Podcasts about HB

ICYMI: Hour Three of ‘Later, with Mo'Kelly' Presents – “What's Up” with regular guest contributor Nick Pagliochini delving into everything the Southland has to offer; from what to expect at Knott's Scary Farm, Halloween Time at the Disneyland Resort, and the not to be missed Midsummer Scream Convention. Nick also dropped details on the International Surf Festival in the South Bay, Lexus US Open of Surfing in HB, and wrapping up with CHOC Walk in the Park at the Disneyland Resort. Check the link in bio @NickPagliochini and @ThisWeekendWithNick on social media to learn about these jewels and so much more…PLUS – Thoughts on ongoing ‘Oscars Slap Fallout' resulting in Will Smith selling multiple homes, and reportedly living apart from Jada Pinkett Smith - on KFI AM 640…Live everywhere on the iHeartRadio app & YouTube @MrMoKelly

ICYMI: ‘Later, with Mo'Kelly' Presents – “What's Up” with regular guest contributor Nick Pagliochini delving into everything the Southland has to offer; from what to expect at Knott's Scary Farm, Halloween Time at the Disneyland Resort, and the not to be missed Midsummer Scream Convention. Nick also dropped details on the International Surf Festival in the South Bay, Lexus US Open of Surfing in HB, and wrapping up with CHOC Walk in the Park at the Disneyland Resort. Check the link in bio @NickPagliochini and @ThisWeekendWithNick on social media to learn about these jewels and so much more - on KFI AM 640…Live everywhere on the iHeartRadio app & YouTube @MrMoKelly

A good friend of mine at the College put it like this: “Remember who you are and what you stand for.” Guys, listen: we aren't Jesus followers just for ourselves. We do life his way because our kids are watching, and our grandkids, and our neighbors, and our classmates, and our colleagues … and our enemies, even. And who we are and how we live will be a far more powerful testimony for or against Jesus than anything we say. Do you get that? The other two parts just unpack it, a bit. I will support the testimony of my church … by attending faithfully … because, guys, it is who we are and what we do! The book of Hebrews put it like this: “Let us think of ways to motivate one another to acts of love and good works. And (here it is) let us not neglect our meeting together, as some people do, but encourage one another, especially now that the day of his return is drawing near.” (Hb 10.24-25).

Devocional do dia 27/07/2025 com o Tema: "Prisão” Em sua vida cristã, o apóstolo Paulo vivenciou muitas situações de encarceramento. Em uma delas, escreveu a seu amigo e irmão Filemom. Toda e qualquer situação poderia ser útil para o avanço do Evangelho, de forma que a carta é escrita justamente para que este irmão recebesse Onésimo, um escravo fugido que, ao se encontrar com o apóstolo, foi evangelizado e se tornou um cristão, um irmão na fé para Filemom. LEITURA BÍBLICA: Filemom 1.22-25 Lembrem-se dos que estão na prisão, como se estivessem aprisionados com eles; dos que estão sendo maltratados, como se vocês mesmos estivessem sendo maltratados (Hb 13.3).See omnystudio.com/listener for privacy information.

OA1175 - How much of a restriction on your First Amendment rights is it to have to upload an ID to access an adult website? That is the question at the heart of Free Speech Coalition v. Paxton, the Supreme Court's recent review of age verification laws such as Texas's HB 1181. Matt explains how this newly precedential application of intermediate scrutiny to these kinds of restrictions on adult content could have real implications for the future of other kinds of unpopular speech. Then for more context we welcome Zeve Sanderson, the Executive Director of the NYU Center for Social Media & Politics. Zeve and a team of other researchers have recently published the leading findings on the actual effects of age verification on browsing habits, which he takes us through while also explaining some possibly less-restrictive alternatives to current verification methods. U.S. Supreme Court's decision in Free Speech Coalition v. Paxton (6/27/2025) Audio of Free Speech Coalition v. Paxton SCOTUS oral arguments (1/15/2025) Do Age Verification Bills Change Search Behavior? A Pre-Registered Registered Synthetic Control Multiverse, David Lang Benjamin Listyg† Brennah V. Ross‡ Anna V. Musquera Zeve Sanderson (March 2024) Zeve Sanderson's website

Visit Good Morning Gwinnett For More NewsA transformative political shift is emerging in Gwinnett County, Georgia, where two Democratic candidates are launching ambitious campaigns that could reshape the region's political landscape. Their efforts represent a significant challenge to traditional Republican strongholds and highlight the evolving demographics and priorities of this crucial suburban battleground.In House District 106, Akbar Ali has stepped forward as a groundbreaking candidate following Rep. Shelly Hutchinson's departure. As a first-generation American and small business owner with deep roots in the Gwinnett Democratic Party, Ali brings both fresh perspective and practical experience to the race. His "New Generation" campaign directly addresses the pressing challenges facing district residents, with a particular focus on affordable housing, civil rights protection, and healthcare accessibility. Ali's campaign message resonates strongly with local concerns, as evidenced by his pointed observation that "Healthcare is out of reach, housing is unaffordable, and the families that built this community are being pushed away."The strength of Ali's campaign is further demonstrated by an impressive roster of endorsements from influential local leaders. Support from Gwinnett County Commissioners Kirkland Carden and Ben Ku, District Attorney Patsy Austin-Gatson, and State Senator Sheikh Rahman underscores his credibility as a serious contender. These endorsements suggest broad confidence in Ali's ability to effectively represent the interests of working families across Snellville, Lawrenceville, and Lilburn.House District 99 is witnessing an equally compelling political narrative with Michelle Kang's return to the campaign trail. Her previous bid demonstrated remarkable potential, coming within just 621 votes of defeating Republican incumbent Matt Reeves - a near-victory achieved without substantial support from political action committees or party infrastructure. Kang's renewed campaign carries forward momentum from this close contest, with her emphatic declaration that "This time, we're finishing what we started."Kang's platform presents a comprehensive progressive agenda that addresses multiple facets of community need. Her policy priorities include implementing universal childcare subsidies, establishing rent stabilization measures, expanding Medicaid coverage, and strengthening protections for immigrant communities. As a Korean American immigrant herself, Kang has taken a particularly strong stance against Georgia's controversial HB 1105, which requires local law enforcement to collaborate with federal immigration authorities. Her grassroots campaign resonates deeply in the diverse communities of Suwanee, Duluth, and Sugar Hill.These campaigns reflect Gwinnett County's dramatic evolution from reliable Republican territory to competitive political battleground. Both candidates represent a new wave of progressive leadership that mirrors the county's increasing diversity and changing demographics. Their platforms emphasize grassroots engagement and focus intently on addressing the everyday challenges facing working families in their districts.The timing of these races adds strategic significance to their campaigns. Ali's special election will serve as an immediate test of Democratic momentum in the region, while Kang's 2026 rematch against Reeves will help determine longer-term political trends. As Kang notably observed, "House District 99 isn't red or blue—it's ready," suggesting these races may transcend traditional partisan divisions.The emergence of candidates like Ali and Kang, with their focus on affordable housing, healthcare access, immigration reform, and public education, signals a potential watershed moment in Gwinnett County politics. Their campaigns represent not just individual races but a broader movement toward progressive policies and diverse representation in one of Georgia's most dynamic regions. The outcomes of these contests could have far-reaching implications, potentially influencing the balance of power in the state legislature and offering insights into the future direction of Georgia politics.These races exemplify the changing face of suburban Georgia politics, where increasingly diverse communities are demanding representation that reflects their experiences and addresses their needs. The success or failure of these campaigns will likely serve as important indicators of political transformation in similar suburban districts across the state and region.Become a supporter of this podcast: https://www.spreaker.com/podcast/good-morning-gwinnett-podcast--3262933/support.

