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Joseph Fielding Smith is the architect of controversial LDS orthodoxy. He has some controversial writings about Blacks and Ezra Taft Benson. We'll also delve into his role with Lowell Bennion, a BYU professor who was fired. Was JFS responsible or was it someone else? Matthew Bowman answers. We'll also dive into his role in shaping orthodoxy in the 20th century. Check out our conversation... https://youtu.be/toqjRr1B8Eo Joseph Fielding Smith: Architect of Controversial LDS Orthodoxy Joseph Fielding Smith described as a "lightning rod" due to some views considered politically incorrect today, particularly regarding race. Dr. Matt Bowman, author of "Joseph Fielding Smith, a Mormon Theologian," sheds light on Smith's impact on the church. One of the most uncomfortable aspects of Smith's legacy is his writings about Black individuals, especially concerning the priesthood. In his work, The Way to Perfection, Smith explicitly stated his subscription to the theory that people of African descent were less righteous in the pre-existence. He used language suggesting they were "not entitled to be born white." Smith was a staunch "defender of the racial restrictions" in the Church and became a major exponent of the idea, which the source traces back to Orson Hyde, that Black people possessed souls less righteous in the pre-existence. This stance led to prominent public clashes, notably with church educator Lowell Bennion at a symposium in the early 1950s. Their argument over the ban contributed to Bennion's eventual dismissal by Ernest Wilkinson, who was president of BYU and commissioner of church education. Wilkinson viewed Bennion as too liberal on race and saw Smith as an ally in this regard. While Wilkinson was the person who carried out the dismissal, the collision with Fielding Smith helped instigate the decision. Disagreement with Benson Smith also had complex relationships, even with those seen as ideologically sympathetic. Despite being viewed as a fellow conservative, Smith had significant disagreements with Ezra Taft Benson. A letter from Smith exists in which he hoped Benson's "blood will be purified" upon his return from a mission in Europe in the 1960s. Smith was skeptical of the Church becoming heavily involved in American politics, viewing Benson's fascination with politics as distasteful and inappropriate for an apostle. He considered it "unseemly" and "disreputable." Smith also saw Benson as a conspiracy theorist, distinguishing standard conservative politics (like that of Dwight Eisenhower or David McKay) from conspiracy theory. Smith hoped Benson's time away would rid him of these inclinations, allowing him to return as an apostle rather than an aspiring amateur politician. This highlights that "real deep divides" can exist even within the conservative camp. Controversial LDS Orthodoxy Perhaps Smith's most enduring theological contribution was his role in developing the idea of orthodoxy within the Latter-day Saint tradition. Orthodoxy, an older Protestant concept particularly associated with John Calvin, posits that being a faithful member requires believing certain things and that incorrect beliefs can jeopardize salvation. This was not a central idea in the early Christian Church's first century. Smith, possibly influenced by Protestant fundamentalism, began insisting in the mid-20th century that belief is actually really important and that believing "the correct ideas" were crucial because incorrect beliefs could "ruin your salvation." He defended this notion vigorously. Historically, while early Christianity saw debates over ideas like the Trinity, and Roman Catholicism emphasized sacraments and art for teaching, the strong push for average members to understand and adhere to correct doctrine emerged from the Reformed Protestant tradition. Smith's emphasis on orthodoxy gained significant traction in the church. When he became President, many members of the Quorum of the Twelve were individuals he ...

Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    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 Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Along the way, we stumble across fantastic old-timey baseball names

Gout is a form of inflammatory arthritis caused by high levels of uric acid in the blood - 'once called the disease of Kings' because only rich people got it - and over the last decade or two, new cases have exploded across all social, cultural and financial demographics (so not just rich people). Historically, it was believed that gout was caused by eating too much red meat, seafood and dairy but of course, Gillespo is here to dispel that thinking and talk about the real culprit. Sugar, of course.See omnystudio.com/listener for privacy information.

Peerspace is a brokerage site used for short-term rentals for photo shoots, video productions, events, podcasts, meetings and the like. Historically, Peerspace made their revenue by taking a percentage off of every single booking done through their website. However, recently Peerspace has instituted a bidding system which allows location managers to pay to have their spaces ranked higher in the site's search algorithm. What will this do for renters? What will this do for location managers? Short answer; things are likely to get more expensive for everyone. https://jamespatrick.com/

The Trump administration is proposing changes to the definition of “harm” under the Endangered Species Act. The proposed changes would prohibit actions that only directly relate to hurting or killing an animal. Historically, the word “harm” has been defined broadly to include habitat loss, which is a leading cause of extinction for endangered species. Noah Greenwald is the endangered species director for the Center for Biological Diversity. He joins us to share more on the broader impacts this change could have in Oregon and across the U.S.

Ben, Woods, and Paul are here for you on a Thursday morning! We start the show with a little foreplay and discuss some of Woodsy's insecurities at the gym, and also talk about the scary plane crash here in town that occurred overnight less than a mile away from our radio station. Then at the bottom of the hour we get into the lowlights of yesterday's 14-0 loss to the Blue Jays, and how this 5 game losing streak is one of the worst stretches in Padres history. Listen here

Hour 1 – The Drive opened the show with some stats that show the Royals are likely a playoff team based on their success thru 50 games.

Sebastian Stoeckle, Global Head of Audit Innovation at KPMG, caught up with Emma Carroll, Head of Content at Source, on the latest episode of our The Future of the Firm podcast.   Sebastian and Emma shared their insights on the following matters and more:    Audit today is as important as it's always been, with its core mission still centred around generating trust in business entities. But the environment in which audit operates is transforming as a result of geopolitical, regulatory, and technological change.   There has been a shift in clients' attitudes to audit. Historically, they have seen it as burden, but now they understand that it can provide valuable insights for organisations.  Clients now expect more than just an analysis of transactions—they want insights, such as how to evolve their compliance systems and how they stack up against the rest of the marketplace.  The ability to apply a digital audit is limited by the client's own digital maturity. If organisations themselves have invested in standardising and centralising systems, this increases the capacity for audit innovation.   Neural networks and basic machine learning have been being used in audit for some time, but auditors are increasingly seeing the value of large language models. There's also huge potential in agentic AI and research reasoning models.   The future of audit is not about replacing humans, but creating a powerful combination of human expertise and machine capabilities.  If you enjoyed this conversation, don't miss our sister podcast, Business Leader's Voice. In a recent episode, we talked to Matthew Wilson, Chief Legal Office at Fremantle, about creating business resilience.  

From the BBC World Service: British Prime Minister Keir Starmer is expected to unveil the results of a reset in post-Brexit relations with the EU on defense, trade and fishing rights. We'll hear more. Then, Canada is home to 2 million Indigenous people, roughly half of whom say they struggle to afford basics, including food. Historically, Indigenous Canadians were limited from profiting from food production by law, but the government has now pledged to increase food security.

From the BBC World Service: British Prime Minister Keir Starmer is expected to unveil the results of a reset in post-Brexit relations with the EU on defense, trade and fishing rights. We'll hear more. Then, Canada is home to 2 million Indigenous people, roughly half of whom say they struggle to afford basics, including food. Historically, Indigenous Canadians were limited from profiting from food production by law, but the government has now pledged to increase food security.

This week… The Seattle City Council is considering putting 8-foot tall kiosks, equipped with cameras and advertising, downtown before the World Cup. Historically queer nude beach Denny Blaine Park is back in the news after SPD told some beachgoers that being nude is not legal in Seattle - newsflash, it is. And if you wanna keep your OG Seattleite card, maybe don’t change your phone number… You may not be able to get a 206 area code much longer. Stranger Queer Culture and Politics Reporter Vivian McCall and author and blogger Geraldine DeRuiter are here to break down the week. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

