, matchups, and edges you can actually use. From Arizona–Colorado and Notre Dame–Boston College to Duke–Clemson, Michigan–Purdue, and the late-night Hawaii–San Jose State tilt, I stack my power ratings, stats-projected spreads, last-4-weeks form, and key metrics like finishing drives and Havoc against the market.We break down: Boise State–Fresno State, Florida State–Wake Forest, Pitt–Stanford, Indiana–Maryland, Ole Miss–South Carolina, Georgia Tech–NC State, Texas Tech–Kansas State, East Carolina–Temple, Auburn–Kentucky, Mississippi State–Arkansas, Virginia Tech–Louisville, Cal–Virginia, and Oregon State–Washington State. Expect trench talk (OL yards, stuff rate), explosiveness checks, red-zone TD rates, and turnover profiles that swing spreads.If you're hunting Week 10 college football picks, CFB predictions, and against-the-spread best bets, this episode delivers a full card with concise leans and an end-of-show recap.

What happens when a newly elected Governor of Kentucky finds his political career consumed by corruption scandals, a burning state capitol…and his son's sensational murder trials? In this episode, we dive into the dramatic rise and infamous downfall of Governor Joseph Desha — and his son Isaac, who may have been one of Kentucky's first serial killers.We begin with Joseph's early life as a frontier soldier turned influential political powerhouse. He championed national expansion and state infrastructure — while waging a bitter political battle to reshape Kentucky's judiciary.Just months into his term as governor, flames destroyed the state capitol, public trust collapsed, and an even darker scandal erupted. Joseph's son Isaac was accused of brutally murdering a traveling attorney named Francis Baker — a case filled with shocking evidence, political interference, and multiple controversial retrials. And the story didn't end there…When Isaac fled Kentucky under an alias, another man wound up dead thousands of miles away — leading newspapers to brand him a monster and fueling rumors that stretched all the way to Hawaii.This episode includes discussion of violence and attempted suicide. Listener discretion advised.What You'll LearnHow Joseph Desha rose from frontier militia to Governor of KentuckyThe political chaos of the “Old Court – New Court” controversyThe mysterious 1824 fire that destroyed Kentucky's state capitolThe sensational murder trial(s) of Isaac Desha — and a governor's abuse of powerHow a second suspicious death sealed Isaac's reputationThe truth behind the long-standing “Desha in Hawaii” conspiracyWhat became of the Desha family after the scandalResources & ReferencesPrimary newspaper accounts referenced include:Lexington Weekly PressFrankfort ArgusThe Olive Branch and Danville AdvertiserAdditional research includes state historical records and modern historical analysis.Connect With the ShowHave thoughts on this story? Email: kyhistoryhaunts@gmail.comFollow KYHH on social media — If you enjoyed this episode, please rate, review, and share. It truly helps the show grow.Send Jessie mail:9115 Leesgate Rd, Suite ALouisville, KY 40222

Edward (38) and Ellen (30) live in Hawaii with their young daughter and a new baby on the way. With a net worth of over $2 million, their finances look strong on paper, but behind the scenes, their marriage is strained by control, fear, and trust issues around money. Edward manages every dollar, while Ellen has to ask for “permission” to spend, even on basic everyday items. He believes tight control protects their future, making her feel more like a child than a partner. As Edward grapples with his deep fear of losing everything, Ellen wants to step into her own financial power. Can they learn to trust each other and build a partnership where both voices are heard, or will control and fear continue to drive their financial decisions? In this episode we uncover: • Why Ellen calls their financial dynamic “like asking my dad for permission” • How Edward's fear of poverty leads to hyper-control over their money • Why Edward compares their finances to the top 1% • Ellen's $8,000 home birth decision • How Ellen avoids learning their finances to sidestep arguments • The emotional legacy of Edward's childhood poverty and Ellen's early financial security • Their definition of a “traditional marriage” • Why they fight about $20 face cream despite earning $28K/month • The weight of Edward's “provider” identity • Their Hawaii “dream home” vs. the financial pressure it created • Their shared craving for safety and control • Ellen's realization that she's been playing financial defense instead of building real skills • Edward's hope to teach their daughter financial independence Chapters: (00:00:00) “It feels like I'm asking for permission” (00:16:10) “I'm in charge of the budget” (00:23:09) “I had just come into a million dollars” (00:34:29) Ramit breaks down their numbers (00:51:41) “I don't think he trusts me at all” (00:56:49) “I will never be poor again” (01:07:01) “When do we get to live like we're wealthy?” (01:17:38) “I shrink myself to please him” (01:39:10) Where are they now? Ellen and Edward's follow-ups This episode is brought to you by: Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you make good money but you haven't taken a real vacation in years, I want to talk to you. I'm casting couples for a special episode of the podcast. Apply this week only at iwt.com/apply.

Today on another encore episode of the Rarified Heir Podcast, we are bringing you part one of our conversation with former child actor Radames Pera, best known for his roles on shows like Kung-Fu and Little House on the Prairie. We had to split this episode into two episodes because there as so much more than we bargained for when we sat down to record this episode. Somehow in addition to covering Radames' career, we got into spin art, the Coogan Law, punk rock, fitting in at school and so much more. Part of that so much more involved his mother Lisa Pera whose acting career involved TV shows like Get Smart, Perry Mason, Hawaii 5-0 and many, many more. We discuss what it was like being raised in a Hollywood apartment by a young, single mother who was too emotionally mixed up from her own time as one of the many victims of being a Ukrainian – Russian in Nazi Germany during WWII. It's so unreal, it's hard to believe it's not more well known or talked about 70+ years later. And somehow, this is just the beginning of Radames tale because there is an entirely different story in part two of the podcast as well. What starts as a story about seemingly idyllic roles as John Jr. and a young Caine that found Pera on the cover of teen magazines as a heartthrob for years turns very dark, very fast. It's emotionally honest and brutally so. Take a listen to this episode of the Rarified Heir Podcast. Everyone has a story. But not like this one.

ALOHA and E KOMO MAI to “Living The Aloha Life” If you are enjoying our FREE PODCASTS we do each month we hope you take a moment to become a PATREON MEMBER and become a Patron of our show…We dedicate a lot of time and sweat into this Podcast and it costs us!  We have a lot of pride in what we do and […]

Dr. Novneet Sahoo, Deputy Commissioner for Public Health at the New Jersey Department of Health, discusses his state's multi-pronged strategy to improve vaccine access and address vaccine confidence in response to a national rise in pediatric flu deaths; Thaddeus Pham, Viral Hepatitis Prevention Coordinator at the Hawaii Department of Health, explains what the state has accomplished through HEP FREE 2030, Hawaii's initiative to eliminate Hepatitis B and C by the year 2030; on Wednesday, October 29th at 3:00 p.m. ET, ASTHO will host part one of a two-part webinar series on the accomplishments of various jurisdictions in their preparedness and response tactics during extreme weather events; and a new ASTHO report can help jurisdictions reduce overdose-related harms and support the communities affected by it. NJ.com: Pediatric flu deaths reach 15-year high. Get your shot now, officials urge. HEP FREE 2030: The Hawai'i Hepatitis Elimination Strategy 2020-2030 ASTHO Webinar: Weathering the Storm: The Importance of Environmental Health Preparedness and Response Part I ASTHO Report: Overdose Data to Action: Utilizing Partnerships and Flexibility to Support Policy Change

Who is the greatest waterman? Few, if any, truly do as many disciplines of “watersports” as well as Noah does them. Wakeboarding, wake surfing, foiling (wake and ocean), surfing, kiting, and even diving and fishing, Noah seems to know his way around them all. Gingers vs. the sun, Florida vs. Hawaii, leaving Hyperlite, SI kid of the year, longest hold under, the future of foiling, wake surfing wackness, and avoiding burnout. We talk with Noah about all that and much more in Episode 103 of the Grab Matters Podcast! Follow Noah: https://www.instagram.com/noahflegel/Thank you to this shows sponsors! Liquid Force: https://www.liquidforce.com/ Slingshot: https://slingshotsports.com/Support the show: https://www.patreon.com/GrabMattersPodcastChapters:00:00 - 1:50 Intro2:35 Favorite grab3:10 Noah vs. the sun6:20 Florida vs. Hawaii8:20 Leaving Hyperlite30:20 Finding new sponsors 47:00 Early days riding 54:30 Sports Illustrated Kid of the Year1:01:55 LF'n Wheel of Questions1:10:00 Questions from Keenan (being starstruck)1:14:40 Guest Question: Rodrigo Donoso1:22:40 Biggest inspos/snowboarding 1:26:00 Patreon Question: Utah1:33:00 Burnout1:40:00 Surfing/Big Wave1:47:00 Longest hold under2:00:00 Wakesurfing 2:06:20 Slingshot Silhouette Challenge2:09:30 Foiling and its future 2:17:50 Setups2:19:00 Wackness in wakesurfing 2:27:00 Wakefoil setup2:34:00 Thank you's Thank you for the guest question!Follow Rodrigo: https://www.instagram.com/rodrigosnaps/Shoot us a text!Patreon: https://www.patreon.com/GrabMattersPodcastWebsite: https://www.grabmatters.com/YouTube: https://www.youtube.com/@grabmatters/videosInstagram: https://www.instagram.com/grabmatters/TikTok: https://www.tiktok.com/@grabmatterspodcastFacebook: https://www.facebook.com/grabmatters

Happy Halloween from Pinch My Salt—the surf-comedy podcast with Sterling Spencer & Cousin Ryan. Tonight we summon North Shore myths, Pipeline nightmares, Santa Cruz sketchiness, church hell-house stories, and the eternal debate: is gatekeeping surfing good for the culture or a kook move? We roast foilboarders, praise core lords, confess to bowling with Australians, and ask why the scariest waves make us feel the most alive. If you love surf history, wipeouts, haunted swells, Kelly Slater & Laird Hamilton lore, Hawaii surf culture, Pete & Pete nostalgia, and ridiculous Halloween bits, this one's for you. Hit LIKE, drop a