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   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  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   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 Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   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  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

In this powerful episode of the Street Gospel Podcast, we sit down with Jimmy Queen, a true Huntington Beach original, who gets real about growing up in HB, hitting his lowest point, and the journey back through faith, training, purpose and relentless effort.Jimmy opens up about how Christ completely transformed his life, the role that fitness plays in his mental and spiritual health, and why giving it your best every single day matters—no matter where you've been.This is a story of redemption, discipline, and the gritty hope found in a life surrendered to something greater.—

简介： 上周和hb去了上海当代艺术博物馆（PSA）的两个建筑大展。一个是从香港M+过来的贝聿铭展，展期到8月10日，另一个是阿尔瓦罗·西扎的档案展，展期到9月7日。 我们先是介绍（吐槽）了两个展览的策展，然后从两个人的生平、性格、和设计手法聊开去。 贝聿铭，出生名门，不论是求学时期还是建筑实践时期都可以说是往来无白丁，一生就是高举高打； 西扎，也早早展露头角，但始终是本土的、细腻的、工匠的、朴素的。 两人的生平不同、性格不同、项目类型不同、做事方法不同 ，因此展览所呈现出来的东西也不同。看两个展览就仿佛看到他们两个人的性格，有很多感触和启发。 推荐朋友们快去看，不要错过。 人物： 璟璐、hb 相关链接： 2017年的一篇西扎采访 (https://www.archdaily.com/803250/interview-with-alvaro-siza-beauty-is-the-peak-of-functionality) 音乐： 西扎哼唱 The Beatles 的 When I'm Sixty-Four (https://www.youtube.com/watch?v=IiqWTQBSi-E) 参考图片： 西扎与他的速写 https://franklandau.com/media/picture-teaser/siza-alvaro-01.jpg 贝聿铭和政府官员一起在为卢浮宫挑选玻璃 https://kanto.ph/wp-content/uploads/2024/10/I.-M.-Pei-IM-Pei-Life-Is-Architecture-M-Hong-Kong-Ieoh-Ming-Pei-Shirley-Surya-Kanto.PH-Kanto-Creative-Corners20-scaled.jpg 西扎学生时期的四个住宅 https://img.bndlyr.com/nsa343pdfl/_assets/quatro-casas_diana-cruz.jpeg?fit=fill&w=800 西扎的海滨泳池 https://images.divisare.com//images/c_limit,f_auto,h_2000,q_auto,w_3000/v1538262353/b8uxtqnjwucjs399d0vc/alvaro-siza-vieira-giovanni-amato-piscina-das-mares.jpg 西扎为其中一个集合住宅画的草图 https://cdnv2.ruguoapp.com/Frv7JEFnG0-PzwoKlqKNgqStSA3lv3.heic?imageMogr2/auto-orient/heic-exif/1/format/jpeg/thumbnail/2996501@ 西扎在烟盒上的速写 https://cdnv2.ruguoapp.com/Fir5bEvuAp0Zxgqqm1-2hMlaletCv3.heic?imageMogr2/auto-orient/heic-exif/1/format/jpeg/thumbnail/2250000@ 卢浮宫的草图 https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcTII8xNqpvqKvj9JD8D3RZXoznaYHgNK0tDlA&s 卢浮宫的diagram https://www.re-thinkingthefuture.com/wp-content/uploads/2020/12/A2527-Case-Study-Louvre-Pyramid-Image-4.jpg?w=999 路易康的Exeter Library https://images.adsttc.com/media/images/5037/e188/28ba/0d59/9b00/01bd/newsletter/stringio.jpg?1414261104 收听方式： 推荐在泛用性播客客户端中搜索「所建所闻」订阅之后收听。 苹果手机推荐使用Podcasts、Overcast、Castro 安卓手机推荐使用AntennaPod、Pocket Casts、Castbox 此外还可以在「小宇宙」及Spotify上收听。 联系方式： 网站：architalk.xyz 邮箱：hi@architalk.xyz 新浪微博：所建所闻 (https://m.weibo.cn/profile/6895347942) Twitter：ArchiTalkXYZ (https://twitter.com/ArchiTalkXYZ) Instagram：architalk.xyz (https://www.instagram.com/architalk.xyz/) Special Guest: hb.

Bis Ende Juli werden Haltestellen und Gleise beim Zürcher HB komplett saniert. Betroffen davon sind ganze elf Tram- sowie zwei Buslinien. Hinzu kommen tausende Pendlerinnen und Touristen, die Mühe habe, sich in dieser Mega-Baustelle zurecht zu finden. Weitere Themen: · Konsequenz aus Fall Garcia: Wahlbeschwerden können beim Verwaltungsgericht eingereicht werden. · Parteien von Mitte-Links kritisieren Regierungsrat wegen Stellungnahme zum Energiegesetz. · Regionalwachen der Stadtpolizei Zürich sind samstags nicht mehr geöffnet. · Knonauer Amt erhält doch noch ein Gymnasium. · Der aus Winterthur stammende Sänger Alexander Kordzaia im Visier der georgischen Behörden. · Regionaljournal-Sommerserie, Teil 4: Bunker.

Die Aargauer Staatsanwaltschaft hat fünf junge Männer wegen Sabotageakten am Glasfaser-Kabelnetz in Rheinfelden AG angeklagt. Die Anklage wirft den drei Hauptbeschuldigten noch viele weitere Delikte vor. Diese Männer sollen zu Freiheitsstrafen von zehn, acht und sechs Jahren verurteilt werden. Ausserdem: · Berner Gebäudeversicherung setzt auf KI · Baustellen-Chaos vor dem Zürcher HB

The machining of advanced materials presents challenges that demand specialised tooling solutions. CERATIZIT has now developed two milling systems that meet the specific requirements of difficult-to-machine materials: the MonsterMill ISO-S for nickel-based alloys and titanium, and the MaxiMill S-Power for cast iron applications. A Monster That Conquers Nickel-Based Alloys The machining of nickel-based alloys such as Inconel, Hastelloy, and Waspaloy present significant challenges. CERATIZIT's redesigned MonsterMill ISO-S range addresses these challenges through a carefully engineered carbide substrate, advanced coating, and optimised geometry. The geometry has been specifically adapted to minimise heat and the polished chip flutes work in conjunction with an optimised coating to reduce friction. The irregular cutting edge pitch, combined with a variable helix angle, effectively minimises vibration during operation. This design feature significantly enhances machining performance while helping to prevent catastrophic tool failure. Microgeometry plays a crucial role in the tool's performance. The precision-engineered preparation of the cutting edge reduces cutting forces while stabilising the edges. The design takes into account regrindability from the outset, offering clear advantages in the reconditioning process. The DPX22S Dragonskin coating represents a significant technological advancement. Applied in 4 to 6 microns layers, the coating provides thermal stability through its specialised layered structure. Four-edge cutters come in two different lengths with diameters ranging from 3 to 20mm, available with both HA and HB shank configurations. Five-edge variants offer diameters from 3 to 16mm with similar shank options, while the new six-edge configuration covers diameters from 6 to 16mm with HA shanks. Corner radii options range from 0.2 to 5mm for the four and five-edge variants, with the six-edge version providing 0.2 to 2mm radii. Optimised Cast Iron Machining Cast iron also presents its own set of challenges. Here, the MaxiMill S-Power series addresses these issues through a high tooth count design utilising double-sided indexable inserts. The key innovation lies in the tool's ability to support an optimal number of cutting edges. The 88-degree setting angle enables a high tooth count while preserving small chip spaces, accommodating 12 teeth on a 63mm diameter cutter. The double-sided indexable inserts boast eight actual cutting edges crafted from carefully selected substrates and finished with DRAGONSKIN coatings. This design maximises insert utilisation while ensuring consistent performance throughout the insert's lifespan. The inserts are peripherally ground to achieve precise tolerances and a superior surface finish. Available in standard diameters ranging from 56 to 125mm, the MaxiMill S-Power accommodates maximum cutting depths of approximately 8mm while maintaining efficiency through its high tooth count. The system is optimised for GJS, GJV, and GJL cast iron grades, with recommended feed rates between 0.08 and 0.15mm. The indexable insert range includes ISO P/K classifications with M cutting edge geometry, offering corner radii of 0.4, 0.8, and 1.2mm to meet various application requirements. Grade options encompass CTPK220, CTCP230, and ceramic variants to suit specific material and operating conditions. While the MonsterMill ISO-S addresses the thermal and mechanical challenges of aerospace-grade superalloys, the MaxiMill S-Power tackles a completely different set of problems encountered in high-volume cast iron production. Where the MonsterMill ISO-S utilises advanced geometry and coating technology to withstand the extreme conditions of nickel-based alloy machining, the MaxiMill S-Power leverages mechanical design advantages to improve cast iron processing.

