The study of the past as it is described in written documents
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The Demographic Need: Reframing Migration as an Economic Resource and Dismantling Exclusionary Borders.Gaia Vince discusses how humans are a migratory species that evolved in Africa and colonized the entire globe through movement. Historically, the US and European nations have used policies of brutality and cruelty to restrict movement, with many current border restrictions being recent. Vince highlights the current economic paradox: societies encourage the flow of goods but limit human labor, their largest economic resource, with some economists estimating that removing borders could double global GDP. A critical component of managing migration is investment: financial investment to expand northern cities and social investment in accepting that migrants are not "bad people" and promoting inclusivity. Furthermore, the global north faces a demographic crisis, as most developed nations are not producing enough babies to support their elderly populations, making immigration the necessary solution. 1953
Is the Bible accurate historically? Find out how it is as Brett Andrews shares evidence. Share your stories, prayer requests, or your response to this devotional in the comments below.If you would like to know more about New Life, who we are, what we believe, or when we meet, visit http://newlife.church. Or you can fill out a digital connection card at http://newlife.church/connect - we would love to get to know you better!
Is the Bible accurate historically? Find out how it is as Brett Andrews shares evidence. Share your stories, prayer requests, or your response to this devotional in the comments below.If you would like to know more about New Life, who we are, what we believe, or when we meet, visit http://newlife.church. Or you can fill out a digital connection card at http://newlife.church/connect - we would love to get to know you better!
It used to be simple: small companies went public, grew, and investors participated along the way. Today, companies stay private longer, and private markets have claimed many opportunities that once lived in public stocks. Historically a source of some of the strongest market returns, small caps have shred that reputation. The question becomes: Where did the small caps go? Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode of Money Moves, Matty A. and Ryan Breedwell dive into one of the most politically and economically charged periods in recent history. With election season intensifying, AI regulation heating up, and market volatility rising, they break down how investors can prepare for the next 18 months.The hosts discuss why markets tend to rally after elections, the impact of potential policy shifts on taxes, crypto, and interest rates, and why AI regulation could change the trajectory of tech investing. They also explore the Federal Reserve's 2026 outlook, global instability, and whether gold and Bitcoin can protect investors against inflation and geopolitical risk.This episode delivers a balanced mix of macroeconomic insight, investment strategy, and real-world perspective to help you make smarter money moves during turbulent times.Episode Highlights:[00:00:30] Market volatility update and what's driving investor sentiment right now[00:04:15] Election-year dynamics: why markets often rally after political uncertainty settles[00:09:30] AI regulation and its impact on tech valuations and innovation[00:14:40] Global instability and energy prices — where the real risks lie[00:18:55] The Fed's next moves: interest rates, inflation, and 2026 projections[00:23:30] Crypto outlook — regulation, adoption, and institutional entry points[00:27:20] Gold, Bitcoin, and real assets as protection against market chaos[00:32:45] Why most investors lose in election years and how to avoid emotional decisions[00:38:10] The 2026 setup: sectors and strategies that could outperform long-termEpisode Takeaways:Election uncertainty creates opportunity. Historically, post-election rallies favor patient investors who stay positioned through volatility.AI regulation is coming. Expect more government scrutiny and tighter frameworks around data, IP, and automation—but innovation will persist.Diversification matters more than ever. Real assets, energy, and technology infrastructure remain strong long-term plays.Crypto and gold remain hedges. Institutional adoption and digital asset infrastructure are solidifying.Focus on fundamentals. Emotional, reactionary investing destroys returns—discipline compounds wealth.Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text "XRAY" to 844-447-1555
Amir and Rick are back with a brand-new episode of Explore the Bible! In Part III of their two-part series on Interpreting the Bible Historically, they'll unpack how understanding the cultural and historical context of Scripture can transform your Bible study. Don't miss this powerful teaching—tune in and take your study of God's Word to the next level!Connect with us on social:Telegram: @beholdisraelchannelInstagram: https://www.instagram.com/amir.tsarfati/Facebook: https://www.facebook.com/beholdisrael/X: https://x.com/beholdisraelYouTube: https://youtube.com/@beholdisrael
The connection between Christianity and witches is primarily one of conflict, as mainstream Christian theology considers witchcraft an abomination based on biblical prohibitions against sorcery and divination. However, the relationship is also complex, with some individuals identifying as "Christian witches" who believe witchcraft and Christian faith can be compatible, while others see witchcraft as a practice separate from religion. Historically, there are instances of both persecution and folk magic that incorporated Christian elements. Check out the YouTube version of this episode at https://youtu.be/OtfBde3Bybo which has accompanying visuals including maps, charts, timelines, photos, illustrations, and diagrams. History Unplugged podcast available at https://amzn.to/3YthqYx Witches & Witchcraft books at https://amzn.to/4555O2X Salem Witch Hunt books at https://amzn.to/44NsmnH ENJOY Ad-Free content, Bonus episodes, and Extra materials when joining our growing community on https://patreon.com/markvinet SUPPORT this channel by purchasing any product on Amazon using this FREE entry LINK https://amzn.to/3POlrUD (Amazon gives us credit at NO extra charge to you). Mark Vinet's TIMELINE video channel: https://youtube.com/c/TIMELINE_MarkVinet Mark's HISTORY OF NORTH AMERICA podcast: www.parthenonpodcast.com/history-of-north-america Website: https://markvinet.com/podcast Facebook: https://www.facebook.com/mark.vinet.9 X (Twitter): https://twitter.com/HistoricalJesu Instagram: https://www.instagram.com/denarynovels Mark's books: https://amzn.to/3k8qrGM Audio credit: History Unplugged podcast with Scott Rank (Episode-Witches Weren't Burned During The Middle Ages, That Actually Happened in the Renaissance Period; 06jun2023) Salem Media, Parthenon Network. Audio excerpts reproduced under the Fair Use (Fair Dealings) Legal Doctrine for purposes such as criticism, comment, teaching, education, scholarship, research and news reporting.See omnystudio.com/listener for privacy information.
We are very excited to have our good friend host of Historically Haunted Vodcast Adam Begin. We talk alot about Historically accurate locations and people in history. So if you are looking for some great conversation about serial killers, Gettysburg, spooky locations ect. then tune in!
LONDINIUM 91 A.D.: Roman Siege Tactics and Russian Attrition: A Study in Political Vengeance and War Strategy Gaius (John Batchelor) and Germanicus (Michael Vlahos) Gaius and Germanicus open by discussing fresh swan meat in Londinium before moving to the main topic of political vengeance, noting that Romans recognize it while American editorialists are discovering it afresh due to Emperor Trump. They review the war in Ukraine, where Russians are employing a strategy of attrition to achieve the collapse of the Ukrainian army. Germanicus explains that Ukraine's strategy of refusing to retreat has led to disproportionate losses and the encirclement of up to 10,000 soldiers in "cauldrons" near Pokrovsk and Kupyansk. Gaius relates this situation to successful Roman siege tactics used at Carthage and Jerusalem. Historically, the reward for Roman soldiers breaking a siege was to ransack the city, causing the prices of gold and slaves to plummet. Germanicus asserts, however, that the Russians are taking pains to signal that leveling cities is not their way, emphasizing mercy due to the kinship between the two related peoples. The hosts also mention the delay of a summit involving Vladimir Putin and Mr. Trump's proposed Greco-Roman style building at the White House. 80 BCE SULLA SACKS ROME
We ADHDers love to follow our whims and "wing it." If that's you, how is that going for you? Historically, that never ended well with me. Today I'm going to talk about how to move on from winging it...at least a little! Mentioned in this episode:The Time Magazine article "The Worst Things to Say to Someone with ADHD" Interested in getting unstuck, gaining confidence, and consistency? Book a free chat with Russ and let's explore if/how I can help! Get my FREE PDF for instant un-stuck-ification when you get my newsletter. My Ready S.E.T. Go method will get you started when getting started is unstartable. Click here for the free PDF. ⚡️ Come see what ADHDBB is all about! We are a community built on action. Join us for daily accountability, peer support with Russ and friends, and a FREE coaching call with Russ when you join. You don't have to wing it alone. We got you.
Enjoy this throwback episode (from day 872) before the new series drops on Monday! "There's a sucker born every minute." - P.T. BarnumCarl Sagan shares guidelines with us for how to critically think. Today, I share them with you! Critical thinking never goes out of style. especially when we consider how MUCH information we are forced to take in on a daily basis.Historically speaking, Never have people had so much information FORCED upon them - we gotta be diligent about how we learn new information so we're not falling victim to the Riff-raff. RESOURCES: https://stimpunks.org/glossary/critical-thinking/ and https://en.wikipedia.org/wiki/The_Demon-Haunted_WorldGET A MONTHLY NOTE FROM ME: www.makeyourdamnbedpodcast.comTUNE IN ON INSTAGRAM FOR COOL CONTENT: www.instagram.com/mydbpodcastOR BE A REAL GEM + TUNE IN ON PATREON: www.patreon.com/MYDBpodcastThe opinions expressed by Julie Merica and Make Your Damn Bed Podcast are intended for entertainment purposes only. Make Your Damn Bed podcast is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Support this show http://supporter.acast.com/make-your-damn-bed. Hosted on Acast. See acast.com/privacy for more information.
The Money Wise guys start the show with a rapid-fire market update for the week just passed. The group recap a strong week for Wall Street, with all three major indices closing at record highs despite the ongoing government shutdown. The Dow climbed more than 1,000 points, while the S&P 500 and NASDAQ each gained over 1.5%, proving once again that the market is more interested in fundamentals than political headlines. The guys discuss how the markets shrugged off the lack of economic data releases due to the shutdown, even treating the Consumer Price Index (CPI) report, slightly cooler month over month but 3% year over year, as a “Goldilocks” number. The conversation turns to the Federal Reserve's long-debated 2% inflation target, questioning whether it's time to move the goalpost closer to 3%, given historical averages and the structure of the current economy. They also touch on challenges within the housing market, including rising mortgage rates, mismatched buyer and seller dynamics, and growing hesitancy among potential homeowners. Despite negative sentiment and political noise, the market's resilience and steady climb reflected continued confidence in the broader economic backdrop. A Government Shutdown Despite the ongoing government shutdown, the markets have remained largely unfazed. Historically, short-term shutdowns have had minimal long-term effects on stocks, as investors tend to focus on broader economic fundamentals rather than temporary political disruptions. While a prolonged shutdown could delay key economic data releases, creating uncertainty for policymakers and analysts, it doesn't directly halt private-sector activity or corporate earnings growth. In fact, markets often view the lack of government data as a pause in potential bad news, allowing momentum to continue. Overall, unless the shutdown begins to meaningfully affect consumer spending or confidence, its impact on the market is expected to be limited. In the second hour, the Money Wise guys share The Best Investment Advice Ever . You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.
WATCH the video on Substack by clicking the play button above or on YouTube (here).STREAM audio only on Apple Podcasts (here), Spotify (here), or your favorite podcast player app.We have just wrapped up an especially heavy 3-week stretch of board, management, and industry meetings. Included have been various meetings in and around the power sector. As someone who has spent his career on the other side of energy--i.e., oil & gas--it has been a lot of fun ramping up on the power side of the business. Historically oil & gas and power have been essentially two completely separate industries, each with their own macro drivers, corporate outlooks, and analyst coverage. And while today many differences of course remain, there are a growing number of areas of convergence. In this short video, we will give a few thoughts from our recent travels that we will expand upon in coming months. There are five points we want to highlight:First, we think energy is in the early days of the 3rd major super-cycle in our lifetime. The first was the Arab Oil Embargo years of the 1970s and the second was the Chia/BRICs expansion of the 2000s. Both were at their core crude oil market events. Geopolitical security was the dominant narrative of the 1970s. Billion-person scale emerging market (EM) demand growth characterized the latter. The current super-cycle marries both drivers but it is power, rather than crude oil, that is at the heart of this era. AI datacenters rightfully get a lot of attention. But aging developed market grids that need new investment is also an important trend. Perhaps most importantly, the substantial unmet energy needs of the other 7 billion people on Earth will arguably be the greatest driver of global power demand. This super-cycle is all about global power needs on multiple fronts. Second point and a key lesson from the mis-guided “The Energy Transition” era is that the world clearly is going to need all forms of energy, including many newer technologies where the timing of scaling economics is still uncertain. Examples of that last point are nuclear SMRs and enhanced geothermal to name just two. Power is an enabling driver of crude oil demand in the developing world. We suspect this is most visible in Africa today as an example. It is interesting and ironic: growth in renewables power is boosting oil demand.Third point: energy sources and technologies are not in competition with each other for a finite pool of demand. That is the energy substitution argument being trotted out by those that in recent years believed in The Energy Transition. Rather, relative economics, reliability, and geopolitical security are going to cause periods of strong and weaker demand at various points of time for different areas. As an example, LNG priced at world oil prices we do not think displaces domestic coal demand in places like India and China. But it is a complementary and diversifying fuel for power generation which is important to having a healthy power market. And new areas like LNG trucks can help reduce dependence on crude oil imports from what would otherwise be the case. Again, it is additive, not substitutive. Fourth, where crude oil cycles are inherently global in nature, power is typically highly local or regional, but today also has a global overlay via EM growth. Fifth, we are perhaps most optimistic to see major energy consumers, in particular Big Tech and Big Industrials, proactively engaging in energy macro and policy discussions. We see this at Veriten via an expanding and increasingly diversified client base. We see it in the many meetings we have attended. This in our view significantly raises the odds that we move away from the divisive rhetoric and policies that characterized The Energy Transition era to one that appropriately prioritizes energy's natural hierarchy of needs.
Prince Andrew's downfall is one of the most humiliating collapses in modern royal history. Once celebrated as the Queen's proud, battle-tested son, he's now the monarchy's biggest embarrassment—stripped of his titles, frozen out of public life, and quietly told to stop using “Duke of York” in any official capacity. His friendship with Jeffrey Epstein destroyed his reputation, and that infamous BBC interview finished the job. The “I don't sweat” defense, the “Pizza Express in Woking” excuse, and the tone-deaf denial turned him into a global punchline. Now, even within his own family, he's a ghost—technically still a prince, but one without purpose, honor, or credibility. The palace's silence speaks louder than any statement: Andrew is done.Historically, plenty of dukes have fallen from grace—some lost their heads, some lost their thrones—but none have been publicly humiliated like Andrew. His disgrace didn't come from war or treason but from arrogance and entitlement in the age of social media, where every lie is immortal and every excuse becomes a meme. The monarchy has erased him one step at a time, preserving the crown while letting him fade into oblivion. He's not the Duke of York anymore—he's the Duke of Nowhere, condemned to live out his days as a cautionary tale about power, privilege, and the price of believing you're untouchable.to contact me:bobbycapucci@protonmail.com
Send us a textUnlocking Success: Better Business Is In The Stars#astrology #entrepreneur #hermeticphilosophy #business #zodiac #martialarts Aleks is a Master of Astrology, Martial Arts, and Hermetic Philosophy, with a focus on helping entrepreneurs and business executives foresee and prepare for imminent events. Historically, royalty and prominent people consulted astrologers. Today's insights are just as relevant, but today corporations are the new monarchy, and entrepreneurs and executives provide the greatest opportunity for global impact. Aleks' martial arts background separates her from other astrologers and tarot readers, giving her piercing insight, strategic comprehension, and a maximum-impact approach. She has taught Astrology and Tarot as an International Instructor with the Modern Mystery School for 15 years, and she has also been Warriors of Light Instructor and Sensei, teaching Boxe Francais Savate around the world, for 20 years. https://masterthestars.ac-page.com/starpowered-resilienceWebsite: https://astrologerroyale.com/Facebook: https://www.facebook.com/alex.cehoInstagram: https://www.instagram.com/pallas.aleks/Thanks for tuning in, please be sure to click that subscribe button and give this a thumbs up!!Email: thevibesbroadcast@gmail.comInstagram: https://www.instagram.com/listen_to_the_vibes_/Facebook: https://www.facebook.com/thevibesbroadcastnetworkLinktree: https://linktr.ee/the_vibes_broadcastTikTok: https://vm.tiktok.com/ZMeuTVRv2/Twitter: https://twitter.com/TheVibesBrdcstTruth: https://truthsocial.com/@KoyoteFor all our social media and other links, go to: Linktree: https://linktr.ee/the_vibes_broadcastPlease subscribe, like, and share!
Prince Andrew's downfall is one of the most humiliating collapses in modern royal history. Once celebrated as the Queen's proud, battle-tested son, he's now the monarchy's biggest embarrassment—stripped of his titles, frozen out of public life, and quietly told to stop using “Duke of York” in any official capacity. His friendship with Jeffrey Epstein destroyed his reputation, and that infamous BBC interview finished the job. The “I don't sweat” defense, the “Pizza Express in Woking” excuse, and the tone-deaf denial turned him into a global punchline. Now, even within his own family, he's a ghost—technically still a prince, but one without purpose, honor, or credibility. The palace's silence speaks louder than any statement: Andrew is done.Historically, plenty of dukes have fallen from grace—some lost their heads, some lost their thrones—but none have been publicly humiliated like Andrew. His disgrace didn't come from war or treason but from arrogance and entitlement in the age of social media, where every lie is immortal and every excuse becomes a meme. The monarchy has erased him one step at a time, preserving the crown while letting him fade into oblivion. He's not the Duke of York anymore—he's the Duke of Nowhere, condemned to live out his days as a cautionary tale about power, privilege, and the price of believing you're untouchable.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.