Keith discusses strategies for amplifying investing returns and reducing lifetime tax burdens through real estate, geography, and industry.  He compares tax burdens by state and explains how investors can leverage low-income tax states and low-property tax states.  Podcast host, investor and developer, Victor Menasce, joins the conversation to highlight the industrial real estate market, emphasizing the demand for warehousing and logistics.They touch on the potential in industrial outdoor storage and the complexities of data center investments. Reach out to Y Street Capital to learn more about their projects and the real estate espresso podcast. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/577 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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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  0:00   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about how you can use real estate, geography and industry to amplify your investing returns over the course of your life and permanently reduce your lifetime tax burden today on Get Rich Education.   Keith Weinhold  0:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 77958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Corey Coates  1:34   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  1:49   Welcome to GRE from Milford, Delaware to Milford, Utah and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, the voice of real estate investing since 2014 now, what do you think about a multi week government shutdown? That means there's a cut in your service level, but of course, oh geez, there's no commensurate cut in the amount of taxes that you pay. This is the government's version of charging rent on a vacant unit. That's what's happening. That's what we've been looking at in the biggest expense you'll ever pay in your life. It isn't housing, it's taxes. Before I get to how you can reduce the amount of taxes that you'll pay throughout the course of your life, which is huge. Let's pull back, and I guess it's a bit of a real estate geography riddle for you, imagine if there were a place that existed, and this place is within a 15 minute drive of a seacoast, 15 minutes of mountains, within 15 minutes of an urban core of about 300,000 people, and within 15 minutes of an international airport and a decent airport that has direct, non stop flights to Europe. Even, could that place exist all of that? I mean, it almost sounds too good to be true when I put it like that, yes, it does, and it's in the United States. On top of that, this same place with proximity, within 15 minutes of all four of those things, has zero state income tax and zero sales tax. Yes, all this is in the same place, and that's where I am coming to you from today, Anchorage, Alaska. I traveled a good bit, and I can't think of another place in the US quite like it. A quick check of Chad GPT corroborates this, saying that the US places that come closest are Honolulu, Juneau and Bellingham, Washington. They come the closest to that. Now, the biggest downside, in my opinion, is a long, dark, cold winter. Well, that's when I do more traveling, but I spend many months of the year right here in Anchorage. And my guest today, who you'll hear from later, I haven't had him on the show in years, where recently he I and his wife, Natasha, toured Anchorage. I drove them around.   Keith Weinhold  4:29   first, let me tell you about a creative way to pay both a low property tax and a low income tax, and that is no matter what state or province that you live in now, the big three taxes that people pay throughout their lives are income tax, sales tax and a property tax. Those are the big three, and when you combine those to come up with the highest and lowest tax burdens by state, you'll notice that coastal states often pay the most. They generally have the biggest burden, because coasts attract people, and therefore those highly populated areas, they need infrastructure, say, for example, more bridges, and they often have more social services for people, and it costs tax money to maintain all of that. Now, look, will people move to an area specifically because they can get low taxes there? Like is that amenity in itself an attractant? Actually, not so much. No, you do get some people to move to Puerto Rico, predominantly for that reason. But interestingly, the two states with the lowest overall tax burden, that is, when you combine income, sales and property tax, the lowest are Alaska and Wyoming, and yet they have the fewest people living there, under 1 million people each. So the two states with the lowest tax burdens are also the two least populous states. So it is not making people flock there. So where you choose to live? Oh, that has more to do with your overall quality of life. And you know that's probably as it should be. Well, whether you own your home or you rent your home, you effectively do pay property tax, because tenants end up subsidizing the landlord's expenses. Most property tax maps that you see out there, those national property tax maps, they show the average tax bill that a household pays by state, regardless of real estate values. Well, that's not so useful. You might remember that a few weeks ago in our newsletter, I sent you the best and the smartest property tax map that I have by county. You'll remember that it showed the property tax paid as a percentage of the home value, so that relative basis is what matters more. When we look at property tax paid that way, we can more transparently see that the highest property taxes are generally paid in three US regions. Those three regions with the highest property taxes are the northeast, much of the Great Plains and Texas now a 1% property tax rate is, for example, when you have to pay 4000 bucks a year on a property value of 400k That's that 1% and the lowest are in the Western US and the nation's southeast quadrant, often under 1% we're just talking about the property taxes only here. Now out west, lower property taxes, they still rarely create investor cash flow, and that's because purchase prices are too high out west, and rents don't keep up with them proportionally. But low taxes, they do adequately sweeten the most investor advantaged areas, that is in the southeast Indiana, Missouri, Oklahoma, Hawaii, and a bunch of the Mid Atlantic states. All right, so they are the investor advantaged areas that also have low property tax. The nation's lowest property tax rate is in Alabama. Roll tide, I think I've mentioned that on the show before. All right, so that's property tax, but states have to get their revenue somewhere, so oftentimes, if their property tax is low, well then they have to make up for that. So therefore their income or sales tax can be high. Now as far as income tax, each state has their own of course, the high ones are New York, New Jersey, California and Hawaii. Those are many of the high ones. But there are nine states with zero, absolutely zero, state income tax, and those nine states that are free of income tax are the aforementioned, Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming and Washington gets somewhat of an asterisk that has a little wrinkle in it. That's one of the nine with the wrinkle, you'll pay zero income tax on your wages in Washington. It only applies to high earners, capital gains tax income there, all right. Well, all of that is true for everybody there, every US citizen. But here's the arbitrage that a real estate investor can create. If you live in one state and you own property in another state, you always pay property tax where the property is physically located, not where you live. I mean, any longtime out of state real estate investor knows that. So you can therefore live in a state with little or no income tax, for example, Texas, and then a Texas resident can skirt Texas's higher property tax by investing in a different state that has low property tax, like, say, Alabama or Tennessee. Oh, well, now both your property tax and your income tax are low this way. And congratulations, you have just legally exploited the tax system. Some examples of a low income tax home state where you live and a low property tax investor state where your investment property is, so that you get the best of both worlds. They are, Texas is your home state, and Alabama is your investment property state, like I just described, and then a few other scenarios, so that you can legally use the system to pay both a low income tax and low property tax. Are having Pennsylvania as your home state and Missouri as your investor property state, having New Hampshire as your home state and Tennessee is your investor property state. And then another example, having Washington as your home state and Arkansas as your investor state. Those are just some examples of combinations there about how you can live in a low income tax state and then also enjoy having your investment property in a low property tax state and see perhaps now you're doing this without having to move. Yes, investing in low property tax states. Now, of course, property taxes are set at the county or city level. They're not set federally, but just within one state. Sometimes property tax can vary dramatically, which you probably know, but two of the biggest examples of this are in Illinois, Cook County, which is Chicago, and also Miami, Dade County, Florida. I mean those jurisdictions, they have tax rates that can make wallets cry more than their surrounding counties do, and some states have maximums, legal limits ceilings on property taxes. California proposition 13 famously limits property tax to 1% of assessed value, and then the increases are capped as well. I mean this means the two California neighbors with identical homes can pay wildly different taxes, and Florida is still looking to completely eliminate the property tax. Can you imagine that? I mean, it seems doubtful that that will happen, but you can conceive of how much more desirable that would make Florida properties, and that would probably make all Florida housing values skyrocket now, just because a property has a high property tax rate that doesn't disqualify it as an investment property alone, it's just one consideration that'll show up in your proforma, your cash flow. So the bottom line is that as an income property owner, property tax is mostly passed on to your tenant, but paying a low rate still keeps you more flexible and profitable. So think of a map of states with low property taxes, sort of like a treasure map, but instead of x marking the spot, it marks where your money will go the furthest.    Keith Weinhold  13:36   And if you want real estate maps like I'm talking about here, and stories and great charts and investment opportunities that I cannot fit onto the channel. Here, you can grab them in my free weekly newsletter at gre letter.com and part of this is because I just cannot adequately describe a map or a chart to you here in an audio format. You get more in the letter free wealth, building insight every week. And it comes straight from me. 1000s of investors read it every week. Don't live below your means. Grow your means. Get It At gre letter.com Again, that's gre letter.com   Keith Weinhold  14:20   something interesting just happened when Wells Fargo released their housing forecast for the next two years. Let's discuss that between today and 2027 they expect the federal funds rate to drop by a full 1% but they don't expect mortgage rates to drop as much only about a quarter point drop over the next two years in the 30 year fixed rate. For next year, they expect home prices to rise three and a half percent, and then the year after 3.7%. looking down the road a couple years here, and this is sorced by Wells Fargo economics and the US Department of Labor and the FHFA and more. All right, so only a small reduction in mortgage rates and a pickup in home price appreciation, although still pretty moderate. Now you gotta take any interest rate prediction with a grain of salt, like I've told you here before. I personally, I do not forecast interest rates, and when you're looking at interest rate predictions, you are squarely looking at a waste of your time.   Keith Weinhold  15:34   Now, a recent Gallup poll wanted to find out what Americans consider to be the best long term investment. That's the question that the pollsters asked, what is the best long term investment? And the findings were that 16% said stocks. I mean, despite the fact that stocks only seem to make insiders wealthy, still somehow 16% of Americans consider stocks to be the best long term investments, a higher share of Americans, 23% said gold. That actually surprises me, that nearly one quarter of Americans say that gold is the best long term investment, when only about 10% of Americans own gold in the physical form, like bars or coins. And part of this could be driven by the recent hype, where the gold price has more than doubled just since last year, and it broke above $4,000 an ounce for the first time in history this month. All right, so 16% said stocks, 23% said gold. And what's number one in the Gallup poll for what Americans believe is the best long term investment? It's real estate. Ah, well, they got that right. That actually gives me a little more faith than Americans there. Now, when it comes to real estate investment, you know, there's this long running mantra or catchphrase out there that I really disagree with. I mean, you've certainly heard this before, but it just does not resonate with me. And that is, appreciation is just the icing on the cake. That's the catchphrase I am not feeling the vibe there. How in the heck is appreciation just the icing on the cake? The presumption, the inference here, is that cash flow is the main driver of an investment philosophy, and then if you just happen to get appreciation too, oh, well, that's a little sweetener. Like the mantra would say cash flow is the cake, the majority piece, and then appreciation since the icing, oh, that's only a little thing. No, that's misleading. You usually get more of a return from appreciation than you do cash flow.   Keith Weinhold  17:56   I mean, on, say, a 400k income property, what if you only get $200 of cash flow? That can happen? That's $2,400 a year. But instead, 5% appreciation on that property gives you $20,000 a year. That is almost 10x. I think what the icing on the cake, curious catchphrase means is that cash flow is important because it controls the mortgage. Well, then I think it's just better to say that appreciation is not an inconsequential thing. It's often the biggest thing. So is appreciation just the icing on the cake? No, it certainly is not. In fact, I'm going to talk more about that next week when I've got something special planned for you here on the show. What I'm going to do then is look at the ways real estate pays you five ways in a slow market, the real estate market is slow. If you look at it on a basis of transaction volume, say that you buy a property today and over the next year, you don't even get what Wells Fargo forecasts say you only get 2% appreciation and zero cash flow. Just break even on a monthly basis. I mean, there's surely some disappointing numbers, but just say that's what happens. Well, next week, I'm going to add up what your total rate of return would be even in this dour scenario, and I think that you are going to Marvel be flabbergasted at how profitable you are if you just got 2% appreciation and zero cash flow. That's next week.    Keith Weinhold  19:36   As far as today, I'm about to bring in a super smart guest that hasn't been on the show here in a few years. He's usually a fellow faculty member on the real estate guys invest or summit at sea. But he wasn't there with me this year, so we met up in Anchorage. Instead, we're talking about changes to commercial real estate that market, and the opportunities that you might be able to find there from Industrial land, an activity that well generates noise, like Bitcoin mining operations and growing data centers with the increased use of AI. And as you listen, see if you know what I mean about how he feels professorial in his approach, and I mean that in the best possible way you can learn from him. He's from Ottawa, Canada, an international conversation coming up next. I'm Keith Weinhold. You're listening to Episode 577, of get rich education.   Keith Weinhold  20:34   If you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point, because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com   Keith Weinhold  21:46   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 chailey Ridge personally while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com,   Tarek El Moussa  22:19   what's up? Everyone. This is hgtvs Tariq al Musa. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:27   Hey, it's great to welcome back a longtime industry friend. He's a senior partner at y street capital. He owns a development company that's active in nine US states and two Canadian provinces, and he's the host of the real estate espresso podcast. Hey, it's great to have back. It's been a few years. Victor Menasce, great to be here. Keith, well, you know what's different? I mean, we were together doing some sightseeing around Anchorage, Alaska. You I and your wife here just a few weeks ago. That was great to have you. And then you had a nice Alaskan cruise after that. It was lovely. It was great to spend time with you in person, where you and I have spent time together at conferences all around the nation. So thank you for that. Yeah, it was great to do some fun stuff and like, Oh, hey, this guy knows a world outside of just talking about cap rates all the time. So Victor, the commercial side is pretty dynamic, and it sure has been lately with all the changes that we've had in the world, really starting with the pandemic almost six years ago, now, that includes the industrial space and how the need for warehousing and storage has changed. So from a real estate perspective, tell us about what you're seeing there.    Victor Menasce  23:41   We're seeing a lot of changes. Of course, there's a lot of uncertainty that's been injected by the current administration in Washington in terms of international trade. But even if you put that aside the flow of goods from wherever they're manufactured to the end customer, that flow is still there. It's one of these things that often creates inefficiencies, especially as you start to think about really optimizing the overall cost. You know, if you think about what inventory costs you to have on a retail floor where you might be renting that retail space at, I don't know, 55 $60 a square foot, and it's occupying very, very expensive real estate, if you can instead put that in a warehouse that's maybe at 10 to $15 a square foot. Oh, but wait a minute, you've got a 27 or a 35 or a 40 foot ceiling height, and you're stacking it seven to nine levels high. Really, the cost of that inventory has gone way, way down because you're putting it much less expensive real estate, right? Okay, so here is one of the efficiencies of a retailer doing e tail instead of brick and mortar retail, absolutely. And you know, we often see situations where the last mile, you know, we want to get that instant gratification as a consumer, but we don't necessarily want to be having to drive to that retail space. And we don't that's. Supplier doesn't necessarily want to pay Amazon for warehousing that particular product. So often, the fulfillment is done locally, that last mile Logistics is extremely important. That's putting a lot of pressure on this category of product that has traditionally been called Flex industrial. These are those places in the industrial park that you might see an electrician or a landscaping company or a plumber or anyone like that that has an office at the front of 14 or 18 foot Bay at the back and a bit of inventory. A lot of that product right now is being pulled off the market for many different reasons. Some of that's just disappearing and that land is getting repurposed for residential. Some of it's disappearing because people are putting gyms and pickleball courts and things like that and those types of products. Some of it's disappearing because people with exotic car collections want to use that space for a man cave. There's many different things that are demanding that particular product, and there's very little of it getting built. So that's another area right now that is under a lot of pressure. On the demand side, not a lot of new supply and rents are going up much, much faster than they otherwise should be. Talk to us more about the industrial space from the supplydemand perspective, what do people want and what do people need? It varies widely. There are companies that are in manufacturing, they will often look to refresh their investment in equipment. They may not have the capital, so they will sometimes do a sale, lease back of their building, of their facilities, so that they can then repurpose some of that capital onto into the equipment side, so that they can maybe modernize their manufacturing. That's another area where we see significant shifts happening. In industrial we also see a lot in logistics, where the most efficient way to move goods is a 200 year old technology called rail, and it's still alive and well. I mean, if you think about the cost of shipping a container across the country, you're going to spend about two cents per ton mile to move that by rail, or about 10 cents per ton mile to do it by truck. So that's a five times difference in price. That means a container from Los Angeles to New York is going to cost you about $1,400 if you're moving it by rail, or about $7,500 if you're moving it by truck. But if you're now part of the rail system, there's now logistics that you have to worry about at either end. And so if you want to make all of that work, those transfer hubs become extremely important, and there's just not a lot of them,    Keith Weinhold  27:38   okay, so it might only cost 1/5 as much per ton mile to move a good over rail as it does road. But you're sort of talking about the logistical challenge of, oh, getting it that last mile from the rail Terminus to the end user.   Victor Menasce  27:53    absolutely. And there can be a lot of cost associated with that last mile. So if you can solve that problem for the logistics companies and lower their cost for that last mile. That's got significant value, and that's another demand for industrial land. And very few cities are adding industrial land to their master plan. You know, warehouses don't vote, so they don't tend to take other land and zone industrial In fact, if anything, it goes the other way. There's a lot of pressure to take land that was zoned industrial and rezone it for commercial or for residential. In fact, we see that in a lot of cities.    Keith Weinhold  28:30   Now, you the listener, if your entrepreneurial wheels are turning, you can see the opportunity for, Hey, can I get in and help solve the problem in that last mile demand creatively. How do I think I could get in? How do I think I could do that, as long as that demand is sustainable? Victor, when we talk about industrial real estate, like we are here as real estate investors, one of the things that we often think about is site selection. Tell us more about that through the industrial lens   Victor Menasce  28:58   I think there's a couple things that matter. Number one, you can't pay too much for it. It's got to be at the right price. So you've got to be thinking about, you know, we always do what's called residual land value analysis and and that happens in residential, commercial, every single asset class, everyone works backwards from the answer to the question. So the answer is, here's how much profit I need to generate. Here's my capital cost. Here's, you know, you keep backing up and you say, well, now what's left over? That's what I can afford to pay for the land. So you always gotta be working backwards from the answer to the question. And this is no different. We do this in industrial as well. So you gotta make sure that that situation where the numbers work. Number two, you've gotta make sure that there is the right supply, demand dynamics. Got to make sure that the property itself is not contaminated. That can be a liability. If that was once a heavy industry site, then there could be contamination. You want to make sure that that's somebody else's problem, not yours, or if it is your problem, that you can mitigate it where the cost is bounded. So you got to. You know, look at all of these things together. And then, of course, there has to be good connectivity, good access to freeways, to major arterial roads, good access to rail. If you can get a Rails per on the property, even better. But even if you can't, as long as you have good access to major roads. You know, I always look at this through the lens of product design, where you're designing a product for a very specific customer. And so it's really, it starts with the end customers need in mind. And it's not a speculative process. It's really understanding who that customer is designing a product for them and making sure that you're delivering it at the right price. So it's always, always working backwards from the answer   Keith Weinhold  29:43   nowwhen we think about site selection and geography of where we're putting this real estate cities are often located on a body of water, like a bay or a river, often runs through a city, but yet you think of industrial use. Land is not your priciest land, but yet you think of a city center as your priciest land. Oftentimes, where do you put the industrial real estate with regard to the city center? I usually think of it as far outside of that. But are there other trade offs or nuances there?   Victor Menasce  31:11   it can be. You know, it's a question of whether you're doing a greenfield project or an infill project. If the land was previously zoned industrial and you're now just redeveloping it, that can make a lot of sense. If it is a greenfield project where you're looking to build new then, yeah, it's probably going to be in the outskirts, because that's where you're going to get the best land cost. And then, of course, you got to be thinking about what the end product is, and it what's it going to cost you to get it where it needs to be. Most of these projects are built slab on grade, which means that the surface has to be suitable for that sort of building. The land might be cheap, but if you've got to bring in half a million yards of gravel to get the site where it needs to be, it might not look cheap anymore, because you could import so much material. So you have to think of the cost of the land in a shovel ready context, because you can spend an awful lot of money moving dirt, moving gravel, things like that that will be necessary for an industrial project. So when we look at land for that product, we're always looking at it through the lens of, is it in a floodplain? Is it high enough ground? Is it drain? Well, all of those things that come into the cost of preparing the site to accept that kind of a building.   Keith Weinhold  32:23    Now, when we think about what goes on in an industrial space in your mind's eye, you might think of an asphalt plant, or you might think of the noise in some rumbling concrete trucks. With regard to that, what are your thoughts about nimbyism? Do you see much, not in my backyardism among communities with industrial real estate.    Victor Menasce  32:44   Oh, absolutely, without a doubt. And oftentimes that's one of the reasons why industrial land often gets pushed out away from those residential zones. So once you're outside the radius of people who can object, then there's no objection. So that's one way to solve it, and often a good way to solve it, by the way, but you also have to be mindful the fact that if there is potential contaminants coming off of that site, you don't want to be near a body of water that can carry it down into an aquifer and so on. So you've got to be thinking through containment issues. You've got to be thinking through noise propagation issues. There's been, in fact, a lot of issues with data centers, where the air handling and the the air conditioning systems right generate a lot of noise, and that noise often carries over very large distances. And you know, we're talking noise levels that would be very offensive to most homeowners. Some people have had to move because the noise levels have just been so continuous.    Keith Weinhold  33:42   I like the way you put that Victor. It's sort of like, yes, industrial parks are built outside the radius of the loudest objectors. That's right where they're going to go. But that's really the way that it is sometimes when we think about more contemporary uses for how we use industrial real estate today. You touched on data centers, also Bitcoin miners, you know, these are some of the things that generate noise. So what are some of the considerations with those two?   Victor Menasce  34:06    If you're looking at a data center, they consume a lot of power and they generate a lot of heat. The most efficient way to get rid of heat is with water. And that sounds a little bit strange, but you think about it this way, if you heat a molecule of water by one degree. I'm going to actually give you the textbook definition of a calorie. You take that water and you heat it by one degree, that'll consume one calorie of water. That's the definition of a calorie. And if you take it from the liquid state to the vapor state, just that phase change at 212 degrees Fahrenheit, or 100 degrees centigrade, that phase change is going to consume 500 calories. So you're getting rid of tremendous amount of heat by evaporating water, and that's why data centers consume so much water, is because they evaporate the water. That's the way they get rid of the heat. They evaporate it into the atmosphere. And that's how they get rid of the heat. It's the most efficient way to do it, but it consumes a lot of water resources. And then, of course, you've got to have the power to get into the data center, and a lot of places don't have the electric infrastructure to provide what's needed on a sustained basis. So you need not just good power, you need good power redundancy. So if there's a power failure here, you've got maybe redundant paths. So if one transmission line goes down, you've got alternate paths to keep the data center running. And you need the same thing also with communication, so multiple redundant fiber pathways in and out of the data center. So all of these things come into site selection. And then if you got all of that right, you got to overcome the neighborhood objections.    Keith Weinhold  35:45   Yes, that's right. We're doing a little science here with Victor Menasce, experienced international developer, and Victor when we think about industrial real estate, and we're here on an investing show. You know, maybe an investor sees potential in data center real estate or something like that. So for the individual investor, what can they do? Can they do anything individually? Are there funds to invest in, to either avoid or be attracted, to tell us about how the investor can get in?    Victor Menasce  36:15   We're not active in data centers. We're active more on the industrial side. I know the existence of data center funds. I know, for example, Kevin O'Leary, very famous Shark Tank, is a major investor in data centers. If you look him up, there might be some potentials there. Many of the major players in artificial intelligence, Oracle right now is taking on a boatload of debt to build data centers for open AI, so they're going to both build and operate those data centers. And I don't know where they're getting their capital, but they're getting a lot of it, or at least that's what's been announced publicly. Data centers require a lot of at least at that scale, require tremendous amount of infrastructure. We're talking hundreds of acres. We're not talking a small warehouse here that might be a million square feet. We're talking big, big acreage for those scale projects and for more localized projects. Yeah, there are smaller data centers, but they're not that economical to run. So it's usually the large ones that are the most cost efficient.   Keith Weinhold  37:16   Well, two things Victor is there anything else about industrial real estate? Our listeners should know maybe something I did not think about asking you and then tell our audience how they can learn more about what you're doing.    Victor Menasce  37:27   We see opportunity in particular. We think of it almost like a covered land play. We're very active in the industrial outdoor storage space where there is need for things to be stored outdoors. It might be landscaping companies that want to buy materials by the truckload. It might be car dealerships that have an excess of inventory. It might be boat and RV storage. There's many different uses for secured outdoor storage, and these are products that are designed very specifically for customers that have those needs. And as a covered land play, frankly, some of the best returns that are available in the marketplace. We've looked at a number of different things, and this is where we're placing majority of our energy right now as a development company is in that space, because we see it as an underserved segment of the market where there is not a lot of institutional money that's come into the play yet, so we're very active in that space.    Keith Weinhold  38:22   And how can our audience learn more about what you're doing   Victor Menasce  38:25   best is to reach out to us at y Street, capital com. Be happy to have if folks want to learn more about our projects. There's a place where they can sign up on the website to get more information. And love to have you as guests or as listeners to the real estate espresso podcast, and that's a daily show, seven days a week, so love to have you as a listener for that show as well.    Keith Weinhold  38:46   And that's the letter Y, Y Street, capital.com,Victor Mesance, it's been enlightening as always. Thanks so much for coming back onto the show.    Victor Menasce  38:55   Thank you so much.   Keith Weinhold  39:02   Oh yeah, good stuff from Victor as always. Another thing that he, I and his wife did in Anchorage when he was here recently is visit, well, it was not an AI data center, but we went to a mint that sells gold bars, nuggets and bullion. I really just looked. It was fun to look with Victor and actually pick up and hold gold nuggets, something that you cannot do online. I didn't have any intent to buy anything with the run up in precious metals prices. I made my last purchase of those in the middle of last year. So a year and four months ago today, I hear about lots of people rushing to buy precious metals. Now, amidst this big price run up and the run up might still have a ways to go, but no, the time to buy was like a year and a half ago or more. It's not now getting caught up in the euphoria this sort of exhaltation where you're paying double the price.   Keith Weinhold  40:03   next week here on the show, I've got more that I want to share with you on today's opportunity in new build rental property. How real estate pays five ways in a slow market, which is just fascinating. And I've got a GRE live event to tell you about next week as well, and more, lots of intriguing wealth building material here in future weeks, and then sometime after that, my own right hand assistant here at GRE is going to come out of the show and ask me some of your listener questions. It's the first time you'll hear her voice on the show. But more importantly, get my answers to your investing questions. If you'd like your question answered on a listener questions episode down the road, as always, you can write into us at get rich education.com/contact, that's get rich education.com/contact, until next week, I'm your HOST. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:02   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  41:30   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Special Patreon Release: Teaching our Children about Finances with Markie Castle   1 Timothy 6:6-10 (NIV) "But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."   *Transcription Below*   Markie Castle is a wife of 41 years, mother of 3 and is blessed with 7 grandchildren. After teaching at ICC for 20 years, she retired to help take care of all those blessings! Her husband Bob and she have been living in Peoria and attending Bethany Baptist Church for 24 years.  She has been coaching on finances and families for over 30 years.   Questions and Topics We Discuss: What is one key to managing our personal relationship with finances? What have been the most unexpected benefits of coaching your sons on wise financial stewardship? How did you teach your children to allocate percentages their money?   Thank You to Our Sponsors: WinShape Marriage   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:10 - 1:20) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.   I'm thrilled to introduce you to our sponsor, WinShape Marriage. Their weekend marriage retreats will strengthen your marriage while you enjoy the gorgeous setting, delicious food, and quality time with your spouse. To find out more, visit them online at winshapemarriage.org/savvy.   I first met Markie Castle through a local mom's group that was gathering at a church, and she was the speaker.   I was drawn to her sense of humor, her storytelling, and her wise practices. Her practical applications that she's going to explain near the end of this episode are practices that my husband Mark and I plan to implement beginning today. I'm so excited to share all of that with each of us listening now.   Here's our chat. Welcome to The Savvy Sauce, Markie.   Markie Castle: (1:21 - 1:22) It's a pleasure to be here.   Laura Dugger: (1:22 - 1:34) Well, will you just start us off by sharing more about your family and, specifically, the parenting piece that you say you got right by intentionally focusing on it?   Markie Castle: (1:35 - 4:13) I'd love to. I am incredibly blessed to be married to my husband, Bob, and we had three children that blessed us with wonderful wives and grandchildren. My husband and I started our marriage with him in school and me on a beginning teaching salary.   Today's dollars, it would be worth about $38,000. The two of us were living on $38,000 a year with him in school at the U of I and paying significant tuition. We were paying the tuition as well as supporting ourselves on that salary.   We were blessed to have a son three years later and then another son two years after that. My husband was holding a two-year-old and a two-week-old in his cap and gown. I remember showing our three sons' pictures of us saying, don't do this.   We supported ourselves entirely. We also did not see that we were in dire straits. We made my salary work by living in small apartments.   With one landlord, we made an agreement with him that we would do extra work around the property for a deduction in rent. We just made it work. We never saw any of this as a negative.   We also did not see that putting purchases on a credit card that we could not pay off at the end of the month as an option. We were happy where we were at and we loved it. My husband got a job and we moved out of the area.   We were at the time in Champaign-Urbana area. We moved to the Peoria area. We had a third son, which gave us three children in four years.   We still saw the need to keep our budget under control. Our meals were determined by what was on sale, what we had coupons for. Clothes were only bought on sale or from consignment shops.   Again, we never saw credit card debt as an option. If we didn't have the money, we didn't buy it. We wanted to raise our children to have a respect for money and to have an awareness of contentment.   We also wanted to have them experience the joy of having money to give away. This is what helped us. This is how we felt and we wanted to share that with our sons.   Laura Dugger: (4:14 - 4:37) I love that and I can just imagine all of the character building that comes out of really seeking to be wise stewards of what the Lord's entrusted to you. I'm wondering if you had some guiding scriptures on this topic of finances that really gave you insight into godly wisdom rather than the worldly kind.   Markie Castle: (4:38 - 9:05) As we know, besides love, money is written more in the Bible than anything else. It is so wise to go to the Bible for this. Luke 14:28 is such a good verse for a base.   It says, “Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?” This is stating that we should budget our money and plan before we build a tower or buy a car or even buy a new blouse that you may want.   Another verse, 1Timothy 6:6-10 speaks to another extremely important part of leading a God-centered life, being content. It states, “But godliness with contentment is great gain for we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is the root of all kinds of evil. Some people eager for money have wandered from the faith and pierced themselves with many griefs.”   It reminds us of where our minds should be. We have heard many talks on finances, budgeting, etc. Very little time, if any, is spent on being content.   Even in the Christian financial counseling speakers, they do not spend time on this. Not only is it scriptural, it is something that makes budgeting and spending so much easier. If you are content, you don't feel that need to spend and let alone overspend.   It just makes budgeting so much easier. Matthew 6:24 is very blunt to the point. It says, “No one can serve two masters. Either you will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”   It's not just what you have in your bank account. It's are we serving the Lord or are we serving money by needing a bigger house or whatever. Serving money over God can mean so many things. It can mean making secret purchases that you are hiding from your spouse.   I had a friend who used to have her sister buy her shoes that she wanted. And then she would bring them into the house without her husband knowing. But she had her sister buy it so her husband didn't see it on the credit card.   Or it can mean buying a brand-new car you can't afford and you go into debt for it. There is scripture that addresses this also in Romans 13:8 states, “Owe no one anything except to love each other.” And Proverbs 22:7 states, “The borrower is the slave of the lender.”   This is not to say a person should never have a loan. We needed a loan for our house. It was a smart move because we would have just paid rent forever.   But we needed a house and at the time we didn't have money for a house. Especially since my husband just got out of school. But when we were going looking at houses, the realtor said, “But you can afford this.”   And it was a much bigger house than we needed. And we said, “No, we don't need this.” “Yes, but you can get this.”   “Yes, I know, but this one's just fine.” We bought a house that we were able to pay off quickly. And we were very happy with it.   Laura Dugger: (9:07 - 9:30) I love hearing how you've applied scripture to your own lives, because really the ones that you shared, those are so practical and actionable. And we didn't even scratch the surface of all, like you said, that the Bible has to speak about money. But if you kind of had to boil it down, what would you say is one key to managing our personal relationship with finances?   Markie Castle: (9:30 - 13:58) I truly, truly believe that being content is truly key. It's so easy to become frustrated and discouraged with what you have. And many, many people watch HGTV.   And I personally love it. There are times that I cannot watch HGTV because I start wanting this or wanting that. When I watch it, it makes me start thinking if I only had a bigger kitchen or buying new furniture would transform this room.   All of these things can distract us into thinking about all the things I don't have, rather than seeing the things I do have. It can be a very dark road. But there's ways of overcoming that too.   I love for people to write down things that you do have, especially the important things like your family, your friends, your church community. Those are the things that are far more important than a bigger kitchen. I know for me, our house, when I moved into our house, I didn't even see our house when we purchased it because we thought we'd only be here three to four years max.   So, I figured three to four years, I don't need to see a house. I wanted it in a certain area and I needed four bedrooms for all of us. And that was about it.   Well, I knew I'd be here three to four years. And I think we're coming up to 25 years in August of being here. God had other plans for us.   And that was it. The kitchen is not what I would have chosen. It's rather small.   And do you know when I get most frustrated is when our family is over and we have 20 people and they're all in the kitchen. And I've got all these grandkids running around getting in the way. And I get frustrated over the smaller kitchen.   Think about it. I have my family here making memories. It's wonderful.   I'll take a small kitchen with all my family before I take a big kitchen without them. It was interesting. I taught at ICC.   And I walked into class one time and all the students were talking about how little they had, how poor they were. And I just listened to them for a while. And they were saying they didn't have any money.   And I said, “I don't mean to brag, but I am really, really wealthy.” And they looked and they said, “Really?” And I said, “Yeah, really wealthy.”   And he said, “Must be nice.” I said, “Yeah, it really is.” I said, “Do you realize that my husband and I, we have two cars?”   And they kind of looked at me and they said, “Yeah.” I said, “No, no, no, no. Do you understand that when I walk into my house, I have heat in the winter?   And, and air conditioning in the summer.” And they kind of looked at me and go, “Yeah.” And I said, “And I can go to this faucet and I can turn this handle and fresh water comes out.”   They all looked and said, “Yeah.” And I said, “That is how wealthy I am.” And they all kind of looked and they said, “We get it.”   And we are very wealthy in this country. We are very wealthy. See, having what you have could be seen as extremely wealthy in many countries.   Even when it's their norm. But with war-torn countries, it's even worse. It's just all about perspective.   Laura Dugger: (13:58 - 14:10) Well, I think you're highlighting the keys to contentment. It's all about perspective and also gratitude. How would you define stewardship?   Markie Castle: (14:11 - 14:19) I would just say it's taking great care of what God has given us and using it for his glory.   Laura Dugger: (14:19 - 14:27) Well, and what has been the most unexpected benefit of coaching your sons on wise financial stewardship?   Markie Castle: (14:28 - 17:52) That is such a great question. I would say the independence that they had as teenagers and adults. It was incredible to see how they were independent with money and other ways because of it.   Each son also married women who were financially aware. We never really talked about that. When our children got married, we had one stipulation that they married a believer for us to bless the marriage.   But it was amazing that they all married women who were financially conservative. We have never had any trouble or issues with any of our children with money. I know that some people will say, you never lend relatives money, you give it to them because you know you'll never get it back.   Well, we have lent our kids money for certain predicaments when they first started off and they started paying us back immediately. There's a lot of talk about whether you should let your children move back into your house. Now, I know people have said, “Nope, once my kids are gone, they're gone.”   And I don't think that's very loving. I think that anybody is allowed back, you know, if they need to come back and live with us, even if it's somebody in our church family, they would be welcomed. All three of our boys at some point came back to live with us for a while for different reasons.   And we actually charged them rent. And they were very good with that. In fact, they liked it because then they weren't freeloading.   Now, they didn't know it at the time, but we took their rent and put it away and kept it separately. And then when they moved out, they had a nice little sum there that they could use for a down payment for their house or for moving costs or whatever. I think it's important to watch your children grow, to give them.   And these are the things that we have seen that we didn't expect. All of our boys are very financially secure. And they only have mortgage debt, which they are all paying off quicker than what was scheduled.   And this is just a mindset. They are not suffering because they don't have the new car. In fact, our one son and his wife, they bought our old van 10 years ago, and they still have it.   They're at 195,000 miles on the car. Now, I think she wears this like a badge of honor. She's going to make it to 200,000.   They have been putting money away for a new car. They have enough money to buy a new car, but they're going to wait until they need it. And when they need it, they're going to be able to go in and say, here is the money for the car.   I don't need a loan. Those are the things that kind of surprised me.   Laura Dugger: (17:53 - 17:58) I think oftentimes there's a lot of joy when we have limits.   Markie Castle: (17:59 - 18:04) Exactly. I agree with you. It does give you joy to know that you have that freedom.   Laura Dugger: (18:06 - 18:22) Well, and we've spoken kind of about big picture, and I'd love to move in the funnel now down to actionable and practical. So, when you look back, how old were your children when you and Bob began training them on finances?   Markie Castle: (18:24 - 19:08) Truly, as soon as our children understood the meaning of money, we started. We started our oldest son when he was five years old by giving him allowance. The others started when they were four because they saw what was happening with the older child.   And I know a lot of people relate to this and they wanted to be a part of it. You know, your younger ones sometimes learn faster because of the older ones. It was important to start when they were wanting things at the stores, whether it was toys or candy at the checkout aisle, etc.   They needed an awareness that everything costs money and they couldn't have everything.   Laura Dugger: (19:09 - 19:32) Well, and I remember you coming to speak to our mom's group one time. And even if somebody is wondering, well, how do I keep this fair between children? You even had a solution for that because with your kids at the different ages, I remember you saying you started them with one dollar per year old they were per week.   So, the four-year-old only made four dollars for the five-year-old made five.   Markie Castle: (19:33 - 21:21) That's right. Well, and it's funny you say about the fairness. Even when our children, so we had three boys, they were all two years apart, so they were really involved with one another.   They were great friends. But I remember going to my husband's mom was watching our children when we ran to get something to do a few errands. And we came back with a pair of shoes that our oldest child needed.   And she looked at us and said she didn't get anything for the other boys. And I said, but they didn't need new shoes and they don't need anything. And she goes, but you can't bring something in for one child without bringing in something for the others.   And I reiterated, but they didn't need anything. And do you know what? Our boys, we never thought anything of that.   Our boys have never said, well, why didn't I get anything? And if they did, we'd say, “Well, you didn't need this or you didn't need that.” Our children never counted what the other ones have.   Now saying that when it came to the birthdays, we gave the same monetary value to all of them when it came to Christmas, when it came to things. But when it really came to that, one son needed a pair of shoes, but the others didn't. We didn't go out and get shoes for all of them.   And they just were raised with that. And to this day, they all know that it all comes out fairly in the end. You know, we don't bring home things just for one, the same child every time.   Does that make sense?   Laura Dugger: (21:21 - 21:32) Yeah, absolutely. And I appreciate that perspective. I'm also curious, were there any other memorable phrases you and your husband taught your children?   Markie Castle: (21:33 - 26:37) You know, there were many. One of the things we had said to them was we can afford anything. But we can't afford everything.   So, we would impress upon them how fortunate we were to afford things. But we certainly can't afford everything. We had friends who would never purchase soda and we did the same thing.   But they really like to travel and the kids like to travel. And so, they wouldn't buy a soda in a restaurant or buy a snack at the mall because they wanted to travel. And they would ask their kids, you know, would you rather purchase a soda or snack now or enjoy the soda or snack in Europe?   And it made the kids think. OK, so again, this is all in what you choose. I was listening to someone at a talk and actually at a moment at our church that said, “You know, what could you save if you didn't get your daily latte from Starbucks?”   And I'm thinking, OK, and his point was at six dollars per drink. You could say. And I figured this out, two thousand one hundred and eighty-four dollars per year.   After two years, you could have enough money to go to Hawaii. Now, that's great. This particular person loves to travel and he doesn't like coffee.   So, to him, it was a no brainer. But if someone doesn't like to travel. But enjoys that daily vacation of going to Starbucks.   This may be the one they would choose. So, we're all different in what we like and what we want. But.   The important thing is, is that you're not adding this to a debt that you're paying 24 percent interest because that six dollar cup of coffee is actually going to cost you much more than the six dollars. Also, I was teaching a group of nearly married couples about finances and. Someone brought up that they can't afford a date night.   I mean, after babysitting, after dinner at the restaurant, etc. they can't afford that. And babysitting nowadays is ridiculously expensive. And another couple said that they have date nights every other week.   What they do is they trade off with another couple for babysitting and they pack a dinner and go on a picnic. So, basically, their date night costs them nothing. Not being able to afford an expensive dinner for a date night.   That puts you in a mindset that you're doing without. Instead, look at what you have. You know, taking a hike.   Visiting a museum on a free day. Getting a membership to places that you could then feel like you're going for free. Walking along the river.   All of these are wonderful ways to have a date night. My husband and I would have a date night in our home. We would feed the boys their favorite chicken nuggets and macaroni and cheese.   And we put them to bed. We would then, I would get out and have tablecloth and have candlelight. And we would have a quiet adult meal by candlelight.   It was a wonderful date night. And it cost us nothing. Now, where we were, we could not afford babysitting.   And we did not have people who could babysit. We didn't have a community that we could share babysitting. We did find that as the kids got older.   And we utilized that, which was wonderful. We used to share a Friday night with a family. This is when the kids were a little older.   And we would switch with them. Every other Friday night, we would switch kids. We would take their kids for one of the Fridays.   And then two weeks later, they would take our kids. And they took them overnight. So, we had, you know, Friday evening and Saturday morning.   And it cost us nothing. And the joy of that was when we took their kids, it was a blast. Because we always planned on doing extra special things.   Because it was like one big party. It worked very well. And we were able to have free babysitting just because we exchanged.   As opposed to paying for a babysitter.   Laura Dugger: (26:38 - 29:02) And I love the creativity. How you problem solved that to still go for your date night. Because that was a value.   And I think you're empowering all of us that these options are possible. And we do have a choice in this situation. And then also the reality that we're going to operate within the reality of trade-offs.   And now a brief message from our sponsor.   Friends, I'm excited to share with you today's sponsor, WinShape Marriage. Do you feel like you need a weekend away with your spouse?   And a chance to grow in your relationship together at the same time? WinShape Marriage is a fantastic ministry that provides weekend marriage retreats to help couples grow closer together in every season and stage of life. 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To find an experience that's right for you and your spouse, head to their website, winshapemarriage.org/savvy. That's W-I-N-S-H-A-P-E marriage dot org slash savvy, S-A-V-V-Y. Thanks for your sponsorship.   And as you and Bob continued to train your children with finances, how did you see this play out with each of their different personalities?   Markie Castle: (29:04 - 32:55) Although we raised our boys within the same manner, we were blessed with three totally different children. Totally. When it came to money, one was a saver, one was a spender, and one was a minimalist.   And although they all were different, they all needed the structure of financial awareness. So, our eldest wanted to save every dime that he was given. And you know what?   He's still that way. He wants to save, save, save, save, save. Our middle child would spend every dime that he would receive.   It would not be in his pocket for more than a couple of minutes. Then our youngest child didn't care about buying anything, which was very different from the saver. He was just a minimalist.   I don't need anything. It just doesn't matter. And he is still that way.   So, our spender needed to learn the importance of budgeting and saving. They all needed to learn it, but it was extremely important for him. And he did learn.   When he was about 10 or 11, he lost some money for not doing certain chores. And he looked at us and said, the only reason you had children was to make money. My husband and I were literally speechless.   We kind of just looked at him and we didn't know what to say. And then he just looked at us after a couple of moments and he said, that's the stupidest thing I've ever said. And yep, we all had a good laugh.   He did learn to budget and it was interesting. So, when he was in high school and starting to date, he took this girl that he wound up dating for several years. And he was going to go to the movies and he was a gentleman.   He was absolutely a gentleman. And they walked into the movies and he paid for the movies because that's what you do. And then as they were walking past the concession stand, he said, “Well, do you want popcorn?”   And she said, “Oh, that'd be nice.” And he said, “Okay, well, you're going to need to get it yourself. I'm not paying those prices.”   And she was kind of, ”Okay.” Now we needed to teach him a little bit more about dating with that. But it was like he paid for the movies.   He wasn't going to pay $10 for a box of popcorn. So, he had learned the value of money. When you can get into the movie for less money than a box of popcorn, there's something to be thought about that.   I am happy to say that while he did not marry her, but I'm happy to say that he did marry someone and he learned to budget. And she is all about budget, budget, budget. But that also means that they are able to enjoy, enjoy, enjoy.   I think budget gets a really bad name because you think that means that you can't buy things if you budget. And I see it as the exact opposite. If I budget $50 for entertainment, for the month, for the week, for whatever, you can enjoy having that entertainment because that's money that is free and clear for you to use.   Laura Dugger: (32:56 - 33:14) Yeah, I'm with you on that too, because I do think that self-control that really is a fruit of the spirit, but that discipline and self-control leads to freedom eventually. And so, again, those limits provide joy and freedom, which is counterintuitive, but the Lord's economy.   Markie Castle: (33:14 - 33:34) That's right. But once you do it, you realize, and we have seen this happen, that they go, “Oh, I feel better about going to the movies because it's already been planned, which goes back to when you build a tower, you should plan that.”   Laura Dugger: (33:35 - 33:43) You've mentioned that you did offer an allowance. So, what were your allowance or commission guidelines?   Markie Castle: (33:44 - 35:58) So, there's many trains of thought with this. We felt that there were certain chores that needed to be done as part of the household. So, making your bed, setting the table, helping with dinner, cleaning up the dishes, sweeping the floor.   Obviously, our children were expected to do more as they got older. I would give them opportunities, though, to do over and beyond, and then they could make extra money. So, there were certain expectations on a daily basis, and that was part of being part of the household, being part of the family.   But to go over and beyond would give us the time. Now, I do know some people pay for everything that they do, and I understand where they're coming from with that, but then they may choose not to make their bed or choose not to set the table because they don't want the money, but then other people need the table to be set. So, that can cause issues, too.   We never, when it came to grades, I know that's something that's talked about, we never paid for certain grades in school. We did allow them, you know, at the time it was, well, if you get this many A's, you can get a pizza or something, you know, from Pizza Hut or something. We would do that, but we never paid for specific grades for our kids.   There was an expectation that they would do well, not for the money. But we would all go out and celebrate when they all had good report cards. So, I know that there's different trains of thought with that.   You know, there are some others who will put a price on certain chores and have the allowance reflect that money they made. Our boys received their allowance, but there were times that we charged them when we needed to do their chore, like pick up their clothes in the bathroom after they've been asked to do so. So, if we did something, we kind of charged them for it.   And that's when our son said, well, you just had children to make money.   Laura Dugger: (35:59 - 37:14) Guess what? We are no longer an audio only podcast. We now have video included as well.   If you want to view the conversation each week, make sure you watch our videos. We're on YouTube and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com.   With our family, our daughters currently are nine, eight, six, and four. And so, they have the understanding of give, save, spend. But just this summer, our sweet and very generous neighbor, Jillian, James and Jillian, have hired our oldest two, Sayla and Shiloh, to water their plants while they're traveling. And so, this is their first paid job opportunity.   And so, my plan with my husband is to train our girls with this podcast. And there's a question I want to ask you next that I believe will even guide us with our conversation and how to train them. So, when your children were earning money or making this allowance, even from a young age, how did you teach them to split their money?   Markie Castle: (37:16 - 42:21) So, we set up our allowance that they were given one-dollar times their age, which you had alluded to early on. So, each week, a five-year-old would get five dollars a week, which sounds like a lot, right? Or a ten-year-old would get ten dollars.   And that sounds awesome, right? But it was broken down. So, we first would take ten percent which goes to charity.   We wanted to teach the children about tithing. And that was the first. The next, we had ten percent that was taken for taxes.   And we used that for family fun night, which made those nights special to them. Now, what they learned from having their taxes taken, when they went to get their first job, like when they were 16 or 17, and our oldest son got a job at the Zoli's when it was there. And he was not in shock when he was given his paycheck and taxes were taken out.   He understood that. All his other friends were complaining about them taking it. But our children knew there were taxes, and taxes went for the good of the community.   We also took ten percent for retirement. And that was just good habits to form. We kept it.   We kept account of how much it was. And when they got out of college, we gave them their retirement. Wow.   Now in their 30s, they have a financial guy and he is shocked at how set our children are for the future. Then 20 percent went to college. Once again, this was kind of a mindset.   Now, if you don't think your children are going to go to college, I would still recommend at least going to community college or a trade or whatever. We saved this and gave it to them to put towards their expenses when they went to college. So, we literally gave them their money and said, this is what you have saved over all these years.   Now you have 50 percent left. So, 25 percent went to savings. And they had to put this in a separate category, and they needed to buy something with it that was $25 or more.   We wanted them to learn how to save up for that special whatever they wanted. They could spend that on whatever. So, that would make for a five-year-old, fifty cents went to church, fifty cents for taxes, fifty cents for retirement, a dollar for college, a dollar twenty-five for savings.   And what they got at the end, they got a dollar twenty-five for the week, which is a good amount for a five-year-old. But let me just say, when I say so they can spend it, if you're the parent, it is okay to say no to what they are purchasing. Our middle son at a point, now he was older, but he wanted to get 10 piercings in one ear.   We didn't think this was a wise decision, not all at the same time. He respectfully stated that he was old enough that he didn't need our permission and that he could pay for it. Now, mind you, he was living with us at the time, but he said he didn't need our permission.   And he said it respectfully. We did tell him no, and that as long as he was living with us, reaping the benefits of our house, utilities, food, vacations, he still needs to abide by our parental decisions. And you know what?   It wasn't an issue. He said, okay. And when he was on his own, you know what?   He had become wiser over those couple of years and he didn't do it. So, it's okay to say no to some things. And saying that, doing this allowance, it makes going places so much nicer.   I never said no to my kids. And it was funny because when we talk about moms' groups or whatever, I said, “Oh, I never tell my children no. They can have, you know, what they asked me for things, I never tell them no.”   And they go, “Really?” And I said, “Yeah.” I'd say, “Do you have the money for it?”   Oh, okay. And then it wasn't me saying no. They needed to make that decision.   This sounds so negative and it truly is not. Our boys took great pride in paying for their own things. I mean, they used discernment in their choices.   And they took great care of those toys that they bought. There was a sense of ownership and responsibility to it. This was not negative.   It was truly positive and taught them much more than just about money.   Laura Dugger: (42:22 - 42:41) Well, and it's such a great real-world experience. I've never heard someone teach like this before, where you broke it down so specifically. But really, it reflected how they would handle money as adults.   And so, I think it's brilliant. And I'm wondering if you have any other practical recommendations that we haven't covered yet.   Markie Castle: (42:43 - 45:07) I would give a few. So, in their allowance, I put the cash in clear containers labeled so that they could see what they had. When they were older, we moved it to paper because I wanted them to be taught about how banks work.   Another couple of things. We never had issues going through candy aisles or going to events. We would pay for the tickets.   If they wanted to buy a snack like at Six Flags or something, they could. But they'd have to use their own money. Now, we're not cruel.   We would buy lunch for them. But if they wanted that $10 soft pretzel, they needed to buy it. Another thing, if they received money for a birthday gift, we felt that that was all theirs to spend.   Because to me, that gift, you know, if they were given a toy, we wouldn't split that toy up and give 10% to charity. So, they could keep all the money and go and buy what they wanted. One other thing, and some people may find this controversial, but I would suggest getting a credit card for your children as soon as you can while they are living with you.   And then you can give them the guidance that they need. Our son learned from an early age that you only charge items that you know you will be able to pay off at the end of the month. A debit card is good too, that they need to have that money in there.   But we liked setting the habit of paying off the credit card every month. A debit card would say, you can't slide this card unless you have that money in the bank. Either way, I would highly recommend you get your children something so you can give them the guidance of how to use it.   We knew people who wouldn't allow their children to date until they were 18. And my thought was, I don't want to give my children the go ahead to date when they go off to college. I wanted to be able to guide them.   So, we said, when you're 16, you can date. And then we were able to guide them and teach them along the way.   Laura Dugger: (45:08 - 45:14) That's so good. And can you think of anything else that you want to make sure we don't overlook today?   Markie Castle: (45:15 - 45:51) After counseling and mentoring many couples who have asked us for help, I realized that financial difficulties and marriage issues go hand in hand. That puts a stress in a marriage that comes out in other ways. If someone is having financial issues, you need to get help.   I would also say to teach your children so they are raised with a God-honoring respect for money. 1 Timothy 6:10 doesn't state that money is the root of all evil. It states that “the love of money is the root of all evil.”   Laura Dugger: (45:52 - 45:59) Well, I love all of the practical tips you've shared. And do you have any other favorite stories that come to mind?   Markie Castle: (46:00 - 48:23) One that is particularly close to me is we had very, very close friends who actually my husband worked under him for many years. But we were very close. And in fact, we moved together and with my husband's job and very close.   He was an exec, a cat, very high up. And making more money was the most important thing. Climbing that corporate ladder.   And suddenly he just realized how unhappy he was. He also put his children at bay because he worked so much. He needed to have the better cars, the better house, the better everything.   And one evening, there's a knock at the door. We weren't expecting him. And they were just standing there.   And he just said, “Can we talk?” And he came in and he looked at us and said, “When is enough??” And he had tears in his eyes.   And he knew that money was driving him at the cost of his marriage, although they were still together, but at the cost of the relationship with his children. And he said, “When is enough? And we talked to him.   We again shared the gospel, which we had shared before. And when you have Christ in your life, for me, that's enough. That's all I need is Christ.   He turned his life over to the Lord. He became a believer. He quit his job, which he had planned on.   And financially, he was great. And what he does now, he does a lot of mission work. He goes to different places that have been hit by a tornado.   And he's with the group that goes all over taking care of other people. And he is far, far wealthier than he ever was.   Laura Dugger: (48:24 - 48:48) Wow, Markie, that is so powerful. And what an incredible story to start to close our time together with. But I still have one final question for you, because our podcast is called The Savvy Sauce, because savvy is synonymous with practical knowledge or discernment.   And so, this is my final question for you today. What is your savvy sauce?   Markie Castle: (48:49 - 49:28) I would say beware of giving your children everything they want. And everything you think they need. Wanting is a great lesson to learn.   And as we've been told in the Bible, patience is a virtue. Having children earning their own money and spending it teaches them independence and develops them to be adults who are secure with the choices they have learned to make. This is far more than just teaching them about money.   Much more is developed within them.   Laura Dugger: (49:28 - 50:00) That is so good. And truly, Markie, this conversation, I can't wait to share it with all of our girls, with Isla and Kessler, too, being even just six and four. I think you have so many helpful practical takeaways.   And you're such a gifted teacher. So, it's been a joy to learn from you during this time. So, thank you, not only for applying scriptures to the way you interact with finances, but thank you for also sharing those applications with us today.   And thank you for being my guest.   Markie Castle: (50:01 - 50:10) Laura, it's truly been my pleasure. I appreciate you and I appreciate how God-centered you are and with this podcast.   Laura Dugger: (50:11 - 53:29) Wow, thank you so much. That encouragement means a lot. One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death and we can never pay back the sacrifice we owe to be saved.   We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin.   This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.”   So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you.   Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray.   Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him.   And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started.   First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

