Podcasts about Holy Cross

Send us a textWe trace the life of Saint Brother André from orphaned child to humble doorkeeper whose faith sparked healings and built Saint Joseph's Oratory. Along the way we reflect on humility, prayer, perseverance, and how small acts of fidelity can unlock miracles today.• early hardships in rural Quebec shaping faith• vocation to Holy Cross and hidden service• the porter's lodge as a place of healing• founding and growth of Saint Joseph's Oratory• national reports of cures and conversions• interior life of silence and unceasing prayer• trials, ridicule, and obedience to the Church• beatification and canonization milestones• practical lessons in humility for modern disciples• invitation to pursue sanctification with courageVisit Journeys of Faith and open the door to miracles todayBe sure to click the link in the description for special news itemAnd since there is more to this article, finish reading and check out the special offerVisit Journeysoffaith.com website todayOpen by Steve Bailey Support the showJourneys of Faith brings your Super Saints Podcasts ***Our Core Beliefs*** The Eucharist is the Source and Summit of our Faith." Catechism 132 Click Here “This is the will of God, your sanctification.” 1Thessalonians 4“ Click Here ... lay up for yourselves treasures in heaven...” Matthew 6:19-2 Click Here The Goal is Heaven Click Here Please consider subscribing to this podcast or making a donation to Journeys of Faith we are actively increasing our reach and we are seeing good results for visitors under 40! Help us Grow! Buy Me a cup of Coffee Why you should shop here at Journeys of Faith official site! Lowest Prices and Higher discounts...

Today the Church is celebrating one of my favorite saints, St. André Bessette who had such a deep devotion to St. Joseph. He lived a very humble life as a Holy Cross brother and answered the door at a college in Montreal and offered to pray for people.

Tuesday after Epiphany Optional Memorial of St. Andre Bessette, 1845-1937; entered the Congregation of the Holy Cross, and was given the humble job of doorkeeper at Notre Dame College in Montreal, along with duties as sacristan, laundry worker and messenger; when he heard someone was ill, he visited to bring cheer and to pray with the sick person; when an epidemic broke out at a nearby college, André volunteered to nurse, and not one person died; after Holy Cross authorities bought property on Mount Royal, Andre raised $200 to build a small chapel and welcome visitors; by 1931, there were gleaming walls, but money ran out; “Put a statue of Saint Joseph in the middle. If he wants a roof over his head, he’ll get it”; The magnificent Oratory on Mount Royal took 50 years to build; the sickly boy who could not hold a job died at 92 Office of Readings and Morning Prayer for 1/6/26 Gospel: Mark 6:34-44

Full Text of Readings The Saint of the day is Saint André Bessette Saint André Bessette's Story Saint André Bessette expressed a saint's faith by a lifelong devotion to Saint Joseph. Sickness and weakness dogged André from birth. He was the eighth of 12 children born to a French Canadian couple near Montreal. Adopted at 12, when both parents had died, he became a farmhand. Various trades followed: shoemaker, baker, blacksmith—all failures. He was a factory worker in the United States during the boom times of the Civil War. At 25, Saint André Bessette applied for entrance into the Congregation of Holy Cross. After a year's novitiate, he was not admitted because of his weak health. But with an extension and the urging of Bishop Bourget, he was finally received. He was given the humble job of doorkeeper at Notre Dame College in Montreal, with additional duties as sacristan, laundry worker and messenger. “When I joined this community, the superiors showed me the door, and I remained 40 years,” he said. In his little room near the door, he spent much of the night on his knees. On his windowsill, facing Mount Royal, was a small statue of Saint Joseph, to whom he had been devoted since childhood. When asked about it he said, “Some day, Saint Joseph is going to be honored in a very special way on Mount Royal!” When he heard someone was ill, he visited to bring cheer and to pray with the sick person. He would rub the sick person lightly with oil taken from a lamp burning in the college chapel. Word of healing powers began to spread. When an epidemic broke out at a nearby college, André volunteered to nurse. Not one person died. The trickle of sick people to his door became a flood. His superiors were uneasy; diocesan authorities were suspicious; doctors called him a quack. “I do not cure,” he said again and again. “Saint Joseph cures.” In the end he needed four secretaries to handle the 80,000 letters he received each year. For many years the Holy Cross authorities had tried to buy land on Mount Royal. Brother André and others climbed the steep hill and planted medals of Saint Joseph. Suddenly, the owners yielded. Saint André Bessette collected $200 to build a small chapel and began receiving visitors there—smiling through long hours of listening, applying Saint Joseph's oil. Some were cured, some not. The pile of crutches, canes and braces grew. The chapel also grew. By 1931, there were gleaming walls, but money ran out. “Put a statue of Saint Joseph in the middle. If he wants a roof over his head, he'll get it.” The magnificent Oratory on Mount Royal took 50 years to build. The sickly boy who could not hold a job died at 92. Saint André Bessette is buried at the Oratory. He was beatified in 1982 and canonized in 2010. At his canonization in October 2010, Pope Benedict XVI said that Saint Andre “lived the beatitude of the pure of heart.” Reflection Rubbing ailing limbs with oil or a medal? Planting a medal to buy land? Isn't this superstition? Aren't we long past that superstitious people rely only on the “magic” of a word or action. Brother André's oil and medals were authentic sacramentals of a simple, total faith in the Father who lets his saints help him bless his children.Saint of the Day, Copyright Franciscan Media

Welcome back to the College Essay Guy Podcast. Today's episode is hosted by Tom Campbell, Community Manager & Senior Essay Specialist at College Essay Guy and a former admission officer at Pomona College and Holy Cross. We've polled the thousands of students who participate in our live webinars and courses and ask what they're favorite subject is, and consistently, STEM reigns supreme. By a lot. In this episode, Tom sits down with Jay Zhang, college counselor at College Essay Guy, to dig into the biggest questions students and families have about preparing for and applying to STEM programs. Together, they explore: What students should know about STEM coursework, rigor, and testing—and where there's more flexibility than most people realize How to think about majors, specialization, and which colleges to consider beyond the usual short list Common STEM student archetypes, including late starters, students unsure which direction to take, those in high-pressure STEM "bubbles," and students worried that elite summer programs are the only path forward And more.  Jay Zhang holds a B.S. in Microbiology from UCLA and an M.A. in School Counseling from NYU, and he's spent over a decade helping STEM students navigate selective admissions—especially within the UC system. He's also a former UCLA scholarship reader and interviewer, so he's seen exactly what works. Jay brings a strength-based, big-picture approach to STEM planning—and when he's not counseling students, you'll probably find him hiking at Crystal Cove or driving all the way from Orange County to LA for his haircut (hey, clearly, this is a man who knows his priorities). We hope you enjoy the episode.    Play-by-Play: 2:14 – What are some early memories of Jay and Tom learning STEM in school?  5:44 – Jay shares his background and where he grew up   7:55 – What are some high school courses that students interested in STEM could plan to take?  11:33 – What should STEM students know about standardized testing? 14:33 – How can students better understand different STEM pathways and majors?  17:55 – What are some lesser-known colleges or programs that students could explore?  24:03 – What are some strategies for broadening a student's college list? 30:01 – How can students balance prestige with selectivity and other factors that are important to them in finding the right fit? 32:46 – How can students explore diverse interests in STEM? 38:52 – What can high school juniors and seniors  do to show interest in STEM if they're just getting started? 46:11 – What helps students in competitive STEM "bubbles" move beyond comparison culture? 50:26 – How can students build on personal experiences that spark their interest in STEM? 53:30 – How important are prestigious summer programs for students interested in STEM? 59:25 – Closing thoughts   Resources: Firestarter Exercise What is STEM? STEM Majors  College Essay Guy's Personal Statement Resources College Essay Guy's College Application Hub  