Today's show is an unusual show in that we are quoting national statistics. As you know, I don't love national numbers because they reflect averages and the average often doesn't apply in specific areas. When we look at demand for homes, and for rentals, there are historic norms that are based on demographics and employment that most market analysts use to predict demand for housing. This feeds into well understood models for household formation, the age at which people start having children, and the time when they purchase their first home. Recent studies are showing that the high cost of housing, combined with higher interest rates rates are reducing the number of new homes being sold to first time buyers across the US. The Mortgage Bankers Association published a new report earlier this week that outlines some startling statistics for single family home sales. We're going to look at these numbers and then infer what the implications might be for property investors, specifically in the apartment space and in the built to rent segment. Historically, first time home buyers have accounted for an average of 36% of home purchase transactions over the past 20 years. For 2024, this proportion fell to an all time low of 24% of purchases. First homes are being purchased nearly a decade later than historic norms. All of the major national home builders are reporting a slowdown in home sales and an acute slowdown in first time home buyers. Pulte homes, the nation's third largest home builder reported an 11% decline in first time home sales. -------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Rockies fans are holding out hope that owner Dick Monfort will sell the team after the historically bad season taking place in Colorado. What would a sale of the Colorado Rockies look like? Is there even a chance that could ever happen? Christian Saez and Henry Chisholm weigh in on the DNVR Rockies podcast. Intro - 0:00Is there a chance he sells the team? - 2:50Who locally would you want to take over? - 8:20Could the MLB step in? - 18:12Who is the face of the Rockies? - 33:00Trying to avoid more history - 50:10Excited for Carson Palmquist - 55:40Are the DBacks our rivals? - 58:09 Shop the sale now - https://store.allcitynetwork.com/ An ALLCITY Network Production PARTY WITH US: https://thednvr.com/events ALL THINGS DNVR: https://linktr.ee/dnvrsports BALL-KNOWER BONUS/Merch: https://promotion.allcitynetwork.com/promotions/store.allcitynetwork/7d48d294-4260-4bac-aca1-9a18eef8ca78 SUBSCRIBE: https://www.youtube.com/c/DNVR_Sports First Bank: So, if you're ready for better banking and the chance to earn a little extra, head to efirstbank.com/bonus. Certain restrictions and requirements apply. Member FDIC. Hall of Fame App: Get a 7-Day Free Trial + 50% Off your first month with code DNVR. Just download the HOF app on iOS and Android or visit www.hofbets.com, enter code DNVR, and you're all set. #ad Raising Cane's Rooftop Fridays: https://thednvr.com/event/friday-rooftop-club-at-coors-field-presented-by-raising-canes/   Monarch Money: Use Monarch Money to get control of your overall finances with 50% off your first year at https://www.monarchmoney.com/dnvr  bet365: Go to https://www.bet365.com/hub/en-us/app-hero-banner-1?utm_source=affiliate&utm_campaign=usapp&utm_medium=affiliate&affiliate=365_03485318 or use code DNVR365 when you sign up. Must be 21+ and physically located in CO.  Please gamble responsibly. If you or someone you know has a gambling problem and wants help call or TEXT 1-800-GAMBLERUCHealth: Learn more about Living Like There's A Tomorrow at https://www.uchealth.org/tomorrow/?utm_source=DNVR&utm_medium=Audio&utm_campaign=Brand_LLTIAT_Null_JFMFY25_AW_Null Visit Your Front Range Toyota Stores at a location near you - Toyota is the official vehicle of DNVR. Toyota - Let's Go Places! Toyota: Visit Your Front Range Toyota Stores at a location near you - Toyota is the official vehicle of DNVR. Toyota - Let's Go Places! Toyota Drive to the Playoffs: https://kse.jotform.com/250624177000950?camefrom=CFC_KSE_xJZqkfEGc0GvJpltfPs0pA&utm_[…]um=xJZqkfEGc0GvJpltfPs0pA&utm_campaign=xJZqkfEGc0GvJpltfPs0pA Coors Light:  Delivery on Instacart at https://coorslight.com/DNVR. Celebrate Responsibly. Coors Brewing Company, Golden, Colorado. Gametime: Download the app, create an account, and use code DNVR for $20 off your first purchase. Terms apply. Shady Rays: Head to https://shadyrays.com and use code: DNVR for 35% off polarized sunglasses. Try for yourself the shades rated 5 stars by over 300,000 people. Rugged Road: Gear up for your next adventure with Rugged Road Coolers - Your ultimate outdoor companion! Head to http://ruggedroadoutdoors.pxf.io/ALLCITY and use code DNVR for 10% off! Get 10 FREE meals at https://hellofresh.com/freerockies. Applied across 7 boxes, new subscribers only, varies by plan. When you shop through links in the description, we may earn affiliate commissions. Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing.

Rogers for America with Lt. Steve Rogers – Is the U.S. prepared to counter a million Chinese troops invading Taiwan? I also address Iran's nuclear ambitions, the tensions between India and Pakistan, and the potential for global conflicts, urging strong U.S. military funding and international cooperation to deter aggression. Historically, the United States military's “Peace through Strength” strategy...

We're wrapping up the design for the OPT4048 breakout: mostly putting the finishing touches on the Arduino library (https://github.com/adafruit/Adafruit_OPT4048). Since the whole point of this sensor is that it gives you CIE X & Y coordinates, we thought it would be cool to plot that onto a CIE diagram (https://en.wikipedia.org/wiki/CIE_1931_color_space). Historically, we'd have to use Processing (https://processing.org/), but now you can use WebSerial to get data directly from a microcontroller! Only catch — it's been like 15 years since I wrote JavaScript, so we asked Claude Code (https://docs.anthropic.com/en/docs/claude-code/overview) to help out. With a little direction, it delivered a perfect demo (https://github.com/adafruit/Adafruit_OPT4048/commits/gh-pages) in about 30 minutes. It was so fun, we're thinking of doing WebSerial demos for more products! You can try it out by uploading the code here (https://github.com/adafruit/Adafruit_OPT4048/blob/main/examples/opt4048_webserial/opt4048_webserial.ino) and then visiting this page: https://adafruit.github.io/Adafruit_OPT4048/webserial/ #Arduino #WebSerial #ColorSensor Visit the Adafruit shop online - http://www.adafruit.com ----------------------------------------- LIVE CHAT IS HERE! http://adafru.it/discord Subscribe to Adafruit on YouTube: http://adafru.it/subscribe New tutorials on the Adafruit Learning System: http://learn.adafruit.com/ -----------------------------------------

Summary: In this episode of the Wild Fishing Game Podcast, hosts Justin Townsend and Adam Berkelmans delve into the world of wild turkey hunting and cooking. They explore the history of the wild turkey, its various species, and the challenges hunters face. The conversation also covers preparation techniques, cooking methods, and innovative gadgets that enhance the culinary experience. With a blend of storytelling and practical advice, the episode captures the essence of the wild turkey saga. In this conversation, the speakers delve into various aspects of turkey preparation and cooking, sharing tips on how to effectively utilize different parts of the turkey, from the breast to the wings. They discuss versatile cooking techniques, creative recipes, and personal hunting experiences, emphasizing the importance of making the most out of every bird harvested. The conversation is rich with culinary insights and personal anecdotes, making it both informative and engaging for listeners interested in cooking and hunting. - ⁠⁠⁠Leave a Review of the Podcast⁠⁠⁠ - ⁠⁠⁠Buy our Wild Fish and Game Spices⁠⁠⁠ Links: How to Make Wild Turkey Kiev Wild Turkey Pesto Melt Better Than Takeout Sweet & Spicy Wild Turkey Wild Turkey and Nettle Brothy Beans Spicy Chipotle Wild Turkey Devilled Eggs Wild Turkey Thigh Tagine Takeaways: The wild turkey is a master of evasion and a challenging target for hunters. Historically, turkeys have been significant in various cultures, especially among the Aztecs and Mayans. The name 'turkey' originated from a misunderstanding of the bird's origins. Wild turkeys were once abundant in North America and became a vital food source for settlers. Benjamin Franklin advocated for the turkey as the national bird of America. Conservation efforts have helped wild turkey populations rebound significantly. Different subspecies of wild turkeys present unique challenges for hunters. Preparation techniques like brining and tenderizing are crucial for cooking wild turkey. Modern cooking methods include sous vide, deep frying, and smoking for optimal flavor. Innovative gadgets can enhance the cooking process and improve results. Remove as much tendon and connective tissues as you can before grinding. Ground turkey can be used in venison sausage recipes. Turkey breast can be deep fried like chicken. Different cooking methods include grilling, smoking, and braising. Turkey legs and thighs are best slow-cooked or shredded. Wings can be used for stock or braised and fried. Utilizing the entire bird enhances flavor and reduces waste. Creative recipes include turkey Kiev and pesto melt sandwiches. Cooking turkey with ramps adds a unique flavor. Hunting experiences provide valuable lessons and stories. Chapters: 00:00 The Hunt Begins: A Saga of Wild Turkey 03:58 History of the Wild Turkey: From Ancient Times to Today 09:56 Understanding the Wild Turkey: Species and Characteristics 14:47 Preparing the Wild Turkey: Techniques and Tips 20:06 Cooking Methods: From Brining to Smoking 24:55 Innovative Cooking Techniques: Gadgets and Methods 25:20 Preparing Turkey Meat for Cooking 26:04 Versatile Cooking Techniques for Turkey 31:37 Creative Recipes for Turkey Dishes 44:24 Turkey Hunting Stories and Experiences Keywords: Wild Turkey, hunting, cooking, history, species, preparation, culinary techniques, conservation, Thanksgiving, outdoor pursuits, turkey cooking, turkey recipes, hunting stories, turkey preparation, cooking techniques, wild turkey, turkey dishes, turkey hunting, culinary tips, game meat Learn more about your ad choices. Visit megaphone.fm/adchoices

Historically, having a baby was not a solitary endeavor. The partner was involved of course, but the parent's family, friends and whole community would come together to support not just the gestating parent but the whole family during this transition.  As a midwife and IBCLC in Australia, Kellie Eason sees the consequences of lack of support for families.  In this episode Katie Oshita and Kellie Eason discuss strategies of supporting families and finding ways to decrease isolation for parents.    Podcast Guest: Kellie Eason, IBCLC, brings more than 20 years of dedicated experience to her role as a trusted support for families.  Her background as a nurse, midwife and international Board Certified Lactation Consultant (IBCLC) in Melbourne, Australia, has equipped her with a comprehensive understanding of family needs during the early parenting journey.Podcast Host: Katie Oshita, RN, BSN, IBCLC has over 25 years of experience working in Maternal-Infant Medicine.  While Katie sees clients locally in western WA, Katie is also a telehealth lactation consultant believing that clients anywhere in the world deserve the best care possible for their needs.  Being an expert on TOTs, Katie helps families everywhere navigate breastfeeding struggles, especially when related to tongue tie or low supply.  Katie is also passionate about finding the root cause of symptoms, using Functional Medicine practices to help client not just survive, but truly thrive. Email katie@cuddlesandmilk.com or www.cuddlesandmilk.com  