Michael Stroe (@Plus3Happiness) is a phenomenologist and “happiness concierge.” Through a combination of the Buddhist Fetters & somatic practices, he's allegedly reduced his suffering by ~90%. He claims to consistently live at 9/10 life satisfaction and has skillfully guided others into similar transformations. Today we demystify his journey and discuss concrete practices for oneshotting procrastination, reducing reactivity and permanently raising the floor of your happiness (seriously).Watch on YouTube:Transcript — Michael Stroe[00:00:00] Daniel Kazandjian: Michael Stroe, welcome to the Metagame.Michael Stroe: Well, thank you for having me. How you doing?Daniel Kazandjian: I'm doing great. I'm really excited for this conversation. You famously, through a combination of Buddhist practices and somatic practices reduced your suffering by around 90%, whichMichael Stroe: Even more these days.Daniel Kazandjian: And now you're teaching other people how to do that, which is fantastic. How did you figure that out? Like what, what's the story there?Michael Stroe: As many great things happened by mistake, it's a total mistake. I was on a more or less sabbatical in like 2023 in Barcelona. Uh, not in a great place in life, honestly.Daniel Kazandjian: Hmm.Michael Stroe: and towards the end of the trip, someone actually, someone that, someone being Frank Yang, which you might be familiar with,Daniel Kazandjian: Mm-hmm.[00:01:00] Michael Stroe: Shared, Kevin Schanilec's website, which I've messaged, and he was very succinct as like, “try Liberation Unleashed” being a Liberation Unleashed being this forum for, for these practicesDaniel Kazandjian: Can you say that again? LiberationMichael Stroe: unleashed. Yes,Daniel Kazandjian: Unleashed. Yeah.Michael Stroe: Yes. And very quickly realize that the way they're doing it is one practice at a time and it's months of work. My ADHD Mind, uh, was like, yeah, but what if we do everything all at once? Um, instead of doing one practice at a time, I basically did eight of them daily for a couple of hours.'cause that's how you do it. Uh, in a bunch of days I had a perceptual shift, which was very interesting, and a bit of a honeymoon for like two days. Uh, that was something that I found funny that um, some people speak of these, uh, awakenings or whatever in terms of like, oh, months of bliss. And I just had two days and on the second day I was in an airport delayed for like five hours, which I was chill about.[00:02:00] But that wasn't necessarily like, whoa, I'm so alive. They're like, yeah, that's not happening. It was a bit better than usual. That perception shift coincided with a bit of a, what should I put it? Less? Uh, stress, let's call it initially. ‘cause I didn't know what was happening. Just less stress, less, uh, overthinking, less, chatter.And actually one of the, one of the few things that I found really interesting somehow coincided with great sleep. I don't know how to explain it seconds to sleep.Daniel Kazandjian: Wow.Michael Stroe: I found it very interesting because I used to get like one hour, two hours, three hours to get to sleep. And I just have ideas and sit in bed for just 30 seconds. I was out and I'm like, okay, this is an interesting benefit. Not gonna lie. Uh, I don't even care about all these benefits, I'm sleeping. Like that's, that's enough. And from then on I sort of returned to simply the scene, the, the initial website where I was guided, uh, to Liberation Unleashed.And I've done the practices on attachment and version. Okay.[00:03:00] And I should mention that immediately after stream entry, which would be the first shift that I had where it kind of, you notice that there's just the body mind, there's no little guy driving this, uh, body around. Um, you start to be aware of the fact that you kind of don't like a lot of the things that are happening.You're trying to pull out experience to such an extent. And, I had 10, 15 years of anxiety and other things on and off. Um, when I started looking at them, uh, I sort of noticed that I had a sort of a version towards so many things even after the first shift in like two more weeks had another one where, oh, like I, my, my, like that was the point where anxiety got reduced both in size and intensity and that was a big deal, even more of a big deal than the first one. ‘cause the first one is, like I said, it was nice, I was sleeping better, but also realizing how much you hate your experience,[00:04:00] let's call it, put it into a certain perspective and realize that from whatever anxiety I used to have or whatever intensity, it went down by like 60, 70%, at least in duration.Michael Stroe: One of the things I've noticed is actually, I used to have anxiety for days and weeks at a time about some stupid thing, or in general, like a generalized anxiety. And I realized that I couldn't. Get anxiety going for more than 30 minutes. As in, if someone distracted me, I forgot I had anxiety, and I'm like, huh, don't understand what's happening.Why do you mean like, I forgot I had anxiety. What do you mean? Like that makes no sense. And sort of like this continued, uh, after a bunch, uh, more time, a few other shifts, but this one especially, were like, oh, there's a dare there. Which for me, there were years of trying self-development, failing at meditation, um, or is nothing working actually.You sort of like, you do all these self-development things.[00:05:00] You, you're gonna do your finances and orders, like you're not happy. You're gonna get a great job, not happily encouraged to do these things. It's like, okay, but like what works? Um, and I had a notion that there's a debt there, but I didn't have a notion about what's possible.It's sort of like more of a faith, even though I'm not religious, more of a fate that it's possible. I didn'tDaniel Kazandjian: Yeah.Michael Stroe: I feel like maybe some of the people that I was following were somewhat trustworthy in this sense.Daniel Kazandjian: So, you just, so to recap, you had 10, 15 years of suffering with like, maybe above average levels of anxiety, is that what you're saying?Michael Stroe: Yeah.Daniel Kazandjian: Yeah.Michael Stroe: Were months at a time where I was to be okay. And the, the moments where I was okay were just the moments where I wasn't doing anything. As you know, I was mostly taking sabbaticals, which is not necessarily a great thing in the sense of like, if you're not active in society, you're feeling great.It's like saying, oh, I'm feeling great on vacation, but I hate my job.Daniel Kazandjian: Yeah, yeah, yeah. So from that, the practices at On Liberation Unleash, the first thing,[00:06:00] Daniel Kazandjian: the thing that allowed you to sleep fast and stuff was, was that stream entry.Michael Stroe: Yes. That would be stream entry. Yeah. AndDaniel Kazandjian: So just,Michael Stroe: Obvious. Yeah.Daniel Kazandjian: Just to bring people on board with that, what is stream entry?Michael Stroe: Stream Entry, if I am to take away from the woo stuff, it's like realizing there's no self, but the problem with realizing there's no self, it's so, uh, abstract, but we, no one, no one know what it means, but it's provocative.But if I'm to be a very mundane phenomenologist, it's just the sense that I'm no longer the little guy in the behind the eyes. I used to call it behind the eyes or behind the, an experience that sort of looks like a watches experience from afar a bit.Daniel Kazandjian: Mm-hmm.Michael Stroe: So realizing that, oh, I guess there's nothing separate from the body, mind world. There's just the body and mind. And my identity is more so that of a witness, uh, not of the tour, let's call it. And it's very simple. Like it's mundane. One of my, uh, most treasured experiences, right? When someone says, uh.[00:07:00] Is it almost disappointing that there is not more there? Because that's what you kind of know. Like, okay, like yeah, they got it. And it's like, of course, like after enlightenment, it's just, just ordinary experience. Um, and yeah, basically just the sense of no longer identifying as the doer. It'sDaniel Kazandjian: Mm-hmm.Michael Stroe: There's no one moving the body mind, just the body mind moving itself. Uh, it doesn't need a do or it's all conditioning. And so,Daniel Kazandjian: Yeah.Michael Stroe: freeing.Daniel Kazandjian: So, so, uh, we might get into more details on this, but what's interesting to me is what you said after that was when you realized that you had a lot of aversion to things.Michael Stroe: Yes.Daniel Kazandjian: So is it that stream entry kind of brought awareness to the suffering that was already, like, you weren't feeling your suffering fully, and then something shifted in terms ofMichael Stroe: Yeah. Um, what happens prior to stream entry? You take all these things as identity. This is mine. Then through stream entry,[00:08:00] You start seeing them as more of an objective, uh, phenomenon or objective processes. Basically what I used to call, uh, um, what I was seeing afterwards as, oh, you know, like some contractions and so on, it used to be like my anxiety, my social, whatever. And it was, it was getting, uh, caught up as identity. And once I was able to see these processes, just those objective processes that I'm able to watch, uh, there is, uh, a subtle detachment. I don't mean detachment in, uh, sort of like going away, but they're actually going towards them.What I'm able to see them for whatever, which is a bunch of thoughts and sensations and that has a very interesting side effect of actually realizing that these are happening, these are conditions and they've been happening for so long. And if beforehand they used to be like, oh, uh, it's me, it's, I'm, I'm bad like this. I'm bad like that. I'm not good enough for whatever. It's like, oh, there's this process. Of these sensations appearing and this story about not being like this or not being like that?[00:09:00] Daniel Kazandjian: Do you have a personal anecdote about that? really illustrates this point?Michael Stroe: Uh, yes, actually, I can tell you how, uh, we, the weakening of a version happened.Daniel Kazandjian: Hmm.Michael Stroe: Uh, there was this particular day I was in my parents' house in the countryside and for some reason, some of my friends, not just one, were not answering my messages. And I used to have anxiety about this thing for, uh, both relationships and of both kinds of friends and, and anyway, about people not responding.And I used to have three friends and it's like they were not answering my messages and I was kind of going in a loop. What did I do? What did I say? Did I say something? And I was just, I had the moment of watching. I was like, okay, there's this weird process. There are some sensations that are kind of like, not pleasant, but I'm going through all these thoughts.And what happens is that I'm making it worse, but what is this? I was like, there are some sensations I had the moment. The sensations are not that bad. And also, I don't know how I'm making this. Like they're just here.[00:10:00] And that was the moment, like, oh yeah. It's like, why, why am I, what, why am I doing this to myself? And I was moments like, ah, yeah, it's okay. Oh, it's like, I best I'm gonna like if, if this is how bad it feels not to, uh, receive, uh, attention or whatever it was at the time. Like, I don't even remember fully what I was like, it's not that bad. was like, huh. A bit of like, oh, this is no big deal.Yeah. I can just go about my day. Like, I thought it was gonna be worse. The anticipation of this being so bad was what I was amplifying but the sensation themselves was like some amount of contraction in the stomach area. Like, uh, one out of 10. Not a big deal.Daniel Kazandjian: Yeah, so it's almost that there, the raw sensation itself is relatively benign, but then there's some sort of mental content, some story at adding to it.Michael Stroe: Yeah. The mental tension. Like a rat, like basically a rat in a cage.[00:11:00] Michael Stroe: Um, and going through all these stories, going through all these machinations in order to, and this is very important in order to seemingly try to change the sensation, like what should I say for this person to respond to me?Michael Stroe: And then it dawned on me that actually I was not trying to have them respond. I didn't think it was gonna sound bad, but also I didn't necessarily care about them responding. I actually cared about me not having the sensations. And this is one thing that I usually show to people, which is like, if this sensation would be the same, but you were happy, you wouldn't care about the sensation.If you were content with how things are. Whatever happens, happens, you can still be pretty, pretty okay with it. But the problem for me was not the situation, which is like all these people not responding to my messages, like the, the, the anxiety or the amplification was just happening. It's like, I just don't like how I feel right now.I hate this and probably this is the reason why. It's like, is this the reason why it's like, not just some conditioning there. But Yeah.[00:12:00] Daniel Kazandjian: And so what were the practices that allowed you to create a little bit of distance with those sensations and stories?Michael Stroe: I think at, at, at the time I didn't necessarily like I had the materials, right, but the materials were something like, oh, notice in this moment that what you're trying is to look for some other reality than the one you have. Basically that moment I had these people that were not responding to my messages, and the thing that I was was like, oh, I don't have a reality where they're responding to my messages.In current practice, I would frame it like, oh, I didn't get a response from my friends. It's like, oh, I'm looking for this reality somehow. It feels differently and things are different. So it's like, not necessarily that I wanted things to be different, I wanted to feel differently. Oh, I don't have friends that respond to my message quickly.So like, sure. I guess.But when, when, when we were seeing that actually the practice was just seeing things and just feeling a bit to it, it's not a big deal.[00:13:00] And definitely, my practice was a bit different from the one I, uh, show to people right now. Uh, at the time I was doing more inside Heavy, which would be staying that mental tension and seeing that it's just a sensation that we can do something about it.Right now. I ask people to do both that, but also like just sitting with a so-called pain and letting it dissipate.For me it was just sitting in that tension. It's like, okay, I'm sitting in that tension. So what? And it's like, okay, it's not that pleasant, but also. There's no other reality available.There's no other Michael. Sometimes I, I, when I see people being stuck in, it's like, what is your quantum duplicate that somehow has some other sensation? They're not. It's like, okay, so I guess this is what you have right now. Is it that bad? And sometimes I make these weird analogies, which is like, imagine you've hit your leg very badly in the furniture.Would you trade these sensations for those sensations? Like, no, you go. Then sit with these ones. Maybe you appreciate them more,[00:14:00] Daniel Kazandjian: Hmm. Um, I wanna get back to your story, but one thing I'll, I'll, highlight is what your practice wasn't. It wasn't trying to understand why you happen to be so sensitive to people texting you and it, and like going into the deeper reasoning for your emotions. It wasn't that at all. It was focusing on the sensations themselves.Michael Stroe: Yeah. And what I found is there are cases where the, let's say the story unbundling, which I would call it, is helpful.For the sake of reducing suffering, there is minimal need for that. You need to see that the story is a story, which is a bunch of thoughts, and the sensations are conditioned, arising and the like.The impression is that, oh, this anxiety, for example, right now for me, it's happening because of what's happening. But the reality, no, it's happening because all the baggage from the back, all my priors that are being, uh, involved in this particular situations, out of which, let's call it this gate out, which, the anxiety comes up is through this situation,[00:15:00] it's actually the baggage that's to blame, let's say for this. One of the things I usually do, um, lately is, uh, to ask people to, okay, has some meaning, whatever story, right? My story, I was like, there's meaning, and my friends are not pointing my messages. Okay, why is there more meaning to that particular thought compared to my body? 70% water?It's like. Uh, somehow one is more meaningful than the other, but they're both, let's say language markers.They're both tokens and somehow one has more meaning than the other. It's like, is it the meaning or they're just both neutral, but the charge is just because of the conditioning and it helps a bit putting on the per circuit. Like you have two stories or you have two sentences. is charged, one is not charged.It's like, how exactly is the story charged experience wise? What exactly is the charge? Oh, some sensations. Yes. So it's not the story. And through just sitting with them, they eventually were like, oh, I guess the story.[00:16:00] It was the sensations that I was resisting.Daniel Kazandjian: Yeah. maybe it'd be worth spelling this out a little bit more. It's like there's a storyMichael Stroe: Yes.Daniel Kazandjian: And then there's a sensory experience in the body, like some, some knot in your gut or something like that, or like a buzzing sensation somewhere. And then those two things are very tightly coupled or correlated. And so the story itself feels charged.What's the process of disentangling those two things?Michael Stroe: Well, the first step is usually to take away from the story as in, oh, this thing happened, this thing happened, this thing happens. It's like, okay, all those things happen, but what's happening right now? It's like me, I'm looking for some other reality in the one available. It's like, okay, um, I don't have this reality that I'm looking for where this other thing happened.So it's like, okay, in this moment, right now, what you have, uh, this sensory reality and some thoughts, it's like, okay, that brings you a bit further, into the present, right? So it's like, okay, you make a sentence,[00:17:00] and that sentence is almost like a summary of what happened, but in a very factual way.Right. Like very factual. It's like they didn't say this, okay, so I don't have this experience where I'm looking, I'm looking for them to be different. The next step would be putting the sensations into perspective. And actually that's a very big one.of the things that I notice is if I ask someone, which I have a lot of track questions during my inquiries, I, I need to mention that, uh, I usually ask them, it's like, okay, on a scale of one to 10, how bad are these sensations?And I've gotten some weird responses for some very meaningless situations. Like this email being an eight out of 10, right? Um, it's like, okay, that like an eight out of 10, an email, like he, that torture, that torture level pain, right? So if you ask people, uh, in, in that way, they're gonna, um, compare it with the ideal, how they would prefer to feel in this moment.So it's like, okay, okay, put it in a bit of a perspective, like compared to some actual pain, which is a breaking leg, I think breaking leg is the one I use most often.It's painful enough. And if you try to imagine it's like.[00:18:00] That would be a bad one. It's like compared to breaking a leg, how bad is this pain?It's like, okay, it's one or two. It's like, oh, now we got some perspective. Now we got a foothold to just sit with the sensations. Right? And, and going through these a few steps, uh, you've basically taken away from the story. You've reduced it to something, you are looking for some other reality, and then you have the intensity dropping a bit.Quite a bit actually. And then the last thing is like, okay, I want you to see with the sensation, it's called being called staying in the gap. And what I mean by staying in the gap, it's you tone descendants. I didn't get the response from my friends, right? Some sensations are appearing and being in the gap.It means seeing with those sensations until the thoughts that are happening, the thoughts that are happening somehow it seems. They can, uh, act upon these sensations somehow seem to be about these sensations. And the more you stay in the gap with a sensation, with thoughts,[00:19:00] eventually it's such a, uh, a long time between the sensations appearing and the thoughts that it's like this couldn't be connected.Michael Stroe: It's there's no way that these, there's a way for, for these sensations to be changed by this thought that happened a minute later. Like there's no way of causality in such a way. So it's like,Daniel Kazandjian: Yeah.Michael Stroe: There's two channels. You have the channel of the thoughts, you have the channel of sensation, and it might seem initially that they're glued somehow, but then it becomes, uh, obvious that no, the sensations are conditioned in a certain way.The thoughts are conditioned a certain way, but there is no, uh, uh, glue in between. There is almost one of the metaphors I use lately actually, the, the channel of sensation is the basketball game the channel of, uh, thoughts or stories is the sports commentary. No amount of sports commentary will change the basketball game.Whoever is your favorite basketball player, whether it's LeBron or whatever, it doesn't even matter. It's like he's not gonna suddenly start shooting trees just because the sports come. It's like, oh, you're shooting wrong. It's like, yeah, that's not gonna happen.[00:20:00] And it's a bit of a, of a more immediate, um, metaphor that it's helped is like, oh, I'm trying to change the game by just commenting on it.Daniel Kazandjian: Yeah, yeah, I love that image. Um, you used the word, uh, conditioning a few times, so like, because of conditioning, there's the glue between the sensations and the thoughts and the stories. How, what do you mean by conditioning here? How does that process work?Michael Stroe: Yeah. By conditioning, I mean all the situations and experiences that have left an imprint on the body mind, they've made a, they made a dent, whether it's in personality, whether it's even in the body. We have a discussion sometimes about VA computation, like.The body does keep the score right. and that conditioning is basically everything you would, uh, actually both, uh, uh, positive and negative. You can have positive conditioning, right? Uh, both, uh, pleasant and negative experiences that make a mark in that condition.