NCAA Legend: Billy Cannon, HB, LSU Broadcasting live from Atlanta, GA since 2018 with host Harper LeBel, co-founder Vincent Turner and producer Logan Landers. We are 100 Yards of Football. Live from Atlanta, Georgia! Visit us online many.link/100yardsoffootball Listen to the PODCAST daily: 100 Yards of Football https://many.link/100yardsoffootball, Want to create live streams like this? StreamYard: https://streamyard.com/pal/d/58362923...

NCAA Legend: Barry Sanders, HB, Oklahoma State Broadcasting live from Atlanta, GA since 2018 with host Harper LeBel, co-founder Vincent Turner and producer Logan Landers. We are 100 Yards of Football. Live from Atlanta, Georgia! Visit us online many.link/100yardsoffootball Listen to the PODCAST daily: 100 Yards of Football https://many.link/100yardsoffootball, Want to create live streams like this? StreamYard: https://streamyard.com/pal/d/58362923...

In this Topical Tuesday episode, I spoke with Sam Morris who is a Partner at Lone Star Capital, where he oversees acquisitions, asset management, and investor relations. Be sure to tune in if you're interested in learning about: The HB 21 legislation and how it affects tax abatement strategies in Texas multifamily deals The difference between in-jurisdiction and out-of-jurisdiction HFCs, and why the “traveling HFC” model is under fire Key investor concerns like the new rent reduction test and the lack of a grandfather clause The potential legal and financial ripple effects of the law—including lender lawsuits and risk to affordable housing supply To your success, Tyler Lyons Resources mentioned in the episode: Sam Morris Website Email Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

Leaders of Kentucky universities testified about how they're implementing HB 4, a new case of measles is confirmed in Kentucky, a transgender inmate challenges Kentucky's ban on gender-affirming care for inmates, and a Kentucky city is transforming an area into a new community.

Brad McElhinny has details on the WV School Board challenging HB 2755, giving the legislature oversight of board policy. Steven Allen Adams drops by to talk economic development happening north of the border. Are WV's civics education standards getting the job done? Plus, an update on WV teachers attending the Ron Clark Academy. 

This summer we are highlighting some of your favorite podcasts from the past year! In this episode of Pastor Matters, the podcast team welcomes HB Charles Jr., author and veteran pastor of Shiloh Metropolitan Baptist Church in Orange Park, Florida, about the intricacies of pastoral ministry. They discuss the importance of preaching, the challenges of counseling, the significance of mentorship, and the necessity of balancing family life with ministry responsibilities. HB shares personal anecdotes and practical advice for both new and seasoned pastors, emphasizing the need for prayer, preparation, and patience in navigating the complexities of church leadership. We hope this episode is encouraging to you today! Let us know how this episode encouraged you or share any feedback you have by emailing us at pastorscenter@sebts.edu. Resources in this episode: www.HBCharlesJr.com www.Shiloh.Church It Happens After Prayer by HB Charles Jr. Pastor Matters is produced by Southeastern Baptist Theological Seminary. Find out how Southeastern can equip you to GO by visiting sebts.edu.

  00:00 Intro and Max Triggering People  3:06 - Max goes to Holland for a Wedding Pekko is going to swimming with Great White Sharks 11:23 - Kilics out from 6Mik 17:12 - Palsson out of HB & Shumacher Prototype Fake News?  24:00 - Back To Barcelos!  30:13 - The Track- Pekko Compares Oil vs Glue Tracks  46:00 - Qualifying  1:04:54 - Orlowski Kerffule 1:13:30 - Semi Finals 1:37:58 - Last Chance Qualifier  1:50:40 - A Final 2:07:29 - The Viking is Back & Can XRAY do the Sweep?  2:16:07 - Euros Winners & Losers  2:30:25 - Bench Racing Q&A - Practice  2:42:40 - Euros track too easy ?  2:56:50 - Faster Pits USA or Europe & Conclusion   

Alles van en over Martine en HSP, HSS, HB en Human Design op http://martinedetroije.nl , dit gesprek in video: https://youtu.be/TId91o0Aexk

With the passage of House Bill 2089 in late June, Oregon has ended the practice of “home equity theft,” by bringing state law into compliance with the Supreme Court's unanimous 2023 Tyler ruling. Two years ago, the U.S. Supreme Court ruled in favor of a Minnesota grandmother, Geraldine Tyler, who lost her condo when she failed to pay the property taxes. Ms. Tyler argued that her county violated the Constitution's Takings Clause when it kept a $25,000 surplus after her property was foreclosed and sold to pay the taxes.Oregon has been one of nine states whose tax foreclosure laws allowed such “home equity theft.” The key requirement of the unanimous ruling in Tyler v. Hennepin County⁠ says governments must create a system to return surplus equity to owners after property taxes, fees, and interest are paid on foreclosed property. After the Tyler decision, it became clear Oregon's law needed revision.Cascade Policy Institute worked with Pacific Legal Foundation (who represented Ms. Tyler) and other stakeholders to bring Oregon law into compliance with Tyler. House Bill 2089 provides a process to ensure that counties retain what they are owed in back taxes, and no more, giving the original owner claim to any surplus value.The Tyler ruling was a big victory for property rights, effectively ending the practice of government “home equity theft” by ruling it unconstitutional. HB 2089 ends home equity theft in Oregon, too.

On June 27, the Supreme Court voted 6–3 to uphold a Texas law requiring pornography websites to verify the age of their visitors. The law, HB 1181, compels sites that contain more than one-third “sexual material harmful to minors” to use “reasonable age verification methods” (such as government identification or other personal documents) to determine whether users are over the age of 18. The challengers argued the law violates the First Amendment by creating an unfair free-speech burden on adults. Ad-free podcasts are here!Many listeners have been asking for an ad-free version of this podcast that they could subscribe to — and we finally launched it. You can go to ReadTangle.com to sign up!You can read today's podcast⁠ ⁠⁠here⁠⁠⁠, our “Under the Radar” story ⁠here and today's “Have a nice day” story ⁠here⁠.Take the survey: What do you think of the Supreme Court's ruling? Let us know!Disagree? That's okay. My opinion is just one of many. Write in and let us know why, and we'll consider publishing your feedback.You can subscribe to Tangle by clicking here or drop something in our tip jar by clicking here. Our Executive Editor and Founder is Isaac Saul. Our Executive Producer is Jon Lall.This podcast was written by: Isaac Saul and edited and engineered by Dewey Thomas. Music for the podcast was produced by Diet 75.Our newsletter is edited by Managing Editor Ari Weitzman, Senior Editor Will Kaback, Hunter Casperson, Kendall White, Bailey Saul, and Audrey Moorehead. Hosted on Acast. See acast.com/privacy for more information.