Kolaiah "Fuzzy" Jardine is the co-founder of HUI Mastermind, where he empowers Native Hawaiians and local residents to build generational wealth the Pono Way—with integrity, balance, and community at the core. Growing up with limited opportunities, Fuzzy was determined to change his story and discovered real estate investing as his path to freedom and legacy. Through perseverance and purpose, he built a multi-million dollar portfolio, including over 100 affordable homes and a $6 million rental portfolio, becoming a leading voice in ethical investing across Hawaii. His approach centers on using Other People's Money and Time (OPM/OPT) to make wealth-building accessible for everyday people. Fuzzy's signature HUI Framework simplifies complex real estate strategies, guiding aspiring investors to succeed in Hawaii's challenging market without compromising their values. Through HUI Mastermind, he continues to inspire others to reclaim ownership in their homeland, create sustainable wealth, and live the Pono Way. During the show we discussed: Start investing in Hawaii real estate, even with little capital. Use OPM/OPT to build wealth faster in Hawaii's market. Avoid common mistakes new investors make. Spot profitable deals in Hawaii's competitive market. Turn savings, equity, or ideas into steady cash flow. Build generational wealth for your 'ohana. Invest "the Pono Way" for lasting success. Create community impact through real estate. Develop a winning mindset for investing success. Grow faster with a mastermind community. Learn directly from successful local investors. Turn knowledge into results through hands-on events. Access expert support at the HUI Mastermind Academy. Scale from one property to a multi-million portfolio. Balance profit, purpose, and community while growing. Resources: https://huimastermind.com https://www.fuzzyjardine.com