Today on Coast To Coast Hoops Greg recaps Saturday's results & picks & analyzes EVERY Saturday college basketball game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:22-Recap of Friday's results15:48-Start of picks Oakland vs Michigan St17:44-Picks & analysis for Montana vs Louisville20:03-Picks & analysis for South Dakota vs Kansas St22:25-Picks & analysis for St. John's vs Kentucky24:51-Picks & analysis for Liberty vs Dayton27:11-Picks & analysis for Buffalo vs Western Michigan29:11-Picks & analysis for Georgia St vs Appalachian St32:13-Picks & analysis for Miami OH vs Ball St35:04-Picks & analysis for Kent St vs Massachusetts 37:34-Picks & analysis for Coastal Carolina vs Old Dominion40:06-Picks & analysis for Colorado St vs Utah St42:56-Picks & analysis for Marshall vs Troy45:40-Picks & analysis for Elon vs Virginia Tech47:45-Picks & analysis for North Carolina vs Ohio St50:03-Picks & analysis for Central Michigan vs Northern Illinois52:35-Picks & analysis for Denver vs Northern Colorado54:57-Picks & analysis for Louisiana vs UL Monroe57:20-Picks & analysis for South Alabama vs Texas St59:34-Picks & analysis for Bowling Green vs Ohio1:01:46-Picks & analysis for Grand Canyon vs Wyoming1:04:14-Picks & analysis for Jacksonville St vs East Tennessee1:06:32-Picks & analysis for UT Martin vs Tennessee Tech1:08:54-Picks & analysis for Memphis vs Mississippi St1:11:16-Picks & analysis for Northeastern vs Syracuse1:13:48-Picks & analysis for Northwestern vs Butler1:16:13-Picks & analysis for Arkansas St vs Southern Miss1:18:39-Picks & analysis for Morehead St vs Southern Indiana1:21:26-Picks & analysis for SE Missouri St vs Tennessee St1:23:54-Picks & analysis for Mercer vs Washington St1:26:24-Picks & analysis for James Madison vs Georgia Southern1:28:57-Picks & analysis for Arkansas vs Houston1:31:07-Picks & analysis for The Citadel vs Richmond1:33:45-Picks & analysis for Maryland vs Virginia1:36:13-Picks & analysis for Auburn vs Purdue1:38:38-Picks & analysis for Fresno St vs UNLV1:41:29-Picks & analysis for Eastern Washington vs Utah1:43:48-Picks & analysis for Loyola Chicago vs Santa Clara1:46:30-Picks & analysis for Portland St vs Tulane1:48:59-Picks & analysis for UC Riverside vs St. Thomas1:51:19-Picks & analysis for Pennsylvania vs Rutgers1:53:55-Picks & analysis for Sacramento St vs Cal Baptist1:56:41-Picks & analysis for Stanford vs Colorado1:59:37-Picks & analysis for Texas Tech vs Duke2:01:52-Picks & analysis for Marquette vs Creighton2:04:18-Picks & analysis for Xavier vs Georgetown2:06:39-Picks & analysis for Utah Tech vs Weber St2:09:22-Picks & analysis for Rice vs Pepperdine2:11:54-Picks & analysis for San Jose St vs New Mexico2:15:05-Picks & analysis for Boise St vs Nevada2:17:07-Picks & analysis for San Diego St vs Arizona2:21:01-Start of extra games Robert Morris vs St. Francis PA2:23:39-Picks & analysis for USC Upstate vs Youngstown St2:25:47-Picks & analysis for Le Moyne vs St. Bonaventure2:27:44-Picks & analysis for Chicago St vs Indiana2:30:19-Picks & analysis for Iona vs Vermont2:32:32-Picks & analysis for Longwood vs NC Central2:35:19-Picks & analysis for Lafayette vs Georgia Tech2:37:23-Picks & analysis for Binghamton vs Mercyhurst2:39:20-Picks & analysis for Holy Cross vs Harvard2:41:49-Picks & analysis for Howard vs NC Wilmington2:44:09-Picks & analysis for FL Gulf Coast vs Central Florida2:47:04-Picks & analysis for Long Island vs FL International2:49:34-Picks & analysis for Bucknell vs Iowa2:51:59-Picks & analysis for Omaha vs Lamar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A Holiday Haunting: Part 4 A unique relationship paradigm. Based on a post by zeon 67. Listen to the ► Podcast at Explicit Novels. He had asked Erin what kind of food she wanted to try, and she said something new, with lots of flavor. Walking into the orange glow of the Thai restaurant and getting the scent of the food, Jack knew he had picked the right place. Erin looked so excited, her eyes darting to every plate as they got seated. "So, Siam is now Thailand?" Erin asked as soon as the waiter poured the waters and left the menus. "Yeah." Jack nodded. "I'm sorry, but I have to ask; are you okay?" "What? Why?" She lowered the menu, and her eyes widened. "Just want to make sure that you're not gonna fall asleep on me." Erin smiled and said, "I'm getting my eight hours. Can you help me with this menu?" Jack leaned over and tried his best to explain everything to Erin. He remembered her telling him that the food she used to eat in the 1880s was bland and boring. He got the idea she wanted something spicy but didn't want to scare her. He suggested Pad Thai, and picked something hotter for himself, a couple of appetizers and wine. "So, what did you do all day?" Erin asked as soon as they were alone again. "Nothing really. Replied to some emails, watched TV with my sisters, argued with my parents about politics ;  a typical holiday." "What would you be doing if you were back in Boston?" "Don't know. Maybe watch basketball, gym, go on the PlayStation, hit a couple of bars with friends." "PlayStation ;  that's the machine that you can play computer cartoons." "Close enough," Jack smiled, "What about you? How did you used to spend your free time?" "Working for the Franklins took up most of my time. I would be in that house for hours, sometimes the whole day. Any time I had to myself, I'd read or maybe go for a walk. Not really that entertaining. But now I can't wait to experience new things." "I know, I saw your list. What about today?" "Me and Lucy watched more movies. We watched some ones with a lot of action, which was terrifying. But I got through it." Jack wanted to quickly interject and ask what film that she saw, but let her carry on. "I tried to use Lucy's computer. But it was so hard and nothing worked. It looked so easier when you were using yours. I kept on forgetting about the Start button." "And I got this." Erin reached into her jacket pocket and showed Jack a red cellphone. It looked a little small compared to most modern phones and had some scratches around the sides. "I got from a store nearby and a prepaid plan. We can talk to each other now." "That's awesome," Jack said. He knew that there was something that he had forgotten to do for Erin. "Lucy helped me take a couple of selfies. I guess that's what girls like me do now. I created a Spotify account and I'm trying to find my taste in music. But I'm not joining Instagram or Facebook yet. Lucy said it's too early." "Yeah." Jack nodded, thinking if he should tell her the horror stories of social media. "Also, I know Beth is going to be trawling for your account and will immediately follow you." The food then arrived, and Erin's attention was drawn instantly to the plate set in front of her. Jack watched her, a mix of confusion and excitement at the various plates. He should probably try to explain everything. "These are the appetizers, that's pork gyozas ;  dough wrapped around a filling. Those are chicken satays ;  grilled chicken with sauce." Erin pointed to her dish and asked, "And I ordered; ?" "Pad Thai. A typical Thai dish ;  everyone should try it at least once. I got drunken noodles, there are hotter." Erin reached for a chopstick; her fingers and thumbs fumbled around the utensil. But to Jack's surprise, she got used to quickly them and tried everything in front of them. Seeing her face light up with every bite, he just grinned, like he was enjoying the food through her. "This all tastes amazing. So many spices and different flavors." "I thought food was better back in your time. Fresher, no chemicals or hormones." "Maybe. But we just boiled everything. And there was no taste." Jack carefully ate his noodles, making sure not to make a mess as he listened to Erin. She talked more about her plans; she was thinking about starting yoga. He didn't see it in Lucy's apartment but now could tell she was wearing makeup and looked even better. Her eyeliner made her green eyes pop, and she had a bold shade on her lips, making it so enticing. He needed to be alone with her. Erin caught him staring and smiled. She then said, "Me and Lucy were talking. And I think we got a story I can tell people." "Okay." "We got this idea after watching a true crime television show ;  Lucy loves those. So, I tell people I came from Ireland but I moved here when I was twelve. I lived with a very religious aunt and uncle. The Franklins. We lived away from other people and had a simple life." "So, you were in a fundamentalist sect?" "Yes. I didn't have a TV, no internet or modern music. I only interacted with the Franklins and other people in the community." "Okay. But why did you leave?" "The Franklins died." "And what happened between then and now?" Erin paused, looking like she was thinking of an answer. She took a sip of wine and said, "After I decided to leave, I travel to Boston and stay there, for some time? But; but it's too expensive and I meet Lucy and she lets me stay with her. I then meet you and; you know?" "That's perfect." After finishing their food, Jack ordered more wine and asked Erin what she thought about the meal. "I loved it." Erin said, wiping her lips with the napkin. "I always wanted to try something like this. Before I left Boston, there was this Chinese neighborhood. Just walking pass, I would be enticed by the aroma. But I could never walk into the neighborhood." He asked why but saw Erin go quiet and look nervous. It took Jack a moment before he understood, going to a Chinese block would be a major no-no for a white woman in 1890s Boston. "I lived in what is now called South End. Then it was a mix of Irish, Lebanese, Jewish, African-American, Greek. It was okay to speak with them and visit their stores. But the Chinese was a different story. I never understood why." "Do you miss Boston?" "Yes. When I arrived in the city, after weeks on that boat, I couldn't believe such a place could exist. So big, so many people. Visiting the Cathedral of the Holy Cross, getting lost in alleys exploring the city, having picnics at the Common." Looking at her, Jack thought about asking her something that he had been on his mind for a while. "Do you want to come to Boston with me?" "I would like that." They both leaned over the table and kissed, just a quick peck. But they stared in each other's eyes, a tension rapidly developing between them. Jack thought about asking about dessert, there was the Chocolate Bar a couple of blocks away, or that they go for another drink. But watching Erin, it felt she wanted to be alone with him. "Lucy told me something," Erin said in a hushed tone. "She will be working late and will be spending the night at a friend's." Jack nodded and flagged down the waiter. A human Copulation. "Lucy!" Erin called out as soon as they opened the door. Hearing no response, she turned and faced Jack. They both shared knowing smirks and quickly kissed. Erin moaned in his mouth as the kiss grew more lustful. She pressed herself against him and wrapped an arm around his neck. Erin wanted to feel closer to him. Jack loved every moment; having a gorgeous girlfriend draped over him would make any man ecstatic. Erin then took his hand and pulled it down to her ass. It was amazing how much she had changed in the last couple of days; the modest, sexually-na ve girl from the nineteenth century had disappeared. Erin moaned again as Jack cupped her ass. She broke their kiss and tilted her head towards Lucy's bedroom, Erin's green eyes sparkling as she grinned at him. Jack let her take the lead, pulling him into the bedroom. Erin slammed the door shut and quickly went to work on undressing Jack. She clumsily tried to unbutton his shirt but got nowhere and groaned. "You're wearing too many layers," Erin said, flashing him a half-smile. He pushed her back and immediately corrected his dress code. His jeans and the rest of his clothes then fell to the floor, and Jack then wrapped his arms back around her, kissing Erin's neck as he tugged on the zip. Her dress loosened, and Erin effortlessly slipped out of it, revealing her perky tits clad in a black bra. He didn't do it on purpose, but Jack moaned at the sight of her. How could he not? Erin stood in front of him wearing a black lace bra that just covered her bust, revealing a hint of her areolas. Below, she wore a matching lace thong. Super fucking sexy. Looking up, Erin had this smug smile on her face; she knew the effect she was having on Jack. She swayed her hips as she moved to him; Jack stayed slack-jawed as Erin pushed on the bed and straddled him. She lowered her head, and they resumed fervently kissing, writhing together. Jack reached around and unclasped her bra. Erin shimmied her body and slipped her hands out, tossing her bra away. Jack instantly grasped her free tits, enjoying the feeling of the soft flesh in his palm. Their lips still locked, he gently squeezed them, his thumb teasing her sensitive nipples. Erin responded by moaning into his mouth, egging him on. Jack pinched and pulled her erect bud, eliciting more moans from Erin. It got too much for her, and Erin pulled back. "Jack, I; I need you; inside me," she said, breathless. She rolled off him and got on all fours. There was something perverse in being fucked like an animal; Erin really wanted to feel that way again. She shuddered as she felt Jack's lips brush down her back as he carefully pulled down her panties, biting her lip and burning in anticipation. He slipped his hand between her thighs and found a very wet pussy. Erin trembled at his touch and moaned again. She begged for more and was ecstatic at having her cunt be invaded by Jack's finger. He then slid another one in, pushing them into her pussy. She gritted her teeth and hummed. Jack pulled his hand back, disappointing his panting girlfriend. His fingers oozed with her slick juices; shit, she's horny. He pressed his tip on the wet folds of her pussy and waited for a moan. Erin shook her head and whimpered as he thrust his cock in one slow push. "Oh yes;" Erin whispered, rolling her back and letting out another moan. Shuddering, her cunt muscles welcomed his cock, tightening around the shaft. Erin felt his hands on her ass, squeezing her cheeks as Jack slowly fucked, in long, gentle movements. It was just like being in the Franklin's bed, Erin going through the same electric sensations and loving every second of it. Erin threw her ass back, demanding his cock faster and harder. " more, more, more," she whimpered, matching his rhythm. Hearing her moans, Jack pumped his cock harder, watching his girlfriend's ass shake with every thrust. She pleaded for more and faster Jack went, pounding his cock. He loved how loud she was being. It was such an intensely erotic feeling, having a gorgeous woman cry for your cock. It urged him on, and the bedroom echoed with the sounds of their flesh slapping. Erin slammed her head on the pillow, stifling her cries as her body tightened, edging closer. She pressed down on the mattress and lifted her chest up, arching her back. Her right hand went for her left tit, clamping her fingertips around her erect nipple. While she pinched and pulled, her left hand slipped between her legs and found her engorged clit. "Oh; CHRIST!" She screamed. Erin dropped her mouth wide open, her limbs twitching as she hurtled to an incredible and intense climax. She inhaled sharply, gritted her teeth, close, so very close. Jack stopped and went still. He wrapped his arms around her waist and slammed his cock in slow, hard thrusts. It was too much for her. Erin shrieked, and her whole body shuddered; her fingers gripped the sheets, and her eyes rolled back into her skull, riding out an earth-shattering orgasm. "Oh; that felt good," Erin whispered, coming in down. Jack fell back, hitting the headboard. That was something. His still-hard cock slid out of Erin's drenched cunt. His throbbing shaft dripped with her slick juices. Taking a couple of deep breaths, his eyes focused on Erin and he used every ounce of willpower not to cum. She had this small, content smile on her face that looked so cute and yet very sexy. She grinned back at him, knowing what he was thinking. Her eyes drifted down to his glistening cock, and her smile went wider. She instantly regained her composure, getting on her back. Their eyes met again, and Erin wiped the sweat from her forehead before cupping her tits. Biting her lip, she pinched her nipples and spread her legs, eager for his cock, "Please." Jack quickly responded, shuffling forward with his cock in his hand. He leaned over her, feeling the heat from Erin's post-orgasmic glow. His throbbing tip brushed up against the soaked openings of her pussy. He rested his hands by her waist; she felt warm and slowly pushed his cock back in. Erin groaned and exhaled, her body vibrating, enjoying the incredibly fulfilling sensation of having Jack's cock back inside her. Intense heat rippled out from her cunt; her pussy muscles kneaded his pulsing shaft. Erin looked up at him, her eyes filled with lust and love. "Oh, yes;" Erin moaned as Jack bottomed out. She then wrapped her hand around his neck, pulling him down; Erin needed to kiss him again. The mouths instantly parted, and their tongues met again. Moaning into his mouth while twirling her tongue, Erin hooked her legs around Jack's waist, pulling him closer. She let out an animalistic grunt like she had been penetrated by another inch of cock. Erin or Jack, or both, broke their embrace and locked eyes. Watching each other's faces contort while they rhythmically fucked each other senseless. "Oh, God!" Erin screamed, getting closer and closer. She fucked him right back, meeting every vigorous thrust by throwing her hips forward, slamming her pussy at his cock. Jack pushed her up and lowered his head, nestling his face in the crook of Erin's neck. He slowly kissed down her soft white flesh, reaching her tits. He enthusiastically sucked on her nipple while slipping his cock out, waited a moment, then rammed it back into her drenched pussy. His free hand eagerly groped her other tit. "Oh, Jack!" It was getting too much for Erin. She tightened her grip around Jack's waist and went stiff. She fucked him hard, hyperventilating and shaking. Erin hissed and cried his name out as she rode through another orgasm. She frantically thrust her hips, trying to extend her climax and begged Jack for more. He replied by pressing his teeth down her nipple, and that was it. Her pussy spasmed around his raging cock and she let out a long cry. "Yes; yes; Oh Lord; Jesus Christ!" She yelled. As Erin went limp in his arms, Jack could feel the familiar tingling sensation coming from his balls. He tried to put it off, still plunging his cock furiously. Both of them moaned and gasped for air, covered in sweat, wanting more. But Jack couldn't take it anymore; he threw his head back, roared as he shot a torrid of cum into her. His body jerked uncontrollably from the needed orgasmic release, each movement causing another shot of jizz. Erin sighed and moaned, feeling Jack's cock explode deep inside her, making her tremble in ecstasy. Another rope of his jizz filled her womb, followed by another. As Jack collapsed on top of her, his brain mushed in a post-climax daze, Erin held him tightly. She had a broad grin, smugly satisfied that her pussy was filled by her lover's cum. Quietly moaning, feeling the hot cum seep down her thighs, Erin leaned forward. Her tits pressed against Jack's chest as she kissed him. Recovering from the intensity