EP 206: We are taking calls from listeners about HB 1431 repealing Sunday hunting prohibitions in Pennsylvania.  Enjoy!  IF YOU WANT TO SUPPORT THE SHOW, CHECK OUT OUR PATREON! The Whitetail Distraction Podcast is creating Podcasts and Videos | Patreon   If you want some badass broadheads, head over to https://www.viparchery.com or give Matt and Cindy Futtere a call and tell them the Whitetail Distraction Podcast boys sent you. They are truly some of the best people in the business! The new Combat Veteran will cause major damage to the intended target as combat veterans are trained to do! They also have a brand-new line of products ranging from inserts to broadheads. One of the best seed companies in the game has agreed to offer 10% off! Go check out Back Forty Seed Co. and use code DISTRACTION10. https://backfortyseedco.com Our newest partner on the show - check out their full lineup of products at www.vparchery.com use discount code WDP for 10% off or the new project at www.50forged.com Skre Gear is back!! You know the routine, high quality products with a lifetime warranty at an affordable cost! Check their growing lineup at www.skregear.com Like this episode? Head over to iTunes and give us a 5 star rating and leave a review. Not hearing what you like, or just simply have suggestions? Send us an email at TheWhitetailDistractionPodcast@gmail.com   Also, check us out on Facebook, Instagram, and YouTube @TheWhitetailDistractionPodcast, Twitter @TheWDPodcast and TikTok @TheWhitetailDistraction. The Distraction is Real!

Stories we're following this morning at Progress Texas:The latest on the July 4th floods in Kerr County and across Central Texas, where the death toll has surpassed 80 and over 40 remain missing: https://abcnews.go.com/US/live-updates/texas-flooding-updates-13-dead-20-campers-unaccounted/?id=123488468...County and state leaders immediatly attempted to shift blame to weather forecasters - did they get it wrong? https://www.npr.org/2025/07/06/nx-s1-5458512/texas-flash-flood-weather-forecast...Those same leaders themselves acknowledge cell coverage and public flood warning infrastructure shortfalls that might have made a difference: https://www.bbc.com/news/articles/c0rvp24wvrqo...Kerr County has passed on building outdoor flood siren warning systems for years, finding them too expensive: https://www.nytimes.com/2025/07/06/us/texas-flood-warnings-sirens.html...State Rep. Wes Virdell, one of only 14 House members to vote against HB 13, which would have established new emergency infrastructure funding had it not died in the house, says events of this weekend have made him reconsider that vote: https://www.texastribune.org/2025/07/06/texas-disaster-warning-emergency-communication-bill-kerrville-floods/...The flood itself is considered by many climate experts as a prime example of the type of weather behavior we can expect to see more frequently due to human-influenced climate degradation: https://www.axios.com/2025/07/06/climate-texas-tragedy-future...Legendary Austin meteorologist Jim Spencer responds to Facebook trolls accusing him of "politicizing the situation": https://www.facebook.com/share/p/1aoZ5DZ5ov/?mibextid=wwXIfrThe merch to match your progressive values awaits at our web store! Goodies at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://store.progresstexas.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Thanks for listening! Find our web store and other ways to support our important work at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://progresstexas.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In today's episode, Julie Anderson and Mr F. join me to talk about the recent Delaware House Bill 162, what's next and what that means for Multi Level Marketing in the future. Plus Mr. F shares some insight into Lobbying and things get Canadian.Show NotesFollow Julie : Instagram | TikTok | Facebook | YouTubeContact Melanie Ross Levin : Email | Meet your RepresentativeContact your elected officialsDelaware HB 162HB 162 – Providing Consumer Protections for Multi-Level Marketing ParticipantsDave Grimaldi re: HB 162 Passing (Vimeo)Always Marco's HB 162 LivestreamWhat Actually Caused the Downfall of QuiznosOut of MLM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The BITE Model⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LAMLM Book Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MLM Dupes⁠⁠⁠⁠⁠⁠⁠How can you help?⁠⁠⁠⁠⁠⁠⁠MLM Change⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report Fraud⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Truth in Advertising⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report to your state Attorney General's office!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Not in the U.S.? No Problem!⁠⁠⁠⁠⁠⁠⁠Support the Podcast!⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Buy Me a Taco⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ TikTok⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ YouTube⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Discord⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Merch!⁠⁠⁠⁠⁠⁠⁠Life After MLM is produced by Roberta Blevins. Audio editing is done by the lovely⁠⁠⁠⁠⁠⁠⁠ Kayla Craven⁠⁠⁠⁠⁠⁠⁠, video editing by the indescribable⁠⁠⁠⁠⁠⁠⁠ RK Gold⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠ Michelle Carpenter⁠⁠⁠⁠⁠⁠⁠ is our Triple Emerald Princess of Robots. Life After MLM is owned by Roberta Blevins 2025.Music : Abstract World by ⁠⁠⁠⁠⁠⁠⁠Alexi Action⁠⁠⁠⁠⁠⁠⁠*Some links may be affiliate links. When you purchase things from these links, I get a small commission that I use to buy us tacos.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ickonic - Question EverythingSheep FarmInfo@sheepfarm.co.ukwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:fDom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal Products &HB-SF25OFF for all HB other Products.But discount codes can be used at checkout.*Discount Codes only available on Health Bunker Products*Health Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK 

VOV1 - Chiều 3/7, Sở Văn hóa và Du lịch Hà Bắc, Trung Quốc và Trung tâm Văn hóa Trung Quốc tại Hà Nội phối hợp cùng Trường Ngoại ngữ - Du lịch, Trường Đại học Công nghiệp Hà Nội tổ chức Chương trình giao lưu, giới thiệu Văn hóa và Du lịch tỉnh Hà Bắc (Trung Quốc) năm 2025.

In this episode of the Heart of Rural America podcast, host Amanda Radke discusses the importance of private property rights, particularly in the context of recent legislative victories in South Dakota. She highlights the grassroots activism that led to the passing of HB 1052, which protects landowners from eminent domain abuses related to carbon sequestration projects. The conversation also delves into the implications of the Fifth Amendment and urges listeners to engage in their communities to safeguard their freedoms and property rights.TakeawaysThe episode emphasizes the significance of Independence Day and its connection to property rights.Amanda Radke celebrates a recent legislative victory in South Dakota regarding property rights.Grassroots activism played a crucial role in the legislative changes in South Dakota.The importance of the Fifth Amendment in protecting private property rights is discussed.The Kelo case is highlighted as a pivotal moment in the interpretation of eminent domain.Listeners are encouraged to engage in local governance to protect their rights.The episode calls for vigilance against government overreach in property matters.Radke shares personal experiences of activism against corporate interests.The need for community involvement in political processes is stressed.The episode concludes with a celebration of American values and the importance of standing up for freedoms.Order Amanda's book "Faith Family Freedom"Presented by Bid on Beef | CK6 Consulting | CK6 Source | Real Tuff Livestock Equipment | Redmond RealSalt | By-O-Reg+ | Dirt Road RadioSave on Redmond Real Salt with code RADKE at https://shop.redmondagriculture.com/Check out Amanda's agricultural children's books here: https://amandaradke.com/collections/amandas-books

NCAA Legend: JC Caroline, HB, Illinois Fighting Illini Broadcasting live from Atlanta, GA since 2018 with host Harper LeBel, co-founder Vincent Turner and producer Logan Landers. We are 100 Yards of Football. Live from Atlanta, Georgia! Visit us online many.link/100yardsoffootball Listen to the PODCAST daily: 100 Yards of Football https://many.link/100yardsoffootball, Want to create live streams like this? StreamYard: https://streamyard.com/pal/d/58362923...