University of Hawaii football head coach Timmy Chang was the guest on this week's “Hawaii Football Final” as the Rainbow Warriors entered a bye week fresh off clinching bowl eligibility.The Hawaii Sports 2Night production, hosted by Rob DeMello, premiered Sunday on the KHON+ app, with a television rebroadcast set for Tuesday at 9:30 p.m. on KHON2. Chang joined the program a week after Hawaii's 31-19 win at Colorado State, a road victory that lifted UH to 6–2 overall and 3–1 in the Mountain West.In the episode, Chang reflected on inheriting the program during a mass roster exit that forced him to replace 53 players in his first year, and how in his fourth season the Warriors now find themselves postseason-bound. The former standout QB for the Warriors discussed the evolution of his staff and roster, the locker room culture, and what it has taken to move closer re-establishing Hawaii football as a nationally relevant program.Chang also fielded viewer questions in the “Hawaii Football Final Mailbox” segment.“Hawaii Football Final” streams every Sunday at 7 p.m. on KHON+ (Apple TV, Roku and Fire TV).

Laurel Tamayo, Producer of Lahaina Rising documentary about the Lahaina fire shares personal insights about the fire and film.

This week, we're chatting with an amazing human about amazing stuff. Okay, fine, every week we talk with amazing humans about amazing stuff, but this episode is a great one. Rebecca visits with Ashley Geigle, Economic Development Director for Murdo, South Dakota, about how she built a brand-new role from scratch. (Like, from scratch, like growing and milling the wheat for the flour level of scratch, not box mix scratch.) Ashley talks about learning through challenges, building trust, and finding beauty in small progress. She, like Justin Neppl, has reimagined what economic development looks like for her community and understands the importance of partners (like our beloved Dakota Resources!) for making things happen. Ashley proves that revitalization starts with relationships, persistence, and visible hope—even if it's just hanging garland on an empty building (Who doesn't love garland, though, really?) About Ashley: Ashley grew up in Murdo, attended SDSU for Hospitality and Hotel Management, spent a year in Hawaii, met her husband, had 4 babies, job hopped a few part-time positions, and began serving as Murdo's Economic Development Director in December 2020 with a clear goal: to help bring new business to town and revitalize Main Street. Since then, her organization has invested in critical training and development to elevate its impact across the community and region. The journey hasn't been without challenges, but through hard work, dedication, and a commitment to growth, they've continued moving forward. Ashley is especially grateful for the strong partnership with Dakota Resources, whose support has been instrumental through both the successes and the learning moments. When she's not doing economic development, Ashley enjoys traveling with her husband to meet up with friends wherever that might be, sitting on their deck with a cup of coffee in hand, or learning more about holistic wellness. She doesn't know what else to add in here—if you want something specific, shoot her a message

How Much Should You Budget Per Person for Food in Hawaii If you've started planning your trip and wondering what your Hawaiʻi food budget per day might look like, you're not alone. The cost of eating in paradise can surprise visitors, especially when you start adding up your morning coffee, plate lunches, and oceanfront dinners. Understanding your daily… The post Your Realistic Hawaii Food Budget: How Much You'll Spend Each Day appeared first on Hawaii Aloha Travel.

Amanda and her family of four flew halfway around the world in December 2024 to spend Christmas with her in-laws on the island of Java, relaxed in Bali at the Hyatt Regency Bali (booked with points!) and ended the trip by exploring the kid-friendly side of Singapore!This episode is now available to watch on YouTube: https://www.youtube.com/@kelseygravesIf you'd like to share about your trip on the podcast, email me at: kelsey@triptalespodcast.comBuy Me A Coffee: https://buymeacoffee.com/kelseygravesFollow me on Instagram: https://www.instagram.com/kelsey_gravesFollow me on TikTok: https://www.tiktok.com/@mskelseygravesJoin us in the Trip Tales Podcast Community Facebook Group: https://www.facebook.com/groups/1323687329158879Mentioned in this episode:- Earn 125,000 points with Sapphire Reserve or 75,000 points with Sapphire Preferred -> Chase Sapphire & Ink Business Credit Card Referral Link- BubbleBum Inflatable Booster Seat, Kids Airplane Seat Extender, Double-Zip Compression Packing Cubes- San Francisco: SFO Airport, Grand Hyatt SFO, Fisherman's Wharf, Boudin Bakery, Golden Gate Bridge, Ghirardelli Square- Java: Becak ride- Bali: Denpasar airport, Hyatt Regency Bali, pools, spa, beach, kids club- Singapore: Singapore Flyer, Marina Bay, Gardens of the BayTrip Tales is a travel podcast sharing real vacation stories and trip itineraries for family travel, couples getaways, cruises, and all-inclusive resorts. Popular episodes feature destinations like Marco Island Florida, Costa Rica with kids, Disney Cruise Line, Disney Aulani in Hawaii, Beaches Turks & Caicos, Park City ski trips, Aruba, Italy, Ireland, Portugal's Azores, New York City, Alaska cruises, and U.S. National Parks. Listeners get real travel tips, itinerary recommendations, hotel reviews, restaurant recommendations, and inspiration for planning their next vacation, especially when traveling with kids.