of their orgasm, they passionately kissed before breaking, pressing their foreheads together. Their eyes were closed, and they slowly breathed. "I love you," they said in unison, before exchanging more kisses. Erin smiled back at Jack. Her hands trembled, and sweat flooded her face. It was happening again. She remembered her breathing exercises, focusing on five things in the room. It didn't work, and Erin sunk through the mattress, her hands phasing past Jack's body. His mouth dropped as he watched her go. She hit the floor of the room, thankful that she didn't go any further. Jack immediately jumped off the bed and checked underneath, finding her sprawled out on the carpet. "Are you okay?" Erin stared at the underneath of Lucy's bed and just whimpered, "; no." New Years Eve. Jack tried to pay attention to the conversation; he knew it was important. It was about Erin's condition and what they should do next. But when he saw Erin walkout, wearing a black lace dress, Jack struggled to pay attention to Lucy and her friend. Erin just looked too sexy. She caught him staring, and Erin responded with a smirk. "Circe; Circe; Circe!" Lucy yelled, "We already got the dirt." Jack quickly turned back to Lucy and her phone. She had been Facetiming with a witch, who supposedly knew what was happening to Erin. They hadn't completed the resurrection ritual properly. Lucy's witch friend said they had done around ninety percent of it. The remaining ten percent involved Jedidiah Franklin's grave dirt and New Year's Eve. "Shut up, bitch!" Circe shouted at Lucy. Glancing back at Erin, she and Jack exchanged another look. This didn't sound like it was going well. Lucy and Circe had spent around twenty minutes just name-calling, bringing up boyfriends they had shared and generally being dismissive at each other. What he understood was that Circe wanted them to do another ritual, while Lucy wanted to do something different. Anything, it didn't matter. "What is it with you witches and wizards? Sex magic all the time. Sprained your ankle ;  sex magic. Car won't start ;  sex magic. Have to go to small claims court ;  sex magic. Don't you have a book of spells?" "Aw the poor medium is stuck. God, you're so basic. You just repeat what spirits say, like a parrot with tits." "Shut up, Claire, you giant poser!" Lucy yelled. The raven-haired witch went quiet and completely still. Lucy even called out her name to check if the call had frozen. Jack got the sense that Lucy had crossed some line and should apologize. Seeing Circe's bulging eyes, he figured the apology should be sooner than later. But the call ended, and he let it go. "What do we do next?" Erin asked. "We still go out. It's New Year's Eve." Lucy said, her phone then buzzed, and she read the message. "It's Circe. She says that as Jedidiah Franklin was the one who killed you, he needs to be punished. We have to burn the dirt, evoke Frigga, you two get freaking with some mistletoe above the bed. When the dirt turns white ;  we're good. Then she called me; the c-word. She called me a cunt" Erin looked embarrassed on her behalf, looking at her feet and said, "Oh." Lucy shrugged it off. "I will make it up to her later." She stood up and checked the time; it was getting close to eight, they had some time to kill. "Jack, you call a cab. Me and Erin will get ready." Erin followed the blonde in her bedroom, taking careful steps as she hadn't gotten used to wearing heels. In the bedroom, a silver bucket sat next to the window with a tub filled with dirt lying next to it. Erin had joined Jack this time, driving to a graveyard near the coast. Lucy gave them instructions while working, listening to her transparently flirt with a customer for tips while they waited to be told what to do next. Lucy opened a drawer and pulled out two sticks of white chalk. Handing Erin one, she bent down and drew a circle around the bed. "You okay with another sex ritual?" Erin chuckled and said, "It's getting repetitive." She placed the grave dirt in the bucket and set it down in front of the bed, drawing a circle around it. "Will you be there ;  watching?" "I have to." Lucy laughed. "Do we have to do it today? I was looking forward to celebrating the New Year." "It has to be a special day like New Year's Day or say, February 1. Then there's the Spring Equinox, Midsummer, Halloween, the Winter Solstice. You want to wait until February to make sure you never walk through a door?" "Of course, no." Erin replied, "I want to move on with my life and forget about protective circles, sex magic, the Franklins." Wiping the chalk from her hands, Erin checked herself out in the mirror. The dress showed off a lot of her bare skin, and she didn't know what to feel about it. Seeing Jack's face, Erin knew she looked hot and loved the feeling. But then there were Mrs. Franklin's words, telling her that she looked like a Catholic succubus. At least her legs were covered; it was too cold to go without tights. Lucy then joined her by the mirror. She wore a more revealing outfit, a silver sequined V-neck dress, her large tits up for display. Seeing her like that, Erin could only imagine the reaction in the nineteenth century. This was the new normal now, and she had to get used to it. Lucy raised her phone up and took some photos, saying, "We look hot." Erin laughed and then did the same. They took a couple of photos of their reflections, then some selfies. It was kind of pointless, and no one was going to see it, but checking out the photos, Erin really liked how she looked. "You said we had to do it tonight. Should we still go out?" "Yeah." Lucy smirked, putting away her phone. She said, "One, whenever we do it, it has to happen at the witching hour ;  that's like at three in the morning. Two, it's your first New Year's Eve, you gotta celebrate it." Jack then knocked on the door and said, "The cab is coming in ten minutes." Approaching Normalcy. Erin liked how it felt having Jack's arm wrapped around, comforting. They were in a bar, a busy bar, sitting alone and waiting for Lucy. There were many people around her, and it took Erin some time to get used to being in a crowd. It wasn't like she was frightened or agoraphobic. She just got anxious about saying the wrong thing, letting people know that she didn't belong in this time. Then was the whole becoming incorporeal whenever she became nervous. Finishing a glass of wine helped Erin from phasing through the chair. The alcohol also helped her make small talk. A girl in the restroom had asked about her dress, wanting to know where she got it from. They talked for a bit more, and Erin returned to Jack, full of confidence. "Hey guys." Lucy sat down in front of them and placed a white plastic bag on the table. "I got the mistletoe for Frigga. I need a drink." Jack ordered another beer and two glasses of ros for them. "So, what is the plan for tonight?" Erin asked. "Drink here then go to a couple of bars and see what happens." Lucy then glanced at Jack, who shrugged a 'that sounds good' response. "What did you do all day?" "Nothing," Jack said, "Just emailed my boss and about me moving back to Boston." "Cool. Did Erin tell you what she did today?" Jack shook his head and turned to his girlfriend. "I went grocery shopping by myself." "That's really great," Jack said. "Once this thing goes away and I'm not afraid of passing through a bed, there's things that I want to do. I already got a plan." "Like what?" Lucy leaned in, finishing her wine. "First, I need a job, something that I can do and that's not far from Jack's apartment. And I'm looking at GED courses. Then a community college course." Lucy grinned and said, "That's fucking cool. We need some tequila to celebrate." Jack and Lucy showed Erin how to take a shot of tequila. She let out a long moan as the burn of the alcohol shocked her throat and quickly bit into the lime slice. They slowed down their drinking, Jack saying that they shouldn't be wasted for the ritual. Lucy agreed, worrying out loud that she could mess up and make Erin a ghost again. They talked for a while, trying to predict what would happen in the new year, before going to another bar. Then quickly another one, eventually ending up at the Cord & Rifle. It was more of a high-end hipster bar, which annoyed Jack and Lucy, and she worked there. The bartenders wore white shirts, suspenders and each had handlebar mustaches, looking like Civil War surgeons. This just confused Erin, wondering why people were pretending to be like that. "It's just; the trend," Jack said, sighing. Erin glanced at Lucy, and she was rolling her eyes but also nodding. They ordered more drinks, and Erin moved away from wine, trying what the bartenders said were authentic cocktails from her time. They were lying to her. Her eyes flickered to other patrons; they were all ordering expensive drinks, taking photos, deleting them, then retaking them. Their lips were stretched out in the smile, but their eyes stayed unmoved. This is what modern life is? Expensive drinks and pretending to be happy. She and Lucy were then in the bathroom, touching up their makeup. Erin turned her and asked, "Is New Year's Eve supposed to be; like this?" "Are you asking if New Year's Eve always this mediocre?" Lucy said, smirking. "Yeah. It's always a massive let-down. You got this pressure to have this epic night, everything is expensive, then there's that bullshit about getting a kiss at midnight." "A midnight kiss?" "It's some bullshit. Something that Hollywood and Hallmark love. I think it's real tradition behind it, probably something farming related. But now it's been romanticized to insane levels. If someone doesn't kiss you when the clock strikes twelve, then life is over." "Really?" "Stupid, isn't it?" Lucy sighed, "At least you got Jack." "You are not interested in meeting someone?" Erin asked, "There were some men that were checking you out?" She narrowed her eyes as she spoke, wondering if she used the right word. "I wasn't feeling it." Lucy shrugged. "Too many desperate creeps and fake-ass nice guys. You know that tavern-like bar we quickly left because of the vibe? Some girl tried to hit on me in the bathroom. It's been a while since I've been with a girl;" They then went quiet and stared at each other. A group of ladies woke them up, and they quickly left the bathroom. They had never discussed the kiss at the s ance, and Erin didn't know how she could ever bring it up organically. She couldn't make sense of it herself; why did she kiss her? It wasn't like she had this attraction to Lucy. Erin just rationalized that the s ance messed with her emotions, and that was it. Jack was waiting for them at the booth. He stopped them before they could sit. "Some guy was looking for Lucy. Lloyd?" "Lloyd? Oh, snap. Where is he?" "Outside. Said near the 7-Eleven." "We should get out of here." "Why?" Erin asked. "He's got the final stuff we need to for tonight." Lucy replied. "Oh," Jack smiled and handed them their jackets. They got outside and walked to the meeting point. He turned to Erin and said, "We're meeting Lucy's weed dealer." "Weed?" Erin asked. Lucy jumped in before Jack could open his mouth, saying, "It's marijuana, cannabis. You probably heard it as hash. We need it for the ritual." "Oh. Do you normally partake?" Nodding her head, Lucy smiled and said, "Yeah. It makes things less boring. Also, marijuana has been used in so many sacred and spooky things." "I do as well." Jack felt Erin give him a quick look, knowing that she was about to ask him the same thing. "Weed is legal in Boston. I smoke it time to time. Shame we don't have any dispensaries." "Same," Lucy quickly jumped in. "They say we might get dispensaries in Portland by summer." Erin stayed quiet, giving them both a long stare. "Are we supposed to just burn it?" She eventually asked, "Or we do smoke it?" "Both," Lucy replied. Erin remembered hash from when she first arrived in America, that weird feeling block of greenish-brown that her father would take as medicine. There was also a time when she was given cannabis fluid for an illness. The idea that people now took cannabis for fun interested her. "I would like to try some." Erin said, nodding her head. Both Lucy and Jack looked at each other, silently conversing before turning back to Erin, asking if she was sure. They mention PSAs, peer pressure and not wanting to force her into something she might not be ready for. Erin replied with a blank look, nodding her head but not really listening. "Before I was a char-girl, I worked in a factory. The fumes from the vats would give me migraines. Do you know what the druggist gave me?" Erin asked, slowly smiling. Both Jack and Lucy shook their heads. "Heroin," Erin said, "They used to give that to fussy babies as well. Also, the man who owned the house before you, Jack. I once saw him inhale white powder and act loony. I feel marijuana is safer." Lucy shrugged and walked away. She was back with a baggie filled with dark brown herbs a minute later. "All set?" Jack asked. "Yeah. Lloyd was pretty nervous and wanted to know who you guys are." "What did you say?" "Just a couple I had a quasi-threesome with." Erin was still blushing by the time they got to the final bar. It had more of an old-school look about it, reminding her of Ireland and the taverns where she would be sent to fetch her father. They got in just before the countdown. While everyone started counting down and looking at the screens, Erin lost her cocktail. The glass phased through her hand and smashed against the floor. Was it nerves? That the ritual wasn't going to work, or she could say to herself that she was excited, looking forward to the new year. While everyone celebrated, Erin ignored the lost drink and grabbed Jack, kissing him hard. If this wasn't going to work, she would at least have some fun. She quickly ended their embrace and then lunged at Lucy, giving the medium a long hug. After tonight, she needed to do something for Lucy, something to show her appreciation. Lucy broke their hug and smirked back at her. "Let's get out of here. Time for you to be human." More Dark Arts. Jack thanked that the burning pot was giving him a gentle high, otherwise he would be embarrassed. He, like Erin, sat in his underwear on Lucy's bed. A sprig of mistletoe was taped to the headboard behind them while white candles circled the bed. They watched Lucy burn some incense sticks while reading out of the grimoire. But every once in a while, Jack would catch the medium look up from the book and steal glances, her eyes focusing on the bulge between his legs. Erin did the same but acting a lot more obvious than Lucy. It was this weird horny circle. Jack tried to stay unaroused, which was getting more difficult with every passing second. Erin and her lacy bra would draw him in, and his cock throbbed with every look. "Are you okay?" Jack asked. Erin grinned and said, "Yeah." Looking at her, it was clear that she was getting a buzz from the pot. It was also affecting him, that or whatever Lucy was burning. He felt warm and eager. Jack needed to move, jump off this bed and do something. He looked at Lucy; she was still reading the grimoire and glancing up at them. Was she checking Erin out? Her attention had moved away from his bulge, focusing on Erin's heaving chest and her tits. Jack closed his eyes and shook his head; all the pot and incense made him think he was in a porno. Lucy then slammed the book shut and stood in front of them. Still wearing her sequin dress, she said, "It's time." "What do you want us to do?" Erin asked. "Yeah, you're the director." Jack added, smirking. "You guys start fucking. I will chant Frigga's name while you do it." Jack turned back to Erin; her green eyes told him she was ready. He pulled her close to him and kissed her passionately. Their lips parted, and they both moaned, also gasping for air. Erin grinned back at him, making Jack chuckle at the ridiculousness of the situation. He placed his hand on each side of Erin's face and pressed his lips back on hers. Jack thrusted his tongue into her mouth, suppressing a groan as he felt her hand cup his bulge. There was a moan ;  it may have come from Lucy as Erin freed Jack's cock. He couldn't explain it, but his cock was a stiff and hard as it ever had been. Maybe the stuff that Lucy had burned is what they make Viagra out of? Jack could feel his tip oozing copious amounts of precum and coating Erin's fingers. She broke from their kiss and looked down in amazement, drooling at the sight of his pulsating member. Erin desperately needed that cock inside her. She grabbed Jack and roughly pulled him down onto the mattress. He looked shocked at her sudden assertiveness. But before he could say a word, Erin sat between his legs and took his cock deep into her mouth. Both he and Lucy moaned their approval as Erin swirled her tongue along the underside of Jack's shaft. "Oh Frigga; Oh Frigga; Oh Frigga; oh fuck," Lucy said. She paced around the room, burning a bundle of sage while invoking a Norse goddess. She lost her focus as she saw Erin strip off her bra and bob her head on a massive cock. This was insane. Jack was stunned by Erin's drive and how badly she wanted his cock. Her naked tits bounced against his crotch, and Jack had to feel them again. Taking her perky tits in his hands, Erin moaned on his cock while Lucy had stopped speaking and just stared at them. Erin shuddered and then pulled her head from Jack's cock. She could have more fun blowing him, but right now, they needed to have sex. Erin looked up at him, replying with a big, content smile. She then stood up on the bed and wriggled out of her panties, giving Jack and Lucy a little show. She rested her left leg on the other side of his crotch and slowly sank. Erin grabbed his slick, throbbing cock and pressed against her pussy. "Jack; this is so wicked," she said with a big smile. She let out a long, deep exhale as she bent her knees and became impaled on Jack's cock. Erin's body involuntary shook as her eyes rolled back. Something was different this time, there was this raw, lewd feeling, but Erin wasn't complaining as Jack's cock pulsed against the walls of her pussy. She remained still, her eyelids down, and she breathed rapidly. Seeing Erin and Jack acting like there were in a porno, Lucy had forgotten what she was supposed to do. She stared at her friend's body or, more accurately, ogled Erin's nakedness. She looked hot. So did Jack. She didn't want to think about that now; that would be later when Lucy was alone with her vibrator. She stood in front of the silver bucket and lit a match. "Oh Frigga. Please take fortune on Erin and punish the man who wronged her," she said, looking up. Lucy flicked the match into the dirt, it burned into a bright white flame and went back to enjoy the show. Erin rested her palms on Jack's chest and slammed herself up and down on his cock. She had thrown her head back; her eyes were closed, and she hummed to herself as she forcefully rode Jack. Her tits bounced to Lucy's and Jack's delight, eager to be touched. Those herbs that Claire picked had really fucked with her head; she knew she was never this bi-like. Erin then arched her back and squeezed her tits, pulling on her erect nipples. "Oh Lord; yes!" Erin cried, nearly sending herself off to her first orgasm of the night. Seeing her moan and cry for more was an incredible sight for Jack. It was love. Seeing his girlfriend ride his cock with such passion was unbelievable. He wrapped his