Rick & Kelly's Huntington Beach home is really coming along, and they show off some of the most recent updates, including beautiful new tile on the back patio & wall, plus a fireplace re-do, new sofa and a cool new HVAC vent... plus some of Kelly's favorite things, details on HB's July 4th parade (the biggest west of the Mississippi!) and a groundbreaking decision that upends the future of men competing in women's sports IN THE NEWS, which of course leads to Kelly's decision to be a Special Olympian!For ALL THE THINGS KELLY LOVES, CLICK HERE:⁠⁠⁠⁠⁠⁠⁠⁠https://shopmy.us/kellyandrick⁠⁠⁠⁠⁠⁠⁠⁠Rick & Kelly are PROUD to be the OFFICIAL LAUNCH PARTNERS with SOULLIFE MINERAL SUPPLEMENTS here in America! Get the Rick & Kelly DOUBLE discount of $20 off per bottle by buying 2 or more bottles & hitting AUTO ORDER at:⁠⁠⁠⁠⁠https://soullife.com/rickandkelly⁠⁠⁠⁠Check out Rick & Kelly's favorite MAKE WELLNESS ingestible peptides HERE:https://boards.com/a/vL3gBe.kypDic Rick & Kelly proudly reveal their new DAILY SMASH MERCH WEBSITE is UP!!! Get your Smash hats, mugs, sweats and more at: https//dailysmashmerch.spiritsale.comBEAST:https://get.aspr.app/SJ19MvFor more info on how to book Kelly, Rick or the two of them for coffee, lunch, dinner or drinks, go to:https://www.fansocial.coRick & Kelly would love for you to join them on Patreon, where they post hour-plus long, commercial free episodes every week, including celebrity interviews, cooking segments and other videos you won't find on their YouTube channel!Sign up for the Rick & Kelly Show on Patreon.com now!⁠⁠ https:// www.patreon.com/rickkellyshow  ⁠⁠#fireworks #parade #america #americasbirthday #july4 #liathomas #upenn #trans #transgender #meninwomenssports #nomeninwomenssports #fairness #levelplayingfield #special #specialolympics #specialolympian #bicycles #bikes #jurassicpark #jurassicworld #minerals #peptides #rent #bestcities #tiktok #teresagiudice #luisruelas #longbeach #rhonj #unitedhealthcare #aetna #foxnews #policy #scam #happybirthday #19 #hongkong #paris #keywest #cabo #beast #koia #mermaidparade #beach #bicycles #bikeride #glass #plastic #newsyoucanuse #israel #iran #newsmax #newsmax2 #theleventhalreport #live #demonstrations #rhoc #kellydodd #cooking #kitchen #newkitchen #badasskitchen #zline #homeimprovements #tile #backsplash #paint #kitchen #remodel #fansocial #kellydodd #kellyleventhal #rickleventhal #newportbeach #huntingtonbeach #make #ingestible #ingestiblepeptides #peptides #california #californiagovernor #kitchen #irondoors #pinkys #beverlyhills #rhobh #realhousewives #patreon #jefflewislive #siriusxm #mulberrystreet #pickleballpartytown⁠⁠⁠⁠⁠

When Oregon lawmakers convened in January to kick off the 2025 legislative session, among their top legislative priorities was a transportation funding fix for the state’s aging bridges, highways and roads. But the Democratic supermajority failed to get a transportation package over the legislative finish line when the session adjourned on Friday night.    Democrats waited until the last month to unveil HB 2025, which would have generated nearly $12 billion over the next decade through a mix of taxes and fees, including hikes in the state’s gas tax and a new tax on vehicle sales. Republicans balked at the proposal, including several who had been working with Democrats on transportation funding.     Defections emerged among Democratic lawmakers as well, most notably from state Sen. Mark Meek, D-Gladstone, a member of the Joint Committee on Transportation Reinvestment. Senate President Rob Wagner, D-Lake Oswego, removed Meek from the committee on June 20 to boost the bill’s chance of passage. But on Friday, Democrats conceded they didn’t have the votes to pass it, and they had to abandon a last-ditch effort to raise the state’s gas tax by 3 cents to avert looming layoffs at the Oregon Department of Transportation.    Sen. Meek joins us to share his thoughts on the legislature’s efforts to tackle Oregon’s transportation challenges.  

Total Duration - 2:48.59AMAZON URL - Rise of the Clones, & The Cabbage Patch BabiesWhat if human cloning isn't a modern discovery, but an ancient technology rediscovered?Long before modern science, civilisations like the Sumerians and the Anunnaki may have practiced genetic manipulation, creating humanity as engineered slaves for labour and obedience, not children of gods. Myths like Adam and Eve and divine bloodlines could be encoded records of this lost history.Sheep FarmInfo@sheepfarm.co.ukwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:fDom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal Products &HB-SF25OFF for all HB other Products.But discount codes can be used at checkout.*Discount Codes only available on Health Bunker Products*Health Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK 

Put em' up folks! This time, Ty and HB are fighting. Episode theme: Punching up Games played in the show: Prince of Prussia Clash: Artifacts of Chaos Wolfstride Enemy Extreme Meatpunks Forever: Bound By Ash Ty HB Moonshot Network Edited by Wheels