The Supreme Court has taken a record number of Second Amendment cases this term. Sure, that number is only two. But that's still a major development for a Court that's taken fewer than ten Second Amendment cases in its entire history. One of those chosen few cases is now Wolford v. Lopez, a challenge to Hawaii requiring licensed gun carriers to get explicit permission before entering publicly accessible private property--including stores or restaurants. Alan Beck is the gun-rights lawyer behind that suit. He'll be arguing it at the Supreme Court. And he's the guest on this week's show. Beck explains how Hawaii's law swaps the default presumption from one where gun carriers are generally allowed to carry into one where they aren't. He claimed the change has made it nearly impossible to legally carry in public. He then outlined his plan for convincing the justices that the law is out of line with the historical tradition of gun regulation in America, as the Court's current Second Amendment test requires. Special Guest: Alan Beck.

In this inspiring episode, Junior shares the remarkable story of how his biggest blessings unfolded — starting with a critical decision to take the high road at a former radio station. That single choice led him to a new opportunity that would change everything.Junior recounts the moment he was asked to fill in for another radio personality for just one week, and how, by the third day, he received an inspired thought:“Sing like your life depends on it. This is it. The door is opening!”And they did. That one inspired moment opened the door to a career that has spanned over 25 years — and made his name an international brand.He also shares how his creativity and bold thinking revolutionized concert advertising in Hawaii, shifting the entire industry from basic black-and-white posters to vibrant color — all because he trusted his vision and took action. His story proves that when you follow inspired thought and listen to your inner guidance, doors open that no one else can see.The powerful lesson:Never give up. You have something valuable to offer. Stay the course and let God handle the “how.”Because the “how” is always God's job.If you'd like to work with Junior, visit www.hereforyoulifecoaching.com or email him at junior@hereforyoulifecoaching.com.Here For You Life Coaching is a Voicemaster Enterprises LLC company. © 2025 All rights reserved.

Gordon Zane with the Hawaiʻi Department of Taxation discusses vacation rental regulations; Kimberlee Bassford talks about the dark turn her new documentary "Before the Moon Falls" took when its subject, Samoan writer Sia Figiel, was arrested for murder

The bodies of two 18-year-old fishermen were pulled from the waters off northwest Oahu this weekend. A Hilo officer is recovering after being hit on the side of a roadway. Hear what she was doing at the time of the accident.The holiday travel season is fast approaching- but many Americans are worried about the cost. See omnystudio.com/listener for privacy information.

With the federal government shutdown now in its fourth week, the pain is becoming real for many Americans. The Hawaii Foodbank is launching new food distributions across Oahu, trying to reach families, federal employees, and even military households affected by the shutdown. And authorities confirm two young fishermen have died after they were found unresponsive in West Oahu waters on Saturday. See omnystudio.com/listener for privacy information.

Nicki gets married, while Drew's caught a Bug. Discussion includes childhood prank calls, the downsides of getting married on a boat, and Little Hug Juice Fruit Barrels. What happens in Hawaii, stays in Hawaii. Episodes: "Nicki's Wedding" (S4E7) & "Drew's New Car" (S4E8) http://youtube.com/@clevelandrockspodcast http://instagram.com/clevelandrockspodcast Email us: clevelandrockspodcast@gmail.com

In this episode on KTUH 90.1 FM, I spoke with Noa of 17A Productions, the founder, event organizer, makeup artist, and creative force behind Hawaii's scariest haunted attraction — The Hawaii Haunted Plantation in Waipahu. Celebrating 20 years of real fear, this legendary haunt has been terrifying visitors and patrons for two decades with its chilling sets, eerie atmosphere, and unforgettable scares.Located at 94-695 Waipahu Street, Waipahu, Hawaii 96797, the Hawaii Haunted Plantation continues to deliver spine-tingling thrills every Halloween season. Tune in to hear how it all began, what goes into creating a true horror experience, and how Noa and his team have kept the screams alive for 20 years.Get your tickets and more info at HawaiiHauntedPlantation.com#HawaiiHauntedPlantation #HauntedHouse #KTUH #DJNocturna #Horror #Halloween #17AProductions #20YearsOfFear

There's a huge difference between how God judges believers and how He judges the world—and understanding this will completely change how you view God's discipline in your life.In this message from House Church in Kauai, Pastor Alex breaks down the difference between God's corrective discipline for His children and His final judgment on the world. Using the analogy of how a father corrects his own kids versus how he'd respond to strangers who hurt them, we explore what it really means when the Bible says there's “no condemnation for those in Christ Jesus.”If you've ever felt like God is angry at you, or if you've confused His discipline with condemnation, this message will bring clarity and peace.Key Topics:* The two types of judgment in Scripture* Why God disciplines believers (1 Corinthians 11:32)* Understanding “no condemnation” in Romans 8:1* How God's discipline proves His love, not His wrath* What it means to be His child versus facing His judgmentThis message will help you: ✓ Stop fearing God's anger as a believer ✓ Understand why hardship happens in your life ✓ See God's discipline as an act of love ✓ Know the difference between correction and condemnation

Jump in with Carlos Juico and Gavin Ruta on episode 258 of Jumpers Jump. This episode we discuss: Game 7 Blue jays game, Toronto vs LA war theory, Sports energy theory, Drake betting theory, Biggest baseball theories, MoistCritikal turns off donations, Dr.Phil turnabout ranch, Amish mom true crime, UFC picture true crime, Vancouver east hastings, Military schools vs discipline camps, Disney cruise snorkelling mystery, Hawaii tourism, Perspective on life, Doctors using AI, Doctors office funny story, Fibonnaci sequence theory, Idols on the internet, Falling asleep to music, Napping during the day, Knowledge in books, N64 in Mcdonald's and much more! -Sign up for a $1 per month trial at https://www.shopify.com/jumpers -Get the DraftKings Casino app and use code JUMPPOD and start playing  -Go to https://zbiotics.com/JUMPERS and use JUMPERS at checkout for 15% off any first time orders of ZBiotics probiotics Follow the podcast: @JumpersPodcast Follow Carlos: @CarlosJuico Follow Gavin: @GavinRutaa Check out the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/JumpersJumpYT⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if your business could make half a million dollars… while you were on vacation? In this episode, real estate entrepreneur Dean Rogers shares how he built a business that earned $500K in 32 days while he was completely unplugged, spending time with his family in Hawaii. Dean opens up about how he went from being tied to every part of his company to finally creating a self-sustaining, system-driven business that runs without him. Alongside Stratton Brown, the two dive deep into how entrepreneurs can scale their income and freedom simultaneously, breaking down the systems, leadership principles, and mindset shifts that separate high earners from high performers. Whether you're building your first business or looking to step away from day-to-day operations, this episode will teach you how to design your company for profit, freedom, and peace of mind.

There's a huge difference between how God judges believers and how He judges the world—and understanding this will completely change how you view God's discipline in your life.In this message from House Church in Kauai, Pastor Alex breaks down the difference between God's corrective discipline for His children and His final judgment on the world. Using the analogy of how a father corrects his own kids versus how he'd respond to strangers who hurt them, we explore what it really means when the Bible says there's “no condemnation for those in Christ Jesus.”If you've ever felt like God is angry at you, or if you've confused His discipline with condemnation, this message will bring clarity and peace.Key Topics:* The two types of judgment in Scripture* Why God disciplines believers (1 Corinthians 11:32)* Understanding “no condemnation” in Romans 8:1* How God's discipline proves His love, not His wrath* What it means to be His child versus facing His judgmentThis message will help you: ✓ Stop fearing God's anger as a believer ✓ Understand why hardship happens in your life ✓ See God's discipline as an act of love ✓ Know the difference between correction and condemnation

Why does the price of sashimi seem to go up around New Year's Eve? Why are there limits on certain fishing areas? Our guests for "Hawaii Matters" this week are Alex Min of the Pacific Island Fisheries Group and Joshua DeMello of Western Pacific Regional Fishery Management Council. They talk about local fisheries, sustainability practices, and the potential impacts of an extended government shutdown on the fisheries. Kathy With a K is your host. Learn more at the in-person public Hawaii Fishing Community meetings (Lanai at the Filipino Community Center on October 28; Maui at the Maui Beach Hotel on October 30; Kauai at Chiefess Kamkahelelei Middle School on November 4; Oahu at the Ala Moana Hotel on November 8; Molokai in December) and how to participate. Go to wpcouncil.org "Hawaii Matters", a public service community program that airs on Sundays at 6:30 a.m. Hawaii across ⁠Pacific Media Group Oahu⁠ radio stations:⁠KDDB 102.7 Da Bomb⁠ |⁠ KQMQ HI93⁠ | ⁠KUMU 94.7 KUMU⁠ | ⁠KPOI 105.9 The Wave⁠To be featured or for inquiries on "Hawaii Matters", please email: kathywithak@1059thewavefm.com

From muddy mountain bike rides to midnight treadmill runs after night shift — Kylie Bell brings grit, humour, and heart to every mile she runs. In this Delirious West 2026 intro episode, we meet Kylie: an Albany-based police officer, remedial massage therapist, and adventure-seeking endurance runner who's taking on the 100-mile event in 2026. From her early years in Armadale to paddling adventures with her dad, Kylie's been wired for movement and challenge since day one. Her racing resume includes epic stage races across Morocco, Hawaii, and the Grand Canyon, plus a DIY “Everest” effort up Bluff Knoll (14 times!) — all squeezed between shift work, business ownership, and life with her fur-baby Noodle

We are joined once again by Dr. Bandy Lee, forensic and social psychiatrist and violence expert, who edited the 2017 New York Times bestselling book, “The Dangerous Case of Donald Trump.” We get her latest take on whether someone with Trump's psychological profile should have the nuclear football and whether he would actually leave office peacefully. Plus, Ralph assesses the latest No Kings rally. Dr. Bandy Lee is a forensic and social psychiatrist, violence expert, president of the World Mental Health Coalition and New York Times bestselling author of “The Dangerous Case of Donald Trump.” Her new book is “The Psychology of Trump Contagion,” also available as a podcast. And her four-part series on Substack is “The Serious and Imminent Threat of Donald Trump.”I have often said that every accusation is a confession; that whatever he (Trump) says of others will quite accurately portray what is happening in him because of the level of symptomatology and projection.Dr. Bandy LeeHe will react (to impeachment) very belligerently, as violently as possible, as we've seen from his loss of the first attempt to be reelected. But it also depends on how we handle him. We've seen from how dictators of the world – who understand his psychology much better because it's similar to theirs – can manipulate him and cause him to do all kinds of things that ordinary presidents would never do. And so, I would say that he's still very malleable, and it depends on how we handle him and manage him. And that's why mental health consultants would be very important.Dr. Bandy LeeLet me suggest why the progressive media is avoiding your type of elaboration and explanation. They do not want to be accused of what the communist regime in the Soviet Union did to dissenters. Stalin and his cohorts would basically say that dissenters are insane. They have mental impairment, and they should be sent to prisons in Siberia. And progressives throughout the decades have been very fearful of being tainted with that accusation about dissent in American society.Ralph NaderNews 10/24/25* On October 15th, investigative journalist Ken Klippenstein published a report on the Trump administration's attempts to implement the new National Security Presidential Memorandum targeting “Antifa” known as NSPM-7. According to this report, the federal government has so far begun “collecting intelligence on Antifa ‘affinity' groups, canvassing the FBI's vast informant network for tips about Antifa, and scrutinizing financial records.” What this will mean in practice remains murky. A senior career homeland security official is quoted saying that “no one should doubt the orders that have come down from on high to destroy Antifa,” and DHS Secretary Kristi Noem recently stated “Antifa is just as sophisticated as MS-13, as TDA [Tren de Aragua], as ISIS, as Hezbollah, as Hamas, as all of em.” However, as this simply is not the case – former FBI Director Christopher Wray told Congress that Antifa is “not a group or an organization…[instead]...a movement or an ideology,” – the door is open for the Trump administration to pursue a wide-ranging and ill-defined crusade against any groups or individuals it determines to be antifascist. So far the response to this campaign has been muted, perhaps out of fear of reprisal from the federal government. But with infinitely moveable goalposts, this “war on antifa” as Klippenstein defines it, could have grave consequences for civil society and civil liberties for years to come.* In more federal news, POLITICO reports that if the government shutdown continues through November 1st, residents of 25 states – including California, Alabama, Pennsylvania, Hawaii, Indiana, Mississippi, D.C. and New Jersey – will lose access to SNAP benefits. SNAP, the Supplemental Nutrition Assistance Program, helps over 42 million low-income Americans avoid hunger. The loss of SNAP benefits will be acutely felt as the nation enters the holiday, and specifically Thanksgiving, season. It remains to be seen whether this will force either side to blink, and many expect the shutdown to drag on until the November elections.* Even with the government shut down, things are happening in Congress. This week, Arizona Attorney General Kris Mayes filed a lawsuit to force Speaker of the House Mike Johnson to swear in Adelita Grijalva. Johnson has blocked Grijalva, who won the special election in Arizona's seventh congressional district a month ago, from taking her seat in Congress. Mayes argues that Johnson's obstinance has left 800,000 Arizonans without representation and is requesting that federal judges, or others authorized to administer the oath of office swear in Grijalva if Johnson refuses to do so. Johnson claims he cannot administer the oath until the House is back in session, yet he used a special pro forma session to swear in Republican Representatives Jimmy Patronis and Randy Fine less than 24 hours after they won their respective special elections. Many contend that he is blocking Grijalva because she has vowed to vote in favor of the discharge petition to force the release of the Epstein files. This from AP.* Meanwhile, in the Senate, a breach seems to be widening between President Trump and Kentucky libertarian Senator Rand Paul on the issue of the strikes on Venezuelan boats. In an interview with Piers Morgan, Senator Paul said “We can't just kill indiscriminately because we are not at war. It's summary execution!...Everyone gets a trial because sometimes, the system gets it wrong. Even the worst of the worst in our country get due process. The bottom line is that execution without process is not justice, and blowing up foreign ships is a recipe for chaos.” At another point in this interview, Paul disputed the Venezuelan narcotrafficker narrative, emphasizing that “There is no fentanyl made in Venezuela. Not just a little bit, there's none being made... These are outboard boats that, in order for them to get to Miami, would have to stop and refuel 20 times.” That same day, the Hill reported Trump hosted a lunch with all Republican Senators at the White House Rose Garden – with the sole exception of Rand Paul. Paul brushed this off, saying he was instead having lunch with Congressman Thomas Massie, an ideological ally who also bucks President Trump's direction on a number of issues.* On the other side of the aisle, Senator Elizabeth Warren has sent a letter to Treasury Secretary Scott Bessent demanding answers related to the Argentina bailout. Specifically, Warren is concerned about “revelations that the United States government may be purchasing Argentine pesos,” as part of this bailout, and pressing for disclosure as to “whether such purchases have occurred and how much taxpayer money has already been spent.” This from MediasNews. This letter alleges that the deal includes “a $20 billion currency-swap agreement with Argentina's central bank, efforts to arrange a $20 billion private investment vehicle, and ‘the apparent purchase of at least hundreds of millions of dollars' worth of Argentine pesos directly using taxpayer dollars.” The administration seems unusually invested in propping up the government of Argentinian President Javier Milei, a staunch Trump ally in the region. In addition to this bailout, on Wednesday, Trump angered the American cattle industry and their Republican allies in Congress by announcing plans for large-scale purchases of Argentinian beef, which will undercut American producers, per Newsweek.* In Massachusetts, a complex political dynamic is emerging in that state's Democratic Senate primary. Longtime progressive incumbent Ed Markey, who fended off a primary challenge from the Right launched by Joe Kennedy in 2020, is now facing a new rightward challenge from Congressman Seth Moulton. Many see Congresswoman Ayanna Pressley, a “Squad” member, as Markey's chosen successor, but he has made no indication of stepping aside, despite the fact that he would be 80 years old if he were to be reelected in 2026. Moulton is 46, Pressley is 51. Moreover, in an indication of where the party is ideologically, Moulton made one of his first campaign moves “returning campaign donations that he received from individuals affiliated with…[AIPAC]...and [vowing] he would no longer accept campaign support from the group,” per the New Republic. Moulton is by no means an antizionist, he followed up this announcement by saying “I'm a friend of Israel,” according to JNS, but the fact that even a centrist to center-right Democrat has to reject AIPAC money is a sign of just how toxic the group has become to the Democratic Party rank and file.* Our next two stories are on bills responding to the challenges of AI. In New York, Governor Kathy Hochul has signed a bill updating the state's antitrust laws to ban landlords from using AI algorithms to “artificially inflate New Yorkers' rents,” according to Gothamist. This bill comes in the context of a Justice Department lawsuit against RealPage, a company that uses algorithms to analyze data such as vacancies and lease renewal rates to give landlords price recommendations – which many see as collusive price-fixing. According to a Council of Economic Advisors study, such algorithms cost renters nationwide 3.8 billion additional dollars in inflated rents in 2023. California enacted a similar law earlier this month. Hopefully other states and municipalities, particularly those with hot rental markets, will follow suit.* And in New Jersey, Newsweek reports Assemblywoman Andrea Katz is pushing a bill to impose a surcharge on AI data centers to help offset the rising power costs caused by the massive amounts of energy these data centers consume. This tax would be used to modernize New Jersey's power grid. According to the data, “the average price of residential electricity increased 6.5 percent from 16.41 cents per kilowatt-hour to 17.47 cents between May 2024 and May 2025.” This issue is particularly salient in New Jersey right now, as the state gubernatorial elections are rapidly approaching. In this same context, Democratic Virginia state delegate Shelly Simonds is quoted saying “Voters are mad as hell about energy prices increasing…anybody who ignores these issues does so at their peril.”* Turning to foreign affairs, earlier this week the BBC reported that Prince Andrew would be “giving up his titles, including the Duke of York, following a ‘discussion with the King.'” This announcement raised alarm bells. Prince Andrew has been deeply implicated in the Jeffrey Epstein scandal and has been out of public view for years already. This new severing of his ties to the royal family implied there was more yet to come. Indeed, just days later an excerpt from the late Virginia Giuffre's memoir Nobody's Girl included an account of the former Duke of York engaging in an orgy with Giuffre and “approximately eight other young girls” at Epstein's Little St. James island estate. In this memoir, Giuffre also recounts a brutal rape at the hands of former Israeli Prime Minister Ehud Barak.* Finally, in some positive news, Reuters reports that elections in Turkish-dominated Northern Cyprus this week brought to power Centre-left politician Tufan Erhurman. Erhurman, who won with nearly two-thirds of the vote, has pledged to revive reunification talks with the Greek-dominated portion of the island. Various peace plans and reunification efforts over the years have failed, and talks have largely ceased since 2017. This victory proves one thing: it is never too late for a people to move toward peace. We wish the Cypriots on both sides of the partition luck in the negotiations to come.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