[00:21:00] Future experiences based on prior experiences. If you wanna use priors, because we're more in rational spaces, we can use priors, but I'm mostly speaking about the priors at the level of, uh, memories oftentimes and bodily, uh, contractions.Michael Stroe: That's what we use mostly for this.Daniel Kazandjian: So is that like, let's say when I'm younger and I have less awareness,Michael Stroe: Yeah.Daniel Kazandjian: Something happens to me, you know, maybe I feel a sense of social rejection, um, because I don't know, the girl I like didn't text me back or something like that. And then it prompts a really big physiological response that I know.Michael Stroe: Yes.Daniel Kazandjian: Correlate with the story of like, girls not texting me back, and then that's conditioning. That's like the prior.Michael Stroe: Yes. That's basically the pairing of some sensations with some stories.Daniel Kazandjian: Mm-hmm.Michael Stroe: Often, whether the stories can be like a visual memory. Like myself in that situation where I used to feel this way, and it's like, oh, when that happens,[00:22:00] this is, uh, this is the thing. And, and also like when I have that, those pairings, those pairings actually create a certain amount of one unidimensional response.When I feel the sensations, I need to double text them or I need to say, I need to say, I need to say something. I need to say something to them. Right. Um, there is a sense where the degree of freedom is being traded for, uh. A sense of apparent control, right. In that case, uh, the one we mentioned for like, uh, not receiving a message.When I, when this happens, then I do this. But by having, just when a then BI have a degree of conditioning or a degree of conditional, uh, response that actually prevents me from seeing there are maybe 10 other options. And that tends to shrink our personal freedom to such an extent that we often don't realize that we're doing it.[00:23:00] Daniel Kazandjian: Yeah. So let's come back to your story. You got, you got the stream entry. Then you start to recognize the conditioning and all the ways in which you had aversion to your experience. What happened after that?Michael Stroe: Um, I found a guide, a lovely lady in Italy that was recommended to me by some other guide in fairs. She had some availability and we started working together and I started working on the big issues. Right now, when I work with people, I think I work a bit differently.We used to work, we used to work directly with big stuff. One of the big things I had the most directly, which was something like some past relationship thing, and then I started working with a bunch of them. But the reality is, looking back, like I had a certain degree of buy into the processWhen I used to guide the same way with folks that weren't necessarily as bought in or[00:24:00] believing in the process, I can say I had like 25 to 30 people quit after the first month because, um, instead of having more of an upstream, slowly gliding your way to more wellbeing, it's more abrupt. It's like you, you have reactivity that happens in two stages, weakening and breaking.With two big issues, you're gonna have the weakening and then the breaking. But if you don't go with the biggest ones and you just go with. You, you can, you can have more of a smoother path.Okay, what's the biggest thing I can think of? Like, oh, there's this, uh, memory from a relationship. And because I have this memory, I won't have happy relationships in the future. Right.And to work with this, and I can definitely tell you that between getting a weakening of reactivity or a version by myself and dropping, it's been like a month and a half where I cannot necessarily say that was progress.And I, uh, at the level of pedagogy,[00:25:00] I found that actually to be a big issue because I was crazy enough to believe because I got the benefits fast, let's say, and I was on my own. So it's always easy to believe in the process, but I can definitely understand someone being like, I wanna stop.So, and then in another month and a half, um, I kept working with bigger and bigger things. Right now, I, sorry, I separate things and things. Keeping you up at night, which is like immediate short term things that are causing suffering at the moment. And then the next one would be, uh, big goals and desires.The second category. And by starting to work with Maria, I was already working on the big stuff, which is not necessarily ideal if I'm gonna be honest. I don't have the emotional capacity right now. I feel that I end up in a point where I actually help people build the emotional capacity as we're dropping a version.Otherwise it can feel very jarring and that can make people not want to keep the process until finished. Right.[00:26:00] I'd say like a month and a half, beginning of December, 2023, I started noticing that things were kind of like, uh, water of a duck spec. That's what I would call it. Things were smoother. That was kind of where I started noticing. I kinda cannot say, and this is so like a bigger discussion, but. I cannot say I have bad days. A version basically is this mental chaining, uh, of some pain that happened and, and keeping it with you during the entirety of your day, even though it was like two minutes or five minutes of unpleasant sensation.So when that no longer happens, a version by the way, dropping a version is called dropping into non-conceptual. That's basically when you drop the associated between, uh, stories and sensations. And once that, that was dropped, it's like, yeah, you can still feel pain, you can still feel unpleasant sensation, but you're no longer chained as your day goes on into a big feeling that basically colors the entirety of your 24 hours.[00:27:00] And that was the last, so like the, the last days where I've noticed, uh, bad days. So I cannot say that I have had bad days since then. Okay. I hadDaniel Kazandjian: Wow.Michael Stroe: unpleasant situations for a few hours or whatever, but the amount of pain was actually low and there was no suffering. Even once, like, I had someone, like almost lost a friend a bunch of months ago, and there was crying, there was pain. There was no way of me imagining that there are some other sensations available and I fell through it. I cry. Uh, just what seemed natural there was necessarily suffering or resistance and it's, it's also a very point to be, it's not relatable.I cannot explain it for it to make sense. If someone doesn't have it almost seems like I'm trying to sell someone on these. Grant benefit, uh, uh, by now, uh, where it's like, oh, it's so amazing. It's like drugs.[00:28:00] It's like, it is amazing, but also it makes no sense how this could, uh, be experienced. Right?And then when that happened in a few more weeks, I dropped into non duality again. It is a very fast process. I think there is a certain extent to which all these shifts are happening fast when someone really wants it. And I know that the Buddhist say desire is the root of all suffering, but that's a mistranslation.Was the root of suffering. And that's a different, more moment to moment, uh, thing. being open, it's like, yeah, I really want, this has led to very fast progress. And I think actually, um, suffering wise, actually this one actually made the most, uh, difference just dropping a version. I used to have so much of it.It's to color my days to such an extent, days, months, years, whatever you wanna call it, that once it drop, it's like, okay, yeah, I did not expect this was possible.[00:29:00] It's easy to say that it's not possible or there could not be something like this. Okay. It's not perfect, but it's amazing. It's sort of like, that's how I would call it. No, it's amazing. And, and luckily right now, I, I, I feel like I'm not speaking from a standpoint of just me at, with her, there are a bunch of friends, some of them that you already know that have gotten the same experience and they have the same experience or like, no, it's pretty great.Michael Stroe: No,Daniel Kazandjian: Yeah,Michael Stroe: great. Yeah.Daniel Kazandjian: I know you, you also tried to make this a little more legible for people by like mapping it on to commonplace positive experiences.Michael Stroe: Yes.Daniel Kazandjian: You know, and I know it's a totally imperfect process or whatever, but it gives people a sense.Michael Stroe: Yeah.Daniel Kazandjian: maybe you can tell the listeners that, like how different stages mapped onto like the, these commonplace positive experiences.Michael Stroe: I was trying to do this with a friend a bunch of times ago because I was thinking,[00:30:00] what's the marginal value of the next dollar? But actually it was more so what's the marginal value of the next million dollars? It's like, what do you even buy with a bunch of money that gives you happiness? I put my own happiness into, okay, what would I trade this for?And it's for, for as much as it's gonna sound, it's farfetched, I would say, like, I don't know, tens of millions to be like, you have no physical worries for the rest of your life. You would still end up in the place where you're pursuing this.It's already that good. Like there's no convincing. Like I would rather take my pain from years ago just to have it. Yes. So the first, the first steps, treatment three, first one to three. I've humorously, uh, called it getting a free sandwich daily. Um, which is okay. It's nice. Like there are some days when, when a sandwich can, can make you feel a bit better.Uh, it's, it's nice. Um, you got a sandwich, you have a bit of a brighter day, right? There are days where a sandwich does not do anything.[00:31:00] I'm gonna throw that off, right? Uh, and I'll be experimenting, weakening. Um, it's a bit of a, a bit, uh, higher and I would call it almost like having a very relaxing massage daily, right?And it's great. Like you go to have a massage, it's great. You, you are relaxed now, you enjoy your day more. Maybe you are smiling more. It can make most days a bit, uh, sunny, right? also like when, some really bad things are happening and massage probably won't be enough. And there are certain categories of things where.A massage won't do anything like, you know, loss and so on. Um, but the real, the real, uh, thing happens with the dropping of reactivity. And the reason why I call that, um, basically, um, being in a, a, a pretty good vacation all the time is because you no longer want or expect to always feel good.[00:32:00] But that has the interesting side effect of making most days pretty amazing. Dropping reactivity or no longer, like I know, don't want to feel good all the time. And because I don't necessarily want or try to feel good all the time, I'm actually feeling good most of the time.It was the suffering or other, the resistance to those few moments. We were feeling some pain that was coloring all these other moments negatively, let's call it.But when you no longer want that, it does feel pretty, uh, vacay vibes, uh, it's okay. I'm on vacation most days. I don't necessarily need to be somewhere, I don't necessarily need to have a fancy dinner. A lot, a lot of what humans imagine they would feel during a vacation where they're away from work.You can have here and now with work, with life, with all these, uh, trappings of daily life, and it's pretty amazing. And that would be what we spoke so far, which is the trapping already. [00:33:00] And there's a bit of a, there's technically two more steps, but I usually, I only, uh, speak about the first, uh, uh, one, uh, in this, in this, uh, next, uh, in next year row, which is like the fourth, uh, range, I would call it, uh, dropping form and formlessness.And for those that are familiar with Buddhist, uh, terminology, that would be non-duality. And “I-ness”. I-ness probably it's a bit less, uh, common, but no is very obvious. uh, or getting into no. Minus the stories that, uh, were all one and so on. it's a, it's a small, actually a small gain in, in pleasure.You have more of a sense of connection with everything or everyone. You no longer have the sense of things or people being distant from you. You have the sense that you're in one world simulation, which is interesting, but I found it compared to not having a version not as consequential.[00:34:00] I have expected, based on how all the spiritual people are selling nonduality to feel amazing, connected. It's like you do feel connected or actually it's more correctly framed, disconnected. Like, I'm not, we are not all one necessarily, which is like, uh, further inside it's like, okay, we're all in one.It's like we're close by distance is an illusion. Pretty great. Pretty great, right? But in terms of suffering reduction, I would've expected it to be more, but it was like 5%. A cool 5%, right? But not what I expected and this wouldDaniel Kazandjian: You're like, disappointed.Michael Stroe: I'm gonna be honest a bit, a bit.Daniel Kazandjian: Yeah.Michael Stroe: I would've expected more people to have sold it to me as this grant thing where everything is amazing. It wasn't necessarily, and this would correspond with the third six, right?And I actually feel that third seven is more impactful, which would be “I-am-ness” consciousness and so on. Uh, the reason why this one actually was, um, profound, I would start with the sense of time.[00:35:00] Sense of time kind of goes away and you realize there were a bunch of sensations and thoughts. When that happens, you have to be a bit more clumsy with your appointments. I'm gonna give people that warning.That's gonna happen, but you no longer have the time pressure. I need you to do this, I need to do that. If you heard people speak about timelessness or the experience of timelessness, this is basically what they were speaking of just now. Just now, just now. And it's pretty amazing. That's just one aspect.The second aspect that I've seen, um, this actually has to do with, um, almost, um, dropping the notion that somehow things are existing in opposites. Where it's like, in this case, it's ugly and beautiful you're dropping the opposites as real categories when, when the opposites seem to be integrated as neither this nor that, neither ugly nor beautiful.I found that everything is more beautiful.[00:36:00] Very few people will be able to relate to this, but there was a joke going around on Twitter a bunch of time ago, which is like, Would you rather get plus three to your own, uh, beauty, or would you give plus three to everyone?And this is in a way giving plus three to everyone's beauty. course, beauty being in the eye of the beholder, uh, but everything from a wall to a flower to whatever you want to tends to become way more, uh, beautiful by, um, via negative, which is no longer saying, saying it's mundane or, uh, boring or whatever you would project upon it.That cancellation of the extremes makes it way more likely that everything is like, has a certain beauty, has a certain vividness to it, that I. I actually wasn't told that it's gonna happen. Uh, but I found it very, very obvious and I'm sometimes, uh, I'm, I'm being caught in, in the metro and[00:37:00] I'm just looking at people with a certain fascination regardless of how they're looking or whatever their gender is, because there is a sense of, wow, look at all these ways that the reality is happening.All these ways that, uh, things have manifested, right.Daniel Kazandjian: Yeah.Michael Stroe: And I guess, uh, the last one, which is very interesting and some might relate it, um, is no longer making things out of images. Here's what I mean. You're looking around the room or you're looking around something. You're noticing, let's say, uh, a basket.The mind or the brain is like, oh, that's a basket. It makes a thing almost like the image that you would see it and gives it a thinness, uh, substantiality. When you just take things as they are, it's an image or if you want to interact with it you can go touch it and so on. But when you compulsively make it a thing, the mental chatter drops a lot.[00:38:00] Michael Stroe: I used to have problems where I used to work in advertising, like outdoor advertisements and I was like Coca-Cola, and it's like, oh, I like, like all these, uh, ads I used to see in the brain were automatically naming them. That goes down because okay, I'm seeing an image, but I don't necessarily need to make it a substantial thing.That drops a lot of the mental chat and also like the compulsiveness of interacting with the world. Um, the benefit of this mostly is that life tends to become very movie-like at this point. When you no longer imagine that things have very distinct boundaries and everything becomes more fluid in that sense, you no longer have the image, the, the, the image that somehow you are outside of the world somehow.You, you, it's one big singularity, if you wanna call it. Um, that tends to make things very easy to move around. If you ever heard, and this is a bit of a, I'm not sure I would give it a trigger or warning,[00:39:00] but I would be mindful that sometimes when in Buddhist, a lot of people know this, know that they're actually very dumb ways of giving insight. For example, if you heard that there is no body, that's one of the dumbest ways of framing it.The actual framing would be the body arises together with everything else. And that wouldn't necessarily give people any type of, uh. Scaries. It's like, oh, okay. So the body is just part of the Raja. And the sense of the body as a thing, as a monolith was just the brain taking a bunch of this junk, uh, sensation and constructing a mental model of what the body would look like.With the seven photos, you no longer need to construct a body as a monolith. You just take sensations as different pings. I used to call it the same way that rain drops. That's how you feel. You no need to hold the frame of there is a body in, in a very, um, uh, experiential way or like one big block of stone.[00:40:00] Have this, the sensations, the body's still there, the organ is still there. You no longer hold the concept of it being a monolith and that I've actually found very relaxing and super easy to do, uh, hard things, physical hard things, or go without sleep for a long time because the body seems to be way, uh, way easier.To process. It's like, oh, there is some unpleasant sensation from tiredness. Okay. Like, it's not that the whole body is tired, it's like tiredness, uh, expresses itself as just this one muscle in the back that it's aDaniel Kazandjian: Yeah, yeah.Michael Stroe: You're no longer like, oh, the body is tired. It's like, no, it's just some sensation. It's not pleasant. That's it. So it's easy to bounce back.Daniel Kazandjian: Um, so this reminds me of a meditation prompt. Uh, it's like a direct pointing prompt of just experiencing the body. Just see, see if you can experience the body as a cloud of sensations as opposed to. The, the mental map or like, maybe a simple one that, that I noticed was if someone says, pay attention to your hand, the sensations in your hand,[00:41:00] you might think you're doing that, but then you'll notice that often there's also an image of the hand and like a sense that you're up here and you're looking down at your hand and like there's a bunch of other stuff happening quite habitually that isn't just the raw sensations of the hand and the raw sensations of the hand are something like, like texture and, and heat and tension and like these more, uh, simple constituent elements.And then the same applies for pain. Or I've noticed when I've had issues with chronic pain, if I just do this type of exercise, it just gets deconstructed into a bunch of neutral sensations.Michael Stroe: Yeah. Direct pointers of this nature are very useful because we tend to interact with the word via abstraction or via fabrication.[00:42:00] But once you see, like into the, let's call it, you realize that, oh, it's actually easier to bear. And as you mentioned, there are a lot of these small pointers that you can give someone that make actually a big dent in your experience, uh, especially are of suffering and pain they finally see experience as is not through the conceptual map.And one of the, because you mentioned the one with the conceptual map, one of the things I actually ask people during the stream entry conversation is, uh, can they imagine an actual tactile sensation? Like, okay, let me try to imagine my feet standing on the floor. So it's like, are you really imagining a sensation or are you imagining the mental body map and where it would happen, is like, oh yeah, no, I'm, I'm imagining the mental body map.There's no way for me to. Imagine a sensation the same way. It's like Exactly. So that helps put things into perspective between what's direct sense experience and what's abstract experience. And you can use abstraction.[00:43:00] It's just though you never confuse abstraction, if you want to call it, the abstraction would be context, right? And enlightenment is just untangling more and more of the context of identity or of concepts into the components of, um, what we would call experience, like context and content. Like that's, that's like the more you take, uh, context and make it content, that's the more enlightened you are, if you want.Michael Stroe: Call it like that.Daniel Kazandjian: I wanna see if we can help people on this a little bit. Obviously, you know, reducing your happiness by 90 or reducing your suffering by 90% orMichael Stroe: Yeah.Daniel Kazandjian: Nine outta 10 happiness is like a pretty good sell. But one of the things you've mentioned, and it's also implicit in the stories that you shared, is this idea of freedom. How there's actually just more degrees of freedom around different areas of life.[00:44:00] And so I wonder if you can speak a little bit more about freedom and then some of the other kind of tangible benefits that you've discovered through this journey.Michael Stroe: Yeah. Um, the biggest degree of freedom, I would say, does come from aversion attachment.I used to have this notion that I should make this amount of money by this age, and I would say that's very common for type A. Uh, once I was no longer held by that attachment, I could actually work toward that direction.Well, in the past I used to be very contracted around not having, that would actually mean and turn, uh, into procrastination. And that's a very common experience where it's imagined that procrastination is somehow. An issue of the situation. I don't have this, I don't have that, but most often with the people at work, we end up seeing that procrastination is just an emotional issue.Procrastination being just the resistance to how I'm feeling and most often how I'm feeling is not that bad.Freedom, it turns out, is a very common conversation for me. It's like, if meditation takes away my ambition?