Today's word of the day is ‘unacceptable' as in the Rockies as in Colorado as in Bud Black as in Dick Monfort as in historic. The Rockies have been so bad this year that this move surprised absolutely nobody. Could they break the record for most losses all-time that was just set last year by the White Sox? This Rockies team lost 21-0 on Saturday! (15:00) The Boston Red Sox ownership group flew to Kansas City to meet with Rafael Devers. Why now? (21:45) Is anyone else as confused as I am in watching the Knicks and Celtics series? Boston hit its shots and won big. Another 20+ point lead for them but held on. (27:25) The Oklahoma City Thunder and Denver Nuggets are both tired. That's what Nuggets coach David Adelman said. One of the worst first quarters you'll ever see. And the Nuggets somehow almost held on, but the Thunder got it done. Back to OKC we go tied up. (32:45) Review: Sacramento. (36:35) Astros starter Lance McCullers was emotional after his last outing after saying he received death threats for his performance. Not just him, but his children were targeted. Disgraceful. (44:20) The NBA Draft Lottery is tonight! Who will get the magic ball? Who has waved the white flag for Cooper Flagg enough? (47:00) NPPOD. (48:20) Bill Belichick and UNC is a nightmare.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's word of the day is ‘unacceptable' as in the Rockies as in Colorado as in Bud Black as in Dick Monfort as in historic. The Rockies have been so bad this year that this move surprised absolutely nobody. Could they break the record for most losses all-time that was just set last year by the White Sox? This Rockies team lost 21-0 on Saturday! (15:00) The Boston Red Sox ownership group flew to Kansas City to meet with Rafael Devers. Why now? (21:45) Is anyone else as confused as I am in watching the Knicks and Celtics series? Boston hit its shots and won big. Another 20+ point lead for them but held on. (27:25) The Oklahoma City Thunder and Denver Nuggets are both tired. That's what Nuggets coach David Adelman said. One of the worst first quarters you'll ever see. And the Nuggets somehow almost held on, but the Thunder got it done. Back to OKC we go tied up. (32:45) Review: Sacramento. (36:35) Astros starter Lance McCullers was emotional after his last outing after saying he received death threats for his performance. Not just him, but his children were targeted. Disgraceful. (44:20) The NBA Draft Lottery is tonight! Who will get the magic ball? Who has waved the white flag for Cooper Flagg enough? (47:00) NPPOD. (48:20) Bill Belichick and UNC is a nightmare.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Wealth Formula Network, our online mastermind group, is where we dive into the financial questions that keep us up at night, and one debate that keeps coming up is whether to pay off your mortgage. It's a complex question, but let's unpack the math and the emotion so you can decide for yourself. First, think of your mortgage as a lever: with just 20% down, you control 100% of your home's value. On a $500,000 property, that means your $100,000 down payment magnifies the impact of appreciation. If home values rise 4% in a year, your equity grows by $20,000—an effective 20% return on your original $100K. Had you paid the full $500,000 up front, you'd still make the same $20,000—but that's only a 4% return on investment. Next, consider opportunity cost. Every extra dollar you funnel into your mortgage is a dollar you can't deploy elsewhere—whether it's a diversified stock portfolio, a private deal, or even another rental property. Historically, a balanced investment mix has returned 10% annually, comfortably outpacing most mortgage rates and turning “trapped” home equity into “working” capital. Here's something else you might not have considered: your mortgage can actually serve as asset protection. Creditors (or an overzealous bank) are far less likely to tap a property that still carries a lien. By keeping a mortgage in place, you make your home less attractive as collateral and shield your equity in other holdings. So, when you run the numbers, the case for holding onto lower cost debt and investing the difference is compelling. But, math isn't everything. There's intangible value in the day you write “0.00” next to your mortgage balance: no monthly housing payment, no looming due dates, and a deep sense of security—especially as you head toward retirement. Bottom line—there is no single correct answer. Know the pros and cons, weigh your financial goals against your emotional needs, and choose the path that aligns with both your head and your heart. Make that decision thoughtfully, and you'll sleep better either way. Speaking of mortgages, have you ever wondered what reverse mortgages are all about? Those late-night commercials often make them seem like a ways to rip-off seniors. Is there something really useful there? Well, I invited an expert onto the show to teach us all about them and was pleasantly surprised. Reverse mortgages can be a smart tool for homeowners nearing retirement and something you might consider for yourself someday even if you've got other money. Curious to learn more? Tune in to this week's episode of Wealth Formula and get the full story.

In this episode, we chat with Wilson Monteiro, Global Business Line Manager for Gearless Mill Drives at ABB who are a leading provider of technologies and solutions for various industries, such as mining in motion, process and robotics. Wilson tells us about ABB, gearless technology, predictive maintenance, automation, digitalisation, and much more around the process and technology space. KEY TAKEAWAYS Wilson has a diverse background in electrical engineering, sales, and management, with extensive experience in automation and artificial intelligence. His career has spanned various roles at ABB and other companies, leading to his current position managing the gearless mill drive business globally. Uptime is critical in the mining industry, not only for profit but also for sustainability. Keeping machinery operational minimises CO2 emissions and maximises the efficiency of existing assets, which is increasingly important as the industry faces pressure to reduce emissions and improve productivity. Gearless mill drives (GMDs) are highlighted as a more energy-efficient solution compared to traditional technologies, offering up to 3.6% energy savings. This efficiency is significant when considering the large number of GMDs in operation globally, contributing to lower carbon footprints in mining operations. The shift towards integrated electrification, automation, and digitalisation is essential for modern mining operations. This integration leads to safer operations, fewer personnel on-site, and improved communication between systems, ultimately enhancing productivity and safety. Predictive maintenance, powered by AI, allows for proactive management of equipment by using real-time data to anticipate issues before they occur. This approach not only extends the life of machinery but also enhances operational efficiency and safety by reducing unexpected breakdowns. BEST MOMENTS "Uptime used to be all about profit. Today, it's about sustainability, too. Even a small hiccup can mean millions in lost production." "GMDs cut out mechanical losses because there is no gearbox or coupling. That alone gives you up to 3.6% energy savings." "It's not cost versus reliability. They go hand in hand. Reliable systems mean fewer unexpected shutdowns, which means fewer people exposed to risk." "Historically, mining has always been an industry slow to adopt change. There's a "Today, I can see some companies moving in a different pattern. Tech Quebrada Blanca is one of them; they have the best approach for operating a mine." VALUABLE RESOURCES Mail: rob@mining-international.org LinkedIn: https://www.linkedin.com/in/rob-tyson-3a26a68/ X: https://twitter.com/MiningRobTyson YouTube: https://www.youtube.com/c/DigDeepTheMiningPodcast Web: http://www.mining-international.org This episode is sponsored by Hawcroft, leaders in property risk management since 1992. They offer: Insurance risk surveys recognised as an industry standard Construction risk reviews Asset criticality assessments and more Working across over 600 sites globally, Hawcroft supports mining, processing, smelting, power, refining, ports, and rail operations. For bespoke property risk management services, visit www.hawcroft.com GUEST SOCIALS https://new.abb.com/mining/grinding/gearless-mill-drives https://www.linkedin.com/company/abb/ ABOUT THE HOST Rob Tyson is the Founder and Director of Mining International Ltd, a leading global recruitment and headhunting consultancy based in the UK specialising in all areas of mining across the globe from first-world to third-world countries from Africa, Europe, the Middle East, Asia, and Australia. We source, headhunt, and discover new and top talent through a targeted approach and search methodology and have a proven track record in sourcing and positioning exceptional candidates into our clients' organisations in any mining discipline or level. Mining International provides a transparent, informative, and trusted consultancy service to our candidates and clients to help them develop their careers and business goals and objectives in this ever-changing marketplace. CONTACT METHOD rob@mining-international.org https://www.linkedin.com/in/rob-tyson-3a26a68/ Podcast Description Rob Tyson is an established recruiter in the mining and quarrying sector and decided to produce the “Dig Deep” The Mining Podcast to provide valuable and informative content around the mining industry. He has a passion and desire to promote the industry and the podcast aims to offer the mining community an insight into people’s experiences and careers covering any mining discipline, giving the listeners helpful advice and guidance on industry topics. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

LEO XIV - a Deep State coadjutor? Have the Jesuits entrenched their web so deeply in the American system that they have revealed their geographic hand of power domestically? If so, it means that it is the same place they nursed and built the career of their political pawn, Barrack Obama, as Chicago now produces Rome's first American Pope. Historically known for its severe mafia roots, Chicago now becomes a spotlight of concern for US Constitutionalists' freedom of religion clause. Founded in 1244, Leo XIV is the first Pope to also represent the Order of Saint Augustine. Born, Robert Francis Prevost, this very politically liberal “conservative”, seems to be just the man Rome may use to formally usher the United States in to the New World Order. Is he merely under the control of the highly sophisticated Jesuit Order of which Pope Francis represented? Founded in 1540, the Jesuits are known as “God's Army”. They are a military arm of the Vatican ordered for conquest. Author Steven Drake comments. https://jesuitworldorder.org/about-the-book/

In recent years, the global drone industry has witnessed an unprecedented transformation, with Ukraine emerging as a significant player in this rapidly evolving market. The advancements in Ukrainian drone technology, led by DroneUA, coupled with the country's ability to manufacture high-quality drones locally, are revolutionizing not only the way drones are produced but also their applications across various sectors.The Rise of Ukrainian Drone ManufacturingValerii Iakovenko, founder of DroneUA, highlights the evolution of the Ukrainian drone industry over the past decade. Iakovenko notes that Ukraine is now capable of producing an astounding four million drones annually, with some companies manufacturing over 4,000 drones each day. This impressive capacity is a direct result of a strategic pivot towards local manufacturing, which has allowed Ukraine to mitigate risks associated with global supply chains, particularly those reliant on Southeast Asia.Iakovenko highlights the importance of local manufacturing in ensuring safety and security, particularly in the context of geopolitical tensions. As he notes, the ability to control the entire manufacturing process is crucial. By sourcing materials and components locally, companies can mitigate risks associated with foreign supply chains, which may be vulnerable to security concerns or hostile actions. This approach is not merely a business strategy; it is a matter of national security. He emphasizes that every component - from the camera to the power distribution board - should ideally be manufactured within the country. This not only enhances safety but also fosters a sense of autonomy and resilience.Innovations and ApplicationsDroneUA's drones are distinguished by their versatility and advanced technological features. Historically focused on agricultural applications, the use of drones in Ukraine has expanded to include critical safety and security functions. The shift towards utilizing drones for law enforcement and industrial applications highlights the adaptability of Ukrainian technology to meet emerging needs in various sectors.The drones showcased at CES are not mere consumer gadgets; they are robust, specialized tools designed for commercial purposes. This includes applications in agriculture, where drones can enhance crop monitoring and management, as well as in security, where they can assist law enforcement agencies in surveillance and emergency response. The emphasis on manufacturing drones with locally produced components underscores a commitment to quality and reliability, making Ukrainian drones attractive to international markets.A Vision for Global PartnershipsKovenko's vision extends beyond showcasing Ukrainian capabilities; he aims to foster partnerships that will enable the manufacturing of drones in the United States. This ambition reflects a broader strategy to localize production and leverage Ukrainian expertise in robotics and drone technology. By collaborating with American companies, Ukraine can contribute to the development of advanced drone systems tailored to meet the specific needs of the U.S. market.The potential for collaboration is significant. As the U.S. grapples with its own supply chain challenges, the experience of Ukrainian manufacturers in establishing a localized production model offers valuable insights. The possibility of integrating Ukrainian technology with American manufacturing capabilities could lead to the creation of cutting-edge drone solutions that address a variety of commercial and security challenges.ConclusionThe emergence of Ukrainian drones as a key player in the global market signifies a paradigm shift in the way drones are manufactured and utilized. With a focus on local production, innovative applications, and strategic partnerships, Ukraine is poised to revolutionize the drone industry on a global scale. As the world increasingly recognizes the importance of advanced drone technology in sectors ranging from agriculture to law enforcement, Ukrainian companies like DroneUA are at the forefront of this transformation. By leveraging their expertise and manufacturing capabilities, Ukraine is not just contributing to the drone market; it is reshaping it for the future.Interview by Scott Ertz of F5 Live: Refreshing Technology.Sponsored by: Get $5 to protect your credit card information online with Privacy. Amazon Prime gives you more than just free shipping. Get free music, TV shows, movies, videogames and more. The most flexible tools for podcasting. Get a 30 day free trial of storage and statistics.