If you follow Behavioral Observations on Instagram, you might recall that I had the once-in-a-lifetime opportunity to travel to the 20th Annual Hawaii Association for Behavior Analysis conference to give the closing Keynote Address. I could devote an entire podcast episode to talking about all the wonderful people I met, the fun experiences I had, and the amazing sights I was able to take in. One of the biggest highlights though, was the opportunity to sneak in the following conversation I had with a panel of employees from Hawaii's Department of Education. It turns out that the State of Hawaii is doing some innovative work in bringing to bear specific behavioral technologies to improve the supports provided to children in school settings. This work is organized into a large scale endeavor that they have named The CARE Project. This panel consisted of Alysha Kim, Dodi Pritchett, Joshua Hoppe, and Sherene Hajiro. And before getting any further into this introduction, I want to thank my friends Katie Croce and Jamie Salter from Self and Match, for not only nudging us to have this conversation, but for also financially supporting it with a generous donation to the HABA. Here's what we talked about: The ways in which the Hawaii Department of Education differs from other state DOEs. The specific problems the CARE project was designed to address. The mindset shift from responding to preventing problem behavior. The DOE's collaboration with FTF and Emergent Learning. Specific case studies of successful interventions. How the DOE is collecting data for research purposes. The challenges of scaling these interventions in the face of staff turnover. How they turned the term "PFA/SBT" into a verb. How they see these types of supports evolving over time. Sponsor shoutouts! Frontera. Consider taking a demo of Frontera's Assessment Builder and see how the ethical application of AI technologies can help you serve clients and save you time! Your first assessment report is free. And if you use code BOP25 you'll get an additional five assessments for just $100. So head to fronterahealth.com to check it out! CEUs from Behavioral Observations. Learn from your favorite podcast guests while you're commuting, walking the dog, or whatever else you do while listening to podcasts. New events are being added all the time, so check them out here.  Behavior University. Their mission is to provide university quality professional development for the busy Behavior Analyst. Learn about their CEU offerings, including their 8-hour Supervision Course, as well as their RBT offerings over at behavioruniversity.com/observations. Don't forget to use the coupon code, PODCAST to save at checkout! MindBodyBehavior's Certified Health Coach Program. If you're a BCBA looking to use your ABA skills to help people live healthier lifestyles, learn how to do it the right way, with expert instruction, mentoring, and guidance from Sarah Burby. Better still, podcast listeners can save $$$ by using the code BOP10 at check out. Click here to learn more! The 2026 Verbal Behavior Conference! Taking place March 26–27, 2026, in Austin, Texas, or livestream and on-demand on BehaviorLive. Presenters will include Drs. Mark Sundberg, Patrick McGreevy, Caio Miguel, Alice Shillingsburg, Sarah Frampton, Andresa De Souza, and Danielle LaFrance will share how Skinner's analysis of verbal behavior can guide the assessment and treatment of generative learning challenges in children with autism and other developmental disabilities. And don't miss the special pre-conference workshop on Wednesday, March 25, led by Dr. Emily Kerwin and Gina Zecchin-Tirri from All Points Behavior (formerly The Carbone Clinic). The discounted early-bird registration price is only available for a limited time, so get your ticket right away!

Show Featured Sponsor:  The Precision Holsters Vanquish! Learn more: Precision Holsters and use code “seekAWS” for a discount.​​ On today's episode of the American Warrior Show, Rich Brown is joined by Michael “Mac” McNamara, founder of Post-Traumatic Winning and ALL MARINE RADIO. Mac's story spans finance, combat, leadership, and a lifelong mission to help others thrive after trauma. About Michael McNamara: Began his career at Merrill Lynch in Los Angeles, first as a bookkeeper and later as an account executive. Enlisted in the U.S. Marine Corps, later commissioned as a 2nd Lieutenant in December 1983. Served in multiple assignments, including: 1st Battalion, 5th Marine Regiment 1st Light Armored Infantry Battalion Marine Detachment, USS Ranger CV-61 The Basic School 3rd Light Armored Infantry Battalion Left active duty in 1994 after more than a decade of service. Post-Service Career & Return to Duty: Became Director of Sports for Special Olympics North Dakota in 1998. Launched his broadcasting career in 2000 as host of MacTalk, earning the National Association of Broadcasters Marconi Award (2007) for Small Market Personality of the Year. Returned to active duty in 2004, promoted to Major, and deployed to Ramadi, Iraq, with the 1st Marine Division. Mobilized again in 2006 for duty in Fallujah, Iraq, with the 5th Marine Regiment, while simultaneously serving on the Grand Forks City Council. Deployed once more in 2010 with the 1st Marine Regiment to Helmand Province, Afghanistan, serving until his retirement in 2015. Post-Traumatic Winning & Advocacy: Founded The Post-Traumatic Winning Company, LLC and launched ALL MARINE RADIO, an online platform promoting mental fitness and reducing veteran suicide. Began presenting Post-Traumatic Winning in 2019, first at Camp Lejeune, NC. The presentation has since reached audiences across the U.S., Japan, Hawaii, Alaska, and Europe, impacting organizations of over 10,000 members with measurable results in combating destructive behaviors and suicide. Launched the Post-Traumatic Winning Weekly Seminar series in January 2021, expanding the program's reach and dialogue. Published his first book in March 2025, From Trauma to Joy: Life-Changing Lessons That Fellow U.S. Marines Taught Me After Traumatic Events Occurred in My Life — designed to share these universal lessons with a wider audience. In This Episode: How trauma can become a source of growth, not defeat. The creation and impact of Post-Traumatic Winning. Lessons learned from leading Marines and civilians through crisis. Building mental fitness and resilience in the face of adversity.

Critical fire weather conditions continue as gusty trade winds peak today and tomorrow. Witnesses describe the moments before a deadly crash in North Hilo that killed a woman and injured several children. And another Oahu private school voices its support for Kamehameha Schools and its admissions policy amid a federal lawsuit. See omnystudio.com/listener for privacy information.

An interview from early 2025 about community stewardship of ʻāina with Pualiʻi Rossi and Mason Chock from I Ola Wailuanui. I Ola Wailuanui is a grassroots community organization formed and managed by Kauaʻi residents for the purpose of preserving, protecting, and restoring Wailuanuiahoʻāno and the environmental, historical, and cultural treasures there. Their vision is a living ʻili ʻāina for and by thriving kamaʻāina who are culturally rooted and engaged in the stewardship of Wailuanuiahoʻāno.  Website: www.wailuanui.org/ Tags: Hawaiʻi, Hawai'i, Hawaii

媠閣大範 ê 捲螺仔星系 M101 是 Charles Messier's 彼个有名 ê 星表內底上尾一个天體，毋過伊絕對毋是上普通 ê 一个。這个星系 ê 大細差不多有 17 萬光年大，伊足大--ê，差不多是咱銀河系 ê 2 倍大。M101 嘛是 19 世紀 用 Rosse 伯爵上大台 ê 望遠鏡 Leviathan of Parsontown 觀測著 ê 原始 捲螺仔星雲 之一。這是 kā Hubble 太空望遠鏡 tī 20 世紀 kah 21 世紀 紀錄 ê 51 擺感光 kah 地面望遠鏡 ê 觀測資料組合起來 ê 相片。這張組合相片主要是 M101 中央 4 萬 光年闊 ê 範圍。M101 是 Hubble 公佈 ê 捲螺仔星系內底，解析度上懸 ê 其中一个。這張清楚 ê 影像 有翕著 正向盤仔形星系 hŏng 足注意 ê 特色，包括恆星、塗粉，kah 一寡 M101 後壁 ê 背景星系。M101 嘛叫做風吹星系，差不多 tī 2500 萬光年遠 ê 所在，咱會當 tī 北方 ê 大熊座 內底揣著伊。 ——— 這是 NASA Astronomy Picture of the Day ê 台語文 podcast 原文版：https://apod.nasa.gov/ 台文版：https://apod.tw/ 今仔日 ê 文章： https://apod.tw/daily/20250516/ 影像：NASA, ESA, CFHT, NOAO 感謝：K.Kuntz (GSFC), F.Bresolin (U.Hawaii), J.Trauger (JPL), J.Mould (NOAO), Y.-H.Chu (U. Illinois) 音樂：P!SCO - 鼎鼎 聲優：阿錕 翻譯：An-Li Tsai (TARA) 原文：https://apod.nasa.gov/apod/ap250516.html Powered by Firstory Hosting

This episode of In Stride is sponsored by The Equestrian College Advisor. Navigate the college search with confidence and find the right fit for both academics and riding. Visit equestriancollegeadvisor.com to learn more and book a consultation.  In this episode of “In Stride,” Sinead is joined by Grand Prix dressage rider Lehua Custer.  Lehua Custer is an accomplished dressage rider and trainer who grew up in Hawaii. A longtime student of Olympic medalist and Hall of Fame horsewoman Hilda Gurney, Lehua has produced and ridden multiple horses to the FEI levels. She is best known for developing Fortunato H2O, who went on to excel in international para-dressage with U.S. rider Roxanne Trunnell, contributing to a global team podium finish. Lehua also developed and competed the talented Dutch Warmblood gelding FJ Ramzes to the Grand Prix level, earning strong results in national and CDI competition. Early in her career, Lehua received the prestigious Carol Lavell Advanced Dressage Prize Grant, which helped accelerate her rise in the high-performance ranks.   Lehua reflects on her career and the influential horses who shaped it, including:  • How training under Olympic medalist Hilda Gurney molded her foundation and mindset as a professional  • The journey of Fortunato H2O “Tuna,” from his early development to his rise as a top para-dressage horse with Roxanne Trunnell  • Her partnership with FJ Ramzes and the incredible opportunities that came from developing him to the Grand Prix level  • How prioritizing physical strength and fitness transformed not only her riding, but her confidence and clarity as a trainer  Join Lehua and Sinead for an inspiring conversation about grit, opportunity, and the power of believing in what's possible when you fully commit to the process. 

This week on Talking Triathlon we react to the biggest shake-up the T100 has seen yet, as the series announces massive changes to its 2026 format. We discuss what the removal of athlete contracts could mean for the future of professional racing, how splitting the season into four standalone men's and four standalone women's races could impact broadcast numbers, and whether increased per-event prize money will be enough to drive interest and secure top-tier fields. We then move into race coverage, where Hayden Wilde and Kate Waugh delivered commanding wins at the T100 Wollongong. But it was the WTCS racing that stole the spotlight. In the women's race, both Cassandre Beaugrand and Beth Potter struggled and saw their world title hopes fade, while Lisa Tertsch produced an incredible performance to win on the day and secure the world championship. In the men's race, Matt Hauser capped off a perfect season, becoming World Champion and delivering Australia's first WTCS world title since 2005. We finish the episode by looking ahead to the 70.3 World Championship start lists and the athletes who could shape the world title battle. To support the podcast please head to: patreon.com/talkingtriathlon To watch this podcast as a video visit: https://bit.ly/3vzSss2  Or check us out on Social Media:  Instagram: https://www.instagram.com/talkingtriathlon You can follow James at https://www.instagram.com/bale.james85 You can follow Tim at https://www.instagram.com/tford14

In this episode of the Real Estate Pros podcast, host Erika interviews Brian Samson, a dynamic entrepreneur and real estate investor based in Hawaii. Brian shares his journey into real estate, the unique opportunities and challenges he faces in the Hawaiian market, and his strategies for generating cash flow. He emphasizes the importance of understanding the market, learning from past mistakes, and balancing business ventures with real estate investments. Brian also discusses his approach to entering new markets and the significance of building connections in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

got so many questions about the reasons why I left and wanted to go more in depth since I did do a little short reel but felt like yapping for a bit with you guys

Back in July, I took my family on a camping trip in Hawaii. We flew to Honolulu and rented a pair of campervans for our family of six. We had been on the ground for less than an hour when our phones collectively went off with an emergency notice regarding an incoming tsunami caused by a 8.8 magnitude earthquake off the east coast of Russia. A local was giving us an orientation on one of the two campervans at the... Read More Read More The post Leadership Lessons from Escaping a Tsunami in a Hippie Campervan appeared first on Zach on Leadership.

State Sen. Joy San Buenaventura of Hawaiʻi Island responds to the failure of the Pohoiki Boat Ramp dredging project; Louis Miller and Jon Holshue, aka The Pasta Boys, dish up homemade noodles at Proof Social Club in Chinatown