arms around her firm ass and raised his hips. He saw Erin appreciate the slight change, his cock thrusting deeper into her slick pussy. She was getting close; he could sense it. But then Erin slowed down, and Jack had to yawn. Turning his head, Lucy was down, sleeping on the floor. He felt weak, and his eyes were heavy. Erin collapsed on top of him ;  in a deep sleep like before. Jack shook his head, thinking that it would help. He then prodded Erin and yelled her name, but nothing. He couldn't fight it anymore and slowly drifted asleep. The Attic, Again. Jack's eyes opened, and he knew something was different. This isn't Lucy's bedroom. Sitting up, he knew where he had been transported to, the attic. It wasn't was like the other week when he woke up in 1897 and watched Erin die. There was nothing in the attic this time, no lanterns, steamer trunks or the presence of anyone, just exposed brick and worn floorboards. Something had happened. Sitting up, he noticed that he had been on Lucy's bed. Looking to his side, Erin lay in a deep sleep. Weirdly enough, she was wearing the same black lace dress. To his left, he heard snoring. Turning his head, Lucy slept, also wearing the same dress she had on from earlier. Seeing her was surprising; Jack expected it would be just him and Erin transported back in time. That's what would make sense. He reached over to his right, gently rubbing Erin's arm. "Erin? Erin?" Nothing. Jack then turned to Lucy and called out her name. Again, nothing. Getting up, Jack walked around the attic. There had to be something they needed to do. Or something they did wrong. He raised his hand up; there was something different. There was a dry heat coming from somewhere in the room. Jack tried to ignore it, focusing on the door. He pushed it a couple of times, it didn't move. He slammed his shoulder against it; the door didn't budge; there's no give. "Ah; ," a female voice moaned. Jack rushed back to the bed, seeing Erin stirring. She slowly opened her eyes and said, "Jack?" Erin then sat up, turning her head, taking in the change. "No." "It's okay. It's not like it was before. Something is different," Jack said. He then pointed to Lucy, who was still asleep, "She's also here." "Lucy," Erin said, her eyes widening. She jumped to her feet and moved to the blonde medium. She shook Lucy, yelling her name. "Fuck; leave me alone. Shit." Lucy groaned, pushing away Erin. She sat up and rubbed her eyes. With one eye open, she scanned their surroundings. "Where the fuck are we?" "The attic," Jack said. "It's weird. There's a door but it's not opening. And, I don't hear anyone." "No Franklins?" Erin asked, wrapping her arms around herself. Jack extended out his hand and gently rubbed Erin's shoulder. "No. We're alone." He slipped off his blazer; it was getting too hot, and then sat back on the bed. He glanced at Lucy, waiting for her to think of something. She stood up and paced in front of the bed. "Okay. Remind me again. What happened last time? Was it the same?" Jack shook his head, "No. Not like this. I was watching the Franklins and Erin going through their day. It was like when Scrooge goes back to the past. They couldn't hear me or see me. But I could go anywhere. Not just this attic." "Same for me. I just woke up," Erin said, "And I thought everything went back to how it was. But then I saw myself; as a maid. Then Jack." "Okay, let me think." Lucy said, still pacing. Watching the blonde walk back and forth, Jack rolled his eyes and undid the top button of his shirt. He looked down at his feet, realizing he was tapping his foot. There was something about this attic; it was making him feel hot and restless. Erin joined him on the bed, and Jack quickly got distracted by her. She just looked so sexy; he was desperate to continue what they were doing back in Lucy's apartment. Looking at Erin, Jack noticed that she had the same problem. Beads of sweat trickled down her forehead. Her fingers drummed against the mattress and her legs jiggled. Lucy rushed back to them, her skin glossy and her face flush. "I think Frigga wanted something else. Like you have to be here for the final bit." "Yeah okay. But why did the spirits or Frigga or whatever drag you here as well?" Jack asked. Lucy shrugged, "I'm part of this." "How?" Erin said, slowly playing with her hair. "I mean you did use my body to have sex. And remember when we first summoned you? You kissed me." Jack glanced at Erin; her face was crimson. Turning back to Lucy, "Do you think the kiss had effect something." "No. I think whatever force, being, god, kept Erin in your home and then made her corporeal for real; they must think I am part of it. That's why I was taken here as well." Lucy said. Jack let out a long sigh and then said, "I'm so glad that I called you instead of that Starry guy from Dover." "His real name is Stan and he's a big piece of shit," Lucy said, rolling her eyes. She turned to Erin, asking, "I need to know more about the kiss. Why did you do it?" Erin stayed quiet. She stared at her feet but eventually looked up. "I just felt so overwhelmed when I found myself back in Jack's room." "Overwhelmed?" Lucy repeated. "Yes. Becoming a body again, there were so many emotions. Confusion, love, jealousy, lust." "But you kissed me, right?" Lucy asked, arching an eyebrow. "Nothing forced you to?" Erin buried her head in the hand, going red again. She took a deep breath and said, "No. It was me. I don't know why. I was angry at you but also, I was thankful. Possessing you ;  twice! A feeling lingered." She paused and then added, "I felt you liked it." Hearing this, Jack covered his mouth, muffling a moan. "Hell yeah, I did," Lucy said, "It was like you're reading my mind ;  you probably did. Haven't been kissed like that in ages. No offence Jack." "None taken," Jack said, just whispering. "Maybe that's why I'm here. Let me think," Lucy said again, her tone breathless and weak. She then sat back on the bed, next to Jack. They went quiet. The only sound that filled the room was the creaking of the bed as all three fidgeted. Lucy tightly gripped the sheets, forcing herself to stay still. Erin instead rested her head on Jack's shoulder, running her hand over his chest. He responded by slowly stroking her thigh. The sound of fidgeting disappeared, replaced with heavy breathing. "You should fuck already," Lucy shouted. She looked at them, her face flush and with deep desperation in her eyes. "You sure?" Jack asked. "It will please Frigga," the medium quickly said, "Like you complete the final ritual in the room where Erin died. So, you should do it now. I will just watch. And you should fuck." Jack looked back at Erin; she had this mischievous grin that told him yes. He kissed her, driving his tongue into her mouth, pulling her in. She moaned, her eyes shut, and she trembled as Jack pulled on the dress zipper. She went limped, letting him quickly undress her. Christ, she wanted him. Pulling the straps down, Jack smirked and marveled at his girlfriend's lingerie-clothed body. She wore that sexy lace bra again, and she looked amazing. Immediately, his hands were on her tits, squeezing them through the thin fabric. Erin then swatted his hands away and reached behind, unhooking her bra. He thought he heard Lucy moan, but Jack ignored it. He leaned his head down and gently kissed Erin's tits, his hands caressing her pale flesh. He ran his tongue around her sensitive nipples, teasing her with a quick flick. Erin pushed down on his head as Jack sucked on her tits, moaning and throwing her head back, waiting for more. Jack ignored her and pushed Erin back. He kissed down her body, loving how soft her skin felt on his lips. He stopped when he felt the hairs of her pussy. Pulling her panties down, Erin hadn't shaved anything yet; thin rust-colored strands surrounded her lips. He lowered his head and poked the dewy folds of her pussy with his tongue. Erin cried and covered her mouth. After that night with the s ance, Erin craved the sensation of his tongue driving her pussy wild. She then felt an arm wrapped around her from behind; Lucy. She was hugging Erin; the blonde medium's hands were dangerously closed to her tits. This felt wrong, completely against the teachings of the Church, but Erin didn't care. Over the sounds of Erin's moans, Jack moved his tongue to her clit. Just by giving the engorged bud a couple flicks, Erin cried and shuddered. He stopped and looked up, she was breathing heavily, and her lips were trembling. Also, she and Lucy were in this embrace that looked hot. Jack dropped his head back and kissed her clit as he slid two fingers deep into her wet folds. Erin's eyes bulged. She gasped for air. "More; please more;" Erin cried; she didn't want Jack's attack to stop. Lucy's eyes widened as she carefully watched every movement Jack made with his tongue. A deep heat quickly enveloped her. Her hand dropped from Erin's side and onto her own thigh. The couple was too wrapped up in themselves; they wouldn't notice her, right? Also, they were about to fuck in front of her, she would be well in her right to play with herself. But then Erin shuddered, and Lucy focused her energy on keeping the former spirit steady. "Oh Lord yes," Erin screamed. Her thighs clamped around Jack's head, and she bucked her hips. She let another intense cry and then went rigid. Erin shuddered on the bed as the coming orgasm thundered through her body. Sweet juices dripped from her pussy, and Jack hungrily ran his tongue over her folds, loving the taste. Erin soon stopped trembling and released her grip around his neck, letting Jack up. Erin wiped the drops of sweat on her forehead and then looked at Jack, "I need; you. Please." Jack smirked and slowly started to strip. She didn't want to relax, take a breath or stop sweating. As he fiddled with the buttons, he felt two hands on him. Turning to his right, Lucy stood next to him. She gave him an intense stare, and his mind flicked back to when they were on the sofa together. Erin didn't seem to notice or maybe didn't even care. She had a big smile on her face, giving Jack the thought that if he kissed Lucy, Erin wouldn't mind. Lucy nodded at him and gave him a small smile. She battered his hands away and quickly stripped Jack of his shirt. She ran her hand down his chest, accidentally or not. Jack helped her out by slipping out of his shoes while Lucy played with his buckle. She pulled his jeans down and looked at his bulge, then back up at him. Jack wondered if she was going to touch it or not. But instead, Lucy yanked down his boxer-briefs, joining Erin in moaning at the sight of his erection springing free. She mumbled something at him. Jack heard it as showtime, and Lucy pushed forward on the bed and back into Erin's arms. She pulled him down on top of her and into a long, passionate kiss, their tongues twisting together. Erin spread her legs as Jack centered the tip to her opening. Again, he felt another hand, this time around his shaft. His eyes were close and remained that way, not wanting to know if it was Erin or Lucy who was guiding his cock. It was hotter that way. They all moaned as Jack sank his cock deep into Erin's wonderful pussy. He heard his girlfriend whimper as he was entirely buried in her cunt. She then shocked Jack by raising her hips and wrapping her legs around his waist, constricting him. Something felt different. As Erin's pussy caressed and massaged his shaft, she felt tighter, wetter and a lot hotter. Erin looked up at him, her eyes half open and her lips pursed. She felt the muscles of her pussy ripple around his shaft. Jack hadn't moved, letting his thick cock pulsate in her cunt as she whimpered. Erin needed it; there was an aura around her, desperate and very energetic. She then loosened her grip around his waist and nodded her head, trembling at the first slow thrusts. "yes, yes, yes," she moaned. While they fucked, Lucy laid next to them. She needed to be naked. Pulling on the thin straps of her dress, Lucy stripped down to her underwear. She saw both Jack and Erin turn to her as she exposed her large tits. She gave them a wink and slid a hand underneath her panties, feeling her slick pussy. Having two attractive people fucking right in front of her was making her wet with lust. "Yeah;" Lucy said, rubbing her pussy lips with the palm of her hand. Jack held on to Erin, pinning her arms back and thrust his cock harder. He grunted while she whimpered at every stroke. Erin then threw herself at him, slamming her crotch on his piston-like cock. He then released her hands and went for Erin's shaking perky tits. With his fingers wrapped around her nipples, Jack stabbed his cock in long, sharp thrusts as he pinched "Yes! Yes! Oh Lord; Jesus Christ!" Erin cried. She could feel herself getting stiff and very hot. Her moans were overlapped by Lucy's. She turned her head and saw her friend staring at her, biting her lip and trying not to come. Her panties were gone, and she had two fingers stuck deep in her pussy while also playing with her clit. They were at the same stage. Their eyes stayed glued to one another's as Erin started to shudder. Jack held onto her waist, frantically driving his cock deep into her dripping pussy. Erin alternated from either gasping for air or groaning. Lucy was the same. Her eyes lowered to the blonde's lips, and Erin's mind threw back to when the s ance and how she needed to kiss her. Trembling, Erin pressed her lips against Lucy's full pink lips. The blonde medium moaned and immediately opened her mouth, slipping her tongue past Erin's parted lips. She and Lucy had their eyes closed as they got more into it, and quickly, their soft moans turned to muffled cries, both cumming immediately. "Ah!" Erin and Lucy screamed at each other, the sound dampened by their glued together mouths. Erin broke away from the medium and turned back to Jack. Her pussy spasmed over his pounding cock, while bucking her hips as she thrashed, prolonging her climax. Watching her, Lucy cupped her own tits, tugging her nipples with her free hand while ramming her fingers hard and deep in her cunt. She shuddered then jerked forward, letting a long shriek and writhed on the bed. Coming down, they laid on the mattress, drenched in sweat and panting. Erin looked at Lucy, ignoring her boyfriend and the fact he was plowing his throbbing cock in and out of her pussy. Lucy smiled back, and they kissed again. Their tongues outstretched and twisted together. Jack couldn't hold back anymore. All lesbian action is incredibly erotic, but when it involves someone who you love, it's out of this world, and he came immediately. He tried to warn her, but just a satisfied groan left his lips. Jack then shuddered at each pulse of his cock, his cum filling his gorgeous girlfriend. She wrapped her legs back around him and worked the muscles of her pussy, wanting more cum. His cock stopped twitching, and Jack went weak, struggling to stay upright and not collapse on top of her. He crashed back on his ass and arched his back, looking to the ceiling. The pounding of his heart had gone, replaced by a gentle beat. The same restless came over him. Looking at Erin, seeing his cum leak out of her cunt, he was desperate for another round. Lucy crawled in front of him, gripped his slick cock and said, "Let me clean you up." Her tongue probed his tip, lapping up the cocktail of his cum and Erin's pussy juices. Before Jack could react, Lucy opened her mouth and swallowed his head. She bobbed her head, resurrecting his cock back to life. Making eye contact with Erin, she just smiled; it was okay. Jack looked back down, running his hand through Lucy's hair. The blonde slid her lips up and down his shaft, mouth-fucking Jack with intense, otherworldly pressure. Lucy then ran her tongue up and down his shaft, licking the entire length. Jack stared at Erin, his eyes bulging as the medium drove his cock down her throat, his tip pushing further and deeper. She hummed in delight before releasing her grip, her teeth scraping against his sensitive skin as Lucy pulled her head back. Jack then watched her and Erin exchange looks, Lucy letting her mouth drop and biting her bottom lip. Her eyes widened, and Erin just responded with a nod and a small smile. Lucy gave his cock one last kiss and then crawled up the mattress. She laid on her back, her knees bent and thighs spread open, displaying her shaved crotch and delectable pussy. "You need to fuck her," Erin said, kneeling by Lucy, her face blank. Nodding his head, Jack shuffled forward and rested his hands on Lucy's knees. His cock was painfully hard, pointing directly to the blonde's dripping pussy. With complete ease, Jack slid his cock deep into her. She felt so tight. Just like Erin, Lucy's pussy felt snugger around his cock, also blazing hot and slippery with juices. Jack moved his hips, long deep thrusts while he grunted. He grabbed her legs, holding them together as he pounded Lucy's cunt. "Fuck; Jack; you cock feels so good," Lucy sighed. She moaned again and bit her lip, then rolled her head side to side. Erin was on her knees, in a trance, while she watched them. Lucy could see her friend's pussy, wet and needed to be kissed. They had kissed before; this is just a natural progression. Lucy reached up and pulled Erin's hand away from massaging her tits. "Get on top of me," she said in a whisper. Erin trembled at her touch, and Lucy needed to repeat herself before she understood what to do. She nodded her head and swung her legs over Lucy's head. She looked to the sky, ignoring Jack and lowered her crotch down. She shook and yelped, a very high pitch cry as her pussy touched Lucy's already parted lips and her extended tongue. It wasn't that wrong to have another woman feel her. Lowering her head, Erin made eye contact with her boyfriend and said, "Jack; she's licking my pussy!" She writhed and grounded her crotch on Lucy's mouth. The blonde kissed her throbbing lips, making her twitch with delight. Erin then felt Lucy grab onto her thighs and push her powerful tongue deep inside her pussy, her juices coating the medium's face. Erin moaned again; this felt different from Jack eating her out, a lot more wicked. Her hands reached, and she lewdly pinched on her erect nipples, moaning with a jolt of pain. Jack still held onto Lucy's legs, furiously pumping his cock as he watched Erin go crazy with lust. His eyes stayed glued on Erin, watching her squirm and whimper. He imagined what Lucy was doing to his girlfriend, exploring Erin's dripping pussy with her tongue, moaning at the taste of her hot, sweet juices. It overwhelmed Jack, and he slammed fuck the medium. Erin couldn't take it anymore. As Lucy thrust her tongue deep inside Erin's pussy, she felt something brush against her sensitive clit. That was it for Erin. She arched her back and then spasmed, wailing a scream of pure ecstasy. She could hear Lucy moan, maybe begging for more. Erin grinded her cunt against Lucy's rolling tongue, riding out her climax until she finally stopped, collapsing against the headboard. With Erin off her, Lucy gasped for air. Her face was wet with slick pussy cum. She made eyes with Jack, who had let go of her legs and was just staring back at her with a piercing look. He dropped down and licked his girlfriend's juices off her. Lucy felt his hands on her large tits, kneading them as he pounded her cunt. He then planted his lips on her neck, kissing up to Lucy's ear lobe. She shuddered as she felt Jack's breath ag