[00:45:00] It's like, wouldn't that be bad? It's like, well, let me frame it differently.Uh, if you were to lose some of these things probably you weren't interested in, but you're gonna do way more of the things that you actually want to do. And none of the people that I know have gotten, uh, this far have somehow lost their ambition. They will have families, they're still doing things, they're doing more things.They're no longer imagining that things should look a certain way and they're not looking a certain way. Turns out that the freedom of choice increases and. From the standpoint, like prior to stream, I imagine that I'm, I have agency in this, uh, frame of, uh, I sort, I control the body mind and I'm me, the self controlling the body mind.It's gonna act on the world. It's like integrating, seeing just the body mind, working with the world. I now see that there are more choices by degree of not denying that there are actually some limitations. Like, I cannot[00:46:00] I cannot, uh, suddenly start, uh, in some language. I haven't spoken before.And, but by seeing the limitation, you actually gain the freedom by denying the limitations that are inherent to, to experience. I'm actually not seeing freedom because I keep holding on to my ideas of what I should be able to do instead of seeing what I'm able to do. So without shooting the experience, you can see the things that could be happening and it becomes, uh, pretty easy.Uh, a pretty, pretty obvious experience after you get it, but before it's sort of like cloudy. in, in terms of freedom, I would say the biggest freedom I found was to, to take on projects or, or, uh, do things that I previously seemed to be unapproachable. Uh, it's my identity, like, oh, who's little me?[00:47:00] Like, uh, imposter syndrome. oh, look at all these people. Um, they're, they're from a big, this big, uh, university. How can I work with them? Right? All these notions of, of importance, it's like, who? Little me.That's from a small town in this eastern European country. Uh, so when you drop identity, it's like, okay, whenever I had that, it's like, oh. They're gonna see that I'm an imposter. Can you see how that is just a sensation in this moment right now, that being an imposter is just a sensation that's all there is to, and some thoughts, but what bothers you is not as much the thought level as much the sensation level. How does feeling an imposter or rather being an imposter, because it seems like I'm being an imposter and it's very common for prior to experiment to have the experience of I am this, I am that, versus, this sensation appearing there is this pattern occurring.So when I no longer make this about some me, some, some, uh, constant identity and adjusting as a pattern, I'm able to actually clean it out because I don't feel every time I'm doing healing that I'm somehow, uh, attacking myself.[00:48:00] Almost a lot of people try to do healing and it goes nowhere. And this is my opinion around therapy.The reason why therapy actually doesn't work is because they have this view of this monolith called self Instead of being a bunch of almost decentralized projects, um, when someone gets stream entry, they finally realize that all those were processes and they weren't necessarily constant and they weren't necessarily owned and they weren't necessarily present.Oftentimes, like the memories Hmm.We identify as, or with any memory, if I, I would invite the, the listeners, any memory they have, if they bring it out, I want them to realize that the experience of a memory, it's a bunch of thoughts and sensations happening now and. I hope they see that this means that the past can only be experienced as a bunch of thoughts and sensations happening now.They cannot experience the past in any meaningful way other than sensations and thoughts happening now. So when that happens, you no longer get lost that much into the thoughts, uh, of the past or into memories, or[00:49:00] you keep identifying with this version of you from 10, 15, 20 years ago that is actually not here. So you're able to be with a, with a, you have the, the freedom to be here now and realize that you have some references to some other so-called past experience. But what you have is just, uh, an, a reference to some memory, some thoughts happening now. that brings you to, like, you need, know, the whole power of now, right?You, to do something to be in the power of now. And this is the funniest one, which is I ask them to, okay, try to imagine the, the, the past and it's just a bunch of thoughts and sensations now. And then imagine your favorite meal in a bunch of hours and see that there are a bunch of thoughts and sensations happening now.And then I asked them, is there some other place other than, than now to be like, do you need to do something to be now? It's like, no. You just have the impression that somehow you are not now. And that opens up a lot of, uh, opportunities to clean up. I think that's the most important when I no longer, um, think that somehow I'm the same guy was five years ago in that relationship,[00:50:00] It brings the possibility of me being like, oh, wait, that relationship, it's a bunch of thoughts and sensations happening now.And that's not something I do. It's just when, when a thinking of the memory occurs, sensations come up. It's like, I did not make those sensations. I did not do the sensing somehow, I didn't do the feeling as much as the feeling happened. And there are a few, uh, pointers for these that make it immediately obvious, but at each level as you go to a pad, you realize almost, uh, in a way actually find that the Buddhist path is very consistent with the Keegan stage.Instead of like me, uh, having this experience, you make everything an object and you basically make more and more of your identity on an object that you can work with.Uh, eventually you make all of your identity. Actually, Reen enlightenment would be a bit past even Kegan five because you make everything,[00:51:00] you make everything an object that can be worked with and you no longer see it as a subjective context.Michael Stroe: Um, yeah.Daniel Kazandjian: Let me let, let, no, that was great. I, so we're talking about freedom and then, um, the, the freedom from. You're past in a way, and I, I kind of wanna sharpen up this therapy thing ‘cause you said something very provocative, which is the reason why therapy doesn't work is the way I understood. It's almost like it's reifying the self.Daniel Kazandjian: Right. It's a discursive practice that's assuming the self actually exists.Michael Stroe: Yes, and it's assuming that identity is an experience instead of like, what's experienced is just a bunch of thoughts and sensation.The way I would frame it, it actually, it, it actually applies both to stream entry and work with reactivity. For stream entry is assuming that somehow you, you can have the experience of the memory or your, uh, basically bringing up something from the past and it's like, oh, that's still happening, that's still active, that's still real.The memory of being this age and having this experience instead of seeing the experience for what it is,[00:52:00] it's like, oh, a bunch of thoughts and sensations happening now, and that's the first one. They're making a thing out of something. That's another experience, and that's the first aspect of considering identity a constant.Right? The second aspect of the, the reason why therapy doesn't work is because action therapy always works after the gap. If I want to, if, if I should, uh, remind people what I mean by the gap. The gap being the space of just sensations. No dots have started to try to change your experience. So let's say I go to a therapist and I wanna speak about this thing that happened to me in a relationship.I'm gonna draw on and on and on and on and on about what happened. But I'm already into the experience of trying to justify the sensation or change the sensation. I'm past the gap, and at no point I'm actually feeling my, my feelings. Feeling my feelings does not mean sobbing and going through this, oh, this person did this to me and they, this, this, to me.It's like, that's not what, staying with the sensation, that's not feeling your emotion, feeling your emotions or feeling your sensation is just the act of sitting with the initial sensation.[00:53:00] The one with the, the, this issue just started, the ones that you feel without needing to add the layer of, or conceptually the layer of thoughts or the layer of judgment.And because most therapies working in the space of reactive already, they're past the gap. They're the inner version already. Hmm.Most people don't make meaningful progress. Because they're actually not feeling their emotions. They are more or less feeling the amplified sensation, but not the, the, the, the crux or the core of the issue.They're feeling all the fabrication around the issue.Daniel Kazandjian: Let's see if we could apply this to an example. Like let's say, um. Uh, just totally random example, let's say I had a very critical father who whenever he was in the room, his presence, um, warranted like a hyper vigilance in me and my siblings because, and, and he's a bit volatile.[00:54:00] So we just have to be on edge, you know, whenever he's around. And then, so something at a young age developed to protect myself from, from that mechanism or from the potential of attack or something like that. And then it's still latent in the body. And maybe, maybe it's influencing the way I relate to authorities as an adult.And I come to therapy, I come to you who you're like, therapy doesn't work, but we got this other approach.Daniel Kazandjian: How would you,Michael Stroe: therapy for what is, what is me teaching? not trying to take the clients from the therapist. I'm just saying what works and what doesn't.Daniel Kazandjian: Yeah. What, what would work to, to deal with a situation like that?Michael Stroe: First it would be bringing up the memory. And when you bring up the memory, it's immediately coupled with a bunch of sensations, right? Like, it's very obvious that like, you might tell there's something, there might be a lock in, right?Daniel Kazandjian: Yeah.Michael Stroe: So where it's like you have the grand story that they were this, they were there.It's like, okay, but like, that's not happening right now. Me and you, let's say we're in the same room. We're just sitting on a couch, just vibing.[00:55:00] So it's like, oh, what happens right now? It's a bunch of mental phenomena, stories, thoughts, images, and some sensations. It's like, okay, take away the whole, he was this, he was that.He was like, what's happening here at this moment? Oh, a bunch of thoughts. Okay. I want you to notice that. Regardless of what happened in the past, that's not what is happening right now. You might behave as if it was a real, real thing, but if you foresee that your memory of it, it's a bunch of thoughts and some not so pleasant contractions in the body happening right now, you first gain a bit of distance from it.Distance in a good way, not trying to dissociate.There are some sensations in my body right now. I have a mental image of what that happens. And I would ask, okay, you notice that in this moment you're thinking of that story and imagine that reality should be a certain way for you right now.Almost like trying to, um, rewrite the past, which is in a way, making a sentence or what we describe. It's like, oh, I didn't have a father that was,[00:56:00] let's say, uh, warm and I'm just making it up right now. Right? It's like when you tone that, is that the thing that you actually wanted back then?It's like, yeah, I wanted to, it's like. what you have right now, even though you didn't have then, it's just a bunch of sensation. And I ask them, okay, if you feel those sensations, but like, don't go into thoughts that are just chatter now. At this moment. You have those crappy sensations, but are they that bad?That's why I make the framing around like compared to an actual pain, how bad they are, and I ask them to stay with it. And if they get lasting thoughts, I bring them back. It's like, no, no, no, no. You're in this room right now. Your father, whoever it is, it's not here. You're safe. You're with me. Like, or even if they're in their, in their own room, they're safe.What do you have right now? It's a bunch of sensations. Like, do you need to do something about those sensations? Can you just relax a bit into them? Can you give them 1% at a time to just be there and let them dissolve?[00:57:00] And over time that decreases, they're not here, not an experience. Would be the point of imagining, oh, it's this, this created this problem. This problem is this problem. if you wanna untangle, but at the level of suffering, most often. I've seen, uh, I, I'm not gonna give a percentage. Most people end up not having the benefits that I want because they're going like, oh, he was like this and he used to do this.And you, it's like if they, if they lock into the past, they're already not in the room with you. They're basically like lost in thoughts that they're already passed the gap in a space of just fabrication and this, just seeing the difference between what's here right now and what's fabrication or constructionDaniel Kazandjian: You know, the concept of memory reconsolidation and like, uh, therapy literature.Michael Stroe: Yeah.Daniel Kazandjian: Do you wanna do a quick summary of that?Michael Stroe: Uh, yes. I'm not super technical and I can, I best tell you myDaniel Kazandjian: Well, let, let me actually just say how I mean it. ‘cause like, we don't need to get academic about it. It, but it's this idea that like, uh,[00:58:00] There's all these different therapeutic healing modalities, inner work modalities, and to the extent that any of them are effective, they seem to share one thing in common at, at least this is the thesis, which is they allow you to reconsolidate refactor negative memory memories into positive ones by presenting. or neutral ones by presenting disconfirming evidence. So you're having, we're having a conversation in a safe environment about something that happened when it felt unsafe. Maybe we spend time with the sensations instead of the story,And then the system changes. It's a prediction because you're predicting something bad's gonna happen,but it doesn't. And then if you just see that very clearly, then your system updates and then you no longer have activation around that.Michael Stroe: Oh, uh, yeah, definitely. I feel like in a therapeutic sense, they kind of try to change the story as well, if I'm not mistaken.Daniel Kazandjian: Yeah.Michael Stroe: like in our approach, it would be mostly just.[00:59:00] Sitting with the sensation and they become neutral and then the story, it's like, okay, he did that. It is probably process wise, we would stay a step, uh, closer to experience. We wouldn't necessarily try to change the story.Daniel Kazandjian: Yeah.Michael Stroe: What it's worth, I want everyone to know that I actually don't think that enlightenment, Buddhism, or fairs have the answer to all the problems. And I think some, uh, therapeutic modalities should be used, especially after stream entry, but stream entry is super fast.But I think if you want to change your patterns, you would first do the feeling and then okay, what would ideally do here? Right. Funnily enough, funnily enough, there is a degree to which feeling your sensation about an issue changes behavior immediately. Even though we are not necessarily doing, uh, a change in the story, uh, this oftentimes actually happens with issues around procrastination.That's the one I actually have seen the most when you no longer have this, oh, this is gonna suck if I'm gonna have to do this. immediately like, oh, I, I feel okay, I'm just gonna do it.[01:00:00] Uh, and we, we in this case with, let's say, let's be less than pleasant with, uh, a parent that happens, but less to a degree. Whereas I would say that, oh, the people that I've worked with necessarily all of a sudden go and all of them repair their relationship. They feel they are if they choose later to work on this and process this and change the relationship. That's almost, um, a side process that it canBut I wouldn't say that this one actually solves it like that.Daniel Kazandjian: Um, I think it'd be nice if we did like a very concise, uh, procrastination protocol, so. Let's say someone listening to this is like, fuck, there's that thing I gotta do, and I keep putting it off step by step. How might they deconstruct it using your method?Michael Stroe: Yeah. So it'll be like this. Oh, I have this thing. Let's say I have, I have this project and there is a deadline on Friday, right? Let's say today is Wednesday. Sorry.The reality is like all those grand stories, like, oh, if this is, if I'm not gonna do this, my boss, my this might be like, okay, okay.[01:01:00] Okay. Right now what you have with this situation, you have some sensation, you have some thoughts, and you're also like some resistance to how the sensations feel. But let's take a step back and all of the, the stories we can sum it up as, I don't know if I finished the project by Friday, that's the, the thing, it can be either, uh, uh, a, a, an uncertainty problem, right?That I usually frame, I usually frame it on two things. Procrastination, especially either something that you feel like it's missing or something that you don't know.It's the first one where you feel like something is uncertain, like I don't know if I have the time to be or if I know if I'll finish the project by Friday.Okay. How does that feel in the body? Oh, it's a sensation in my gut. It's a four out of 10. It's like, whoa, we have a big one. Right. And that's when I asked them, it's like, okay, but compared to breaking, like how bad is that sensation? It's like one. Oh, okay. Yeah. So it's like, oh, it's a one out of 10 for the fact that I don't know if I'm gonna finish the project by Friday, or I don't know if this task will get done.Okay. Or I, or, or the other framing is I haven't done X project.[01:02:00] Maybe the deadline is not there. Especially for personal projects, I work with a bunch of people that are self-employed. It's like, oh, I haven't done this project. And there's no one, there's no boss to tell them to do this. So in those cases, it would be like, oh, I haven't done X project.Okay. How does that feel in the body, that sensation? It's not that, that it doesn't even bother you that you have done or haven't done that situation. What bothers you is this sensation? So give it like 30 seconds. Okay. Oh, I haven't done this project. Does it feel that bad? Oh no. It's like, and it's like so fast, like two minutes.For most people, if it's not a big deal, it's like a two minute thing, like feeling your sensations. Like, okay, are you gonna do the thing? Yeah, I'm gonna do the thing, whatever. That's it.Daniel Kazandjian: Step one, you, you, you notice that you're procrastinating because I think sometimes you don't even realize that you're doing it. You're just like avoiding your life and then you're like, oh shit, I'm procrastinating. It's due tomorrow. Okay. You notice it.[01:03:00] You just sit and feel what's happening in your body, like what's the,Michael Stroe: I would actually, first, the next step would actually be putting things into perspective. It's you looking for some other reality than the one you have available. And it's very because sometimes like, oh, but what you're initially feeli
Prince Andrew's downfall is one of the most humiliating collapses in modern royal history. Once celebrated as the Queen's proud, battle-tested son, he's now the monarchy's biggest embarrassment—stripped of his titles, frozen out of public life, and quietly told to stop using “Duke of York” in any official capacity. His friendship with Jeffrey Epstein destroyed his reputation, and that infamous BBC interview finished the job. The “I don't sweat” defense, the “Pizza Express in Woking” excuse, and the tone-deaf denial turned him into a global punchline. Now, even within his own family, he's a ghost—technically still a prince, but one without purpose, honor, or credibility. The palace's silence speaks louder than any statement: Andrew is done.Historically, plenty of dukes have fallen from grace—some lost their heads, some lost their thrones—but none have been publicly humiliated like Andrew. His disgrace didn't come from war or treason but from arrogance and entitlement in the age of social media, where every lie is immortal and every excuse becomes a meme. The monarchy has erased him one step at a time, preserving the crown while letting him fade into oblivion. He's not the Duke of York anymore—he's the Duke of Nowhere, condemned to live out his days as a cautionary tale about power, privilege, and the price of believing you're untouchable.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold. This imbalance often creates opportunities. When the ratio is this high, savvy investors see it as a buy signal for silver, expecting the gap to close over time — either through silver rising in price, gold falling, or both adjusting. Silver also has strong industrial demand — it's used in solar panels, electric vehicles, electronics, and medical tech — all sectors expected to expand in the coming decade. Combine that with limited new mine supply and rising investment interest, and silver looks like a compelling long-term play. While gold remains the ultimate safe-haven asset, silver offers more upside potential during economic recoveries or inflationary periods. If you've been considering diversifying into precious metals, now could be the perfect time to accumulate silver while it remains cheap relative to gold. Always consult your financial adviser before making investment decisions. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals #SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection #MoneyTipsPodcast #CharlesKelly
In this quarter-end chat, Dave Shotwell and Nick Nauta unpack what actually happened in Q3 2025 and why portfolios held up despite a steady stream of gloomy headlines. They cover broad market strength, the first Fed rate cut in September, what a government shutdown usually means for markets, and how to think about AI spending without trying to pick winners. Our portfolio advisors at East Bay Investment Solutions provide the following summary, and as always, they try to take a balanced approach between reasons for optimism and pessimism. You can read their full report HERE or watch Mario's video presentation HERE. https://youtu.be/yoM8rETe5FI Highlights Broad gains: Most major stock and bond categories finished Q3 positive, while U.S. REITs lagged. 60/40 perspective: A diversified mix of global stocks and high-quality bonds continued to post solid results with less day-to-day swings than a pure stock approach. Fed update: After a September cut, the policy rate sits in a middle range, giving room to adjust up or down as data changes. AI reality check: Corporate spending tied to AI is robust, but future revenues remain uncertain. Diversification helps you own the eventual winners without betting the farm. Shutdown noise: Historically, market returns during federal shutdowns have been mixed and often muted. Time in the market still matters more than headline timing. Planning first: Your financial plan is built for many markets, not just the current one. By the Numbers Fed funds target range: 4% to 4.25% Cumulative AI spend (through last year): about $211 billion Average S&P 500 return during shutdowns: about 0.11% Year-to-date result cited for a 60/40 portfolio: 12.6% Resources and next steps Learn more or schedule a fit meeting: srbadvisors.com Email: info@srbadvisors.com Don't forget to subscribe to our YouTube Channel for all the latest videos.