Ten years, 50,000+ copies, four languages, and about a million stories later… the second edition of Mastering Portrait Photography is here. Sarah flips the mic and grills me about why we did a new edition, what changed (spoiler: basically everything but one image), how mirrorless and AI have shifted the craft, and why a tiny chapter on staying creative might be the most important two pages I've ever written. There's a Westie called Dodi, a cover star called Dory, and a street scene in La Boca that still makes me grin. Enjoy! Links: Signed Copy of Mastering Portrait Photography, New Edition - https://masteringportraitphotography.com/resource/signed-copy-mastering-portrait-photography-new-edition/   Transcript: Sarah: So welcome back to the Mastering Portrait Photography podcast and today's a special one. Hi, I'm Sarah, and I'm the business partner of Paul at Paulwilkinsonphotography.co.uk and also his wife too. Now, you might already know him as the voice behind this podcast, but today I'm gonna get the rare pleasure of turning the microphone around and asking him the questions. So Paul, it's been 10 years since the first edition of mastering portrait photography hit the shelves, and with selling over 50,000 copies, multiple reprints and translation into four languages, it's safe to say it's had a bit of an impact, but as we all know, photography doesn't stand still and neither do you. So today we're diving into the brand new second edition. So Hello Paul. Paul: Hello. It feels weird saying hello to my wife in a way that makes it sound like we've only just met. Sarah: Mm. Maybe, maybe. Paul: The ships that pass in the night. Sarah: Yes. So I thought we'd start with talking about the, the first version. You know, how did it come about? A bit of the origin story about it. Um, and I'll leave that with you. Paul: Well, of course Confusingly, it's co-authored with another Sarah, um, another photographer. And the photographer and brilliant writer called Sarah Plater, and she approached us actually, it wasn't my instigation, it was Sarah's, and she had written another book with another photographer on the Foundations of Photography. Very popular book. But she wanted to progress and had been approached by the publisher to create Mastering Portrait Photography. This thing that we now have become used to didn't exist 10 years ago, and when she approached us, it was because she needed someone who could demonstrate photographic techniques that would live up to the title, mastering portrait photography. And we were lucky enough to be that photographer. And so that first book was really a, a sort of trial and error process of Sarah sitting and interviewing me over and over and over and over and over, and talking about the techniques that photographers use in portraiture. Some of it very sort of over the sort of cursory look, some of it in depth, deep dives, but all of it focusing on how to get the very best out of your camera, your techniques, and the people in front of you. And that's how it came about. I mean, little did I know 10 years ago we'd be sitting here where we are with Mastering Portrait Photography as a brand in and of itself.This is the Mastering Portrait Photography Podcast Yes, because the book sold so well. Sarah: And did you expect it to do as well as it Paul : Oh, I'm a typical photographer, so, no, of course I didn't, you know, I kind of shrugged and thought it'd be all right. Um, and, and in some ways, because you have to boil it down into, I think there's a 176 pictures or there, there were in the first book or somewhere around there, a couple of hundred pages. There's this sense that there's no way you can describe everything you do in that short amount of space. And so instead of, and I think this is true of all creatives, instead of looking what we achieve. We look at the things we haven't done. And I talk about this on the podcast regularly, the insecurity, you know, how to, how to think like a scientist. That's something that will come up later when we talk about the new version of the book. But no, I, I thought it would be reasonably well accepted. I thought it was a beautiful book. I thought Sarah's words were brilliant. I thought she'd captured the, the processes that I was talking about in a way that clarified them because I'm not known for my clarity of thought. You know, you know, I am who I am, I'm a creative, um, and actually what happened was the minute it was launched, the feedback we got has been amazing. And of course then it's gone on to be translated into Italian. A couple of different Italian versions for National Geographic. It's been translated into Korean, it's been translated into German, it's been translated into Chinese. Um, and of course, technically it's been translated into American English. And, and one of the reviews that made me laugh, we've got amazing reviews on Amazon, but there is one that kind of made me laugh, but also upset me slightly, is that both Sarah and myself are British authors. Using English uk, UK English, but for the international market right from the get go the book was using American spellings, Sarah: right? Paul : We didn't know that was what was gonna happen. We provided everything in UK English and of course it went out in with American English as its base language. Its originating language. Um, and that's one of the biggest criticisms we Sarah: got. Paul - Studio Rode Broadcaster V4 (new AI): And when that's the criticism you're getting that people are a bit fed up that it's in American English and apologies to my US friends, of which I have many. Um, it was the only one that really. I don't like that. So I thought, well, it must be all right. And so for 10 years it's been selling really well. book. I never knew it'd be in different languages. Um, it was in the original contract that if the publisher wanted to do that, they could. And really, I only found out it was an Italian when I started getting messages in Italian from people who'd bought the book in Italy. And then of course, we found out. So it's been a remarkable journey and. I don't think I've been as proud of something we've done as I have of the book. I mean, me and you spent hours pouring over pictures and talking about stories. Sarah had to then listen to me. Sarah: Yes. Paul: Mono, sort of giving these sort of diatribes on techniques and things we do. Um, you know, and I think, I think it's a remark. I, well, I still think it's a remarkable achievement. I'm really proud of it. Sarah: Yes. Did, did you think the second edition would, would happen or, um, or how did it come about? Paul: No, not really. Because if you remember, we did a sort of interim update, which was just off the ISBN, so the same ISBN, same book number, but we'd been asked if there was anything that needed tweaking minor word changes, those kinds of things. And I assumed not really being, you know, that time experienced with this stuff is that was. Was a second edition, it was basically a reprint. So I sort of assumed that was the end of it. And then, um, we were contacted the end of last year, um, to say that with the success of the book over the past decade, would we consider, uh, refreshing it properly refreshing it, a new updated edition because of course there's lots of things that change over time. Um. And it's, it was worth having another look at it. So no, I didn't expect it, but it was an absolute joy when the email came in It must have been. It's, it's one of those things that's so lovely when other people appreciate it and know that, um, it would be really good to have a, have another go at it and, uh, see what's changed. Sarah: So it kind of brings me onto what, what have you changed in it? What's, what are the new, the new bits that are in the second edition? Or was it even that from the first edition? You, you knew that there were things you'd love to include? Paul: Well, in a decade, so much changes. I. The equipment is the most obvious. You know, there's a chapter at the beginning on Kit, so you know, one of these dilemmas with books. I think again, we took advice from the publisher as to what do you include in a book? And the publisher were really keen and have stayed really keen that there's a chapter on the kit at the beginning. Um, and apparently that just helps a very particular part of the market sell. So that's fair enough. No problem with that. It's quite fun talking about technology. I don't mind it. Um, but of course that technology's evolved, so we had to update all of that to reflect the fact that 10 years ago we were just beginning to talk about the advent of mirrorless cameras, but they were nowhere near the quality of a digital SLR, for instance. Well, now mirrorless is the professional choice. Everything has gone mirrorless because it's got fewer moving parts. The sensors have increased in, um, sensitivity to focusing, you know, there's a million reasons why that's happened. So of course we've updated all of the technology. I think more importantly, certainly from my point of view is in those 10 intervening years, I've changed every picture. Our clients, the techniques, the. Post-production, the thought processes, um, even down to the fact that with mirrorless cameras, you can actually shoot in a slightly different way. I mean, I'm a traditionalist in many ways. I grew up with a film camera. Yes. So, you know, metering either using a meter or very careful control. Because your dynamic range is pretty limited. Um, maybe the fact that you would focus on a point and then wait for whatever it is that's moving through it, to move through it and take your, take your picture. Um, these were the kind of techniques, you know, lock your focus repose when I started, even even A-D-S-L-R, you know, I'll give you a really good example on how the technology has helped, though. It's not actually part of this book, but it's a, it's a really good illustrative point. Um, technology isn't the be all and end all of photography. What goes on in your head is what matters, but the technology is the enabler. And I work with the hearing dogs every week. We photograph running dogs all the time and with the DSLRs I was using, it would just take four goes, maybe five goes to get that perfect moment where the dog is spot perfect in focus. It's airborne, its paws are off the floor. Everything about it is absolutely right. Four or five goes, you know, because I'm shooting at maybe 10 frames a second. The focusing is more or less keeping up because of course, every time you take a picture, the mirror slaps up and the focusing then has to predict where the dog might have ended up. It's not doing, it's not tracking it at that point, and then you move to mirrorless. Um, and the Z9 that I use now, the Nikon is an unbelievable piece of kit. It locks onto the dog. I can shoot at 20 frames a second. Um, and one of those shots is invariably the shot I'm looking for. And, and that sounds like I'm cheating in some ways, but when you are a professional photographer, your job is to do the very best for your client. And so instead of spending an inordinate, inordinate amount, it's not easy for me to say a very long time. Um. You know, trying to get the right shot. Now I can do it very quickly and move on to another shot so we can provide a wider variety to our clients. And that's true with running children too. Yes. So the technology has changed and the techniques have changed with it. Um, now you're seeing on the back of your camera or through the viewfinder exactly the image. Not a facsimile of it, not a mirror. Prism view of it, you're seeing precisely what you're gonna capture. Um, and that gives you a huge amount of confidence in the shot and a huge amount of control too. You can really fine tune exactly how you want the exposure to be. For instance, you know, you don't have to worry about, is that right? Let's must check the histogram afterwards. You can check the histogram, live in the viewfinder and all these little bits, just make your job different. They, you connect with the shot in a different way. You connect with a client in a different way, and that's the tech side. But I've also, you know, I, in 10 years, I'm 10 years older. You know, in some ways I'm 10 years faster. In other ways, I'm 10 years slower. You know, the cameras are quicker, my shots are quicker, my knees are slower. Um, and it's a different perspective on life. I also teach a lot. The podcast, the book itself, the first edition of the book, led us to the podcast and the website where we run workshops and everything else. So all of this cumulative knowledge, when you look back at the old book, and while I'm still massively proud of it, the new edition was a wonderful opportunity to sit down and say, what would I like, how would I like to be represented this time? Yes, and it's a much more grown up approach, I think. I mean, I, I wasn't a kid back then, but this time around because the book was successful, instead of providing 10 pictures for every slot, I provided the picture I want, in that slot. Right? And so the book is much closer to how I would like it to be as a photographer. Every picture. Now, I could tell you a story about every single picture, every single client, and having the luxury of success on the first version gave me the luxury of being able to do more of what I wanted in this version. This is much more reflective, I think. Of me personally. Yes. And so I've, I've loved it. It's absolutely, it's such a, a lovely process to go through. Sarah: So how many pictures have been changed between the two versions? Paul: All bar one. Sarah: bar one. How intriguing. So will you tell us what the one is, or is that Paul: can, you can go and find that out for yourself. Yeah, so there's one single image that hasn't been changed. There's single image that hasn't been but every other image has has changed from the first edition. Uh, just a caveat to that, of course, some of the kit pictures, uh, 'cause they were generic, they've stayed the same. But every portrait, Wow. every single portrait except for one, has been changed. Sarah: And how did you go about choosing those pictures? 'cause I can imagine, you know, if you're starting effectively with a blank canvas for where the images have gotta go, uh, how on earth did you do that Paul: Um, slowly the publisher will tell you, uh. The thing to you have to remember though, is that this is an updated edition. Yes. And that was the contract. It was not a complete start again. So, although I had the opportunity to change every picture, every picture had to fit into an almost identical space because they weren't gonna redesign it. Right. It's updated edition and we have to be clear about that. So part of the puzzle was not just, which pictures do I want to illustrate, which point. It was, which pictures in the same shape previous do I want to illustrate? I mean, there's some wiggle room in there, but the designers did not want to do a full redesign. That was not what we were contracted for. Um, obviously the words were being updated too. And both Sarah and myself, um, I mean, since the first book I now write for magazines and online articles and things all the time, I write for all sorts of photography stuff. Um, and so actually both Sarah and myself wrote words this time round. Um, but nonetheless, we couldn't change too much. We could bring it up to date, but there, there were still bits that, you know, if I was being truly honest, there are things that I think in the past 10 years have become less relevant. And things, it would've been nice to have put some different stuff in, but that again, this is an updated edition, um, not a complete from the ground up rewrite. So actually I sat down and I looked at all of the, um, chapters and the words that we'd written in the first edition and thought about what we were trying to illustrate and went back to sort of basics really, and where I already had pictures in the portfolio. Um, we used pictures of great clients, interesting light, interesting locations, interesting techniques where there are certain things where, I'm not sure, the first time round, um, the illustrations of them were as good as I, as strong as I would've liked. I shot them again here in the studio, so things like the lighting pattern. You know, I have, I've talked about them for 10 years, these lighting patterns. So it was a really nice chance to sit Katie, who works for us in the studio, uh, to sit Katie in front of the camera and say, right, this is what we're gonna do. And I worked every lighting pattern and redrew every diagram to make that absolutely on point, which I think the first time round, while they are very, very good. They're not what I would've liked them to be this time round. So there was that side of it too. And then of course, and I'm sure you're gonna come onto it, there's a couple of, well, there's a new chapter in there which did give us a chance to explore something a little bit different. Um, so yeah, it was just a long process of finding pictures that if I'm gonna put my name to it, are the ones that I would like. Yes. And it's not always the best picture. It's not always the competition winners. they're in there. They are in there. Of course they're in there. Um, but I think this time round, um, I really enjoyed reminiscing. I think some of the pictures in there, they're all beautiful pictures, don't get me wrong. But some of the people I picked to be in them are people because actually that was a moment that I will remember for the rest of my life for all sorts of reasons. And I think the, the strongest example of that is our cover shot is Dory now. The story of Dory. That sounds really weird. The story of Dory? photo. Dory. Story of photograph. Oh yeah, my you met Dory? Or should we go with I dunno if the story of Dory that's like, sounds like a children's book. That'd be a great chance to write a children's book. So Sarah and I were having dinner. Dory was working in the restaurant that, uh, we are having dinner in. Um, I laughed to Sarah and said, I think, um, Dory would photograph beautifully. Sarah said, we'll, go and ask her. And I asked her and she said, no. She absolutely said no, categorically. And I said, okay. Then I wrote our email address, sorry, I wrote our web address. Uh, on the back of a, of a napkin and handed it to her. I said, look, you know, if you're not interested, that's fine, but have a look at my work. Um, and this was after the first edition of mastering portrait photography, and my idea was for Dorie to come to the studio and we'd film some stuff where we photographed her and use it for information, stuff for people who read the book and maybe create some YouTube videos and things. Um, anyway, at four o'clock in the morning, got an email back from Dory saying, actually, I've just looked at your work. Yes, please. And Dory has gone on to be someone we've worked with fairly regularly. Um, mostly, um, because she's just the nicest person in the world, but also she's supremely photogenic and you bring those two things together and they're the kind of people I love to work with. I love to celebrate. Photography with, so her picture, one of those pictures I shot in that session is the cover shot in the book and she features later on as well. 'cause she's come back with her husband and her kids and it's just a delight. And then there, you know, there are people from all over the world. Um, and so there's a lot of memories in there for both me and for you I Yes, Um, and it was, uh, just a pleasure to go through it. Oh, and the other thing is every single shot is shot since we published the first edition. So I did limit us to the past 10 everything is limited to what, what you've captured in the last 10 years? Yeah. Yes. Because figured that, um, if you're gonna do an updated edition, then, although there were pictures in the first version of the book, I would've loved to have had in there that never made it. Why don't we start from that point and move forwards? Other than the one Other than other than the one other than, one Sarah: so you've, you've talked a little bit about how you've changed and that's been reflected in the book. You've talked a little bit about how the technology has changed, but probably one of the biggest changes has been post-production, um, the introduction of, of ai. So is that reflected in the book, Paul: Yeah, of course it is. Um, the post-production chapter, um, I mean, the thing with post-production is that's a volume of books in and of itself. Uh, we put it into the book Sarah and myself, because I think it was important to note that an image isn't generally finished in camera. It's finished when it's finished. And this is true for film, by the way. This is not news, you know? Um, and it's for as long as film has been shot, transparency's and negatives. People have been doing a certain amount of post-production on them afterwards in their development tanks. Um, or whether they're doing hand toning or something is', this isn't new for me. I think you're about halfway there. Now, the second half might be a very short half, but it's almost certainly gonna evolve, at the very least, um, brightening controlling your tones and cropping. Okay. Maybe a bit of sharpening if that's your thing. So we put that chapter in just to make the point that there is a finishing stage. That was 10 years ago. In those 10 years, everything has changed. Yes. Yes. You know, even if I just kept it to the Photoshopping that we had in the first edition, all of that is different. I. And of course AI has now arrived. Um, I mean, it's a precocious child of a technology at the moment, but it's growing up really very fast and it's gonna affect us in every single element of us as creatives of, of us as business owners. There's, there's no part of our work. Even. Even the people that say I don't believe in AI are using cameras that have AI in them. You know, there's no way of escaping it. It's here with us and you can fight it if you want. And there are bits of it that I'm not that comfortable with. Certainly some of the training, the way they did it on images, without any acknowledgement of copywriting things, it's problematic. But in the end, it's here, it's now, and if you don't embrace it, the people who are in your market as a professional competing with you. Are embracing it so there's no getting around it. So yeah, there's a part of our post-production now talks about specifically EVOTO.AI, which is the app that we use. There's others as well re Bloom and a few others that do a very similar thing. Um, and we've put it in there. Again, not as this is what AI does, but for make, to make people aware that AI is now part of the puzzle. Use it, don't use it. And that's completely your choice. The same as it is with Photoshop. But it's a good place to just remind people. That this is the direction of travel for a good chunk of the industry. So yeah, we've changed that quite a lot. Sarah: And a section at the end. Is it Paul: my favorite section? Yes. this Sarah: a, this was a request from you to add this in. Paul: Yes, yes. Um, there's a, one of the things with doing this as a job, and it's not just a risk, it really does happen, is you find yourself. Sort of burnt out isn't the right word for it, really, or the right phrase for it. But you find yourself same old, same old, same old. You get good at stuff, you get known for stuff. People ask you to do that stuff. You do more of it. You, you're still good at it, but eventually you start to find yourself just a little bit flat. Um, and it happens all the time. And so I put a chapter and I asked the publishers if we could wiggle some stuff around and make some space to put one specific chapter in. It's not a long chapter, but to me it might be the most important chapter in there. It's about staying creative. It's just little techniques, little ideas for staying on top of your game, thinking of new things, being a creative. And, and being a creative is something you have to work at. You can't just, you don't just invent ideas. You have to be open to seeing things and thinking things and trying things, experimenting, working with different people, having mentoring. These are all the facets that I wanted to just in a very short chapter, 'cause we could only squeeze in a couple of pages. But it's the chapter that I think I am the most proud of Sarah: Yes. And knowing you as well as I do, you know, it's part of my challenge in the business is making sure that you keep motivated and keep being creative. So I, I know how important it's, and how we have to put shoots in the diary and, and do things that are just for you, for no other reason. Just than just to let you play. So I, I can see how important that is. Paul: Yeah. I'm, I'm aware of just how much cotton wool you wrap me in and I can feel it building as well. I always know when I'm not firing on all cylinders, because you start to sort of wrap cotton wool around me and start to think about putting it in other things that we need to do, or just a break to get away for a week. You know, there's those things. It's really hard. It's hard being a creative, as in it's hard to be a creative a hundred percent of the time, and b, creative a hundred percent of the time. The, the, you know, being called a creative is one thing, but actually being creative is a process of invention and experimenting and doing things that you haven't done before. That's the point of being creative. Um, and so, yeah, I'm always aware when I'm clearly starting to feel a bit frazzled because I can feel you starting to. Talk about doing other things. Sarah: So what I didn't realize is what you said earlier, that the, all the images have all been taken since the last book. Um, and they're from clients we've had all around the world as well. So I wondered if it would be. Nice to pull out a couple of our favorite images. Um, I sort of going on from your comments about staying creative. One that jumps out to me is when, um, Vivian and Dody came to the studio and, you know, this was a, a lady who came in with her West Highland tert. So Westy Westy, it's a white west. Highland, ter. And, um, we did some beautiful shots indoors, outdoors, um, having lots of fun. And then you built this, uh, amazing scene, um, which is including in the, included in the posing chapter. Do you wanna just explain and tell me a little bit about that one? Yeah. Um. Paul: Um, you know, Dodie, sorry. Vivian had emailed Dodie didn't email, obviously Doty's Do's dog, Vivian Vivian emailed to say she wanted a shoot with her dog. And I kind of, I say I distinctly remember the email. I remember what she said in the email, which is that she couldn't find another photographer who photographed the owner with their dog. Now, I dunno how hard Vivian looked. I'm not, I'm sure there's a lot of photographers listening to this that photograph dogs with their owners and I judge a lot now as a, as a judge and as a coach. So I know it to. Out there. But anyway, she landed on us and I'm thrilled that she did Vivian and, uh, Dodie turned at the studio. And Vivian is just beautiful. She's elegant. She has a real sort of gentle way about her, uh, and this beautiful little West Highland ter, which was for the first 10 minutes, I have to be honest in now. Backstory, my Nan had repeatedly West Highland Terriers. My Nan repeatedly did not train her. Westie, my Nan's dogs repeatedly bit us all of us as kids, as teenagers, as adults. Even my dad would like shut the door and run because this dog would go for him. And so when she turned up with this little Westie, I must admit I backed away. However, Dodi, just like Vivian, was gentle and calm and just followed her around and, and he would sit. In the studio just looking at her while we worked, if it was shots for her on her own. And then when she scooped him up or we tried to do something with him, he was so patient and so well behaved. So I've got this incredible client who wants to do these shots, and at the end of the shoot sometimes the greatest privilege you get is to say to someone, how long have you got? And if they've got a little bit more time. What you can do is say, would you mind just trying a few bits with us? So we cleaned the studio out. It's a white, the, the dog was a white dog. Vivian had a light colored outfit and this kind of fair, and she was just, it. It struck me that we could do something interesting with the white walls of the studio, the white floor of the studio, the white posing blocks that I've had probably for 20 years here. And so I did a couple of things and we, we shot some different combinations and then in the post-production STA stage, I built a model of our studio in 3D in blender, it with blocks exactly the same. And then I can create almost any scene I wanted around this shot that's right in the middle of Dodi looking up at Vivian. Um, and it was one of those shoots that, I mean, every shoot in here, there's a story similar to this where I could tell you it's a shoot I'll remember forever. Um, and it was, and it was just a, a real luxury and, and just, you know, I dunno if Vivian listens to the podcast, but hello. Um, and Vivian's also very kindly sourced books from China for us. Yeah. yes. It's hard to get hold of some of these things when you are not in country. So we're still in touch with her very much. He's a lovely client. Another one that, um, oh, actually there's quite a few in the book from where we work as master photographers with Crystal cruises and so, um. Sarah: We've got this lovely line where we talk about the book, where is it From Venice to Vietnam and Haddenham to Hawaii. Yeah. But, uh, one of my favorite shoots that's included is Christine, when we were in Brena Aires, and actually this is from this year when we were in South America and there's quite a few people that we borrowed on the ship to get some pictures. And also what a lovely opportunity. I think it's in locations. Um. Where there is it and where was it? It was in Le Bocca. Wasn't Itca Le Bocca with Christine? Do you Well, a little bit about that one? What's Paul: It has been a, a real luxury for us in the intervening 10 years. So a lot happened in 20 14, 20 15. And one of the things that happened around the time of the book was they were asked to work with Crystal Cruises, a company that provided the photography to them. Interviewed myself and Sarah. Sorry, us too. It's weird talking, made a third person and giving it right here. Um, interviewed us as a team and ever since then we've been traveling the world with them grading high-end portraits for these beautiful international clients. Um, and this time round the deadline. Not the instigation, but the deadline for the book came up while we were working for about seven weeks around South America on the cruise. So I already had earmarked images from previous cruises, previous visits to different places. But when I was on the ship, there were a couple of people, um, that really leapt out just. Ship. And one of the great luxuries when you have something like a book or you like you've become well known as a photographer, is you can say to people, would you mind stepping in to allow us to take some photographs? So there's a couple of people from the crew where you have to get permission to work with the crew. Um, there's, um. Uh, Barbara is one of the team on there. Uh, say Hi is one of the people on there, um, who were crew members that we just loved the way they were with us. They made our lives wonderful. And so we photographed them specifically to put them in the book. Um, and then there's a client of ours, which is the one you've alluded to, which is Christine Now. We met Christine at the end of another shoot, and this is. Um, I mean, remember this is still the Mastering Portrait Photography podcast, and so it's always worth remembering some of the things that you can do as photographers. This is not just an interview about me in a book, but here's some ideas for you that work. So on the ship, we had just done a shoot, an amazing shoot, and a lady who was in that shoot was showing her images round the bar to all of her friends on our iPad. Now we were drinking, we were sat and we were sat next to this lovely lady who was very quiet and we'd said hello and had a quick chitchat, but not majorly a long conversation. When our client handed us back the iPad, Christine, who was the lady who was sitting with us, said, do you mind if I have a look? And I said, yeah, of course. It'd be my pleasure. You know? So she had a look and she said, would you be willing to do that for me? And I said, well, of course we would, you know, this is what we're here for. Um, and so we arranged to do a couple of different bits. A couple of it is actually two different shoots, but we did a site visit to Le Baca, this area in Buenos Aires. Is that right? Yes. Bueno Aires. Was it? No. Yes. Yes, it was. Bueno Argentina. Yeah. Thank you. Are confused. So we, we did a couple of visits to this place in, uh, bueno Aires Laca to go and check it out for different locations. Uh, myself and you and Keith, who's our client, strictly speaking, who runs the, the photo. Um, company found all these locations and went the following day with Christine to go and explore this really beautiful, touristy area of leer. It's very characterful, it's very hot. Um, very intense actually. There's a lot going on and you do have to have your head on a swivel. Yes. it's quite notorious for pickpockets and thefts and so you do have to be careful. So, Sarah, I mean you, sorry, this is really weird. So I'm used those to talking on my own. So you and me, we were working as a team with Keith. Christine was not. Christine was stealing sausages from barbecue places and running them down alleyways that probably she shouldn't have been. Christine everywhere, but really where we wanted her to be, which was safe and in our site. Um, and if you remember, we kind of, um, we went round a corner. In fact, we were just heading back to the car. We, so Christina had arranged the driver and we'd gone round the corner, haven't we? And we were in this little street. And I just, I looked over the top of the cars to the street shops, the shop fronts on the other side of the road and thought that would make a great picture because the color of Christine's dress, the color of these shops, the whole scene would just be something interesting. But I'm shooting across the road through cars. Um, we've got Keith on the other side of the road with her. You are on the side of the road with me. Both of us trying to keep eyes everywhere 'cause we've now stepped out of the touristy bit. We are now in an area where, strictly speaking, you shouldn't be hanging around with a 10,000 pound camera. Yes. Um, so I dragged the shutter. I got, I got everything else. I wanted it and dragged the shutter in a gap between the cars as somebody walked past. And I have this shot of Christine killing herself, laughing, looking at the camera. Um. With somebody walking past and it has this real vibe of a street shot, a candid shot. It's not, it's been staged, but it's one of my favorite shots in the book because it's, to me, every time I look at it, and this is true of your clients too, and when you're listening, the photographers are listening to this. Remember this every picture, if you've created an experience around it, that picture. We'll hold memories for that client of yours. And it's true for me too. This experience was amazing. We're still in touch with Christine. She's desperate for us to go out and visit her in Texas. Um, but it was such a privilege, such a pleasure. So much laughter and that every time I open that page in the book, that's what it takes me it. I I'm with I love the colors, I love everything about it. And it's nice that it's such a lovely story too. crazy story. Sarah: So who do you think the book is for? Who do you think we'd pick it up and find useful? Paul: Well, I'm hoping another 50,000 people will be. I've, I don't, I don't have total control over that. Um. It's really this, I think there's something for almost any portrait interested photographer in there. Um, if you are already a pro, you're probably not gonna pay a lot of attention to the kit chapter at the beginning. That won't be your shtick. Um, but there will be stuff on posing and interactions and some of the post-production might be of interest. Um, if you are ready. You know, a supremely experienced photographer, you might like it simply 'cause the pictures are really beautiful. I still buy photo books because I will pick them up, look at the pictures and think, do you know what? I'm gonna use that idea. I'm gonna meld that into something else I'm doing because I like, I love seeing. Great photographs. If you are truly a beginner, there's enough in there to get you going. And some of the techniques are a little bit further out there, but mostly it builds on this idea that you have a camera, you have a client, you have your subject, and you're gonna create an experience. And then from that experience, great pictures. So I think it's broader than possibly the mastering portrait photography title gives it. Um, but it covers a little bit of all bases. And it certainly has enough in there to say, actually there's, there's stuff in there that if you do this, it really is quite, um, sophisticated. Yes. Do you, we don't know at this stage in terms of whether it'll be translated into other languages that that usually comes a year after, doesn't it? After the, you last time, say. It was only when I started getting emails in Italian. Yes. Um, that I noticed what happened. And we didn't know if you remember that it was in Chinese and Korean no. we started to put the marketing together for this book. Yes. And we asked the publisher AB, in absolute terms, how many copies have you sold? Yes. And they back with different language versions that we never knew about. Yeah. So, you know. Been been a, a journey of discovery, a journey. a journey. Yes. So, yeah, who knows? I, I really hope they do, uh, create some, uh, different language versions of it. 'cause there's nothing quite like seeing your work in Italian, Yes. So, And, and Chinese, I think that's the one I find the, the most intriguing. Sarah: So the book is officially launched next Tuesday, I believe. Is the 28th. The 28th. Um, so what, what's on the horizon next is what, what are you gonna be doing with the book and knows? Um, I mean, obviously the first thing we've gotta do is get through the launch of the book. Yes. Um, which is exciting. And obviously us two have been walking the studio trying to figure out how to tidy the whole place up. 'cause we haven't done a full on party probably since the last book. No. Or thereabouts. So we've we're inviting. Everybody who's featured in the book Yeah. Um, to a, a launch at the weekend. Yeah. Um, and we are refreshing all of the pictures in the studio, uh, to reflect the pictures that are in the book as well. And it's just, it'll be such a lovely thing to do and it's, I can't wait to see everything when it's up. Yeah. So that's, but next week's gonna be a bit fraught It's 'cause in the middle of all that, I think I've got five shoots to work my way through. Right. I don't sleep much. I a challenge. Yeah. I'm not, I'm I'm not being super, thankfully. Um, so there's that. And then, you know, once that gets rolling, of course I go back to our regular job. I'm judging for the British Institute. Professional photographers print competition straight after. So we've got. A big bash on the Saturday night. Yeah. Uh, for all of our, all the people in the book on the Sunday, we're inviting anybody's around to come and a studio open day, studio open day in the afternoon. And then at some point in that afternoon, I have to go all the way up to Preston Salubrious, uh, Preston, to go and begin the process of judging the print competition for the 2025 print masters. So a lot going on. And you're gonna be busy signing books as well. yeah, It's been a while since I've had to sit and do a big a book signing, but there's a load of that going on. Yeah. Uh, it's just lovely. exciting. It really is. Well, I think that just about brings us to the end of everything. So I've enjoyed being on the other side of everything. Sarah: So I'd just like to say, Paul, thank you ever so much for letting me do that and sitting on the other side of the mic today, um. We have got a limited number of copies here at the studio that Paul can sign, but they will be available at all. Good bookshops, um, with water zones. I think there's some competitions going where they will be with Graphistudio and with. Um. A professional photo. Yeah. Yep. So there's, there's lots of ways for you to get your hands on it and uh, we'd love to know what you think of it and um, especially if you've got the first version and seeing the second version, we'd love some feedback 'cause we are so proud of it. And especially with the pictures in there, and if you can tell us what's that, what's the picture in there that, that haven't been changed? That will be even better. There's no prize. So, no, thank you. Thank you very much. Well, it's a pleasure. And you know what you've gotta say now, don't you? What's that? If you've enjoyed this podcast, is it? No. If you've enjoyed this podcast, please head over to mastering portrait photography.com, which is full of articles. And as it happens, I'm doing all of the behind the scenes diagrams and stories for the images that are in this book. It'll probably take me 10 years to get there, but there's a couple of hundred of those. Uh, and of course, whatever else you do. be kind to yourself. Take care guys.  