JD sits down with Ben Azam, founder of TRUKD, to talk through how a personal need for a cleaner camp setup turned into a Pittsburgh-built, modular truck bed rack system. They get into real-world fitment quirks (tonneau covers, different bed shapes, and why nothing is truly “standard”), materials and finish choices (stainless vs. aluminum, powder coat, and hardware), and what it actually feels like to scale a product company without losing your mind. Along the way, they swap trail-and-travel stories—Holy Cross plans, Sedona tire fixes, Starlink “just in case” moments, and why paper MVUM/BLM maps still earn a spot in the glovebox.TRUKD (T-R-U-K-D)

Our final episode of 2025 delves into first-half chaos, much-needed rest for the Independent teams, Holy Cross and Bentley duking it out, Trey Augustine leveling up during Big Ten play, Josh Kotai anchoring Augustana, ECAC teams in the at-large picture, UNH surging, and North Dakota's Jan Špunar making school history. Plus, World Juniors, Spengler Cup, and what Schloss is hearing about midseason roster additions.

Fr. Matthew Hincks is a priest with the Order of Canons Regular of the Holy Cross in the diocese of Steubenville, Ohio and is our guest on this episode. One of the ministries of the Canons Regular is Opus Angelorum or Work of the Angels, which is the topic of our discussion with Fr. Matthew. In particular, Father talks about our guardian angels and sports. In this episode you will find answers to the following questions: ·       Was Fr. Hincks involved in sports? ·       Can participation in sports help my spiritual life? ·       Are there any commonalities between sports and my spiritual life? Is it important           to have a plan for both? ·       What is Opus Angelorum and how did it start? ·       What is a stigmata and what does it mean when a person receives it? ·       Is it possible to know and have a relationship with my guardian angel? ·       What can my guardian angel do for me? ·       Can I give my guardian angel a name? ·       In 1 Corinthians 9:23-27, St. Paul compares his ministry to athletics. What games          might he be referring to? ·       How can Opus Angelorum help me learn about my guardian angel? ·       Is it possible to consecrate myself to my guardian angel? ·       Why is it important to have a relationship with my guardian angel and the angels           in general, now, in this life?   Opus Sanctorum Angelorum - Work of the Holy Angels Order of Canons Regular of the Holy Cross Isthmian Games - Wikipedia   #catholicsports, #opusangelorum, #workoftheangels, #guardianangel