Driven by FOMO and the narrative that AI will completely change the world, investors have bid up stock prices to new all-time highs and stretched valuations. AI will no doubt change the world, but the AI arms race carries significant risks for investors at this time. Especially as the economy shows signs of deteriorating. Historically, high stock valuations colliding with a recession has been a recipe for steep losses, and that is as the heart of why I'm so concerned right now. So this week on the podcast, I'll be talking about why I'm worried about the stock market right now - the valuation problem, the cracks in the economy that are appearing, why timing is everything and just because stock valuation look stretched doesn't mean the music will stop tomorrow, and lastly, how can investors - especially if you're getting close to retirement or already retired - protect themselves and take profits in a wise and prudent way.
Historically Speaking Sports co hosts Dana Auguster and Charles Combs are both natives of Louisiana and also the southern part of the United States where college football is more than just a sport. On Saturdays in the fall it is the south's secular religion. In this edition of this podcast, Dana and Charles highlight teams they they consider the best college football teams they had ever seen. The teams that are highlighted are some of the best college football teams ever. Most won championships. Some came close to winning. A couple won despite of on and off the field controversy. One team made the list that had two losses on the season but in the process had a Heisman Trophy winner and rewrote the NCAA offensive record books. Later in the show we will send a Shout Out to pair of coaches that were major parts of the college football landscape and had some of the best players and some championship season but for whatever reason, they both had fallen through the cracks of sports history. We have all that and more coming up on this all new edition of the Historically Speaking Sports Podcast. To contact the show you could drop us an e-mail at Historically.Speaking.Sports@gmail.com.
Leonard DiCaprio released his latest film titled One Battle After Another last month. Historically...Leonard DiCaprio is one of the most successful actors in Hollywood. However...Leonardo DiCaprio recent releases have lost hundreds of millions of dollars...including One Battle After Another. We discuss the decline of Leonardo DiCaprio...and the Hollywood movie industry. We explain why Hollywood actors being obsessed with politics...has destroyed the once-profitable industry. We also discuss Hollywood being out of touch with normal people...and question whether Hollywood can recover. SUBSCRIBE TO BEHIND THE LINE - SHORTS: https://www.youtube.com/@btlshorts-84
China is experiencing the strongest cold front so far in the second half of this year, with most parts of the nation forecast to see a sharp drop in temperatures, experts said.专家表示，我国正遭遇今年下半年以来最强冷空气，预计全国大部地区气温将显著下降。There is a high possibility that Beijing will see an early start to winter this weekend, and the temperature drop will bring the unusually persistent scorching heat in the eastern and southern provinces to an end, according to the latest forecast by the China Meteorological Administration.中国气象局最新预报显示，本周末北京大概率提前入冬，此次降温还将终结我国东部及南部省份持续多日的异常高温天气。Ma Xuekuan, chief forecaster of the National Meteorological Center, said that a strong cold front will move from the north to the south and continuously affect the nation's central and eastern parts from Thursday to Tuesday, adding that these areas will see temperature drops of 6 to 10 degrees.国家气象中心首席预报员马学款介绍，10月24日（周四）至29日（周二），一股强冷空气将自北向南影响我国中东部地区，上述地区气温预计下降6至10摄氏度。Among these provinces and areas, the Inner Mongolia autonomous region and those in the country's central part will see temperatures drop by 10 to 14 degrees, or even over 15 degrees, during the period, Ma noted.马学款指出，其中内蒙古自治区及我国中部部分地区降温幅度可达10至14摄氏度，局部地区甚至超过15摄氏度。"It's so far the strongest cold front affecting China in the year's second half based on its range and degree of influence," he said, adding that the nation's northern provinces will see the temperature keep falling next week.“从影响范围和强度来看，这是今年下半年以来影响我国最强的一股冷空气。”他补充道，下周我国北方省份气温将持续走低。He said that China's central part and provinces along the eastern part of the Yellow River and Huaihe River, including Jiangsu, Anhui, Henan and Shandong, will witness the temperature plunge by 10 degrees in five consecutive days from Saturday, with a higher possibility of the onset of winter.马学款表示，江苏、安徽、河南、山东等我国中部及黄河、淮河东部沿线省份，自28日（周六）起连续5天累计降温幅度将达10摄氏度，入冬可能性较大。Xinxin, a weather analyst from China Weather TV, said there is a very high possibility of Beijing seeing an early arrival of winter on Saturday, as reported by the People's Daily on Friday.据《人民日报》10月27日（周五）报道，中国天气电视台气象分析师信欣称，北京本周六（28日）大概率提前入冬。According to Xin, Beijing will see the average day temperature fall below 10 degrees in continuous 7 days from Saturday. Historically, from 1991 to 2020, the city has seen the start of winter on Oct 31, which will move up now because of the ongoing cold front.信欣分析，自28日起，北京连续7天日平均气温将跌破10摄氏度。1991年至2020年的气候数据显示，北京常年入冬时间为10月31日，受此次冷空气影响，今年入冬时间将有所提前。Affected by the strong cold front, provinces and regions south of the Yangtze River and the nation's southern part, such as Shanghai and Zhejiang, will also see a quick temperature change that will end the unusual heat wave there, according to Ma, the chief forecaster.马学款还提到，受强冷空气影响，上海、浙江等长江以南地区及我国南方省份气温也将快速下降，当地异常高温天气将随之结束。He added that from Sunday to Friday, the southern provinces will see temperatures 2 to 4 degrees lower than usual in previous years.他补充道，10月29日（周日）至11月3日（周五），南方省份气温将较常年同期偏低2至4摄氏度。The meeting of the cold front and warm air currents also brought torrential rains to southwestern provinces and provinces along the Yellow River and Huaihe River such as Sichuan and Chongqing on Thursday and Friday. The rains will ease from Saturday after the cold front moves southward.此外，10月24日（周四）至25日（周五），受冷空气与暖湿气流交汇影响，四川、重庆等我国西南地区及黄河、淮河沿线省份出现强降雨天气。随着冷空气南下，自28日（周六）起，上述地区降雨将趋于减弱。Noting the sharp temperature change, the China Meteorological Administration has reminded the public to be careful of weather-related risks like flu, and to be covered in adequately warm clothing.针对此次大幅降温，中国气象局提醒公众注意防范流感等天气相关健康风险，及时增添衣物，做好保暖措施。cold front/ˌkəʊld ˈfrʌnt/n.冷锋scorching/ˈskɔːtʃɪŋ/adj.酷热的；灼热的torrential/təˈrenʃl/adj.倾盆的；猛烈的
This week, Karen is introducing the first in a two-part series on musk. Musk started life as one of the most prestigious materials in the world of perfumery and was often associated with nobility and power. However, over the years, it has constantly evolved and, today, is seen as one of the most common and well-known materials in all of perfumery. In this episode, Karen takes you on a journey from the beginnings of musk to its place in the modern-day world and how it has shaped both perfumery and culture over hundreds of years. KEY TAKEAWAYS Musk has a long and fascinating history. Karen takes us through it from its origins in central Asia to its everyday use today. Historically, musk was sourced from the glands of male deer; however, as the species became endangered, the material could no longer be sourced from the animal. In 1888, Albert Baur made a discovery that changed musk forever. In the 1970s, a number of fragrances entered the market that changed musk to a much more accessible product. Karen explains how and why. By the late 1980s, musk was mainstream, in large part due to the Body Shop's ‘White Musk'. Karen breaks down how this shift affected the perfume industry and people's perception of musk. BEST MOMENTS “Over the years, musk has gone from one of the most expensive materials you can buy to one of the most common synthetics in the world.” “Musk moved from a sexy smell of desire to one of laundry and light, airiness.” “Musk feeds that need we have for comfort, especially when the world outside is a much more intense and scary place.” VALUABLE RESOURCES Materials Mastery Studio Classes Getting Started Guide Artisan Perfumery Mastermind ABOUT THE HOST Fragrance expert, author, teacher and speaker; Karen Gilbert runs courses in the UK and online which demystify the secretive world of perfumery in a fun and interactive way. Karen has inspired thousands of students to explore their olfactory sense and create their own personalised fragrances. With extensive product development experience in both the commercial perfumery and the organic skincare industry, Karen is able to offer a unique insight into creating natural and mixed media fragrances for fine fragrance, room scents and skincare/bodycare products using commercial perfumery techniques. Karen is also a certified meditation teacher and has a passion for helping people to create daily rituals that integrate scent with other modalities to shift state and increase your sense of wellbeing. CONTACT DETAILS Website Instagram Facebook YouTube Email This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
There's no end in sight for the current government shutdown, which entered its third week on Wednesday. While Democrats are clinging to their $1.5 trillion demands—and Republicans, for once, are refusing to capitulate—there has been a palpable shift in the government shutdown state of play. This week, Rep. Mike Haridopolos, R-Fla., joins “The Signal Sitdown” to discuss the evolving dynamics of shutdown politics. “Historically it should be a surprise,” that Democrats have opted to shut down the government, Haridopolos told The Daily Signal. “The Democrats historically have always got along with a clean [continuing resolution],” he added. That's especially the case in recent history, as Democrats have voted upwards of a dozen times for a nearly identical continuing resolution that kept the government open and running on spending levels set during former President Joe Biden's administration. To add insult to injury, the continuing resolution that would last through Nov. 21 was negotiated by Republican and Democrat appropriators. “We negotiated this ahead of time,” Haridopolos told The Daily Signal. “[House Appropriations Chairman] Tom Cole sat down, of course, with the House appropriators and Democrat appropriators, and said, ‘We're going to have a clean [continuing resolution], what else do you need? We want to do it till January.” Democrats, however, wanted the continuing resolution to expire in November. “We acquiesced and said, ‘Okay, fine, November 21,'” Haridopolos continued. “We negotiated. So this drama about ‘They never had a seat at the table' is wrong.” Keep Up With The Daily Signal Sign up for our email newsletters: https://www.dailysignal.com/email Subscribe to our other shows: The Tony Kinnett Cast: https://megaphone.link/THEDAILYSIGNAL2284199939 The Signal Sitdown: https://megaphone.link/THEDAILYSIGNAL2026390376 Problematic Women: https://megaphone.link/THEDAILYSIGNAL7765680741 Victor Davis Hanson: https://megaphone.link/THEDAILYSIGNAL9809784327 Follow The Daily Signal: X: https://x.com/intent/user?screen_name=DailySignal Instagram: https://www.instagram.com/thedailysignal/ Facebook: https://www.facebook.com/TheDailySignalNews/ Truth Social: https://truthsocial.com/@DailySignal YouTube: https://www.youtube.com/dailysignal?sub_confirmation=1 Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
The more time passes, the more truth comes out about what is going on behind closed doors with the Padres. Now it's revealed that there is tension between CEO Erik Greupner and AJ Preller. Which leads to more questions like, who is actually running the Padres? The Rams ruled out Puka Nacua for Week 7; the Chargers are favored over the Colts. Joe Flacco and the Bengals beat Aaron Rodgers and the Steelers. The Brewers are so awful. Coach Kentera joins the show.Support the show: http://kaplanandcrew.com/See omnystudio.com/listener for privacy information.
The more time passes, the more truth comes out about what is going on behind closed doors with the Padres. Now it's revealed that there is tension between CEO Erik Greupner and AJ Preller. Which leads to more questions like, who is actually running the Padres? The Rams ruled out Puka Nacua for Week 7; the Chargers are favored over the Colts. Joe Flacco and the Bengals beat Aaron Rodgers and the Steelers. The Brewers are so awful. Coach Kentera joins the show.Support the show: http://kaplanandcrew.com/See omnystudio.com/listener for privacy information.
Atheism is often pointed out as a religion, and in many ways, the obsession with health and wellness has become its own secular form of legalism. Ray, E.Z., Mark, and Oscar remind listeners that while bodily exercise is valuable, it can easily become idolatry if it replaces worship of the Lord. Gluttony has long been a silent sin, rarely addressed in churches, yet food can just as easily become an idol as the pursuit of beauty or fitness. The guys emphasize the need for balance: a pastor should not be marked by obvious gluttony, but at the same time, believers must avoid falling into the opposite extremes. Humans are wired to worship—so the question is, what or who are you worshiping?There is nothing wrong with caring for the body, but when the motive is self-glorification rather than glorifying God, the line has been crossed. Historically, Christians have been known for fasting, generosity, and blessing others, rather than being consumed by self-care. When self-care becomes an idol, it often reveals a fear of death and a desire to earn immortality. The truth is that the outer man is wasting away, and eternal life is found only in Christ. Motivation determines whether health is pursued as an idol or as stewardship of the temple of the Holy Spirit. Oscar shares that he lifts weights to maintain strength and longevity, aiming to serve God and his family well as he ages. E.Z. adds that part of his drive is to avoid becoming a burden to his children and to maximize his impact for the Lord.The wellness industry has grown worldwide, but combining wellness practices with paganism introduces another possible danger. Practices like meditation or yoga often promise salvation through Eastern philosophies, but they are just another form of legalism that cannot defeat death. Eternal youth is a false hope; eternal glory in Christ is the true answer. Believers should desire to live fully until they die, striving to honor God with their bodies.The guys emphasize the practical benefits of activity, pointing out that humans were not made for a sedentary life in front of screens. Exercising strengthens both body and mind, and tackling tough challenges builds confidence and resilience. At the same time, they warn against being judgmental toward others who practice moderation. Rest, too, is part of God's design, and the Sabbath reminds believers that they are not machines defined solely by their productivity. Ultimately, the message is simple: avoid gluttony and laziness, reject the idolization of beauty, view health as stewardship, and above all, love God with all your heart, soul, mind, and strength.Send us a textThanks for listening! If you've been helped by this podcast, we'd be grateful if you'd consider subscribing, sharing, and leaving us a comment and 5-star rating! Visit the Living Waters website to learn more and to access helpful resources!You can find helpful counseling resources at biblicalcounseling.com.Check out The Evidence Study Bible and the Basic Training Course.You can connect with us at podcast@livingwaters.com. We're thankful for your input!Learn more about the hosts of this podcast.Ray ComfortEmeal (“E.Z.”) ZwayneMark SpenceOscar Navarro
Public power utilities are community-owned, not-for-profit electric utilities that deliver reliable, low-cost electricity to about 2,000 communities serving more than 55 million Americans. Among the cities served by public power utilities are Austin, Texas; Nashville, Tennessee; Los Angeles, California; Jacksonville, Florida; and Seattle, Washington. The Large Public Power Council (LPPC) is the voice of large public power in Washington, D.C. It advocates for policies that enable members to build critical energy infrastructure, power the growth of the economy, and provide affordable and reliable electricity to millions of Americans. The LPPC's members are 29 of the largest public power systems in the nation. Together, they serve 30.5 million consumers across 23 states and territories. Tom Falcone, president of the LPPC, noted that all power companies, whether publicly owned, cooperatives, or investor-owned utilities (IOUs), are in the same business, that is, to reliably deliver electricity to customers. The big difference is that public power companies are accountable at home. “We're publicly owned. We are not-for-profit. We are community oriented. We're mission oriented. And so, our real goal, and only goal in life, is reliable, affordable power—sustainable power—back home at the least cost to customers,” Falcone said as a guest on The POWER Podcast. “So, we're not necessarily looking to grow loads or grow earnings, unless that's favorable to our community, unless we're meeting the needs of our community or lowering costs for them.” Public power companies face many of the same concerns as co-ops and IOUs. One of the biggest challenges today is rapid load growth, driven by data centers, artificial intelligence (AI), and the increasing electrification of manufacturing and transportation. “The biggest thing is that the load is arriving faster and lumpier, and in a more concentrated fashion, than it has in the past,” explained Falcone. “Historically, when somebody new came to town, they wanted, you know, 5 MW, or maybe they were really large and they wanted 100 MW,” said Falcone. “But what we have today is folks who come to town and they want a GW, which is enough to power probably 600,000 homes, depending on what part of the country you're in.” Falcone said about half of LPPC's members are seeing this very, very rapid growth. “They could double over the next 10 years,” he said. While the demand for the energy is very immediate, utilities' ability to build infrastructure is not. “We have to go through the same permitting and public processes, and construction and supply chain, and it just doesn't allow us to build quite that fast,” Falcone reported.
Kieron Allen speaks with Chris Pope, Chief Product Officer at AutomatePro, in an in-depth discussion that is part of a broader series of podcasts, articles, and reports on ServiceNow's evolving ecosystem. They explore how intelligent automation and agentic AI are reshaping DevOps and quality assurance. The conversation also highlights how AutomatePro's built-on approach enhances developer productivity, reduces risk, and ensures security, all within the ServiceNow environment.AutomatePro's AI EdgeThe Big ThemesAutomatePro's Core Mission: AutomatePro focuses on solving one of the most time-consuming parts of software delivery: testing and documentation. Pope explains that their goal isn't to replace humans but to augment their efforts through intelligent automation. By embedding deeply within the ServiceNow platform, AutomatePro allows developers and platform owners to automate repetitive tasks early in the development cycle, ensuring higher-quality releases and faster deployment.Human-AI Collaboration Wins: The myth of AI replacing people is outdated. Pope reframes the conversation: it's not about replacement, it's about enablement. The real winners will be those who know how to use AI effectively. Today's Copilots are context-aware, learning from human behavior and adapting to different personas — whether it's a developer, analyst, or HR owner. Prompt engineering is emerging as a vital skill, and the better the prompt, the better the AI-driven output.DevOps Innovation Without Compromise: AutomatePro and ServiceNow are reshaping DevOps by making speed and quality compatible. Historically, faster releases meant riskier ones. With AutomatePro's intelligent testing automation, that tradeoff no longer exists. Frequent, smaller releases — the “fixed forward” model — are now safer thanks to early automation, embedded security, and contextual AI. Pope argues that platform owners and developers are the new heroes in enterprise IT, and equipping them with Copilots, intelligent workflows, and instant feedback loops unlocks untapped value.The Big Quote: "You're not going to be replaced by AI per se, you're going to be replaced by someone that knows how to use AI effectively."More from ServiceNow and AutomatePro:Follow AutomatePro on LinkedIn or learn more about ServiceNow and intelligent automation. Visit Cloud Wars for more.