Let's go to the PhD weight loss talk line. We'll talk to Scott in Lexington, Georgia. And in case you're wondering, Lexington is just Southeast of Athens. And, Scott, I'm hoping you are a dog fan. Are you? Someday. Someday. I know the feeling. Right? I know the feeling. Yes, sir. What's on your mind? Yeah. I'm just wondering why we have to spend any money to get them out of here when all president has to do is just suspend habeas corpus. They just deputize all the law enforcement in every state as I say. Just just remove him here. I don't understand why he doesn't suspend habeas corpus. I I'm waiting for him to do it. He just won't do it. I think that because when you do that, that's kind of the the nuclear option, isn't it? Well, we need the nuclear option. I know. I know. I know. I don't know I don't know what he's waiting on, but hopefully, it will. Yeah. I mean, he's got four years in office, and he's got he needs he needs to bear that. He needs to have a final showdown with these Democrats. He needs to come. Just Yeah. Just dragging it out like the last time. He's gonna have to he's gonna have to it's gonna have to be a showdown here very soon. I think so too. We'll see what happens, Scott. But see what do you see the big problem is? Because I mean, I I know I love Trump. I know most of you guys love Trump, think the world of him, and you would love for Trump to go over there and just run rough shot over everything. But we've got some midterms coming up. So while president Trump is trying to do the job that he has said he was gonna do, he's also while he's really good at playing offense, he's also gotta play a little bit of defense here as well. If the Democrats get in in the midterms, if they gain in the house, if they gain in the senate or take over one or both of those houses, they're gonna show the Republicans once again just how much power they hold. You see, the problem with the Republicans, and we're talking about nationally, locally, statewide, is they do not use the power that they have. Remember during the the the last term of Obama of, of Biden? Where all these congressmen that are out there and you're getting all the mailers in the mail and you were getting all the advertisement on it. We're gonna use the power of the purse. We're gonna use the power of the purse, and we're gonna blah blah blah blah. And they did they never did it. They never did it. In fact, I moderated a debate in Saluda for the Third Congressional District. I think we had five candidates. There were six candidates. One didn't make it. We had five candidates at that debate. Beautiful little town of Florida. One we had a great time. And I asked them. I said, would you be willing to use the power of the purse in order to stop some of Joe Biden's legislation? Some of this radical Democrat legislation. Only one Only one. So I I when I said, and would you be willing to use the power of the purse up to and including shutting down the government? Only one person said yes, and that was Mark Burns. I was the only candidate on that stage that said, you know what? Yeah. I would be willing to shut down the government to stop Joe Biden's bad legislation. That was it. That was the only one. You see, Republicans in in mass are terrified of the Democrats. It doesn't matter. I mean, right now, we got the house. We got the senate. We got the White House. Depends on what day it is. We got the Supreme Court, but they're afraid to use the power. They're scared to death, and I don't get it. If these Democrats are allowed to take over during the midterms, how and and, historically, that's what happens. Historically, the party that is in the White House in the midterms loses seats in Congress. We've got to break history. And you know what that means you gotta do? You gotta get out and vote. You gotta find a campaign, and you gotta fall in love with it. And you've gotta make sure that we support these people who are supporting president Trump. Go ...

Let's go to the PhD weight loss talk line. We'll talk to Scott in Lexington, Georgia. And in case you're wondering, Lexington is just Southeast of Athens. And, Scott, I'm hoping you are a dog fan. Are you? Someday. Someday. I know the feeling. Right? I know the feeling. Yes, sir. What's on your mind? Yeah. I'm just wondering why we have to spend any money to get them out of here when all he has president has to do is just suspend habeas corpus. They just deputize all the law enforcement in every state as I say. Just just remove him here. I don't understand why he doesn't suspend habeas corpus. I I'm waiting for him to do it. He just won't do it. I think that because when you do that, that's kind of the the nuclear option, isn't it? Well, we need the nuclear option. I know. I know. I know. I don't know I don't know what he's waiting on, but hopefully, it will. Yeah. I mean, he's got four years in office, and he's got he needs he needs to bear that. He needs to have a final showdown with these Democrats. He needs to come. Just Yeah. Just dragging it out like the last time. He's gonna have to he's gonna have to it's gonna have to be a showdown here very soon. I think so too. We'll see what happens, Scott. But see what do you see the big problem is? Because, I mean, I I know I love Trump. I know most of you guys love Trump, think the world of him, and you would love for Trump to go over there and just run rough shot over everything. But we've got some midterms coming up. So while president Trump is trying to do the job that he has said he was gonna do, he's also while he's really good at playing offense, he's also gotta play a little bit of defense here as well. If the Democrats get in in the midterms, if they gain in the house, if they gain in the senate or take over one or both of those houses, they're gonna show the Republicans once again just how much power they hold. You see, the problem with the Republicans, and we're talking about nationally, locally, statewide, is they do not use the power that they have. Remember during the the the last term of Obama of, of Biden, where all these congressmen that are out there and you're getting all the mailers in the mail and you were getting all the advertisement on it. We're gonna use the power of the purse. We're gonna use the power of the purse, and we're gonna blah blah blah blah. And they did they never did it. They never did it. In fact, I moderated a debate in Saluda for the Third Congressional District. I think we had five candidates. There were six candidates. One didn't make it. We had five candidates at that debate. Beautiful little town of Florida. One we had a great time. And I asked them. I said, would you be willing to use the power of the purse in order to stop some of Joe Biden's legislation, some of this radical Democrat legislation? Only one Only one. So I I when I said, and would you be willing to use the power of the purse up to and including shutting down the government? Only one person said yes, and that was Mark Burns. I was the only candidate on that stage that said, you know what? Yeah. I would be willing to shut down the government to stop Joe Biden's bad legislation. That was it. That was the only one. You see, Republicans in in mass are terrified of the Democrats. It doesn't matter. I mean, right now, we got the house. We got the senate. We got the White House. Depends on what day it is. We got the Supreme Court, but they're afraid to use the power. They're scared to death, and I don't get it. If these Democrats are allowed to take over during the midterms, how and and, historically, that's what happens. Historically, the party that is in the White House in the midterms loses seats in Congress. We've got to break history. And you know what that means you gotta do? You gotta get out and vote. You gotta find a campaign, and you gotta fall in love with it. And you've gotta make sure that we support these people who are supporting president Tr ...