A 14er AND a Centennial? Say Hello to Mt of the Holy Cross, Holy Cross Ridge and Halo Ridge, where the guys review their epic (and apparently unique) journey around the northern Sawatch!

Dartmouth vs. Holy Cross NCAAB Betting Odds & Picks, 12/16/25 | Night Moves Show by Ramon and D'Andre.

Kevin Driscoll is currently the Director of Real Hoops and has spent the last 25 years coaching or playing basketball at the high school & college level including 10 years as a Division 1 assistant coach. In his role at Real Hoops Driscoll is a recruiting advisor, exposure camp operator & film study coach. Driscoll previously spent 4 years as a men's basketball assistant coach at Marist College from 2018-2022 and also served as assistant coach at Loyola University Maryland of the Patriot League in 2017-18 season. He was an assistant coach at New Jersey Institute of Technology (NJIT) in 2016-17, and was an assistant at Holy Cross from 2013-16. Driscoll has four years of experience as a Director of Hoop Group Elite Camp and began his coaching career with three years as an assistant at Albright College from 2006-2009.Driscoll began his coaching career as the head boys' basketball coach at his alma mater, Hamburg (Pennsylvania) High School, from 2004-06.As a player, Driscoll was a four-year letterwinner at Misericordia University, helping the Cougars to a pair of ECAC Division III Postseason Tournament appearances.On this episode Mike & Kevin discuss the intricacies of basketball recruitment and the invaluable role of personalized coaching in the development of aspiring players. We explore the necessity of individualized film analysis to enhance player performance and how a structured approach to player development, rooted in the fundamentals of the game, can significantly elevate a player's prospects for collegiate basketball. He also underscores the importance of fostering relationships with coaches, both at the high school and collegiate levels, to navigate the complexities of the recruitment process effectively. Through Driscoll's insights, we gain an understanding of the current landscape of basketball recruitment and the critical elements that contribute to a successful transition from high school to college basketball.Follow us on Twitter and Instagram @hoopheadspod for the latest updates on episodes, guests, and events from the Hoop Heads Pod.Make sure you're subscribed to the Hoop Heads Pod on Apple Podcasts or wherever you get your podcasts and while you're there please leave us a 5 star rating and review. Your ratings help your friends and coaching colleagues find the show. If you really love what you're hearing recommend the Hoop Heads Pod to someone and get them to join you as a part of Hoop Heads Nation.Be sure to take a few notes as you listen to this episode with Kevin Driscoll, Director of Real Hoops.Website - https://www.real-hoops.com/Email - kevin@real-hoops.comTwitter/X - @_KevinDriscollVisit our Sponsors!Dr. Dish BasketballA Perfect Gift To Your Team for the Holidays! Score Big on Dr. Dish Basketball's End of Year Sale and give your team the gift of extra, more efficient reps this season!

It's a busy time in the hockey world, and Brad Schlossman (Grand Forks Herald) and Jayson Hajdu (College Hockey Today) return to break it all down, including Lindenwood's opportunity to climb the NPI, the rise of Jack Stockfish at Holy Cross, Wisconsin's best start in 20 years, a fascinating CCHA race, Hayden Stavroff's absurd start for Dartmouth, UNH's Border Battle sweep, and North Dakota's strong first half. Plus, more World Junior talk and Ty Murchison's NHL debut. CHN article on Jack Stockfish "From Backyard to Spengler Cup" https://www.collegehockeynews.com/news/2025/12/10_From-Backyard-to-Spengler.php Follow Brad Schlossman on X (@SchlossmanGF) and Bluesky (@schlossmangf.bsky.social) Follow the Grand Forks Herald on X (@GFHerald) Follow College Hockey Inc. on X (@collegehockey), Bluesky (@collegehockey), Threads (@collegehockeyinc) and Instagram (@collegehockeyinc) Email the show at info@collegehockeyinc.com!

Why do people delight in making other people miserable online? Dr. Roy Salgado from the University of Holy Cross returns to the show to explain the science behind the trolling