Ryan and Saagar discuss Saagar destroys Pete Hegseth, Dems push old candidate over populist, Pakistan massacres protesters, Bari Weiss debunked. To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.
Chatting today all about fortune telling with author Tom Benjamin!Historically, fortune tellers have always stood on the margins of society and been villainized by the Christo-Colonial powers that view divination as competition. The Modern Fortune Teller's Field Guide takes a contemporary and engaged approach to divination, with a strong focus on social responsibility. Because fortune tellers can see the world as it is, we serve as a threat to structures that benefit from secrecy.The Modern Fortune Teller's Field Guide is an essential guide to anyone seeking theory and history alongside divinatory knowledge. Though anyone today can pick up a pack of tarot cards or begin casting bones, fortune tellers have a responsibility in taking up that work to consider not only the forebears who suffered for that art—but also to understand the systems of oppression that impact our clients. Book: https://www.crossedcrowbooks.com/shop-crossed-crow-books/p/modernfortunetellersfieldguideWebsite: www.tombenjamintarot.comInstagram: https://www.instagram.com/tombenjamintarotYouTube: https://www.youtube.com/@thefoolsjournal
Off The Bench is back weekdays from 10a to 11a followed by The Stone Shields Show from 11a to noon! On October 16, 2025, Paycor Stadium in Cincinnati will host a pivotal AFC North showdown as the Pittsburgh Steelers (4-1) invade the reeling Cincinnati Bengals (2-4) for Thursday Night Football. Kickoff is set for 8:15 p.m. ET, exclusively on Prime Video. With the Steelers riding a three-game win streak and eyeing sole possession of the division lead, this matchup pits a surging defense against a Bengals squad desperate to halt a brutal four-game skid. The narrative couldn't be more dramatic: a battle of grizzled quarterbacks. Pittsburgh's Aaron Rodgers, 41 and thriving in his one-year Black-and-Gold stint, has injected precision into an offense that's clicked since his offseason arrival. The Steelers' attack averages 22.7 points over its last three games, bolstered by a line allowing just nine sacks. Rodgers faces a Bengals defense ranked near the bottom in QB pressure and sacks, ripe for exploitation. Meanwhile, Cincinnati turns to 40-year-old Joe Flacco, freshly traded from Cleveland, after Joe Burrow's season-ending Grade 3 turf toe surgery. Flacco's debut flop—a 27-18 loss to Green Bay—exposed vulnerabilities, but with Ja'Marr Chase) and Tee Higgins, the passing game could spark. Pittsburgh's defense, a steel wall allowing 14.7 points per game lately, looms large. T.J. Watt (3.5 sacks) and Nick Herbig (4.5 sacks) terrorize from the edge, while Patrick Queen leads with 44 tackles. The Bengals' patchwork offensive line, plagued by injuries to guards Dylan Fairchild (knee) and Lucas Patrick (calf), will struggle to protect Flacco. Cincinnati's run game, led by Chase Brown, must grind to stay afloat. Historically, the Steelers dominate, leading 71-40 all-time and 3-2 in the last five, outscoring Cincinnati by 26 points in those tilts. They've covered in five of six recent meetings, fueling their -5.5 spread favoritism (O/U 42.5). Yet, the Bengals boast a 4-1 home record against AFC foes, hinting at upset potential. This rivalry, born in the 1970s merger madness, always delivers grit. Expect a low-scoring affair—Pittsburgh's five straight unders vs. Cincy scream caution. The Steelers' sharpness should prevail, but Flacco's veteran guile might force a nail-biter. In the end, Pittsburgh pulls away 24-17, extending Cincy's woes while solidifying divisional supremacy. Music from #InAudio: https://inaudio.org/ Track Name Holy (Trap). Music from #InAudio: https://inaudio.org/ Track Name Exercise (Rock). #Bengals #BengalsRumors #BengalsSteelers
How is the Spanish sparkling wine Cava different from the Italian bubbly Prosecco? What makes Xarel·lo stand out from Spain's other traditional Cava grapes? How did Alicante's Monastrell grape give rise to the rare Fondillón wine, and what makes it different from Port or Sherry? In this episode of the Unreserved Wine Talk podcast, I'm chatting with Sarah Jane Evans, author of the terrific new book The Wines of Central and Southern Spain: From Catalunya to Cadiz. You can find the wines we discussed at https://www.nataliemaclean.com/winepicks. Giveaway Two of you are going to win a copy of Sarah Jane Evans' wonderful new book, The Wines of Central and Southern Spain: From Catalunya to Cadiz. To qualify, all you have to do is email me at natalie@nataliemaclean.com and let me know that you've posted a review of the podcast. I'll choose two people randomly from those who contact me. Good luck! Highlights What do you need to know about Xarel·lo and Spanish sparkling wine? How does Cava compare to Prosecco? What effect does the aging process used for premium Cavas have on their taste profile, and how does it compare to Champagne? What is the historical significance of the Terra Alta region? Which historical artifacts has Sarah Jane encountered while visiting Spanish vineyards? How does Richard Ford's 1840s observation about Valencia still define Spanish wine culture in the Valencia region? What might surprise you about the ancient amphorae in Valencia and how they're used in modern winemaking? How do the three main styles of Sherry differ? Which types of glassware and food pair best with Sherry? What are copitas, and how do they differ from other glasses used for Sherry? How does serving temperature affect our enjoyment of Sherry? What do you need to know about wine and the Canary Islands? What challenges and opportunities does Sarah Jane see for the future of the Spanish wine industry? Key Takeaways How is the Spanish sparkling wine Cava different from the Italian bubbly Prosecco? Prosecco bubbles are created and captured in the tank to make it a pleasantly fizzy drink. Whereas Cava is made exactly like Champagne. It's aged in the bottle with its yeast. It begins to develop other aromas which are nothing to do with flowers or fruits. The youngest Cava, can be released at nine months, younger than the youngest Champagne. If you're going to have a very young fizzy wine, then Prosecco is very appealing. What makes Xarel·lo stand out from Spain's other traditional Cava grapes? People have started to recognise that this white grape variety, once just a component in blending, can be grown on its own and produces lovely, fresh, excitingly lively wines that are not very high in alcohol. If you're making Cava, it's the one that will last. It has a capacity to age, which is better than the other two. How did Alicante's Monastrell grape give rise to the rare Fondillón wine, and what makes it different from Port or Sherry? Alicante is one of the places for Monastrell. Historically, they used to make a wine out of this red grape that got so ripe they didn't need to fortify it because the grape on the vine got so sweet that it turned itself into alcohol. Then it was a wine that was stable enough you could have it in a barrel. Then you could send it to India or to Africa, all around the world. About Sarah Jane Evans Sarah Jane is an award-winning writer. She travels widely as an educator and consultant, and is a Contributing Editor to Decanter. Her books include The Wines of Central and Southern Spain, The Wines of Northern Spain, Seville, Chocolate Unwrapped, and also the entries on Spain and Sherry for the annual Hugh Johnson Pocket Wine Guide. Sarah Jane received the Royal Order of Isabella the Catholic awarded by the King of Spain for her work for Spain. Beyond Spain, her special interests in wine are Greece, South America and the great fortified and sweet wines of the world. To learn more, visit https://www.nataliemaclean.com/359.
Every day, transportation is an essential thread woven into the fabric of our lives. Public transportation systems have silently shaped the landscapes of communities, perpetuating disparities and reshaping urban environments in ways that often go unnoticed. Historically, accessible and equitable public transportation infrastructure has been crucial for low-income communities. However, systemic disinvestment and car-centric transportation policy has consistently and disproportionately impacted marginalized communities, exacerbating economic and social gaps. Guests on this episode describe how addressing longstanding neglect and discriminatory practices in transportation planning is crucial to supporting marginalized communities in the fight for economic justice.For more information on this episode, please visit: https://tminstituteldf.org/justice-above-all/. This episode was research and produced by the TMI 2024 Summer Research Fellows (Oreoluwa Ale, Wisdom Chandler, Shaleyah Carter, Aliyah Davenport, Loren Floyd, Chelsea Mendes, Mardet Mulugeta, and Priyanka Mukhara) with assistance from Lauren O'Neil. It is hosted by Priyanka Mukhara. Resonate Recordings edited the episode.If you enjoyed this episode, please consider leaving a review and helping others to find it! To keep up with the work of LDF, please visit our website at www.naacpldf.org and follow us on social media at @naacp_ldf. To keep up with the work of the Thurgood Marshall Institute, please visit our website at www.tminstituteldf.org and follow us on Twitter at @tmi_ldf.If you enjoyed this episode please consider leaving a review and helping others find it! To keep up with the work of LDF please visit our website at www.naacpldf.org and follow us on social media at @naacp_ldf. To keep up with the work of the Thurgood Marshall Institute, please visit our website at www.tminstituteldf.org and follow us on Twitter at @tmi_ldf.
“The Future of Life Institute has been working on AI governance-related issues for the last decade. We're already over 10 years old, and our mission is to steer very powerful technology away from large-scale harm and toward very beneficial outcomes. You could think about any kind of extreme risks from AI, all the way to existential or extinction risk, the worst kinds of risks and the benefits. You can think about any kind of large benefits that humans could achieve from technology, all the way through to utopia, right? Utopia is the biggest benefit you can get from technology. Historically, that has meant we have focused on climate change, for example, and the impact of climate change. We have also focused on bio-related risks, pandemics and nuclear security issues. If things go well, we will be able to avoid these really bad downsides in terms of existential risk, extinction risks, mass surveillance, and really disturbing futures. We can avoid that very harmful side of AI or technology, and we can achieve some of the benefits.”Today, we take a closer look at the future of artificial intelligence and the policies that determine its place in our societies. Risto Uuk is Head of EU Policy and Research at the Future of Life Institute in Brussels, and a philosopher and researcher at KU Leuven, where he studies the systemic risks posed by AI. He has worked with the World Economic Forum, the European Commission, and leading thinkers like Stuart Russell and Daniel Susskind. He also runs one of the most widely read newsletters on the EU AI Act. As this technology is transforming economies, politics, and human life itself, we'll talk about the promises and dangers of AI, how Europe is trying to regulate it, and what it means to build safeguards for a technology that may be more powerful than anything we've seen before.Episode Websitewww.creativeprocess.info/podInstagram:@creativeprocesspodcast
Historically, a government town like Washington didn't have to scrape and scrap for jobs like other cities. These days, amid unprecedented cuts to federal employment, DC has no option but to focus on finding other ways for locals to pay the rent. Deputy Mayor Nina Albert is in charge of that effort, and she's here to talk about what they are — and aren't — up to. Want some more DC news? Then make sure to sign up for our morning newsletter Hey DC. You can also become a member, with ad-free listening, for as little as $10 a month. Learn more about the sponsors of this October 14th episode: Public Welfare Foundation National Center for Victims of Crime Babbel - Get up to 55% off at Babbel.com/CITYCAST Interested in advertising with City Cast? Find more info HERE.
“The Future of Life Institute has been working on AI governance-related issues for the last decade. We're already over 10 years old, and our mission is to steer very powerful technology away from large-scale harm and toward very beneficial outcomes. You could think about any kind of extreme risks from AI, all the way to existential or extinction risk, the worst kinds of risks and the benefits. You can think about any kind of large benefits that humans could achieve from technology, all the way through to utopia, right? Utopia is the biggest benefit you can get from technology. Historically, that has meant we have focused on climate change, for example, and the impact of climate change. We have also focused on bio-related risks, pandemics and nuclear security issues. If things go well, we will be able to avoid these really bad downsides in terms of existential risk, extinction risks, mass surveillance, and really disturbing futures. We can avoid that very harmful side of AI or technology, and we can achieve some of the benefits.”Today, we take a closer look at the future of artificial intelligence and the policies that determine its place in our societies. Risto Uuk is Head of EU Policy and Research at the Future of Life Institute in Brussels, and a philosopher and researcher at KU Leuven, where he studies the systemic risks posed by AI. He has worked with the World Economic Forum, the European Commission, and leading thinkers like Stuart Russell and Daniel Susskind. He also runs one of the most widely read newsletters on the EU AI Act. As this technology is transforming economies, politics, and human life itself, we'll talk about the promises and dangers of AI, how Europe is trying to regulate it, and what it means to build safeguards for a technology that may be more powerful than anything we've seen before.Episode Websitewww.creativeprocess.info/podInstagram:@creativeprocesspodcast
5. The Raven: Mythology, Intelligence, and Return AUTHOR: Stephen Moss BOOK TITLE: 10 Birds That Changed the World This excerpt examines the large, highly intelligent Raven (a crow on steroids). Its deep mythology stretches from the earliest civilizations, including Norse legend, where Odin's ravens (Huginn and Muninn) flew around the world as his eyes and ears. The myth states that if the ravens leave the Tower of London, the kingdom will fall. Historically regarded as harbingers of doom and persecuted as scavengers, ravens are currently making a successful, adaptable comeback in Britain. 1849
Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices. He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year. The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education. Keith Weinhold 0:26 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989, Corey Coates 1:39 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 1:55 Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length Speaker 1 6:53 for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee Keith Weinhold 8:46 gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%. today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism. Keith Weinhold 15:45 Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k Keith Weinhold 20:16 Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next. Keith Weinhold 24:25 Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education, Keith Weinhold 24:44 if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com Keith Weinhold 25:55 the same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 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 pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com. That's Ridge lending group.com. Hi. Russell Gray 26:29 This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream. Keith Weinhold 26:36 welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles. Keith Weinhold 34:56 This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream Speaker 2 39:41 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 and. Will see exclusively. Keith Weinhold 40:09 The preceding program was brought to you by your home for wealth. Building, get richeducation.com.
(0:39) — JETS: The Jets' historically low offensive output leads to another loss as they fall to 0-6. (14:27) — KNICKS: JJ gives his thoughts on the Knicks. (19:31) — CALLS: Callers talk Jets. (34:10) — BOBBY SKINNER: Bobby Skinner of the Giants Nation pod joins the show to talk about the win over the Eagles, Jaxson Dart's rise, and how the front office has put together this roster. (55:25) — TWO QUESTIONS: JJ answers random questions. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. We always want to hear from you! Leave JJ a message on the listener line at 917-382-1151. Follow JJ on Twitter: https://twitter.com/john_jastremski Follow NYNY on Instagram: https://www.instagram.com/nynytheringer/ Host: John Jastremski Guest: Bobby Skinner Producer: Stefan Anderson Learn more about your ad choices. Visit podcastchoices.com/adchoices
While we don’t want to focus TOO much on numbers in Scripture, we do know that God uses specific numbers to speak things to us. Historically, the church has understood that the number seven is equated to completion. It makes sense that this is the number of steps identified in Ezekiel 40…the text Pastor JD will be teaching from today.
Tip prompts are everywhere. Historically tipping in the US comes from a dark place. More recently tipping became a legal way to not pay a minimum wage. Tipping used to be a reward for having received great food and service. Now it is an expectation regardless of if deserved. We have SPACE for you at the National Street Food VendorsAssociation! Support, Promotion, Advocacy, Community, Education all on one site. https://nsfva.org/ Get on my schedule for a free no obligation call. Talkto a real food truck owner with decades of experience. https://bit.ly/Bill-MooreLove what we do on the podcast? Show one timesupport here: https://bit.ly/Podcast-Support
Weather in the tropics is decidedly different than it is in the middle latitudes. It turns out, so are the weather systems – the factors that create things like the daily temperature and humidity! Historically, most weather forecasting models have been based on data from high-income countries in the northern hemisphere. But different factors drive weather and climate near the equator – meaning that these weather forecast models are much less accurate at predicting weather in the tropics. This has implications for storm readiness, flooding preparedness and more. Atmospheric scientist Ángel F. Adames-Corraliza is aiming to change that. His research focuses on how water vapor – humidity – plays a key role in tropical weather systems. It's earned him a spot as one of this year's Macarthur Fellows. Interested in more science about how weather happens? Email us your question at shortwave@npr.org.Listen to every episode of Short Wave sponsor-free and support our work at NPR by signing up for Short Wave+ at plus.npr.org/shortwave.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
Mike Palmer welcomes back Friend of the Show, AJ Gutierrez, the pioneering co-founder of Saga Education, now CEO of Equal Opportunity Schools (EOS). AJ shares his transition from direct service to a focus on systemic change, detailing the crucial, often overlooked, mission of EOS: identifying and accelerating equitable opportunity for high-potential students. Historically, education equity conversations focus on raising students to grade level; EOS tackles the issue of "stranded brilliance" by finding students—disproportionately Black and Brown students experiencing poverty—who are ready for advanced coursework but are being overlooked. AJ cites compelling research from Mathematica demonstrating that students placed in AP classes through the EOS process perform just as well as control groups, confirming they were ready all along. The conversation pivots to the broader K-12 landscape, touching on threats to federal data infrastructure (e.g., IES, NSF funding) and the role of AI. AJ stresses that while technology is a powerful tool for decision support, summarization, and translation (like with IEPs), it's not a silver bullet. He outlines his vision for the "next derivative" of EOS—leveraging their extensive student and teacher survey data (300,000 students surveyed annually) to act as a crucial data backbone for districts. This involves connecting district leaders with high-leverage information to evaluate the return on investment across specific initiatives (e.g., STEM, absenteeism) and empowering families with simple, accessible data to shape their children's educational trajectories. Key Takeaways: Addressing "Stranded Brilliance": Equal Opportunity Schools (EOS) focuses on finding and placing high-potential students who are overlooked into advanced coursework, a crucial and effective pathway for systemic equity. Data Backbone for Districts: The next phase of EOS involves using its large survey dataset to serve as a central source of strategic data for district leaders, connecting initiatives, vendors, and outcomes. AI as Decision Support: Generative AI's greatest educational utility lies in summarizing complex data and translating information (like IEPs) for better family accessibility, not in replacing human decision-making. The Power of Policy & Practice: True systems change requires demonstrating successful practice (like high-impact tutoring) to inspire policy shifts and empower districts to sustain effective models locally. Why You Should Listen: If you are concerned about educational equity, the integrity of educational data, or how district leaders can make smarter investment decisions with limited resources, this episode is a must-listen. AJ offers an optimistic and evidence-based perspective on how to leverage data to shake up the status quo, ensuring that every student who is ready for advanced opportunity gets the chance to pursue it. Subscribe to Trending in Ed wherever you get your podcasts so you never miss a conversation like this one!