Investors were caught off guard last week when the Taiwanese dollar surged to a multi-year high. Our strategists Michael Zezas and James Lord look at what was behind this unexpected rally.Read more insights from Morgan Stanley.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Morgan Stanley's Global Head of Fixed Income Research and Public Policy Strategy.James Lord: And I'm James Lord Morgan Stanley's, Global Head of FX and EM Strategy.Michael Zezas: Today, we'll focus on some extreme moves in the currency markets and give you a sense of what's driving them, and why investors should pay close attention.It's Thursday, May 8th at 10am in New York.James Lord: And 3pm in London.Michael Zezas: So, James, coming into the year, the consensus was that the U.S. dollar might strengthen quite a bit because the U.S. was going to institute tariffs amongst other things. That's actually not what's happened. So, can you explain why the dollar's been weakening and why you expect this trend to continue?James Lord: I think a big factor for the weakening in the dollar, at least in the initial part of the year before the April tariff announcements came through, was a concern that the U.S. economy was going to be slowing down this year. I mean, this was against some of the consensus expectations at the beginning of the year.In our year ahead outlook, we made this call that the dollar would be weakening because of the potential weakness in the U.S. economy, driven by slow down in immigration, limited action on fiscal policy. And whatever tariffs did come through would be kind of damaging for the U.S. economy.And this would all sort of lead to a big slowdown and a kind of end to the U.S. exceptionalism trade that people now talk about all the time. And I think since April 1st or April 2nd tariff announcements came, the tariffs were so large that it raised real concerns about the damage that was potentially going to happen to the U.S. economy.The sort of methodology in which the tariff formulas were created raised a bit of concern about the credibility of the announcements. And then we had this constant on again, off again, on again, off again tariffs. That just created a lot of uncertainty. And in the context of a 15-year bull market of the dollar where it had sucked enormous amounts of capital inflows into the U.S. economy. You know, investors just felt that maybe it was worth taking a few chips off the table and unwinding a little bit of that dollar risk. And we've seen that play out quite notably over the last month. So, I think it's been, yeah, really that those concerns about growth but also this sort of uncertainty about policy in general in the context of, you know, a big bull run for the dollar; and fairly heavy valuations and positioning. Those have been the main issues, I think.Michael Zezas: Right, so we've got here this dynamic where there are economic fundamental reasons the dollar could keep weakening. But also concerns from investors overseas, whether they're ultimately founded or not, that they just might have less demand for owning U.S. dollar denominated assets because of the U.S. trade dynamic. Now it seems to me, and correct me if I'm wrong, that there was a major market move in the past week around the Taiwanese dollar, which reflected these concerns and created an unusually large move in that currency. Can you explain that dynamic?James Lord:  Yeah, so we've seen really significant moves in the Taiwan dollar. In fact, on May 2nd, the currency saw its largest one-day rally since the 1980s, and over two days gained over 6.5 percent, which for a Taiwan dollar, which is pretty low volatility currency usually, these are really big moves. So in our view, the rally in the Taiwan dollar, and it was remarkably big. We think it's been mostly driven by Taiwanese exporters selling some of their dollar assets with a little bit of foreign equity inflow helping as well. And this is linked back to the sort of trade negotiations as well.I mean, as you know, like one of the things that the U.S. administration has been focused on currency valuations. Historically, many people in the U.S. administration believe the dollar is very strong. And so there has been this sort of issue of currency valuations hanging over the trade negotiations between the U.S. and various Asian countries. And local media in Taiwan have been talking about the possibility that as part of a trade negotiation or trade deal, there could be a currency aspect to that – where the U.S. government would ask the Taiwanese authorities to try to push Taiwan dollar stronger.And you know, I think this sort of media reporting created a little bit of a -- well, not just a little, a significant shift from Taiwanese exporters where they suddenly rush to sell their dollar deposits in to get ahead of any possible effort from the Taiwanese authorities to strengthen their currency. The central bank is being very clear on this.We should have to point this out that the currency has not been part of the trade deal. And yet this hasn't prevented market participants from acting on the perceived risk of it being part of the trade talks. So, you know, Taiwanese exporters own a lot of dollars. Corporates and individuals in Taiwan hold about $275 billion worth of FX deposits and for an $800 billion or so economy, that's pretty sizable. So we think that is that dynamic, which has been the biggest factor in pushing Taiwan dollar stronger.Michael Zezas: Right, so the Taiwan dollar is this interesting case study then in how U.S. public policy choices might be creating the perception of changes in demand for the dollar changes in policy around how foreign governments are supposed to value their currency and investors might be getting ahead of that.Are there any other parts of the world where you're looking at foreign exchange globally, where you see things mispriced in a way relative to some of these expectations that investors need to talk about?James Lord: We do think that the dollar has further to go. I mean, it's on the downside. It's not necessarily linked to expectations that currency agreements will be part of any trade agreement. But, we think the Fed will need to cut rates quite a bit on the back of the slow down in the U.S. economy. Not so much this year. But Mike Gapen and Seth Carpenter, and the U.S. economics team are expecting to see the Fed cut to around 2.5 per cent or so next year. And that's absolutely not priced. And, And so I think as this slowdown – and, this is more of a sort of traditional currency driver compared to some of these other policy issues that we've been talking about. But if the Fed does indeed cut that far, I do think that that's going to put some meaningful pressure on the dollar. And on a sort of interest rate differential perspective, and when we look at what is mispriced and correctly priced, we see the Fed as being mispriced, but the ECB is being quite well priced at the moment.So as that weakening downward pressure comes through on the dollar, it should be reflected on the euro leg. And we see it heading up to 1.2. But just on the trade issue, Mike, what's your view on how those trade negotiations are going? Are we going to get lots of deals being announced soon?Michael Zezas: Yeah, so the news flow here suggests that the U.S. is engaged in multiple negotiations across the globe and are looking to establish agreements relatively quickly, which would at least give us some information about what happens next with regard to the tariffs that are scheduled to increase after that 90 day pause that was announced in earlier in April. We don't know much beyond that.I'd say our expectation is that because the U.S. has enough in common in terms of interests and how it manages its own economy and how most of its trading partners manage their own economies – that there are trade agreements, at least in concept. Perhaps memorandums of understanding that the U.S. can establish with more traditional allies, call it Japan, Europe, for example, that can ultimately put another pause on tariff escalation with those countries.We think it'll be harder with China where there are more fundamental disagreements about how the two countries should interact with each other economically. And while tariffs could come down from these very, very high levels with China, we still see them kind of settling out at still meaningful substantial headline numbers; call it the 50 to 60 per cent range. And while that might enable more trade than we're seeing right now with China because of these 145 per cent tariff levels, it'll still be substantially less than where we started the year where tariff levels were, you know, sub 20 per cent for the most part with China.So, there is a variety of different things happening. I would expect the general dynamic to be – we are going to see more agreements with more counterparties. However, those will mostly result in more pauses and ongoing negotiation, and so the uncertainty will not be completely eliminated. And so, to that point, James, I think I hear you saying that there is potentially a difference between sometimes currencies move based on general policy uncertainty and anxieties created around that.James Lord: Yeah, that's right. I think that's safer ground, I think for us as currency strategists to be anchoring our view to because it's something that we deal with day in, day out for all economies. The impact of this uncertainty variable. It could be like, I think directionally supports a weaker dollar, but sort of quantifying it, understanding like how much of that is in the price; could it get worse, could it get better? That's something that's a little bit more difficult to sort of anchor the view to. So, at the moment we feel that it's pushing in the same direction as the core view. But the core view, as you say, is based around those growth and monetary policy drivers.So, best practice here is let's keep continuing to anchor to the fundamentals in our investment view, but sort of recognize that there are substantial bands of uncertainty that are driven by U.S. policy choices and by investors' perceptions of what those policy choices could mean.Michael Zezas: So, James conversations like this are extremely helpful to our audience. We'll keep tracking this carefully. And so, I just want to say thank you for taking the time to talk with us today.James Lord: I really enjoyed it. Looking forward to the next one.Michael Zezas: Great. And thank you for listening. If you enjoy the podcast, please leave us a review wherever you listen to the podcast and share Thoughts on the Market with a friend or colleague today.

Bump and Stacy look back on the most exciting moments from the Mariners ninth straight series win against the Athletics, they give you their thoughts on the Seahawks possible reunion with Shaquill Griffin and the NBA Playoffs in Headline Rewrites, they break down how claiming Leody Taveras could hurt the Mariners ability to add at the trade deadline, and they hear why one of the biggest voices in sports is liking the Seahawks in 2025. 

In this episode of Zen and the Art of Real Estate Investing, Jonathan sits down with Paul Moore, Founder and Managing Partner of Wellings Capital, a private equity firm specializing in recession-resistant real estate investments. With a rich background in entrepreneurship and investing, Paul shares his evolution from speculative investor to a disciplined advocate of Warren Buffett's principles, emphasizing the power of saying “no” and prioritizing long-term, stable investments. The conversation explores the importance of rigorous due diligence, operator selection, and maintaining a conservative investment strategy. Paul explains how Wellings Capital evaluates hundreds of deals to handpick only the most viable ones, ensuring a high margin of safety for investors. He also dives into undervalued asset classes such as self-storage and mobile home parks, highlighting their growing demand and often misunderstood reputation. You'll gain insight into the mechanics of private equity investing, including how Wellings structures its diversified funds, the role of trust and relationship-building with operators, and the social impact of responsible investing. Paul also shares his firm's commitment to combating human trafficking through philanthropic efforts. This episode is a must-listen for high-earning professionals looking to deploy capital wisely and anyone seeking a mindful, value-driven approach to real estate. In this episode, you will hear: The best investors say “no” to most deals The importance of discipline Mobile home parks and self-storage offer stable, recession-resistant returns Due diligence should be multi-layered and uncompromising Investing with integrity can align with creating social impact Diversified private equity funds offer reduced risk and access to top-tier operators Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Supporting Resources: Wellings Capital website - www.wellingscapital.com Wellings Capital on Facebook - www.facebook.com/wellingscapital Paul Moore's Instagram - www.instagram.com/paulmooreinvest Connect with Paul Moore on LinkedIn - www.linkedin.com/in/paul-moore-3255924 Paul Moore on X - x.com/paulmooreinvest Wellings Capital on LinkedIn - www.linkedin.com/company/wellings-capital-llc Website - www.streamlined.properties YouTube - www.youtube.com/c/JonathanGreeneRE/videos Instagram - www.instagram.com/trustgreene Instagram - www.instagram.com/streamlinedproperties TikTok - www.tiktok.com/@trustgreene Zillow - www.zillow.com/profile/StreamlinedReal Bigger Pockets - www.biggerpockets.com/users/TrustGreene Facebook - www.facebook.com/streamlinedproperties Email - info@streamlined.properties Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

Russia's Victory Day public holiday, celebrated on May 9, has undergone a major transformation in Putin's Russia. Historically, it was a day of somber commemoration, and its main leitmotif was “Never again.” Under Putin, the holiday has become increasingly militaristic, with the memorial aspect now overshadowed by the far more belligerent slogan “We can do it again.” How did this happen, and what role does Victory Day play in the Putin regime today?