It's a First Alert Weather Day with the winds expected to pick up as emergency officials keeping a close eye on conditions. This, as Big Island police investigate a string of suspicious brush fires in Kailua-Kona. And an NBA player and head coach were arrested after federal investigators uncovered a major gambling scandal that hass rocked the sports world. See omnystudio.com/listener for privacy information.

It is a First Alert Weather Day; high winds and dry conditions in our forecast are the perfect ingredients for critical fire weather. We have new details on a deadly crash in North Hilo yesterday. And Volcanoes National Park is still open during the government shutdown, but some visitors say they did not see any park rangers during last Friday's eruption.See omnystudio.com/listener for privacy information.

Dr. Vera Tarman sits down with Dr. Cate Shanahan, family physician, nutrition consultant, and author of Deep Nutrition and Dark Calories, to discuss her case against industrial seed oils, how they may influence metabolic and mental health, and why she believes they can intensify sugar cravings and insulin resistance. We explore mechanisms she proposes (oxidation, mitochondrial stress), the “Hateful Eight” oils, and practical swaps that listeners can try if they choose to reduce seed oils. This episode presents a viewpoint that's debated in nutrition science; we encourage critical thinking, self-experimentation within a safe plan, and consultation with your care team. What we cover Seed oils vs. sugar: Why Dr. Shanahan argues seed oils may drive sugar cravings and insulin resistance. Oxidation & mitochondria: Her biochemical rationale for how highly unsaturated oils can oxidize and affect cell energy. The “Hateful Eight”: Corn, canola, cottonseed, soybean, sunflower, safflower, rice bran, grapeseed—why she cautions against them. Historical context: Marketing, refinement, and how these oils entered the food supply. Mental health & cravings: Proposed links between oxidized fats, energy instability, mood, and appetite signals. Practical swaps: Unrefined olive, avocado, coconut, butter/ghee; flavor-forward nut/seed oils used unheated; reading labels and cooking at home. Diet nuance: Why some low-carb or plant-forward eaters thrive when minimizing seed oils; where refined proteins fit. Key takeaways If you experiment with reducing industrial seed oils, pair it with whole-food carbs and adequate protein to support energy stability. Favor unrefined, flavor-forward oils (e.g., extra-virgin olive oil) and avoid reheating/frying oils repeatedly. Improvements people report first: steadier energy, fewer GI symptoms, fewer cravings—but your mileage may vary. This topic is scientifically contested; treat it as a hypothesis to test safely, not a moral rule. About Dr. Cate Dr. Cate Shanahan is a board-certified Family Physician with over 20 years of clinical experience reversing disease at its root by avoiding the big three toxic ingredients. She has spent decades translating the warnings of toxicologists about the harms of vegetable oils and sharing those insights here on DrCate.com, with patients, podcast hosts, and in her NY Times bestselling books, including The FatBurn Fix, Deep Nutrition, and Food Rules.  Her passion is helping people feel their best. After getting her BS in biology from Rutgers University, she trained in biochemistry and genetics at Cornell University's graduate school before attending Robert Wood Johnson Medical School. She practiced in Hawaii for ten years where she studied ethnobotany and her healthiest patient's culinary habits. She combined all these scientific fields to write Deep Nutrition: Why Your Genes Need Traditional Food. Together with Dr. Tim DiFrancesco and NBA legend Gary Vitti, she created the PRO Nutrition program for the LA Lakers and helped forge a partnership between Whole Foods Market and numerous NBA teams. Her insights on the role of seed oils in human disease have been incorporated into Paleo, primal, low-carb, and keto practices.   In May of 2018, she began as Director of Metabolic Health at ABC Fine Wine and Spirits, a progressive, family-run company focused on saving money while improving health.  She's also the Medical & Scientific Advisor at CB Supplements, overseeing their premium-grade multi-collagen protein, and for Beliv, a forward-thinking Latin American beverage company. Follow Dr. Cate: Website: https://drcate.com/  Dr. Cate's books: https://drcate.com/which-drcate-book-should-i-buy/ Facebook: https://www.facebook.com/DoctorCate/ Instagram: https://www.instagram.com/drcateshanahan   The content of our show is educational only. It does not supplement or supersede your healthcare provider's professional relationship and direction. Always seek the advice of your physician or other qualified mental health providers with any questions you may have regarding a medical condition, substance use disorder, or mental health concern.  

Get Elaine's book here: https://a.co/d/2o36QzRIn this episode, Elaine Ryan joins the PM Podcast Videos to share her journey as an artist, sync agent, and author. Get the inside scoop on her music career, experience with sync licensing, and her new book for musicians.Elaine Ryan's background: from Ireland to Canada, her leap from law school to a full-time music careerHow she made a living as a gigging musician in Hawaii and the Bay AreaHer path into sync licensing and launching “Sync Music for a Change”Building the Unicorn Sync agency and curating music for supervisorsInsights from her new book "Living a Music Centered Life" and practical advice for musicians seeking balance and fulfillmentCheck out the full conversation for actionable tips and honest perspectives on making music your life!Become more Profitable in just 3 minutes per day. http://profitablemusician.com/join

Join Kayla Fratt (K9Conservationist) for a enlightening conservation with Kyoko Johnson and Marlee Monahan (Conservation Dogs of Hawaii), Sally Dickinson (Virginia Tech), and Arden Lumenfall (New York-New Jersey Trail Conference) as we learn about how organizations across the USA are engaging with their communities and using the power of volunteer detection dog teams to help further research and initiatives. Come along as they discuss how volunteers have helped further their causes, how they select dogs, and some of the challenges of using volunteers in the field.This episode also features a science highlight on hard ticks (Dermacentor albipictus) and the effectiveness of detection dogs vs traditional tick drag survey methodshttps://parasitesandvectors.biomedcentral.com/articles/10.1186/s13071-024-06519-8 Sally Dickinson - Virginia TechSally's publications https://data.lib.vt.edu/authors/Sally_Dickinson/11235291 Instagram https://www.instagram.com/vtcals?utm_source=ig_web_button_share_sheet&igsh=MW5kN2puMzY1MDQ2bg==  Kyoko Johnson and Marlee Monahan - Conservation Dogs of Hawaii Instagram https://www.instagram.com/conservationdogshawaii?utm_source=ig_web_button_share_sheet&igsh=MTIyOTljbzF6bjJ3Yw== Website https://www.conservationdogshawaii.org/volunteer/ Arden Lumenfall - New York-New Jersey trail conference Instagramhttps://www.instagram.com/nynjtc_conservationdogs?utm_source=ig_web_button_share_sheet&igsh=YWQ5Y3VjcjlsdGs= Website https://www.nynjtc.org/conservation-dogs/