Are You Missing Out on Real Estate's Best-Kept Secrets? Imagine investing in properties where: Tenants fix their own roofs You can boost income with a few tech upgrades Most investors are too scared to even look This episode reveals two underground real estate niches that could change your wealth strategy forever: Mobile Home Parks and Parking Lots Special Guest: Kevin Bupp, an investor with over $1 BILLION in real estate transactions under his belt shares how everyday investors are building wealth in places others overlook. Grab your FREE real estate investment white papers and unlock hidden wealth strategies at InvestwithSunrise.com Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/574 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:00 Welcome to GRE. I'm your host. Keith Weinhold, talking about first mobile home park investing and then investing in parking lot assets. What makes them profitable? What gets investors excited about mobile home parks and parking lots? What are the risks and what's the future of both of these real estate asset classes? All with a terrific guest today on get rich education. Keith Weinhold 0:28 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly. Again, 1-937-795-8989, Corey Coates 1:40 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 1:56 Welcome to GRE from Burlington, Vermont to Burlington, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. We are all firmly in the fall season. Now, autumn, if you prefer. And as we often do, we're discussing residential real estate investing today, but it's two different and distinct niches within that, and I guess they both have to do with wheels, as it turns out, mobile home parks in the first part of the show and then parking assets later today. I think there's a compelling future use case for at least one of those two to speak to our international audience for a moment, but this will actually help clarify things for you. If you're a North American too, though it's called a mobile home, well, it doesn't really have that much to do with wheels. There might not be any wheels on it. And if a resident lives inside one of these for, say, a decade, well then it's probably going to remain attached to that same location on the ground all 10 years. That's why a mobile home is often referred to now as a manufactured home. What it is is it's a factory built residence, constructed on a permanent chassis and then transported to a site. I mean, that's what we're talking about here, and they are a less expensive alternative to traditional homes that have, say, a cast in place, concrete foundation. So therefore, understand, mobile homes are affordable housing, highly affordable housing, and that's really important in this housing affordability crisis. And I've talked quite a bit about that on the show, and the meager national supply of that all types of affordable housing, they are recession resilient. I mean, that's just one reason why we love affordable housing types here at GRE where we're often buying rental property just below an area's median price. You know, people think of mobile home parks MHPS, that they're all crime ridden and that there are slumlords. But that is not true in every case. There are actually nice ones. If you're an MHP investor, you often only own the land beneath the structure, and not the mobile home itself. The resident owns the mobile home itself. So therefore, if there's a leaky roof or a window needs replacement, or flooring needs replacement, that is on the resident to fix, not you. MHP dwellers, they often don't have to pay property tax, though, because, like I said, they don't own the land. The landlord, or the community, therefore, is the one that has to pay the property tax. So there's some thoughts on mobile home parks for you, parking asset, real estate that's still settling into its post pandemic pattern with Return to Office mandates that aren't really fully matured yet. We're still settling in and seeing how that is going to look. And then when it comes to parking lots, you got to wonder about its future. When you consider the proliferation of autonomous cars, will that make parking lots obsolete? I'll have our guest address that longtime GRE listeners, you might remember episode 13 of this show, yeah, almost 11 years ago, that episode was about how autonomous cars will affect your future and your real estate and the very need for parking lots and a lot of what I discussed there in early 2015 that is beginning to come true, but this autonomous car adoption that is way slower than a lot of people thought. I mean, most Americans, they still have not been inside an autonomous car at all. A lot of people are still saying that they don't trust that that should change soon. But as for now, I'm just guessing that fewer than one in 10 Americans have been inside an autonomous car, probably quite a bit less than that. Today's terrific guest has over $1 billion in real estate transactions under his belt. This should be interesting. He is a specific investor in both mobile home parks and parking assets. Keith Weinhold 6:26 Today's guest is a seasoned real estate investor entrepreneur, and he's a prominent voice in the space, because he hosts the real estate investing for cash flow show. He's built a strong reputation as an expert in two niches that have less competition than some other investments, and we'll discuss those two today. They are mobile home parks and also parking asset investments too often overlooked yet pretty profitable niches, and he and I have a lot in common. I'm on the Forbes real estate Council. He is on the Forbes Technology Council. He and I are both native Pennsylvanians. It's been quite a few years. Hey, welcome back to GRE it's Kevin Bupp. Kevin Bupp 7:06 Hey, Keith, thanks for having me back. And yeah, excited to be here, my friend, and excited to finally get caught up. When you referenced that, it was nearly eight years since we last spoke. I was taken back a little bit because A lot's happened in past eight years. Keith Weinhold 7:21 I know that's wild with where things are at. People didn't even know the meaning of the word pandemic when you were last here on the show, Kevin, let's talk about really the case for mobile home parks. I know they can be a strong, cash flowing asset once people are really dialed into them. I think what's interesting is, since you were last here on the show, really, from the pandemic on, it's been a well documented national story where lay people just know about how the supply of housing just is not adequate in order to meet demand, and what that usually means, just talking about the single family space is, of course, they're building, but they're not building fast enough to keep up with population growth and housing demand. But what's so compelling about mobile home parks is, I mean, they're barely even building them anymore, like they are contracting in supply in a lot of areas. So tell us more about the compelling case for mobile home parks. Kevin Bupp 8:16 Yeah, well, you had a big one. You know? It's an asset class that has a diminishing supply, right? We can get into the reasons behind that. But, you know, just from a high level perspective, one of the other factors as it relates to, you know, available homes, available housing for the growing population, is that while they are building stick boat homes, they're not fulfilling the needs of those that actually need affordable housing. So there's not a lot of the average working household can't necessarily afford the starter home any longer, and so mobile home parks are unique. I truly feel they're the best vehicle to help us fill this void of housing, affordable housing that is really needed throughout the entirety of the country. I mean, there's very few markets in this country that are still affordable. There's some places you can still go buy. You can probably go to Flint, Michigan, buy a home for 50 or $60,000 but generally speaking, I think the median home price today, I think it's crested over 400,000 I don't have the exact number, but I do believe over $400,000 and the average starter family, or even folks that are, you know, just working two jobs, making 40, $50,000 a year, they can't afford to purchase that type of home, a $400,000 home. And so again, these mobile homes you had mentioned, they're not building mobile home parks any longer. However, they're still building new mobile homes, and it's kind of interesting what's evolved over the past 10 years. The quality of the product is it's like a night and day difference of what it looked like 1015, years ago, of the homes themselves to what they look like today, and what you get for your money. You know, the average single wide that we might be putting into a community, brand new home, 13, 1400 square feet. Someone could come in and for roughly $80.70 $80 a foot, can buy a brand new home that's never been lived in before, that's unheard of, that's absolutely unheard of when you compare it to the average or the median home price across the US today. So it really is kind of the last frontier, and it's typically any market that we're in, if you take the same comparable quality of an apartment complex in the same, you know, area of town, the same school districts, we're typically about 20% less all in cost to actually own your own home, versus that of even renting the comparable size apartment. So it's a very compelling reason for folks that are looking for an affordable place, but not just affordable, but clean, safe and quiet. I mean, like we run very respectable communities, they're in the really good school districts. They're places that folks are proud to live and raise their families, then, Keith Weinhold 10:22 yeah, that's true. This would really help meet that affordability challenge, another problem that's been so well documented. Talk to us more about what makes mobile home park investing different from investing in single family rentals or even a fourplex or a 20 unit apartment building. Kevin Bupp 10:40 A lot of the fundamentals are similar, and I would say that it's probably more comparable to that of an apartment complex to a certain degree. Just think of it as a horizontal apartment complex, where units aren't stacked on top one another. They're just layout horizontally more wider than they are tall. But the bigger difference is in most instances, we don't actually own the homes, so the residents own the mobile homes, whereas we as community owners own the infrastructure, we own the land. We own the roads, when the sewer lines, the water lines, the common areas, if it has a clubhouse, if it has amenities, so we maintain and we own all that collective area where the folks basically come and they bring their home, they fix it to the ground, and then ultimately pay a slot rent to have their home there on that premise. And so for us, it's very attractive in that the resident that's in their home, if they have a Roofing Leak, they have a plumbing leak, they have their HVAC system go out. They're not calling us like they enter an apartment complex. It's on them, yeah. So they're homeowners. And a couple other really attractive elements of that that come as a result of having residents that live there, not just renters, is that they're very sticky. And so just like in a standard single family subdivision, where you've got folks that might have lived there for generations, you just reference that your parents literally live in the same house, and so they've lived there a very long time. It is quite common to find residents and even multi generations of the same family that live in our communities. And a couple come to mind. We just celebrated a woman's 50th year of living one of our communities in brendalin. And so you've got sticky resident base. There's not a lot of turnover. And then the last big piece of it that is really attractive us is a homeowner mentality is very different than a rental mentality as far as upkeep. And so you got folks that they plant flowers, they ensure that their units have curb appeal, right? They put flags out, they put decorations out during the holidays. It's a lot more warmth than that of what you might find in a traditional rental apartment complex. Keith Weinhold 12:26 So what all does the tenant pay for? You mentioned that they pay for the lot rent. What other expenses do they have? How does that look for them? Kevin Bupp 12:36 Typically, you know, utilities. So they'll have their own individual meter. They'll pay, you know, direct to the utility company, utility provider, water and sewer as well. They'll pay for their water and sewer usage. And that can come in many different forms. Sometimes, where our communities have public utilities, where it's built directly by the utility provider, sometimes it's more of a private system, where we're actually acting and participating as utility provider and building them back for their usage. Really the standard things that you might pay for if you live in a single family home. I think so the areas where it might differ. And honestly, this is really community by community for us, some of our communities, literally, the residents, they pay for the utility use, but outside of that, literally, we mow the grass, we shovel their driveway, we shovel their walkways, we handle all those type of elements, whereas some other communities, the residents we might require that they actually maintain their own grass so they their own grass, so they have to mow it, or hire a a third party vendor to come in and mow it. They might have to actually shovel their own driveway. And a lot of how we run a community really is depend on how it used to be run when we took it over. You know, if it's not broke, we don't fix it. And so a lot of times we don't like shaking things up too much. If they're used to a certain way, we just keep it status quo and continue rolling on of how the prior ownership used to manage it really similar elements of what a folks, an individual living in a single family home, might pay for so very similar. Keith Weinhold 13:48 Okay, so they pay you the rent for the lot. This puts nearly all the maintenance and repair burden on them. So is there any sort of HOA like body here? Kevin Bupp 13:58 Not in our community. You do find some communities, and most of these that have an HOA are typically a community that's gone through more of a co op type arrangement to where the actual individuals only like fractionalized share of the community, the residents that live there, and so then they have a the oversight from an HOA that's managing the daily operations, managing the financing, managing the budget, things like that. But in our communities, no, there is not an HOA, I'd say the one other thing that's typically included in lot rent is they don't have property taxes, right? So we own the land, and so the individuals that live in these units aren't paying individual property taxes. A lot of states require that they have a registration fee, just like you do in your vehicle, that they would have to pay on an annual basis. And then most of them have insurance as well. You know they're covering you're carrying homeowners insurance on the actual dwelling itself. Outside of that, it's, again, just pretty straightforward, Keith Weinhold 14:47 yeah. So here we are in this low competition, low supply niche that we're talking about here we think about communities and nimbyism and building, not in my backyard. ISM oftentimes that's a sentiment that residents of a certain area have, residents say something like, ah, we don't want this new 200 unit apartment building or mobile home park here in our single family home neighborhood, like, that's nimbyism. But in mobile home parks, to me, it seemed like nimbyism is often at a different level. It's at the government or the municipal level, like your town or city, might not want one, because it doesn't generate as much property tax revenue as a new single family neighborhood would. Is that the reality? Kevin, Kevin Bupp 15:31 that's absolutely the reality. And that's why you don't see new parks getting built. I think last year, ones that I know of, there are about a dozen that were built, many more than that. They're actually shut down, you know, for redevelopment purposes. And so that is absolutely huge part of it. In fact, you know, it's frustrating, because pretty much every municipality across the country the topic of affordable housing, it's on the radar, and it's probably one that is discussed quite often. And in all reality, again, these mobile home parks really would help resolve that challenge at most of these you know, municipalities are the shortage of homes, affordable homes, that they're facing across the country. And so, you know, another big piece of it, you mentioned the tax basis, absolutely, you know, the municipality would make, they'd have much better tax revenue from pretty much anything else that could be built there. And so that's a big barrier. But the nimbyism piece of it, I think a big part of that is it's unfortunate. I think it's getting better over time. There's bad operators in our space, just like they're bad operators in the apartment space, just like there's bad operators landlords that have single family homes that just let them deteriorate over time and don't repair things. Unfortunately, we kind of get lumped all the mobile home parks get lumped in that bad bucket. And so while there's, you know, I always joke and say there's mobile home parks that are on the wrong side of town, wrong side of the tracks, right? You don't want to go to and during the daytime. Well, guess what? There's subdivision, the single family home, neighborhoods that are the same thing, and there's apartments that are like that as well. You don't go anywhere near them. And you've got the middle of the road, right? You've got just the good, hard working, blue collar folks that want to send their kids to good public schools. We've got those communities apartments are that way too single family home subdivision, you got white collar stuff. You got some higher end stuff. Unfortunately, we kind of all get lumped in that bad bucket. That's where the assumption that's made by folks that don't understand mobile home communities have never driven through one. They just assume that it's all, you know, basically, drug, sex, rock and roll, the wrong element that we do not want in our neighborhood. We don't want anywhere near us. It's going to devalue our home prices. And for that reason, you just don't see them getting built. It's unfortunate, but it's the truth. Keith Weinhold 17:20 Yeah, I'm just thinking about the mobile home park that I drive past most often. It's sort of walled off. There's maybe an eight or 10 foot high wall around it. I don't know if that's something that the municipality erected to sort of screen its appearance off, or something that the mobile home park built, which is my guess as to who built it, but not all mobile home parks look blighted Kevin Bupp 17:43 absolutely, yeah. And I don't know the case that you just referenced there. I mean, it could be for sound deadening purposes, if it's off of a busy road. It could have been something put up as far as just to kind of shield off so folks that are driving past don't see the community. My guess would be that's probably not the the reason that was built. But in any event, these are, there's, you know, we've got a number of communities, Keith, that if you drove through, and I didn't, if I blindfolded you and you drove in, so you went past the entrance, you went past a sign that said manufactured home community, and I took you down a road, you wouldn't believe that you were actually in a mobile home park. Some of these homes, they're double wide homes, and they look like ranch homes, and so they're actually laid out perpendicular to this, or parallel to the street, and then they have two car site built garages that are attached to them via breezeway. So they look like your traditional ranch style home, but they're absolutely 100% mobile homes that could be moved if you wanted to move them, and for a fraction of the price of what a neighboring single family home might sell for. So there's all different qualities. They all come in different shapes and sizes. But to my point earlier, some of these communities, they're not even affordable. There's actually, there's down here in Florida, we've got what we call lifestyle communities. It's very common out in Arizona as well, where it's a lot of times a second home for snowbirds, you know, retirees that want to come down and want to live an active lifestyle. You know, they want to have two swimming pools. They want to have an activities director. They want to have, you know, shuffleboard and pickleball courts and tennis courts, and they want to live this lifestyle. And those units are anything but affordable. In fact, there's many. There's a community down the road for me that, you know, their lot rent is $1,200 a month, and so you factor that in with probably a house payment. And you know, you might be looking at 2000 to, you know, $2,300 a month, all in for the house and the lot rent. And so not necessarily in the affordable scheme of things, but they come in all shapes and sizes and again, unfortunately, we just get lumped into that bad bucket. It's unfortunate because I do think that we could really help start making a dent in this affordable housing crisis. I don't how it's going to happen any other way. I really don't, because we can't build affordable products at this point in time. It's not possible Keith Weinhold 19:37 a posh an exclusive mobile home park there that you're referencing in Florida. As paradoxical as that sounds, tell us, Kevin, how that really works, because I know you help investors get in to mobile home parks. Does this mean an investor owns a full Park? Or I wouldn't imagine you're just doing it at the level where you just own one lot and then have One dweller pay you the lot rent. So tell us about how it works from the investor angle. Kevin Bupp 20:05 We have fund structures that we typically roll out through sunrise capital investors and any one individual fund will own somewhere between nine to 13 somewhere, typically in that range, mobile home communities. These communities can range in size from maybe as small as 80 or 90 lots to the largest community we own at present time is 780 lots. And so it's quite large. I mean, the size of a small town. But essentially, investors come in and they own a based on their investment. They own a proportionate share of the various properties that are owned underneath that fund umbrella. And so one, an individual, might come with 100,000 and own a smaller proportion share than someone that comes in with a million dollars. But they are owners. They're absolute owners. They participate in the cash flow, they participate in the the upside, and they participate in the proceeds. When we have capital events, either cash out refinances or potential sale events. Keith Weinhold 20:56 Tell us more about why it's so profitable. Why do mobile home park investors get excited, Kevin Bupp 21:01 as with anything, Keith, you know, you got to buy it, right? And, you know, we look at a lot of deals, and a lot of deals don't pencil like, if we bought it for what they're asking, we would make money. We might lose money. And so the money's made on the buy, just like with any other type of real estate investment. But I think the one factor that really has allowed mobile home parks to be an attractive investment vehicle over the past, really, the last decade, it's grown the attention of lots of different private equity groups, institutional investors, that 15 years ago, they weren't in the space, and the biggest reason is a lot of these. It's a very fragmented niche, and so there was no consolidation that existed 10 years ago. There was really only two public traded companies outside that. It was mom and pops, mom and pops, that typically owned one, maybe sometimes two or three communities, but it was just a very fragmented niche. And what you find those fragmented niches that there's a lot of inefficiencies