“I hope there's a world where you don't have to come out of the closet because you never have to go in. We get to see each other for humanity and not what makes us different.” Carl Nassib former NFL player In a groundbreaking and deeply personal episode of The Pivot Podcast, Ryan Clark, Fred Taylor, and Channing Crowder sit down with Carl Nassib — former NFL defensive end, entrepreneur, and trailblazer — for an unfiltered conversation about football, identity, and forging your own path. Carl, who was the first active NFL player to come out as gay in 2021, may be tied to that moment forever but his purpose and legacy on and off the field goes far beyond all of that. From his early days at Penn State to making NFL history with the Las Vegas Raiders, the guys go through his football journey and explore the courage, challenges, and cultural impact of Nassib's voice in society and sports. Carl opens up about the moment that changed his life and the NFL forever: becoming the first active player to come out as gay. He discusses the weight of that decision, the support he received, and the backlash he had to navigate. The conversation takes us through Carl's mindset through his playing days with the Browns, Raiders, and Buccaneers, the highs and lows of being a professional athlete, and how his personal journey intersected with his career. But this episode goes beyond headlines. Carl shares insight into his post-football ventures, including his work with The Trevor Project and his foray into the world of finance and entrepreneurship. With honesty and humor, he talks about what it means to live authentically, redefine masculinity, and make space for others to do the same. He talks on how he misses the brotherhood of the NFL locker room, the bond with his coaches and teammates, his historical game vs Lamar Jackson and how his jersey will be a part of history at the Smithsonian museum. Carl's story has reshaped the conversation around LGBTQ+ representation in professional sports as well as opened the minds of others who for so long couldn't grasp the idea while inspiring a new generation of athletes to live authentically. Tap in for a powerful and thought-provoking discussion that challenges assumptions, celebrates courage, and highlights the strength it takes to pivot — both on and off the field. Full episode streaming now on YouTube and don't forget to hit the subscribe button and comment your thoughts below! Learn more about your ad choices. Visit megaphone.fm/adchoices

Tony Reali and the national panel discuss Nuggets vs. Thunder, Knicks vs. Celtics, and Panthers vs. Leafs. Learn more about your ad choices. Visit podcastchoices.com/adchoices

AABP Executive Director Dr. Fred Gingrich is joined by Dr. Chris Chase, Emeritus Professor in the Department of Veterinary and Biomedical Sciences and Dr. Curt Vlietstra, Senior Professional Services Veterinarian with Boehringer Ingelheim. This episode is sponsored by Boehringer Ingelheim, manufacturer of the Pyramid line of cattle vaccines. Find more information about Pyramid/Presponse vaccines by visiting this page.  Adjuvants are a critical component of vaccines, but they can be an overlooked factor when putting together a vaccine program. The three roles of adjuvants serve in vaccines are creating a danger signal for the host, help the immune system recognize the antigen and to protect the antigen.  Historically, there has been some skepticism around vaccinating young calves early due to the presence of maternal antibodies. Our guests discuss what role vaccines serve in a calf program while recognizing the importance of colostral immunity and the purpose it serves. Adjuvants can serve an important role in young calves to help with a vaccine-induced immune response. Our guests discuss the METASTIM adjuvant, how it differs from other adjuvants, and the role it plays in boosting immunity even in the face of maternal antibodies.  Veterinarians play a critical role in developing vaccine programs for their clients' herds. This not only includes ensuring that the appropriate vaccines are selected for the herd, but also making sure that nutrition, specifically vitamin and mineral nutrition, is appropriate, stress is minimized, and vaccine storage and administration is correct. We close the podcast by discussing the future of vaccine and adjuvant technologies that veterinarians should be aware of and how these potential uses can improve cattle health. Veterinarians can go to https://bi-animalhealth.com/cattle/ or talk to their Boehringer Professional Services Veterinarian for more information.

ABC is really feeling the pressure now… Plus, a Judge just ruled that ICE must present a warrant when arresting suspected criminals that are in the country illegally. What’s up with that? Historically, ICE has not needed a warrant because if they feared a suspected illegal criminal might flee. And, as President Donald Trump works to lower health care costs, big pharma is getting in the way. SUBSCRIBE TO MY CHANNEL: https://Youtube.com/TrishReganChannel Become a TEAM MEMBER to get special access and perks: ▶️ https://www.youtube.com/channel/UCBlMo25WDUKJNQ7G8sAk4Zw/join

This is the final installment of my talk with Samuel Marquis, author of numerous books of history and historical fiction, including his newest, "Captain Kidd: A True Story of Treasure and Betrayal," a non-fiction look at one of the most notorious “pirates” ever, who also happens to be Samuel's 9th great grandfather. We talked about: - A peek at his next book, about New York City in the 17th century- Looking to historical figures as role models–and why his is Abraham Lincoln- Why he wishes he could clone himself a la Michael Keaton in “Multiplicity”- Why he's done writing about World War II- The historical time period he wants to devote his next five books to- Balancing the drive for historical accuracy with a book that reads–and sells–well- The series he stayed up late to finish (surprise! It's historical)- His really tantalizing sounding ideal meal Connect with Samuel at samuelmarquisbooks.com. For full show notes with links to everything we discuss, plus bonus photos!, visit katehanley.substack.com. Thank you for listening! And thanks to this week's sponsor, Air Doctor Pro. Visit airdoctorpro.com and use code KATE to save 30% off an amazing indoor air filter *and* receive a free three-year warranty (an $84 value). Learn more about your ad choices. Visit megaphone.fm/adchoices

Some claim a woman secretly reigned as pope—but is there any truth to the legend of Pope Joan? We explore the origins and historical credibility of the story, plus discuss Orthodox biblical canons, Christ's fulfillment of prophecy, and the Church's understanding of Islam. Join The CA Live Club Newsletter: Click Here Invite our apologists to speak at your parish! Visit Catholicanswersspeakers.com Questions Covered: 12:13 – Is the fact that the Orthodox have a variety of biblical canons, an argument against them? 16:46 – I'm a convert. Is the story of Pope Joan true? 20:03 – How can I make a defense for supposed contradictions in the ecumenical councils? 29:41 – How did Christ fulfill the prophecy of world peace? 34:35 – What was the aftermath of the Jews after the resurrection? 40:16 – Has anyone compiled a list of the early Church writings that were recently discovered that were not available during the reformation? 44:31 – Why did Jesus not tell the Pharisees that he was born in Bethlehem when they said he was born in Nazareth? 46:21 – I agree with the premise of your video on Muslims. What would one believe about their God in order for it to be a different god? 52:02 – How much information did the Church actually have on Islam before making an official statement?

This week on the Hemp Podcast we're looking at the 2025 Hemp Report from the USDA. The annual report attempts to provide a snapshot of the hemp industry, which, according to the report, is valued at $445 million — up 40% from last year. That sounds amazing, but what the numbers actually show is two completely different stories about two completely different industries: industrial hemp, i.e., fiber and grain, and floral hemp, i.e., cannabinoids, medicinal and recreational products and smokable hemp flower. As usual, the floral side of things takes up a lot of the conversation. After all, 85% of the $445 million industry was on the floral side, and people like to see that kind of growth. But numbers on the fiber and grain side tell a much more interesting and complicated tale. So we're digging into the numbers, while also contemplating the existential question: Are you really a hemp farmer? Host Eric Hurlock offers the hot take that maybe if you're in this for cannabinoid extraction — regardless of the THC content — you are not a hemp farmer. You are a cannabis grower. Historically, the word “hemp” has meant the crop you grow for industrial purposes. However, the 2018 Farm Bill opened up a legal loophole that has had major consequences for the meaning of the word “hemp,” which has led to confusion in the industry — especially among lawmakers and regulators who continue to think hemp is essentially just low-key weed. It's time to reclaim the word hemp for the real hemp industry: fiber and grain. Let's call floral hemp what is is: low-THC cannabis. Questions or comments? Leave Eric Hurlock a message: 717-721-4462 Read the report yourself: https://data.nass.usda.gov/Statistics_by_State/Idaho/Publications/Census_Press_Releases/2025/HEMP.pdf Thanks to our sponsors IND HEMP Forever Green, distributors of the KP4 Hemp Cutter Americhanvre National Hemp Association  

This week's EYE ON NPI is looking at itsy-bitsy-teensy-weensy little rechargeable batteries that can keep your micro-power electronics running for many years without needing any maintenance from your users: it's Panasonic's VL/ML Series Lithium Rechargeable Coin Batteries (https://www.digikey.com/en/product-highlight/p/panasonic/lithium-rechargeable-coin-batteries). These are small, solderable batteries much like the coin cell batteries you're used to replacing in watches, toys, and other gadgets..but this time they can be recharged in-circuit to make maintenance effortless. We've covered lots of batteries and battery holders on EYE ON NPI - from enormous lead acid batteries to tiny coin cells (https://www.digikey.com/en/products/filter/batteries-non-rechargeable-primary/). These are an essential part of the engineer's repertoire as so many products need to work when not plugged into the wall. We use coin cells a lot in our design work: there's nothing as compact and they have great energy density. But they're typically 'primary cells' - not rechargeable. That might be fine if you're using them for something like a remote control (https://support.apple.com/en-us/101261) or a small toy. But they do eventually need to be replaced, which can be a user frustration. For that reason, many products that used to have primary cells like AA's or coin batteries have slowly transitioned to embedding lithium polymer pouches. You can get rechargeable lipoly batteries in 100 mAh or less! (https://www.digikey.com/short/7njnd057) However, there may be some cases where you still want something really really tiny, like say 9mm diameter and under 1mm thick - a size only achievable with a coin cell - but without dealing with removing and replacing a battery every few weeks or months. Especially if we're talking about something that is going to be plugged in once in a while, or where the coin cell is a fall-back. This comes up often with devices that have real time clocks (RTCs) - such as clocks, computers, laptops, tablets, watches, GPS units (https://www.adafruit.com/product/5440), etc. They might have a main battery or power system that can run a microcontroller/CPU and display plus peripherals, but you still want to keep time and maybe an alarm setting when the main power cuts off. Historically, folks have just used coin batteries - ideally replaceable ones - but sometimes not as in the case of the DS1287 (https://theretroweb.com/chip/documentation/ds1287-647b3602989d3299594321.pdf) which had the coin battery sealed inside! If you're designing a product today that needs an RTC battery, we'd say take a good look at the Panasonic's VL/ML Series Lithium Rechargeable Coin Batteries (https://www.digikey.com/en/product-highlight/p/panasonic/lithium-rechargeable-coin-batteries). No holder required: they come with tabs to solder directly onto a PCB in vertical or horizontal orientations. And they come in a variety of sizes from the 20mm / 45mAh to 12mm / 7mAh and even smaller. Note that as expected, you're going to get less capacity than a primary cell, so these are good when you think you'll get recharged every few days or weeks. Don't forget: you will absolutely need a proper lithium charger to recharge these batteries. We've got plenty of charger breakouts you can use, we particularly like the bq25185 (https://www.digikey.com/en/products/detail/adafruit-industries-llc/6091/25805553) which you can easily configure for the 1C current charge rate to match your Panasonic Lithium Rechargeable Coin Batteries (https://www.digikey.com/en/product-highlight/p/panasonic/lithium-rechargeable-coin-batteries) They can all handle 1000+ cycles, we like the bq in particular because it has power-path which will help avoid unnecessary discharging/cycling. Ready for a tiny burst of power to keep your clocks a-tickin'? You can pick up a wide selection of Panasonic's VL/ML Series Lithium Rechargeable Coin Batteries (https://www.digikey.com/en/product-highlight/p/panasonic/lithium-rechargeable-coin-batteries) at DigiKey right now! They're in stock in a range of sizes and configurations for immediate shipment - don't forget that like all Lithium batteries you may need to ship ground, so order now and you'll get those bite-sized batteries shipped within the hour for immediate integration. See it on DigiKey https://www.digikey.com/short/wb83dfff