25th June: Blockchain DXB podcast

This week marks a double birthday celebration on News Man Weekly — it’s our one-year anniversary, and we’re also toasting 12 years of independent local journalism at Richland Source. To mark the occasion, we’re joined by Source Media CEO Jay Allred for a wide-ranging conversation about the past, present, and future of the company he helped build from the ground up. Also in the studio this week is Dave Kracker, retired executive director of Richland County Children Services and a relentless advocate for public accountability. After a lifetime of service, Dave rolled up his sleeves for a new project: Digging into how local governments spent millions in American Rescue Plan Act funds. He talks us through what he uncovered, why he did it, and what it revealed. His research echoes what journalism strives to do — illuminate how public money is spent, and who benefits. In the News of the Week, we break down the U.S. bombing of Iranian nuclear sites in Operation Midnight Hammer, Olivia Fosson’s crowning as Miss Ohio at Mansfield’s Renaissance Theatre, the debate over affordable senior housing on the Ocie Hill site, and Mansfield Mayor Jodie Perry’s fierce opposition to House Bill 335, which could gut local government budgets across Ohio. News Man Weekly is proudly sponsored by Relax, It’s Just Coffee — where every day starts better. Find them at 105 North Main Street in downtown Mansfield. Grab a cup, take a breath, and enjoy the conversation. Relevant links & info: Kitts Hill native Olivia Fosson crowned Miss Ohio 2025 Land Bank gets public input for proposed Ocie Hill site development Mansfield mayor warns state lawmakers ‘irreparable harm’ HB 335 could do to cities Cruising into summer: Car show takes over downtown Shelby Sweltering summer heat doesn’t stop memory event at Jericho Wall in Mansfield Previous Richland Source ARPA reporting You can reach Dave Kracker and inquire about his ARPA reporting at hdpk38@gmail.com. Intro song credit: Smoke And Drink, by Luke Watson. Be a Source Member for unlimited access to local, independent journalism. 12% OFF in June with code "birthday" at checkout. Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Kyle Leng, Senior Compliance Officer at Airtower Networks, about the risks associated with buildings that lack strong wireless connectivity. These issues involve cellular, Wi-Fi, and public safety distributed antenna systems for first responders. Justin and Kyle discuss physical risks, but mainly the communication risks of not being able to call 911 or firefighters or police officers unable to radio out of the building. The discussion turns to IoT, and Kyle shares some of his experiences in bringing apartment buildings up to date with Wi-Fi and IoT, including scheduled technology security updates. Kyle speaks of the need to update stone buildings that block signals internally and deal with high-rises that block you from connecting to your cell tower.   Listen to learn more about updating wireless communication in your properties.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is emergency preparedness and wireless availability and capability, with Kyle Leng of Airtower. We've got some critical insights for anyone experiencing hurricane season. [:45] RIMS-CRMP Workshops! Register by July 1st for the next RIMS-CRMP Virtual Workshop, which will be co-led by Parima. That course will be held on July 8th and 9th. [1:02] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:20] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” RIMS members enjoy deep discounts! [1:35] A link to the full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:46] If you tuned in to the recent episode featuring James Lam, you will know that he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [1:59] The inaugural summer course is completely sold out! We are virtually filled to capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [2:19] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:42] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:50] On with the show! Our guest today is Kyle Leng, the Senior Compliance Officer at Airtower Networks. Airtower is a wireless infrastructure provider. [3:00] Kyle is here to discuss how risk managers can play a pivotal role in building and upgrading wireless connectivity for their buildings and organizations. [3:10] We're also going to talk about some of the legislation in the U.S. that could have a national impact on wireless capability and emergency preparedness. Let's get to it! [3:20] Interview! Kyle Leng, welcome to RIMScast! [3:32] Kyle is the Senior Compliance Officer at Airtower Networks. His primary focus is working with local governing bodies to install either public safety radio systems for first responders, cellular systems, or Wi-Fi enhancement systems. [3:50] Kyle makes sure Airtower Networks is evergreen on the local requirements and expectations, and the latest security protocols for those systems. [4:00] Kyle has been at Airtower coming up on a decade, and in the public safety sector for eight years. He is in high demand at Airtower, internally and externally. [4:17] The Airtower HQ is in D.C. There are also satellite offices. Kyle lives in Maryland. [4:40] If your building lacks wireless connectivity, firefighters can't communicate on your property. This is code-mandated, so your occupancy for your property is in jeopardy, along with the lives of your tenants. [5:00] There is a risk associated with a lack of cell phone coverage. No one should be in an emergency and not be able to dial 911. It's terrifying. It's also a huge liability exposure. [5:15] Another vulnerability for first responder radio systems is that codes, requirements, and technology are constantly in flux. This is also true of cellular enhancement systems.  [5:31] The technology is updating and the requirements are changing, including Florida's SB 1190 and HB 1571, with retroactive enforcement for existing buildings. [5:52] Radio dead zones in apartment buildings are a major risk for first responders. Kyle uses an example of sister apartment buildings, with a fire spreading from one to the other, and the second building having no communication. [6:30] All these things are updating, evolving, and iterating. You might be looking at last year's requirements and be off base. [6:42] You may miss something valuable learned in the field through trial and error, that installing these systems or having certain security protocols makes a world of difference regarding the safety of the tenants and the first responders. [7:01] Kyle expects most of the U.S. will adopt legislation similar to Florida. Most of the country is watching Florida to see what works and what doesn't, planning to implement their own. [7:10] Retroactive enforcement, where older buildings are not grandfathered in, already exists in pockets around the country.  [8:07] Existing building mandates have been in the International Fire Code and the NFPA codes, which govern first responder radio systems, for a decade. [8:39] Florida is the first U.S. local authority to publish bills around these codes, including a timeline with retroactivity. They are moving to make buildings safer. [8:52] Kyle explains why Airtower Networks is excited by Florida's move. Communities become safer, and local heroes are safer while they're rescuing people. It's a tough undertaking. It takes a lot of resources and knowledge. There will be hiccups, and people will learn as they go. [9:25] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [9:39] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [9:55] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [10:10] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [10:18] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in those favourable rates. We look forward to seeing you in Calgary! [10:37] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [10:53] Let's Return to My Interview with Kyle Leng!  [11:07] The bulk of Airtower Networks' active projects are at active construction sites. There is inherent danger there. The whole team undergoes stringent safety training. They maintain all the relevant certifications to keep the team safe. They review those with the team leads weekly. [11:34] There is risk involved with the systems. If you install a bad cellular system, instead of helping, you're making that property and the surrounding area significantly more dangerous. The same thing with the firefighter radio systems. Doing that wrong is worse than not doing it at all. [12:04] It's high stakes, high risk, and you want to have expertise, going into it, because you can make the property significantly less safe and more of a liability for all parties if you do it wrong. [12:24] Kyle points out that a bad network and an obsolete network are the same. Airtower Networks has been getting a lot of new opportunities for rip-and-replace contracts to remove obsolete or poorly designed systems and replace them expertly with the latest technology. [12:54] How quickly something goes obsolete varies depending on the technology. You'll get more lifetime from a cellular system than a first responder radio system. Wi-Fi needs to be constantly updated. You need to have the latest security protocols and the latest technology. [13:17] Kyle says a lot of the systems they rip and replace in the public safety sector are in the five-to-ten-year range. They're not ancient. Often, it was a low-budget installation. Airtower Networks believes you need to go into a project with the right attitude and perspective. [13:47] The risk professionals listening should check for is when they had their systems installed. If they're coming up on that 10-year mark, they may need to reassess them. [14:00] Kyle tells how he discusses it with stakeholders. Picture someone you care about in the stairwell of a building, something scary happens, and they can't call 911. Then, police officers show up, and their radios don't work. This is incredibly dangerous and a huge liability. [14:23]  The various costs associated with upgrading those systems, getting them inspected, and having them be monitored, 24/7 to make sure there are no breaks in the coverage, are nothing compared to the risks and liability. The costs are 100% worth it, every time. [14:48] Public safety distributed antenna systems go by 17 different names across the country. They're radio systems inside your property with antennas in the ceiling. They increase the radio access for first responders in the building. Kyle's central focus is getting them into buildings. [15:50] Kyle speaks of an exciting season in his career. They turned a couple of sister apartment buildings in San Francisco into smart buildings. It was IoT everywhere. They learned a lot from working on those projects. [16:11] They worked with a software developer to build an app so that in every unit, tenants paid rent with their TV remotes and unlocked their doors with their phones. [16:29] In terms of security and risk management, they learned that a big part of these projects was keeping the networks segmented and isolated so no one had a backdoor to the Wi-Fi and keycard access. With IoT, you want the latest encryption and password security. [17:06] They learned you have to find great partners in the OEM space. You can find IoT components online, but are they safe? Find a partner that's invested long-term in their equipment, so when you install IoT devices, they will be guaranteed to be updated for years. [17:44] A Small Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [18:04] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [18:24] General Grant awardees are typically notified at the end of October. [18:28] Spencer's Risk Manager on Campus Program offers grants of up to $5,000 to universities and colleges in the United States and Canada to host a practicing risk manager on their campus for a one-to-three-day residency. [18:41] The Risk Manager on Campus program has been praised by both universities and risk managers as a rewarding educational experience for students and a chance to give back to the profession. The application deadline for 2026 is June 30th, 2025. Check the link in the notes. [19:00] Visit SpencerEd.org for more information. [19:04] Let's Return to the Conclusion of My Interview with Kyle Leng! [19:22] Kyle always tries to exceed the code requirements and the local expectations for each building. There is also a project spec list, drafted by the property management, legal team, and insurance policyholders. [19:46] Kyle enjoys the conversation he has with the property stakeholders about the specifications. He enjoys getting to understand what their intentions are and seeing what he can learn from this type of property. [20:06] Kyle learns a lot through these conversations because the stakeholders are looking through a very different lens. Kyle's thinking about passing inspections, and that tenants can make 911 calls. [20:19] The stakeholders are considering every liability across the property and how to plug all the holes so that risk and liability are as limited as possible. Kyle finds there's almost always a win-win situation between the intentions and the happy outcome of a very safe building. [21:39] Kyle says government buildings in particular tend to have a lot of stonework, which essentially kills all RF signals; Wi-Fi, cellular, and public safety networks. In these government buildings, there is usually no coverage. There is no system to rip out and replace. [22:06] Healthcare tends to have an antiquated system. They had the funding to put in communication systems early on, which are now outdated. Airtower Networks has had some rip-and-replace in healthcare, but they focus on government facilities without coverage. [22:36] Kyle says local authorities tell him that when they go into the courthouse or city hall, they know they're not going to make a call or use a radio. That's terrifying. [22:57] Kyle says, in the industry, they refer to these government stone buildings as sort of Faraday cages. Cell service stops at the front door. There's no system in place to replace. [24:03] With the onset of the summer heat, fire risk increases. Storms and power outages are big risks in the summer. Summer is a big time for construction. If a high-rise building goes up between you and the cell tower, you lose coverage. You might need an amplification system. [25:09] If a high-rise with a leaky Wi-Fi system goes up next to your property, it could interfere with your IoT devices. There is an inherent risk for all radio coverage when a high-rise building goes up. You need to be prepared for it and have a watchful eye. Find out how to resolve risks. [26:24] Special thanks again to Kyle Leng for joining us here on RIMScast! Be sure to subscribe to RIMScast to catch every new episode as they are released on Tuesdays and the occasional Monday. [26:46] Next week, we have one of my favorite episodes of the year coming up. It's the Midyear in Risk Review with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine. They're going to tell us “what the heck is going on!” [27:01] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [27:29] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [27:47] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:05] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [28:22] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [28:36] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [28:43] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 Spencer's Risk Manager on Campus — Application Deadline June 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Summer course sold out! | Fall bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — July 8‒9, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 Full RIMS-CRMP Prep Course Schedule “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “Company Safety and RIMS Chapter Leadership with Tamieka Weeks” “Security Risks with William Sako” “Wildfire Risks with Kevin Stein” “Safety and Preparedness in 2024 with National Safety Council CEO Lorraine Martin”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Kyle Leng, Senior Compliance Officer at Airtower Networks   Production and engineering provided by Podfly.  