that exist in the operations. There's a lot of inefficiencies that exist with regards to utility management or managerial oversight within the community, or even keeping up with market rents. And so very often, we'll get into a community we just bought one at the end of last year, and right outside of Ann Arbor, you know, great sub market in Michigan. It's it literally has never traded hands. It was built back in the 80s by the gentleman we purchased it from. He was a subdivision developer, but he got into the manufactured housing space, so he built this, what looked like a subdivision, but it was mobile homes and and he basically owned it up until we acquired it last year, but gorgeous community, well maintained, needed some upgrades, different amenities that just were a little worn out and tired. But the biggest element within that community was that the market rents in the local area were roughly $800 a month. $800 a month for lot rent, and when we purchased it from him, the average lot rent throughout the community was $477 so there was a significant loss lease that exists. And we see this quite often with just over time they've owned it, free and clear, they go 567, years out, doing rent increases, and sooner or later, they find themselves in a situation where they are severely below the local market rents. And so there's typically a lot of loss, at least recapture, that we find going into these communities. Sometimes we'll also go in and we'll find there's a lot of waste with the water and sewer cost. It might not be billed back for usage to the residents, to where if you're not paying for something, sometimes you're abusing it. And a lot of times we can go in and put individual meters in and almost send entirely that savings down to the bottom line and find it as additional noi on our PNL. And so it's just inefficiency of operations, and again, quite common, given the mom and pop nature of this asset class. But it's very quickly becoming consolidated. Now it looks very different today than what it looked like as far as the ownership groups. When I go to an industry event 10 years ago, those other guys like us, and then a lot of mom and pops. Now it's, you know, the likes of reps from Blackstone and Carlisle group and and got lots of other institutional groups that are showing up there. So just it's very different world, and probably more akin to that of what the apartment sector looks like, as far as ownership groups and the consolidation that's happening. Keith Weinhold 23:52 You're feeling more of that competition. Kevin and I are going to come back and talk about another, I suppose, real estate investment that has something to do with wheels, and that is investing in parking lots. I'm your host, Keith Weinhold Keith Weinhold 24:07 if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point because even the word abbreviation is too long. My letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video course, completely free as well. Now it's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com Keith Weinhold 25:19 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 pre qual and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com. Ted Sutton 25:51 Hey, it's corporate directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 25:59 welcome back to get rich education. We're talking about two real estate investment niches with Kevin bump today, an expert in both mobile home park investing and in parking lot assets. And Kevin, I got to tell you, I am more skeptical about parking lot investing than I am about mobile home park investing, but you can probably help me with this. I think we know that. I mean, gosh, just historically, ever since Henry Ford did his thing. I mean, mass transit adoption is really slow in most US cities. But anymore, one needs to wonder, okay, can autonomous cars disrupt the parking model? A Robo taxi can just constantly stay on the road, dropping off and picking up passengers where, you know, some people foresee a day in the not too distant future that people won't even need to own cars. They'll sort of have a subscription to a car service, but now this is where your expertise is. So I'm sure you thought above and beyond that. So what are your thoughts there, just for the need for parking spaces? Kevin Bupp 27:11 You make a valid point. I think the adoption of that, it's, I think it will be very different from market to market, say, the city, whereas, if you want to maybe look at one area. We have a parking garage today in downtown Phoenix, Arizona. Phoenix is very much a driving city. It's parsed out very far the public transit. It's not great there. And again, it's just it's a wider state, whereas, if you compare it to like a San Francisco, the adoption of Robo vehicles and robotaxis and things like that autonomous vehicles is much, much faster than that of a of a phoenix. But also San Francisco is much a much more consolidated marketplace as far as the urban core. And so for that reason, you know, we look at parking, it's got a there's a couple things also that feed into that. So I want to back up a little bit. One of the major changes that has been really playing out over the past 15 years within the parking sector is that building departments within now, I think it's over 100 cities across the country. Denver just announced last week that they're also adopting this policy. And that policy is that historically, if you were Keith, you're going to go on, hey, I want to build this in downtown. I want to go build this apartment complex, condo complex, mixed use property, whatever it might be. Historically, they would have required you, whether you wanted to or not. They would have made you put in a certain amount of parking per 1000 square feet, every municipality would have a formula. And what, what a lot of these cities realized a couple decades ago is that, based on their, you know, antiquated formulas, they had a surplus of parking available on a lot of these downtown areas. You know, it wasn't being used. And given the developer an opportunity and the choice to say, Hey, do I want to build 20 more parking spaces that aren't going to get used? Or I want to build want to build 10 more apartment units, they're going to choose the apartment units. And so the parking mem requirements have been taken away, have been eliminated in a lot of cities over the last decade plus. And so that's created a shrinking supply of parking because now when developers build something, they're building only as much as they need, sometimes not even as much as much as they really need, because then they can still rely upon other ancillary parking structures within the immediate marketplace. And so, so there's a shrinking supply of parking. And every city that we own in today there's a massive shrinking supply of parking. So that's big piece of it that we know that inevitably, if we get the location right, an area where literally, you wouldn't be able to afford, based on the cost of construction and the cost of lands, they wouldn't be able to afford even building new parking structure, if you so chose to. And now that there's also a shrinking supply, diminishing supply, of this parking that we can be comfortable in our demand for our product, and so to the point of like autonomous vehicles and things of that nature, I do think there will be a time. I don't know how long that time is. I do think that there will be a time where we'll see some sort of impact. I don't know what that is. And so how we underwrite deals is we feel very confident over the next 10 years. We have to have a absolute confidence level over the next 10 years that there's going to be continual demand based on the various factors within this marketplace, the demand drivers that are servicing that garage, like, who's parking there, why they're parking there. But second to that, when we. Buy something. We need to have the air rights. We know that there inevitably will be a higher and better use. So Location, location, location, it's got to make sense today as parking. We got the underwriting has to stand on its own as parking, and we have to have a comfort level that 10 years, there will be sufficient demand throughout the duration of the next decade, in the event things start changing down the road, we know that, literally, the lowest use that it could ever have is its present use, which is parking because it's just a concrete structure, sometimes just an asphalt parking lot, to where, once you go vertical, that's where you're going to be able to unlock a lot of additional potential. And so we don't underwrite the future. We look at that as icing on the cake. But we know, based on the the location, the proximity to, you know what else is happening in that marketplace, that location will be in demand, not just today, but many decades to come. So I'll stop there and see if you have any clarifying questions. Keith Weinhold 30:51 I think about how for the parking lot investor, Jamie Dimon has been really good for you. He is so hard on the return to Office. Mandate? Kevin Bupp 31:01 Yeah, I'd say one thing that's important to make note is, I don't know what the future holds for office I tend to make the argument that wherever picking office building in a marketplace, wherever they're at with occupancy today, I think it's probably as good as it's going to get. We don't have to go down that rabbit hole. But I just I feel like it's been long enough since covid. And don't get wrong, there's gonna be a few companies that are going to be pressed that are going to be pressing, you know, in a big way, to get people back, but I think 80% of them that we're going to go back are already there. And so any parking asset that we look at, if it's got more than 10 or 15% as far as relationship with an office building or multiple office buildings in immediate vicinity, then we typically pass on it. And on top of that, it's got to have a variety of demand drivers. So it just can't be supportive of one or two different demand drivers. We have have at least five. And so it can be a courthouse, municipal buildings, sports arenas. It's got to be a 24/7 city where there's something happening, 24 hours a day, seven days a week, hotel, valet, restaurants, retail, things like that. And office has to be a very minimal part of that makeup, or else we just move on, because I don't know how to fix it. How to fix that problem yet. I don't know what's going to you know what the future holds for your traditional office towers, especially the ones that are, you know, 50, 60% vacant at the present time? Yeah, that's interesting, because when you look at a parking lot and you're evaluating its potential and its current use, yeah, you're basically thinking about, what is that tenant mix. You don't want 100% of it to be for one office building. You would probably want a number of uses. That's correct. Yeah, absolutely. Again, like I said, Five is our minimum. I mean, the more the merrier. And I'd say another big piece of it, if we had to look at the different demand drivers and put a value or a hierarchy of what we feel, what are the highest priority demand drivers, transient is the best. I want to know that the folks that are coming there, there's enough attractions in immediate vicinity, and we need to know what those attractions are, and better understand those attractions. But there's a variety of attractions in the immediate vicinity to where it's going to continually attract transient parking. So it's not just it's not a reliance upon one thing. And so, for example, we just closed on a garage in historic Philadelphia, and so it's a block away from Liberty Bell, two blocks from Independence Hall, any of other museums. I mean, like it's it is we talk about location, location, location. It's there that part of Philadelphia has been in demand by tourism for hundreds of years, and I don't foresee that that changing anytime soon. And so 70% of the makeup of the traffic in that garage is made up of transient traffic, so folks that are visiting the various attractions and immediate vicinity. So even if one of those attractions went away, which most of them are historical, they're not going to go away. If one or two did, it still wouldn't have that significant of an impact on the parking demand. Keith Weinhold 33:36 That's interesting. Okay, a transient customer, not one that's showing up and parking there every day to go to work. And yes, the Liberty Bell, Independence Hall, there's going to be a long term demand to see those sorts of things in person. So that's an interesting way to think about that. And Kevin, while we've been talking about parking, at least in my mind's eye, a lot of times, I've just been thinking about one paved at grade parking area, but we're talking about parking garages as well. Or what are some of the trade offs there between parking garages and an at grade parking lot? Kevin Bupp 34:08 Yeah, I mean, at grade parking lot is, can't get any simpler than that. I mean, typically they're asphalt or sometimes just crushed gravel, but that's it. So as far as future capex requirements, there's not many, right? It's very, very minimal. Whereas a parking garage, especially if it's in a colder environment, where there's snow and you've got salt on the road, salt that's making its way up the concrete, seeping into the cracks, you've got structural rebar issues to worry about, things of that nature. So weather can take a major toll on parking structures if they're not maintained well. Whereas you know the worst that could happen the same weather, you know, the weather takes the same toll on these asphalt parking lots, but it really only equates to maybe a pothole that you have to fill in, and a parking structure could be deteriorated to the point of no return if it's been neglected long enough to where it might be unsafe, structurally where you know now you're you're getting condemned or shut down. So big considerations there, it's interesting. We Own, the one we own in Phoenix, the Phoenix, it's a desert. It's a desert climate. They get very little moisture. And that was that parking garage was built in the 60s, so very long time ago. It's the oldest thing we have in our portfolio, but it better condition has been preserved better than that of of a recent garage we purchased that was built in 1990 that's all the environment that's in. You know, there's really not much that can deteriorate concrete once in the desert. Keith Weinhold 35:22 Was there any last thing on parking lot investing like something that gets an investor really interested in this asset class? What's really compelling and profitable about it? Kevin Bupp 35:33 It's very technology driven business, and what we have found is a lot of these parking assets, of either they're owned by, you know, an individual investor, or if they happen to be owned by an institution, they've never been viewed as the primary investment vehicle. A lot of institutions that own parking garages, they happen to own them by default, because maybe they bought the two office towers years back, and it just happened to come with parking right? And so a lot of times, they've been somewhat neglected, like the PnL has been neglected. They haven't found ways to really extract all the value out of these parking facilities. And so very commonly, we'll go in and we'll find that the technology that's in place is 10 years old. And think about what a computer 10 years ago look like, right? Like it's you're not catching all the license plates. You're not able to log in and adjust pricing in a dynamic manner based on supply, demand factors. And so we can simply go in and just create a more efficient pricing model and find sometimes, you know, 10 15% of additional revenue just from doing those simple things, like literally a few $100,000 worth of upgrades and technology, we can add millions of dollars of value. There's other factors, you know, just simple things folks want to park in a not just clean and safe, but well lit. You know, they want to feel safe in lighting. And we'll find parking facilities that still have old halogen lights. Half of them are burnt out. If you start serving people, they're actually not parking there in the evenings. They're finding somewhere else to go because they don't feel safe. And so just going in and doing a revamp, you know, an upfit with LED lights, making it nice and bright, bright and clean and letting everyone feel safe, we'll find a instant increase in demand and Parkers in the later evening hours. So I mean just little simple operational tweaks that we can make that just have simply been overlooked for many, many years by the prior ownership groups. Keith Weinhold 37:15 That's really interesting, that oftentimes the owner of a parking lot owns that parking lot as an afterthought, because they were in it to purchase the building that accompanies the parking lot. So it would make sense that when you focus on that parking lot, you could really add value and profitability to that lot. Well, Kevin, these have been interesting chats between mobile home park investing and parking lot assets. I think that the commonality here is that you the investor, are just owning a lot, and therefore the maintenance and hassles with these things are really low. This gives our audience an awful lot to think about. So Kevin, are there any last thoughts that you have about this space overall, and then please let us know how our audience can learn more. Kevin Bupp 38:02 No additional thoughts. I don't believe I'd say that if you have an interest, if we've piqued your interest at all, we've written a number of white papers on both asset classes, both parking as well as mobile home parks. You can download all that for free on our website. Invest with sunrise.com We've got a number of other case studies on our website. We're pretty transparent. Well, what we buy, what we've owned, what we've exited out of. We'll go as far as providing appraisal reports and third parties and things like that on our website. So if you just want to get a sense of not just who we are, what we do, but just have a better understanding of the investment thesis behind parking and manufactured housing, there's tons of resources that you can download from the website. Keith Weinhold 38:37 Well, that's a great way to learn more about Kevin, what he does, and then maybe even invest alongside him. Well, Kevin, it's been valuable and eye opening. It's been great to have you back on the show. Kevin Bupp 38:46 Yeah, thanks for having me, Keith. Been a lot of fun, my friend. Good seeing you again. Keith Weinhold 38:57 Yeah? Good stuff from Kevin there. The MHP space becoming more consolidated and corporatized too. You know, single family rentals are different from mobile home parks in that way. I mean, 90% of single family rentals are owned by small mom and pops, which means those people that own between just one and five properties, Kevin used the term loss to lease a few times. That phrase loss to lease being a real estate education show what that term means is really a lot like how it sounds. It is the potential income that a property owner misses out on because the actual rent collected is less than the current market rent. That's what loss to lease means. Though, I like the long term future of mobile home parks more than parking deals. You know, Kevin did, though, have some great answers for why he still likes parking. He focuses on a 10 year horizon. He. Looks for at least five use types for the parking. And then another great point is that in a lot of cases, the land that the parking occupies is its lowest use. So therefore, when they sell the parking area, they can get some nice exit income. That makes a lot of sense. And being two native Pennsylvanians like we are, I am familiar with that part of Philly that he's talking about. In fact, what's funny is that, in producing this show today, I guess cookies are doing their thing. This parking lot deal in Philly just appeared in my Instagram feed next week on the show, it'll be back to no guest. It's going to be all me, and you're going to hear some things that you wouldn't expect to hear Until then, I'm your host, Keith Weinhold, don't quit your Daydream. Dolf Deroos 40:51 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. Unknown Speaker 41:19 The preceding program was brought to you by your home for wealth, building get richeducation.com
The Cleveland Browns are going with Dillon Garbiel in London! Not Shedeur Sanders. Not Joe Flacco. So much noise around this team. It's ridiculous! It is always a mess with this team! (16:00) The Colorado Rockies have fired its GM. One of the worst seasons of all time. Bill Schmidt has been there since 1999, GM since 2021. Three straight 100-game losing seasons. 119 losses this year. Terrible farm system. (25:30) Bruce Bochy will not be the Giants manger. Not happening said Buster Posey. (30:20) What is going on with the Cardinals? What happened to the winning? Chaim Bloom is trying to change it. (37:00) Electronic Arts is being acquired for $55 billion… by the Saudi Public Investment Fund. Excuse me? (44:00) The Big Ten is about to get into bed with private equity. A $2 billion plan? What does that mean for the future of that conference? Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Cleveland Browns are going with Dillon Garbiel in London! Not Shedeur Sanders. Not Joe Flacco. So much noise around this team. It's ridiculous! It is always a mess with this team! (16:00) The Colorado Rockies have fired its GM. One of the worst seasons of all time. Bill Schmidt has been there since 1999, GM since 2021. Three straight 100-game losing seasons. 119 losses this year. Terrible farm system. (25:30) Bruce Bochy will not be the Giants manger. Not happening said Buster Posey. (30:20) What is going on with the Cardinals? What happened to the winning? Chaim Bloom is trying to change it. (37:00) Electronic Arts is being acquired for $55 billion… by the Saudi Public Investment Fund. Excuse me? (44:00) The Big Ten is about to get into bed with private equity. A $2 billion plan? What does that mean for the future of that conference? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Free speech defenders are losing ground as government pressure mounts. Legal expert Greg Lukianoff reveals why the Kimmel case should terrify everyone.Full show notes and resources can be found here: jordanharbinger.com/1216What We Discuss with Greg Lukianoff:The Trump administration used FCC licensing threats and merger approval leverage to force ABC to fire Jimmy Kimmel — a form of "jawboning" where government coerces private entities to censor speech the government itself cannot legally punish.Historically, free speech has been the primary tool for minorities and marginalized groups. Martin Luther King Jr., Nelson Mandela, Frederick Douglass, and Gandhi all relied on free speech to challenge the majority and the powerful.Hate speech laws don't change minds — they drive people into echo chambers where they radicalize further. When people can only discuss controversial views with those who already agree, extremism intensifies rather than diminishes.Over one-third of college students believe violence can be acceptable in response to speech. Two-thirds support shouting down speakers, representing mob censorship that undermines the marketplace of ideas and threatens intellectual discourse.Practice intellectual courage. When encountering disagreeable speech, engage rather than silence. Ask yourself: "Am I safer knowing less about what people think?" The answer is no — open dialogue reveals problems early, strengthens your arguments, and builds a healthier society.And much more...And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:Cayman Jack: Explore uncharted flavor: caymanjack.comQuiltmind: Email jordanaudience@quiltmind.com to get started or visit quiltmind.com for more infoPaka: Paka hoodie & crew socks: go.pakaapparel.com/jordanButcherBox: Free protein for a year + $20 off first box: butcherbox.com/jordanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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