this special episode of Cloud Wars Live, Bob Evans chats with Gerrit Kazmaier, president, products and technology, Workday. They explore how Workday is evolving into a platform company, the role of AI agents in reshaping enterprise workflows, and why trust, accuracy, and extensibility are key to future-ready business solutions. Kazmaier also discusses Workday's approach to ecosystem innovation and composable ERP.Workday's AI FutureThe Big Themes:Real-World Business Value From AI-Driven Results: Workday's AI capabilities are already producing concrete results. Kazmaier shares examples like a recruiting agent that increased recruiter capacity by over 50% and contract intelligence tools that slashed legal costs by up to 60%. These aren't experimental features—they're embedded in Workday's workflows to improve productivity and efficiency.Agents Will Enhance, Not Replace Applications: Kazmeier addresses the myth that AI agents will replace applications. Instead, Workday sees agents as accelerators of existing apps. Many enterprise applications were designed around human cognitive limits, but now AI agents can take over some of those mental loads. Over time, agents will become so proficient they'll perform roles autonomously. But they won't erase apps,they'll enhance them.Composable ERP Is Now a Reality: Workday is making good on the long-promised vision of composable ERP: modular, customizable systems that allow organizations to choose the best tools for each job. Historically, integration challenges made composability difficult. Now, AI simplifies that complexity. Intelligent interfaces and smarter integration allow Workday's ecosystem to plug into its core platform more fluidly.The Big Quote: “This is like early Internet days . . . some people had innovative ideas. But economics weren't just there. Bandwidth was limited and expensive; not everyone had an Ilenternet-ready device...but as exponential improvements happened . . . an entirely new economy was invented, and I think it's the same with AI."

Welcoming back Danielle today for a conversation about fairy tales as living, breathing repositories of ancient wisdom and magick. In The Night House: Folklore, Fairy Tales, Rites, and Magick for the Wise and Wild, bestselling author and word-witch Danielle Dulsky peels back the layers of these timeless narratives to reveal their potent role as guides for navigating today's world. Rich with insight and a deep reverence for the ancestral art of storytelling, Dulsky's latest work reclaims the hidden power of fairy tales as spell books, treasure chests, and sacred rites.Historically kept and transmitted by women, fairy tales are distinguishable from other types of folk tales for their magickal and supernatural elements, and because of this, they were often dismissed as trivial domestic fantasies for women and children. The Night House illuminates how this marginalization kept these stories safe from the witch-hunter's noose and allowed women to safely store and transmit their ancient and sacred wisdom. Each of The Night House's nine chapters is a door to an otherworldly realm, unveiling the spiritual and practical magick embedded in tales like “Little Red Riding Hood “and “Cinderella.” By decoding their “glamour spells” and ancestral rites, Dulksy offers a path for readers to reconnect with the Earth, their ancestors, and their own spirits. Mythic images and Jungian universal archetypes arise, and “old ways” are made visible, revealing the call to continue the medicinal work of story keeping for the modern world. Find Danielle: The Night House: https://amzn.to/3R7NuP3Instagram: https://www.instagram.com/wolfwomanwitchWebsite: DanielleDulsky.ComDanielle Dulsky is the author of The Night House and numerous other titles including Woman Most Wild, The Holy Wild Grimoire, and Bones & Honey. A heathen visionary, painter, poet, storyteller, and word-witch, she teaches internationally and has facilitated circles, embodiment trainings, communal spell work, and seasonal rituals since 2007. She is the founder of The Hag School and believes in the emerging power of wild collectives and sudden circles of curious dreamers, cunning witches, and rebellious artists in healing our ailing world.

Contributor: Aaron Lessen, MD Educational Pearls: What is a Rescue Inhaler? A rescue inhaler is a medication for people with asthma to quickly reverse the symptoms of an asthma attack. Historically albuterol (Short Acting Beta Agonist (SABA)) monotherapy has been the mainstay rescue inhaler. This is because albuterol works fast and is relatively cheap. What are Combination Rescue Inhalers? Combination rescue inhalers contain a fast-acting bronchodilator as well as an inhaled corticosteroid (ICS) The steroid helps to reduce some of the chronic airway inflammation that is worsening the asthma attack and can help to prevent future attacks Examples include budesonide-formoterol and albuterol-budesonide Global Initiative for Asthma (GINA), states that combination therapy is now the preferred reliever for adults and adolescents with mild asthma What are the drawbacks of Combination Rescue Inhalers? These inhalers are generally more expensive than just using a SABA inhaler which can be a barrier for some people Improper use can also lead to conditions like thrush due to the addition of the steroid References Krings JG, Beasley R. The Role of ICS-Containing Rescue Therapy Versus SABA Alone in Asthma Management Today. J Allergy Clin Immunol Pract. 2024 Apr;12(4):870-879. doi: 10.1016/j.jaip.2024.01.011. Epub 2024 Jan 17. PMID: 38237858; PMCID: PMC10999356. Papi A, Chipps BE, Beasley R, Panettieri RA Jr, Israel E, Cooper M, Dunsire L, Jeynes-Ellis A, Johnsson E, Rees R, Cappelletti C, Albers FC. Albuterol-Budesonide Fixed-Dose Combination Rescue Inhaler for Asthma. N Engl J Med. 2022 Jun 2;386(22):2071-2083. doi: 10.1056/NEJMoa2203163. Epub 2022 May 15. PMID: 35569035. Summarized by Jeffrey Olson, MS3 | Edited by Jorge Chalit, OMS3 Donate: https://emergencymedicalminute.org/donate/  

In the ever-changing world of real estate investing, asset classes rise and fall with shifting markets. Yet, according to real estate veteran Kevin Bupp, one asset continuously proves its value, resilience, and scalability: mobile home parks. On a recent episode of the Raising Private Money podcast with Jay Conner, The Private Money Authority, Kevin Bupp shared his extensive experience, including raising over $250 million in private capital, and revealed what makes mobile home parks a standout investment opportunity.The Unexpected Journey to Mobile Home ParksKevin Bupp's real estate journey began at age 19. Like many, he poured his energy into single-family rentals, building an impressive portfolio of 22 properties by his mid-20s. He tasted success but also felt the sting of the 2008 market crash, when he lost nearly everything.Reflecting on that pivotal period, Kevin noted how inefficiencies in managing scattered single-family rentals, compounded by the inefficiency of technology at the time, exposed his business to excessive risk. The crash forced him to reevaluate, rebuild smarter, and ultimately, seek out asset classes offering not just cash flow and efficiency, but also resilience. This search led Kevin to mobile home parks.Why Mobile Home Parks Offer Superior Investment Benefits Recession ResistanceOne of the central appeals of mobile home parks is their stability during economic downturns. Historically, demand for affordable housing rises when the economy struggles. Mobile home parks cater directly to this need, providing low-cost living options that are in constant demand, regardless of market cycles.As Kevin explained, even during periods when single-family home rents fell, mobile home parks remained relatively stable. Residents of these communities rarely leave; replacing or moving a mobile home is expensive, creating natural “stickiness” and consistent occupancy for park owners. Operational Efficiency & ScalabilityUnlike single-family rentals spread across a wide geographic area, each with its operational quirks, a well-managed mobile home park can comprise dozens or even hundreds of income-producing units on one property. Kevin cited his company's experience, scaling from a 34-lot park to properties holding over 700 sites, allowing rapid expansion without proportional increases in overhead.Operationally, many residents in mobile home parks own their homes and simply rent the lots, reducing maintenance costs and management headaches for the investor. This model allows investors to focus on the land and common infrastructure, not individual unit repairs. Barriers to Entry and Limited CompetitionMunicipalities often resist the development of new mobile home parks due to lingering social stigma and zoning challenges. This makes existing parks more valuable over time, insulating owners from the risk of market oversupply. As Kevin put it, many parks were built decades ago and are still held by the original owners. Buying these properties often means acquiring from “mom and pop” operators, frequently below market value. Attractive Financing and Creative Purchasing OptionsKevin detailed how long-term relationships with owners and a reputation for fair, reliable purchases lead to creative financing opportunities, including owner financing with favorable terms, further improving margins and investor returns.The Role of Private Money and Building Investor RelationshipsA core theme of Kevin's discussion was raising and leveraging private capital to fuel growth. He emphasized the importance of sharing real results transparently, whether in networking groups, social media, or his podcast, as a magnet for investor interest. Kevin's approach is simple: prove success, speak openly about your business, an