Today, our first guest for the week, Garrett Bowers of Bowers Trucking, explains the significance of face-to-face networking and its role in building relationships within the transportation industry! Garrett highlights how crucial it is to create a personal connection with potential clients, build systems for business development, prospect consistently, enhance transparency, and operate teams efficiently for scalability and profitability!   About Garrett Bowers Born and raised in Ponca City, Garrett is a proud alumni of PO-HI where he played football, wrestled, and was highly involved in 4H and FFA. Garrett earned a scholarship to attend Northeastern Oklahoma A&M College for livestock judging and his success there led to scholarship opportunities to join the Oklahoma State University judging team. At OSU, Garrett served as a Senator for the College of Agriculture. His livestock judging team members won several national contests including the coveted national collegiate championship in 2006. He graduated OSU with a bachelor's degree in May of 2007. Although Garrett grew up working alongside his father, Ranond, and grandfather, Glen (who was the founder of Bowers Trucking) – he was no stranger to entrepreneurial ventures. Before the age of 10, he had as many as 20 bottle-fed calves and even sold watermelon and corn in front of the truck yard alongside Highway 60. Later on, at age 16 he started his own custom hay business, which earned him the National FFA Degree recognition in 2004. When Garrett joined the family business after graduation in 2007, Bowers Trucking operated a dozen trucks within a 150-mile radius concentrated on end dump, aggregate, and construction material hauling. By 2010, Garrett diversified operations by redirecting focus to service the vast manufacturing industries located in Ponca City. By 2013, Bowers Trucking was operating in all 48 states and expanded into Canada and Mexico. Increased customer demand ultimately led to Garrett starting his own logistics company to help coordinate customer overflow. In 2016, Bowers Logistics was formed and the first agent was hired to meet the growing customer base with partner trucking companies looking for freight. By 2018, Bowers Trucking and Bowers Logistics became Department of Defense certified – the first trucking company based in Oklahoma to do so. Today, Bowers Trucking and Bowers Logistics employs 58 full-time employees. Together, the companies operate 50 trucks, and 108 trailers and service 5,000+ carrier partners while still retaining their core customer base from over a decade ago. Garrett met his wife Melissa in Athens, Georgia when the Oklahoma State Cowboys played their season opener against the University of Georgia. With some irresistible charm and a truckload of luck, Garrett convinced Melissa to relocate to Ponca City in 2009. Garrett and Melissa have been married for 13+ years, and they have a son, HB, who graduated PO-HI in  2021 and attended Oklahoma State University. Garrett coached HB's elementary year football teams and served on Osage County's Livestock Board, the FFA Booster Club, and the Quarterback Club. He is a graduate of Ponca City Leadership. He currently serves as seat # 3 commissioner for the City of Ponca City and has been an appointed trustee with the Ponca City Development Authority since 2018 and was chosen to serve two terms on U.S. Senator Inhofe's Service Academy Selection Committee.   Connect with Garrett Website: https://bowerstrucks.com/  Email: garrett@bowerstrucks.com  LinkedIn: https://www.linkedin.com/in/garrett-bowers-7a2b9186/  

Stories we're following this morning at Progress Texas:Latest on Donald Trump's attack on nuclear facilities in Iran: https://www.nytimes.com/2025/06/22/us/politics/trump-iran-decision-strikes.html...Responses from Texas Democratic U.S. Reps Lloyd Doggett, Greg Casar, Lizzie Fletcher, and Sylvia Garcia: https://www.khou.com/article/news/local/texas/texas-lawmakers-leaders-trump-iran/285-32881e5e-89ce-49ef-bd91-2795e3151ad6...Rep. Joaquin Castro: https://x.com/JoaquinCastrotx/status/1936625247827984825?t=W3viAqQkePA_BDDbdUMCzw&s=03...Rep. Julie Johnson: https://x.com/RepJasmine/status/1936589516283978011?t=oUJBI0mTXCogRIoPwFoGmw&s=03...Eight things to know about Trump's Iran attack, from Connecticut Senator Chris Murphy: https://www.chrismurphyct.com/p/8-things-you-should-know-about-trumps?utm_campaign=post&triedRedirect=trueGovernor Abbott has vetoed SB 3, Lt. Governor Dan Patrick's THC ban: https://www.texastribune.org/2025/06/22/texas-thc-ban-bill-greg-abbott-veto-senate-bill-3/?_bhlid=4937622fa4afb7b6d628185df1035b9f2279d7b7...Abbott has called a special session for a re-do on hemp regulation, and a revisiting of six other bills he vetoed: https://www.texastribune.org/2025/06/22/texas-governor-greg-abbott-special-session-veto-bills-thc-ban/...Abbott signed into law SB 10, the forcing of the display of the Ten Commandments in Texas classrooms, which is certain to face aggressive legal resistance: https://www.dallasnews.com/news/politics/2025/06/21/gov-abbott-signs-ten-commandments-bill-mandating-displays-in-texas-classrooms/...He also signed into law SB 11, which will allow local school boards to mandate prayer time in their districts: https://www.dallasnews.com/news/politics/2025/05/22/prayer-period-in-texas-public-schools-expected-to-reach-gov-abbott-for-approval/...And Abbott signed HB 229, the "Women's Bill Of Rights" that amounts to an erasure of trans Texans into law on Friday: https://klewtv.com/news/nation-world/gov-abbott-signs-womens-bill-of-rights-which-opponents-call-an-attack-on-trans-texansThe merch to match your progressive values awaits at our web store! Goodies at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://store.progresstexas.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Thanks for listening! Find our web store and other ways to support our important work at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://progresstexas.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Shannon Rowan - WiFi RefugeeBuy: The Red Shoes: Our Devil's Dance with Technology and How We Can Stop itAMAZON URL - https://tinyurl.com/bddse5fcSheep FarmInfo@sheepfarm.co.ukwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:fDom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal Products &HB-SF25OFF for all HB other Products.But discount codes can be used at checkout.*Discount Codes only available on Health Bunker Products*Health Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK

Correction on pulling the sanctuary bill to the House Floor - https://www.oregonlegislature.gov/houserepublicans/Documents/RELEASE_House%20Republicans%20Force%20Vote%20on%20Sanctuary%20State%20Law.pdfCrying in the legislature? really?Israel and Iran are bombing. USA ready to go?3962 - TLT one tax bill down - Passes with 31 votes in the House.Travel Oregon - dumps again, makes you want to vote for the TLT bill - https://www.wweek.com/news/state/2025/06/18/travel-oregon-officials-just-gave-its-well-paid-ceo-a-new-deal-in-retirement-but-wont-give-the-public-the-details/Transportation Update - Meek is a no - https://www.opb.org/article/2025/06/18/oregon-democrat-plans-no-vote-on-transportation-bill-as-session-nears-its-end/Black drag - disaster again by Oregon Democrats. Gun bills - SB 243 and HB 3076 - patchwork of BS. https://www.opb.org/article/2025/05/29/oregon-senate-passes-hotly-contested-gun-bill/ Could we lose skiing in Oregon? https://www.oregonlive.com/business/2025/06/ski-resorts-scramble-after-major-insurer-leaves-oregon.html This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.crosstabs.studio

What is adoption tourism? Poll shows how Utahns may vote on HB 267 referendum  How heat impacts mental health 'The battle begins' Iran supreme leader responds to talks of surrender The U of U student detained by ICE in Colorado

Elizabeth New (Hovde) of the Washington Policy Center says Washington's efforts to expand public health care are backfiring. She criticizes SB 5083 and HB 1392 for shifting costs to private payers and argues for a more competitive, multi-payer system. https://www.clarkcountytoday.com/opinion/opinion-more-payers-not-fewer-needed-in-health-care/ #Opinion #HealthCareCosts #ElizabethNew #ElizabethHovde #WashingtonPolicyCenter #SB5083 #HB1392 #InsurancePremiums #Medicaid #UniversalCare #CostShifting

[SF232] Matt Landmanhttps://stopgeoengineeringlondon.co.uk/Sheep FarmInfo@sheepfarm.co.ukwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:fDom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal Products & HB-SF25OFF for all HB other Products.But discount codes can be used at checkout.*Discount Codes only available on Health Bunker Products*Health Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK

Hey HBs! Naima Simone is back with Mel to recap the movie Your Fault! It's based on book 2 (with the same name) of the Culpable series by Mercedes Ron. We recapped the first movie in episodes 284 and 285, so go check that out if you missed it! This Spanish franchise has quickly become an HB classic and we can't get enough of these messy step siblings. Make sure to pre-order Naima's new release HUNTSMAN. It's a dark mafia romance based on the Snow White and the Huntsman fairytale! Want more of us? Check out our PATREON! This Friday Patrons and Apple Podcast subscribers are getting a recap of DREAMFEVER by Karen Marie Moning with bff of the pod Rebekah (AKA Lynn Camden)!  Credits: Theme Music: Brittany Pfantz  Art: Author Kate Prior Want to tell us a story, ask about advertising, or anything else? Email: heavingbosomspodcast (at) gmail  Follow our socials:  Instagram @heavingbosoms Tiktok @heaving_bosoms  Facebook group: the Heaving Bosoms Geriatric Friendship Cult The above contains affiliate links, which means that when purchasing through them, the podcast gets a small percentage without costing you a penny more.

Michigan Rep. Tom Kunse celebrates House passage of HB 4420, a transparency‑torch that would force every lawmaker to slap their name and a public price tag on local earmark requests—ending smoke‑filled‑room horse‑trading like the infamous $2.5 million Detroit horse stable. Kunse explains the GOP's January rule that sparked the bill, vows to press the Democrat‑led Senate with “How can you vote against sunlight?” and predicts it will apply to the 2026 budget even if this year's crunch sidelines it. Beyond the floodlight bill, he touts Republican momentum on a streamlined school budget (ditching 160 categorical line items), a $5,500 scholarship usable at colleges and trade schools, and an ambitious overhaul of Michigan's antiquated 1951 road‑funding formula—all framed as proof Lansing can “walk and chew gum” on reform.Get the stories from today's show in THE STACK: https://justinbarclay.comKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

David Gornoski sits down with Daniel Diaz, Executive Director of Citizens for Sound Money, for a conversation on the failure of the fiat standard, Florida passing HB 999, transitioning away from the Fed, how a gold standard would work, and more. Follow Daniel Diaz on X here. Follow David Gornoski on X here. Visit aneighborschoice.com for more

We're back with part 2 of PALADIN'S GRACE by T. Kingfisher! When we left off yesterday, Stephen and Grace had just had the sweetest, hottest make out and then this bonehead APOLOGIZED to her, making her feel like a dirty mistake. Then! She stepped on a severed head! It's a rough day for our ol' pal Grace. That's where we're jumping back in. Lady Loves: Mel: getting the best DMV clerk who not only offered to redo her license photo, but coached her to showing only one chin! Sabrina: her physical village. So many friends are coming up to help her move house and she's SO SO SO THANKFUL. This week's Sponsors: The Zory App! Download this interactive reading experience to discover more content from your favorite books, or to make the outcome YOUR choice! Get a FREE book using code HB2025!!!! MARIN IN THE MOONLIGHT by AE Merriweather! Imagine Succession as a Little Mermaid retelling and set the whole thing in a theme park. AE is a group of THREE BFFs who all write together. What's more HB than that?!?! Get your copy ASAP at B&N or Amazon. Want more of us? Check out our PATREON! This Friday Patrons are getting a full recap episode on Paladin's Hope by T. Kingfisher, the 3rd book in this series. Credits: Theme Music: Brittany Pfantz  Art: Author Kate Prior Want to tell us a story, ask about advertising, or anything else? Email: heavingbosomspodcast (at) gmail  Follow our socials:  Instagram @heavingbosoms Tiktok @heaving_bosoms  Facebook group: the Heaving Bosoms Geriatric Friendship Cult The above contains affiliate links, which means that when purchasing through them, the podcast gets a small percentage without costing you a penny more.

Hey HBs! Remember how we said we weren't going to do book 1 in this series? We fibbed! After a series of unfortunate events, we needed to do a book we both recently read (and bonus: loved!). So! You get PALADIN'S GRACE by T. Kingfisher! Book one about a survivor perfume artisan and a big ol' sebastian hero... who knits! Y'all, Sabrina and her morals almost didn't make it. Bonus Content: Mel's kids are shit at charades, Sabrina doesn't recognize non-marriage-romantic-relationship as valid and frowns upon any adult aerobics done for anything but procreation. Get with the program! Episode Sponsors: The Zory App! Download this interactive reading experience to discover more content from your favorite books, or to make the outcome YOUR choice! Get a FREE book using code HB2025!!!! MARIN IN THE MOONLIGHT by AE Merriweather! Imagine Succession as a Little Mermaid retelling and set the whole thing in a theme park. AE is a group of THREE BFFs who all write together. What's more HB than that?!?! Get your copy ASAP at B&N or Amazon. Want more of us? Check out our PATREON! This Friday Patrons are getting a full recap episode on Paladin's Hope by T. Kingfisher, the 3rd book in this series. Credits: Theme Music: Brittany Pfantz  Art: Author Kate Prior Want to tell us a story, ask about advertising, or anything else? Email: heavingbosomspodcast (at) gmail  Follow our socials:  Instagram @heavingbosoms Tiktok @heaving_bosoms  Facebook group: the Heaving Bosoms Geriatric Friendship Cult The above contains affiliate links, which means that when purchasing through them, the podcast gets a small percentage without costing you a penny more.