The Rockies are on pace for less than 30 wins on the season. Manager Bud Black says this is a biproduct of ‘growing pains' with many of the young players struggling with their first stint in the big leagues. Is there any truth to that or is it just a gross exaggeration? Christian Saez, Spencer Smith, and Henry Chisholm discuss on the DNVR Rockies pod.   Intro 0:00Circle of trust: 7:10How bad are the Rockies?: 14:00Would you bring him back: 22:28Charlie Blackmon's return?: 34:07More likely?: 49:17 Our best Diehard deal! Just $3 A Month https://www.thednvr.com/intro-offer-youtube An ALLCITY Network Production PARTY WITH US: https://thednvr.com/events ALL THINGS DNVR: https://linktr.ee/dnvrsports BALL-KNOWER BONUS/Merch: https://promotion.allcitynetwork.com/promotions/store.allcitynetwork/7d48d294-4260-4bac-aca1-9a18eef8ca78 SUBSCRIBE: https://www.youtube.com/c/DNVR_Sports Raising Cane's Rooftop Fridays: https://thednvr.com/event/friday-rooftop-club-at-coors-field-presented-by-raising-canes/   Monarch Money: Use Monarch Money to get control of your overall finances with 50% off your first year at https://www.monarchmoney.com/dnvr  bet365: Go to https://www.bet365.com/hub/en-us/app-hero-banner-1?utm_source=affiliate&utm_campaign=usapp&utm_medium=affiliate&affiliate=365_03485318 or use code DNVR365 when you sign up. Must be 21+ and physically located in CO.  Please gamble responsibly. If you or someone you know has a gambling problem and wants help call or TEXT 1-800-GAMBLER UCHealth: Learn more about Living Like There's A Tomorrow at https://www.uchealth.org/tomorrow/?utm_source=DNVR&utm_medium=Audio&utm_campaign=Brand_LLTIAT_Null_JFMFY25_AW_Null Visit Your Front Range Toyota Stores at a location near you - Toyota is the official vehicle of DNVR. Toyota - Let's Go Places! Toyota Drive to the Playoffs: https://kse.jotform.com/250624177000950?camefrom=CFC_KSE_xJZqkfEGc0GvJpltfPs0pA&utm_[…]um=xJZqkfEGc0GvJpltfPs0pA&utm_campaign=xJZqkfEGc0GvJpltfPs0pA Get Coors Light delivered straight to your door with Instacart by going to https://coorslight.com/DNVR. Celebrate Responsibly. Coors Brewing Company, Golden, Colorado. Download the Gametime app, create an account, and use code DNVR for $20 off your first purchase. Terms apply. Exclusively for our listeners, Shady Rays is giving out their best deal of the season. Head to https://shadyrays.com and use code: DNVR for 35% off polarized sunglasses. Try for yourself the shades rated 5 stars by over 300,000 people. Check out FOCO merch and collectibles here https://foco.vegb.net/DNVR and use promo code “DNVR10” for 10% off your order on all non Pre Order items. Rugged Road: Gear up for your next adventure with Rugged Road Coolers - Your ultimate outdoor companion! Head to http://ruggedroadoutdoors.pxf.io/ALLCITY and use code DNVR for 10% off! Get 10 FREE meals at https://hellofresh.com/freerockies. Applied across 7 boxes, new subscribers only, varies by plan. When you shop through links in the description, we may earn affiliate commissions. Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing.

Thanks for listening to The Morning Five! Thanks for listening, rating/subscribing The Morning Five on your favorite podcast platform. Learn more about the work of CCPL at www.ccpubliclife.org. Michael's new book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Spirit of Our Politics: Spiritual Formation and the Renovation of Public Life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, is now available! You can order on Amazon, Bookshop.org, Barnes & Noble, or at your favorite local bookstore. Join the conversation and follow us at: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelwear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MichaelRWear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclifeAnd check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tsfnetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by: King Sis #politics #faith #prayer #Immigration #elections #Russia #Ukraine #Crimea #Trump #publicopinion Learn more about your ad choices. Visit megaphone.fm/adchoices

We are witnessing the birth of a new priesthood. They wear cardigans instead of cassocks, quote Brené Brown instead of the Bible, and dispense diagnoses in place of absolution. And for millions of Americans, they've become the final authority on the soul.In just one generation, we've gone from 'God save a wretch like me' to 'my therapist says.' The modern language of self-care and self-love have replaced self-denial and love for God. All the while, rates of depression, anxiety, and suicide have climbed—not fallen. The numbers are staggering. Nearly one in five U.S. adults is in therapy. Over 40 million are diagnosed with anxiety. Even children are being trained to identify as mentally ill.But here's the real crisis: it's not just that our nation is mentally unwell—it's that the church is copying the world's prescriptions. Christians now outsource the care of the soul to secular professionals who deny the soul even exists.Historically, the church called this affliction “melancholy”—a burden of body, yes, but also a trial of the conscience, a grief of the soul. The Puritans didn't dismiss this pain. But they also never called it neutral. They traced it back to disordered loves, guilty consciences, spiritual darkness—and then pointed people to Christ, not a couch.This episode is brought to you by our premier sponsors, Armored Republic and Reece Fund, as well as our Patreon members and donors. You can join our Patreon at patreon.com/rightresponseministries or donate at rightresponseministries.com/donate.Today we're asking a hard question: “What if our therapeutic age is not a solution to our suffering, but a refusal to see it rightly?” What if our feelings are not enemies, but signposts? And what if the Church still holds the cure—not in a padded office, but in Word, sacrament, and the communion of saints?Let's get into it.MINISTRY SPONSORS: Reece Fund. Christian Capital. Boldly Deployed https://www.reecefund.com/ Private Family Banking How to Connect with Private Family Banking: FREE 20-MINUTE COURSE HERE: View Course Send an email inquiry to chuck@privatefamilybanking.com Receive a FREE e-book entitled "How to Build Multi-Generational Wealth Outside of Wall Street and Avoid the Coming Banking Meltdown": protectyourmoneynow.net Set up a FREE Private Family Banking Discovery call: Schedule Here Multi-Generational Wealth Planning Guide Book for only $4.99: Seven Generations Legacy Squirrelly Joes Coffee – Caffeinating The Modern Reformation Get a free bag of coffee (just pay shipping): https://squirrellyjoes.com/rightresponse

Good times... Bad markets! Today we talk about recent volatility in the market, particularly in the bond market, as there is a lot of geopolitical uncertainty that are coming with Trump's economic moves. There may be a market downturn of up to 40% and the Fed will respond most likely respond by cutting rates, a familiar cycle in which political and monetary forces intervene to stabilize markets. Ultimately, if there's a recession, we still don't need to panic, the US markets are still strong so invest accordingly! We discuss... Market volatility recently spiked to levels not seen since COVID, driven by geopolitical and fiscal uncertainty. Trump's unpredictable moves reintroduced risk into the markets, which had become too complacent. The Fed is currently in a wait-and-see mode, which markets interpret as a lack of proactive response. Trump criticized the Fed for not following the ECB in cutting rates, claiming it weakens U.S. competitiveness. The podcast host believes the market can handle high rates and criticized Powell's pre-election rate cut as political. A continued market selloff is expected, with potential drops of 30–40% in the S&P 500 this year. If markets decline significantly, the Fed is likely to step in and cut rates to stabilize things. Historically, market declines have been followed by Fed intervention, which then props markets back up. A mild recession is likely before any recovery, but the overall economy remains fundamentally strong. Tariffs are currently painful for businesses but are viewed as a negotiation tactic rather than a permanent fixture. Markets dislike uncertainty, and the next six months are expected to be rocky before clarity returns. Keeping cash on hand is advised to take advantage of potential lower asset prices Americans are generally uncomfortable with negotiation and volatility compared to the rest of the world. Manufacturing may not fully return to the U.S., but diversification is critical for national security. Time dilation and recency bias cause people to misjudge the permanence of current events like tariffs. Leaders like Trump and Powell are motivated by legacy, not destruction. A stronger dollar could hurt gold and hard assets but elevate the U.S. as the most stable economy. Investors should routinely reassess their holdings to see if they would still buy them today. Always identify the potential exit point for any investment to manage risk.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/good-times-bad-markets-705 

Sacred Harp pioneer and former punk frontman, Tim Eriksen, takes us into the hair-raising sound of shape note singing – an American choral tradition experiencing a resurgence across the US and in Europe. All people and all faiths are welcome. As a new edition of the songbook approaches publication, Tim explores why this music is drawing more singers and how it's managing to remain inclusive despite increasing political polarisation in the wider culture.Sacred Harp is sung a-cappella in four-part harmony - a non-performative music where everyone takes a turn to lead and groups gather anywhere from churches to community centers and pubs. Songs were first published in a book of psalms in Georgia in 1844 and in 2025 a new edition will publish a record number of compositions submitted by sacred harp singers from all over the world. For Tim Eriksen this is devotional music, but it will mean different things to different people - what's special about it is the way it ‘transcends differences.' Sociologist Laura Clawson tells us how the forbearers of the music stipulated that religion, and politics should not come into the ‘hollow square.' Historically the Sacred Harp community has continued to sing and build bonds through chapters of political polarisation in the US. But how have recent political divides affected the community and how can it continue to remain an inclusive space? Producer: Sarah Cuddon A Falling Tree ProductionImage: Tim Eriksen teaching at Sage Gateshead's Summertyne Americana Festival

Dune. Star Wars. Alien. Science fiction movies love alien worlds, and so do we. But how do scientists find planets outside our solar system in real life? One way is by looking for the stars that wiggle. Historically, astronomers have measured those wiggles via the Doppler method, carefully analyzing how the star's light shifts. Thanks to new data from the GAIA telescope, scientists have a much better picture of distant stars' wiggles — and the exoplanets that cause them.Want to hear more about exoplanet discoveries? Send us an email 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