It is a simple podcast today as there are over 100 college basketball games on Saturday and Greg picks & analyzes EVERY one of them!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos:  https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:36-Start of picks Duke vs Michigan St5:57-Picks & analysis for Iowa St vs Purdue8:00-Picks & analysis for Dayton vs Virginia 10:20-Picks & analysis for Rhode Island vs Providence 12:45-Picks & analysis for Monmouth vs Georgia Tech15:12-Picks & analysis for Southern Miss vs Miami 17:26-Picks & analysis for Old Dominion vs Richmond19:39-Picks & analysis for Utah Valley vs Bowling Green21:55-Picks & analysis for Boise St vs Butler24:02-Picks & analysis for Detroit vs Cleveland St26:22-Picks & analysis for Ohio St vs Northwestern28:43Picks & analysis for Stony Brook vs Duquesne31:07Picks & analysis for Western Michigan vs SIU Edwardsville33:47-Picks & analysis for Youngstown St vs IU Indy36:05-Picks & analysis for Louisville vs Indiana38:13-Picks & analysis for Marquette vs Wisconsin40:17-Picks & analysis for St. Bonaventure vs Buffalo42:28-Picks & analysis for Northern Kentucky vs Fort Wayne44:40-Picks & analysis for Harvard vs Furan46:33-Picks & analysis for Princeton vs Loyola Chicago48:35-Picks & analysis for Missouri St vs Tulsa51:05-Picks & analysis for George Mason vs Virginia Tech53:17-Picks & analysis for Idaho vs South Dakota St55:33-Picks & analysis for Toledo vs Oakland57:54-Picks & analysis for NC Wilmington vs Louisiana1:00:13-Picks & analysis for Marshall vs Ohio1:02:14-Picks & analysis for Seton Hall vs Kansas St1:04:12-Picks & analysis for Dartmouth vs Wyoming1:06:21-Picks & analysis for Evansville vs Western Kentucky1:08:30-Picks & analysis for Akron vs Tulane1:10:30-Picks & analysis for Maryland vs Iowa1:12:45-Picks & analysis for Fresno St vs Arkansas1:14:58-Picks & analysis for NC Greensboro vs East Carolina1:17:14-Picks & analysis for Elon vs Wofford1:19:12-Picks & analysis for Rutgers vs Michigan1:21:14-Picks & analysis for New Mexico St vs Abilene Christian1:23:29-Picks & analysis for SE Missouri vs Chattanooga1:25:38-Picks & analysis for Baylor vs Memphis1:27:50-Picks & analysis for Southern Utah vs Oregon St1:28:48-Picks & analysis for Colorado vs Colorado St1:32:08-Picks & analysis for Kansas City vs Eastern Washington1:34:16-Picks & analysis for Omaha vs Portland St1:36:28-Picks & analysis for Pacific vs California1:38:50-Picks & analysis for Denver vs Idaho St1:40:51-Picks & analysis for William & Mary vs George Washington1:43:07-Picks & analysis for Washington vs USC1:45:23-Picks & analysis for Wake Forest vs West Virginia1:47:33-Picks & analysis for Oregon vs UCLA1:49:44-Picks & analysis for UC Riverside vs Cal Poly1:51:47-Picks & analysis for Cal Baptist vs Utah1:54:00-Picks & analysis for Oklahoma St vs Grand Canyon1:56:32-Picks & analysis for Northern Arizona vs North Dakota St1:58:52-Picks & analysis for Robert Morris vs UW Milwaukee2:00:53-Picks & analysis for Northern Illinois vs Bradley2:03:33-Picks & analysis for Ole Miss vs St. John's2:05:38-Picks & analysis for Wichita St vs Northern Iowa2:07:48-Picks & analysis for South Dakota vs Northern Colorado2:10:02-Picks & analysis for Lindenwood vs Eastern Illinois2:12:16-Picks & analysis for Montana vs North Dakota2:14:11-Picks & analysis for Florida St vs Houston2:16:45-Picks & analysis for Montana St vs Oral Roberts2:19:19-Picks & analysis for Illinois vs Tennessee2:21:52-Picks & analysis for Arkansas St vs Little Rock2:24:01-Picks & analysis for UC San Diego vs Long Beach St2:26:14-Picks & analysis for Santa Clara vs New Mexico2:28:37-Picks & analysis for CS Bakersfield vs UC Santa Barbara2:30:59-Picks & analysis for Oklahoma vs Arizona St2:33:04-Picks & analysis for CS Northridge vs UC Irvine2:35:03-Picks & analysis for Auburn vs Arizona2:37:57-Picks & analysis for CS Fullerton vs Hawaii2:39:50-Picks & analysis for Drexel vs La Salle2:42:05-Picks & analysis for Temple vs St. Joseph's2:44:11-Picks & analysis for Villanova vs Pennsylvania2:46:33-Picks & analysis for Georgia St vs Kennesaw St2:48:40-Picks & analysis for Weber St vs St. Thomas2:53:17-Start of Extra Games UMBC vs Bucknell2:55:23-Picks & analysis for New Haven vs Boston College2:57:18-Picks & analysis for NC Asheville vs NC State2:59:18-Picks & analysis for Maine vs Miami OH3:01:02-Picks & analysis for Norfolk St vs James Madison3:03:08-Picks & analysis for Tennessee Tech vs West Georgia3:05:03-Picks & analysis for Morehead St vs Presbyterian3:07:08-Picks & analysis for Jacksonville vs FL International3:09:26-Picks & analysis for Georgia Southern vs Gardner Webb3:11:28-Picks & analysis for Coast Carolina vs Winthrop3:13:24-Picks & analysis for MD East Shore vs American3:15:25-Picks & analysis for Delaware vs Delaware St3:17:46-Picks & analysis for Holy Cross vs Fordham3:19:59-Picks & analysis for Stetson vs South Carolina3:22:10-Picks & analysis for Coppin St vs LIberty3:24:22-Picks & analysis for Long Island vs Lehigh3:26:22-Picks & analysis for Western Carolina vs USC Upstate3:28:33-Picks & analysis for Bellarmine vs Murray St3:30:34-Picks & analysis for Incarnate Word vs Nicholls3:32:54-Picks & analysis for Le Moyne vs Binghamton3:35:04-Picks & analysis for North Carolina A&T vs NC Central3:37:40-Picks & analysis for Longwood vs Morgan St3:39:49-Picks & analysis for UMass Lowell vs Massachusetts3:42:10-Picks & analysis for Sam Houston vs Texas Southern3:44:41-Picks & analysis for Vermont vs Pepperdine3:46:37-Picks & analysis for Albany vs Columbia3:48:52-Picks & analysis for Houston Christian vs New Orleans3:51:15-Picks & analysis for Texas A&M CC vs Lamar3:53:54-Picks & analysis for Boston U vs New Hampshire3:57:35-Picks & analysis for Chicago St vs Illinois St4:00:25-Picks & analysis for Ark Pine Bluff vs DePaul Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How do the people of Holy Cross Lutheran Church in O'Fallon, Missouri serve the community around them? The Rev. Jason Kohm (Associate Pastor, Holy Cross Lutheran Church, O'Fallon, MO) and Charity Smith, DCE (Director of Christian Education, Holy Cross Lutheran Church, O'Fallon, MO) join Andy and Sarah as our Church of the Week to talk about the community of O'Fallon, how Holy Cross Lutheran Church is a part of the O'Fallon community, the special events happening at Holy Cross this Advent and Christmas season, and how visitors can find Holy Cross. Learn more at hcross.com. As you grab your morning coffee (and pastry, let's be honest), join hosts Andy Bates and Sarah Gulseth as they bring you stories of the intersection of Lutheran life and a secular world. Catch real-life stories of mercy work of the LCMS and partners, updates from missionaries across the ocean, and practical talk about how to live boldly Lutheran. Have a topic you'd like to hear about on The Coffee Hour? Contact us at: listener@kfuo.org.

In this week's basketball coaching conversation, Basketball Immersion founder Chris Oliver joins the Basketball Podcast to reflect on 400 episodes of the podcast. The Basketball Podcast, hosted by Chris Oliver, has reached an incredible milestone: 400 episodes since its launch on May 28, 2018. Listened to by coaches at every level — from NBA head coaches to youth coaches — and in more than 85 countries worldwide, the show has become a trusted source of evidence‑based insights, practical strategies, and thought‑provoking conversations that shape the way the game is taught and played.In this special episode, Chris reflects on the journey by sharing memorable quotes and key takeaways from many of the guests who have helped define the podcast's legacy. The very first guest, Dave Paulsen (now head coach at Holy Cross), set the tone with a line that continues to resonate: “The game has to look like our practice, and not their practice.” That philosophy — making practice representative of the game — has guided countless coaches and remains a cornerstone of the show's mission.Whether you've tuned in for one episode or all 400, this celebration is a thank‑you to the global coaching community for learning, growing, and sharing the game together.

As millions of Americans hit the road to visit family for Thanksgiving, many will pass through, or return to, rural communities. Nearly 60 million Americans live in these areas, yet many struggle to access even basic healthcare as rural hospitals close at record rates.Dr. Jennifer Schneider, co-founder and CEO of Homeward Health, is tackling this crisis head-on by reimagining how care is delivered to Medicare Advantage members in rural America. Drawing on her experiences as a physician, a patient with Type 1 diabetes, and the former president of Livongo, Jenny shares why rural healthcare is both a massive challenge and an untapped opportunity.We cover:

This week's Wealth Formula Podcast is about the economics of sports—if you are a sports fan like me, you will love it. But before we get to that, I want to give you my two cents on one of the most important elements to financial success in anything: conviction. As I write this, Bitcoin sold off from a high of $126K to under $90K. Other cryptos have lost 50-90 percent of their value in the same time. It's been called a blood bath. Some are even saying it’s over for Bitcoin. I might even believe them if I hadn't seen the same story at least 5 times before over the past decade. True bitcoiners have tremendous belief in what bitcoin means to the world. Someone who bought $1,000 of Bitcoin in 2010 and simply refused to sell would now be sitting on hundreds of millions of dollars. That is the reward for true conviction. The irony of this bitcoin cycle is that many of those individuals with high conviction are finally cashing in on the fruit of their patience. Almost every day, another wallet that hasn't been active since 2011 is selling off a billion dollars into the market into the hands of Wall Street and governments. That's why prices are tumbling. But don't be fooled into thinking that these buyers are the dumb money holding the bag. The story does not end here. Nor is the Bitcoin story a one-off either. History repeats itself as the story of investments unfolds over time. In December 1999, Amazon stock traded at $106. After the dot-com crash, it fell to $5.97. Every talking head had a eulogy written for the company. But if you were crazy enough to hold through the storm, your conviction paid off spectacularly: $10,000 invested in Amazon in 2001 is worth over $20 million today. Now, moving on to the topics of sports. One of my favorite examples of conviction is from 1920, when George Halas bought the Chicago Bears franchise for $100. The Halas family could've “taken profits” countless times. They lived through multiple depressions, a world war, a dozen recessions, five or six league restructurings, labor disputes, player strikes, and decades of bad seasons. Anybody else would've bailed. But they didn't, and today, the Chicago Bears are valued at over $6.3 billion. These stories have different time periods and different industries, but they all teach the same lesson: Conviction is one of the most profitable assets you can own. That's the message I want to leave you before we move into a perhaps more entertaining topic: the economics of professional sports. Most people think of sports in terms of touchdowns, rivalries, and Super Bowl rings. But the truth is… professional sports is one of the greatest wealth-creation machines in American history. Few people understand those engines better than our guest this week. He's one of the clearest, most respected voices in sports economics today, and he's going to break it all down for us: salary caps, streaming deals, and team valuations. If you are a sports fan, you are going to love this week's episode of Wealth Formula Podcast! Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Donald Trump pretty much bankrupted the USFL by saying we’re gonna go head to head, uh, with the NFL instead of trying to build a a Spring Sports League. Welcome everybody. This is Buck Joffrey with the Wealth Formula podcast. Happy, uh, Thanksgiving week, uh, and uh, this week because it is a holiday week in, you know, football and all that kind of stuff that goes along with it. We’re gonna talk. About the economics of sports. And if you’re a sports fan like me, you’re gonna really like this. I really had fun with this interview actually. It was just like me asking a bunch of questions I always had. But anyway, before we get to that, I want to give you my 2 cents. One of the most important elements that I think there is give financial success in anything, and that is conviction. And I bring this up to you in part because Bitcoin sold off. Um, and well at least all the time, I’m recording this from a high of 126,000 and then it, it plunged actually below 90,000. And then of course, there were other cryptos that lost 50 to 90% of their value in the same time. Uh, yeah, it was a bit of a bloodbath. It’s been called a bloodbath and it is a blood bath. And of course, there are some who are declaring Bitcoin dead Again. Um, and you know what? I might even believe them if I hadn’t seen, uh, the same story, at least I’d say, I don’t know, maybe four or five times over the past I, eight years, nine years, whatever. True Bitcoiners though, have a tremendous belief in what Bitcoin means to the world and where this is headed. And some of them, well before I ever got in, right? I mean. That serious conviction because, you know, the people who were buying, you know, back in 2012, 13, I mean, this was completely outta nowhere, had no one’s, uh, no one’s support, nothing. In fact, in 2010, uh, you know, if, if you bought Bitcoin back then simply refuse to sell up until now, um, say you bought a thousand dollars of Bitcoin. You’d be sitting on hundreds of millions of dollars of Bitcoin, right? That’s the reward for true conviction. And those people, frankly deserve it. Because can you imagine if you just bought a thousand bucks or something and it was already up to a million, it was already up to 10 million and all the way up to 20 million, you still didn’t sell. I mean, I don’t even know if I could, I don’t know if I could do that. I don’t think I could. I mean, at some point I would be like, take the money and run. Right. Um. You know, it’s a funny thing though. The irony of this Bitcoin cycle that we have right now is that many of those individuals with, you know, super high conviction, um, the ones that were in way before any of us and before me, well, they’re actually, a lot of them are actually cashing out sort of the fruit of their patients. Right. Almost every day right now, you’re seeing a another wallet that’s been dormant since like 2011. And all of a sudden it sells. It’s something that has done nothing, but just sit there in storage, selling off a billion dollars into the market, probably, you know, started out as like 10 grand. Right? And where’s that money going? It’s going to the hands of Wall Street’s, going in the hands of, uh, governments. That’s actually the ironic part here. That’s why prices are tumbling. Because I think people are saying, well, gosh, we’re at a hundred grand. I’m sitting on hundreds of millions of dollars. I’m sitting on a billion dollars. Uh, I think it’s time to get out, right? But don’t be fooled, in my opinion, to think that these buyers are, uh, you know, they’re the dumb people holding the bag. I mean the, the people holding the bag, it’s Wall Street, right? They’re governments and reserves. And, uh, you know, big treasury companies, the story doesn’t end here. And the other thing is that Bitcoin story is not a one-off in history at all, right? In fact, you know, it, Bitcoin gets a lot of attention. But you even look at something like Amazon, right? December, 1999, Amazon stock trading at $106. Then the.com crash comes, and guess what? It fell down to $5 and 97 cents. That’s a Bitcoin like crash, right? And every talking had a eulogy written for the company. And if you were crazy enough to hold through that storm, your conviction paid off spectacularly. If you had $10,000 invested in Amazon in 2001, it’s worth over $20 million today. So anyway, that’s the point I have though. You know, it’s, the point is about conviction. Uh, and, and I’m not saying that you should just be dumb, buy something and be dumb about it, but especially on these asymmetric things where you think something could be really big, give yourself a time, a period, right? I mean. The only thing other than Bitcoin that I think I, I’m really interested in, in the crypto space is something called Solana. Solana is down like 50% from its ties, and I still think that, you know, when the dust settles, I think this is going to be something that’s gonna pay, pay off. Now if I were to watch it day by day, uh. It’s demoralizing, right? But, but I think the point is, if you have some conviction in something, give it some time. You know, say, I’m gonna watch this for at least five years if I can, if I don’t absolutely get into a situation where I need that money, which hopefully you don’t, because this is not where that kind of money belongs. Right? But give it some time and don’t look, there’s lots of noise, and, and, and then just give it some time and see what happens. Right? Now speaking of giving it some time, you know, a similar story in the sports arena in 1920, George Halas, I think it was Papa Bear, right? George Papa Bear. Halas bought the Chicago Bears franchise for a hundred bucks. Yep, a hundred bucks. Now the Halas family could have taken profits countless times, and they lived through lots of, uh, bad times. Depressions, uh, you know, world War, uh, a dozen recessions, five or six, uh, league restructurings, labor disputes, player strikes, decades of bad seasons. And maybe anybody else would’ve billed at some point if they’d made, you know, millions of dollars from the a hundred bucks. But they didn’t. And the Chicago Bears, as much as I don’t like the Chicago Bears, are valued over $6.3 billion. Now these stories, ultimately, they’re, you know, different time periods, different industries, but same lesson conviction, it’s one of the most profitable assets you can own or attributes at least. Maybe it’s not an asset, I don’t know. That’s a message I wanna leave you before we get into the topic of today, which is the economics of professional sports. Now, most people think of sports in terms of touchdowns, rivalries, super Bowl rings, all that kind of thing. But the truth is professional sports is one of the greatest wealth creation machines in American history, and few people understand those engines better than our guest this week. He’s one of the clearest, most respected voices of sports economics today. And he is gonna break it all down for us. We talk salary caps, streaming deals, team valuations. We talk about the Green Bay Packers and why they’re owned by the city of Green Bay instead of owners. All that kind of stuff that you might have wondered about but you never really knew. So if you’re a sports fan, enjoy it and happy Thanksgiving. We’ll have that interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today. My guest on Wealth Formula podcast is, uh, Dr. Victor Matheson, professor of Economics and Accounting at College of Holy Cross. He’s a leading authority on sports economics, studying everything from the financial impact of mega events like the Olympics and World Cup, to the inner workings of professional sports leagues, lotteries, and public finance. Uh, welcome to the show. How are you? Well, thanks for having me. Great. Always happy to talk some sports economics. Oh gosh, this is interesting. I’m a huge, uh, I’m a huge sports fan, especially NFL and, uh, so, you know, instead of talking personal finance, you know, without, uh, without any, uh, uh, sports in it, this is definitely a, uh, welcome for me. So, um, well, vigor, let’s start, start with this, you know, um. Most of us who are big sports fans, you know, we’re really driven by the idea of the, the, you know, the, the emotion, the entertainment. Taking a step back from your perspective, how should we look at this whole ecosystem of sports as an economic system? Well, uh, first of all, it’s. It’s both bigger and smaller than, uh, than you would imagine. So if we think of the NFL, the NFL ha generat more revenue than any, uh, sports league in the world. Uh, this year it’ll come in somewhere around 22 ish billion dollars. Uh, that certainly seems like a lot of money. On the other hand, a Sherwin Williams paint store comes in at about that same sort of, uh, revenue, you know. On many podcasts talking about talking about paint, right? Um, if we talk worldwide, all the sports leagues all put together, uh, we’re talking about maybe a hundred billion or so, maybe 120 billion, roughly the same size as Johnson and Johnson. So, uh, you know, it’s a big industry. It’s a, you know, billions in with a B, but it’s also a tiny percentage of, of the total amount of economic. Being generated every year, and, and so we can easily get, uh, um, we can easily get ahead of ourselves and say, well, you know, uh, it’s the biggest company in the world, the NFL, it’s, it’s not even 500. Interesting. Um, so let’s talk a little bit about this, um, uh, how value is created in these leagues. So, so, you know, you said professional leagues are built on the economics of controlled scarcity. So talk a little bit about that, if you would, how this scarcity model drives value and, and, and protects, uh, uh, profitability. Right. So let’s compare, you know, let’s compare a Walmart. To the NFL, right? Uh, so Walmart takes a look at all these potential places that you could put a Walmart and they say, oh, this would be a good one. And a Walmart goes in. And now that Walmart’s generating economic impact and generating revenues for the, for the. For the company and all these sort of things. Now let’s look at the NFL, right? Uh, the NFL does the same thing. They said, Hey, uh, let’s look at Las Vegas. Would that be a good place for a, for a team? Uh, is is London gonna be a good place for a team? Uh, and they look at those. Uh, but here’s the deal. If Walmart looks at 50 places and says, Hey, these 35 would be good places. They’re not gonna just pick the best one for a franchise. They’re gonna put. Walmart’s in all of those, right? Uh, the NFL on the other hand, very specifically saying, you know, we actually don’t wanna put an NFL franchise in every place that we could, uh, make a profit in because we want to be in the, in a world where there are fewer NFL franchises than there are cities that want them, and that generates demand for this. Um, Walmart can’t do that because if Walmart doesn’t put in a franchise somewhere, uh, you know, Target’s gonna come in instead. Uh, that’s not gonna happen in the NFL, uh, because there’s no other competitor to that. So they can actually restrict the number of franchises they have, which means that every franchise is selling at a, a super premium price. These are, you know, at the lowest end, we’re talking five, six, $7 billion franchises. Now, uh, they could sell multiple new expansion franchises, but they choose not to. To maximize the value of those existing franchises. It’s been a while actually since the NFL expanded, um, the league. And I’m curious, what are, you know, what is it that drives them ultimately to do that? I mean, again, you just mentioned there’s this whole scarcity issue. I mean, what do you think are sort of the limitations or sort of the. You know, the, the, the points at which they say, well, gosh, maybe we do move to London, or maybe we do that. Like, do you have a sense of that? Yeah. So a couple things they wanna do. So first of all, one of the big things that all of the leagues in the United States have done is they want to be a big enough league to make sure that they cover all of the good spots or most of the good spots for a team. You don’t wanna leave enough good team locations that a rival league could come and start to challenge you. Right? So thinking back to the 1950s, uh, one of the most important sports leagues ever to come about in the United States. Actually never even existed. And this league is what was called the Continental League. And the Continental League in the 1950s arose as a challenger to major league baseball. Major League baseball in the 1950s was exactly the same size as it was in 1901. It was 16 teams. But the United States had grown immensely and the league had started to move, you know, the Dodgers to LA and the Giants to San Francisco, but you still had huge amounts of the country uncovered by baseball. And so this Continental League came about as an idea saying, you know what? We can take on Major League Baseball by putting franchises in places that it doesn’t exist. They said, oh, here’s our new eight league team. And the way Major League Baseball responded to that is before continental baseball could even start, uh, start existing, it said, oh yeah, well we’re gonna put a team in Minneapolis. We’re gonna put a team in Houston. We’re gonna put teams in these Lee in these cities that the Continental Baseball Association was gonna go into. And therefore, uh, continental baseball never got into existence because Major League Baseball expanded into those locations and everyone has taken that, that hit. You need to be big enough to make sure that every place with a, a good chance at having a team, or at least most of them, uh, are covered so that there’s 8, 10, 12 cities out there, uh, a big enough footprint that you could have your own new league. Uh, do that. So, I mean, if you look at the NHL, if you look at NBA major league baseball, NFL, all about 30 teams. There’s about 30 or a few more big cities. But what’s very important is there’s not 10 or 12 big cities out there, uh, without NFL teams, without football teams that. A rival league could move into that space. You know, I’m curious when you, you brought up that Continental league in baseball. It reminds me when I was a kid of, uh, the United States football, like the USFL and all, they got all these, uh, players, like I remember Herschel Walker started there and, and there was a number of actually guys who ended up in the NFL and being big stars there. So they, they definitely, uh, started out pretty strong. What went wrong for the USFL? It’s so funny you say that. Uh, the answer is actually one big, uh, name. It’s actually Donald Trump. Yeah. So, so what USFL did is, is they noticed that their niche was, um, was the spring, right? We play college football, we pay play high school football, and we play the NFL in the fall, which means that, uh, people out there in the spring, there’s no football out there to be had. The USFL said, you know, we could move into this market. So first of all, we’re gonna move into the spring where there’s not a rival. Second of all, we’re gonna take at least some cities where there’s not active, um, football teams either places like Birmingham, right? Uh, so any case, uh, what happened there is the USFL. Kind of got a little, its ego kind of got ahead of itself and it said, Hey, now that we’ve established ourselves in the spring, we do have some big stars like, uh, uh, Herschel Walker, like Doug Flutie, uh, some of these others. We’re gonna try to take the, uh, take the NFL on, uh, head to head and we’re gonna move from the spring to the fall. And the other thing they did that was very important is they filed a lawsuit against, uh, the NFL, saying that the NFL was engaging in antitrust activity that was keeping this rival league down. It was, uh, keeping them off TV by using their market power with some of the broadcasters. It was using its market power with stadiums to keep these teams out. And so they took him to court, and I think the, the hope was that there would have to be a settlement and that settlement would result in the USFL merging with the NFL. And the owners of the big teams in the USFL would kind of get a backdoor into the NFL this way. As it turns out, the court, in fact did find in favor of the USFL. Uh, they said yes, the NFL is engaging in illegal antitrust activity, but they also said. You guys are insane. Uh, going against the NFL in the fall, there was no way you’re gonna make it. So even though the NFL was found guilty, the jury only awarded $1 of damages. Uh, technically in antitrust cases, that’s tripled. So they actually were awarded $3 in damages and the league basically folded the next day. They won their lawsuit, but they folded the next day. But of course, the owner that had most. Most importantly pushed the league to go head to head against the NFL was the owner of the new, uh, New Jersey team, the Generals New Jersey Generals. Right? And it was Donald J. Trump. Donald Trump. Uh, so Donald Trump pretty much bankrupted the USFL. By, uh, by saying we’re gonna go head to head, uh, with the NFL instead of trying to build a, a Spring Sports League. Now, to be fair to Donald Trump, which I don’t necessarily want to be, but to be fair to him, um, there’s no guarantee that the USFL would’ve made it as a spring league either, but I think anyone, again, a jury looking at this said there was just no chance of that league, uh, surviving against, uh, the NFL. If you try to go head to head in the poll. Just, just outta curiosity, uh, you know, there, when you talk about Trump, I know like he’s had an interest in, you know, professional football teams for a long time where he did, at least, there’s a certain politics that goes into buying an NFL team as well, right? Right. So the NFL is a partnership. Yeah. Which means that they can choose who they decide to partner with. And, uh, the presumption was, uh, in the 1980s when Donald Trump was trying to become an NFL owner that Donald Trump, uh, neither had the money, nor had the friendships among other NFL player, uh, NFL owners, uh, to get into that very exclusive club. And so again, he was able to get into the USFL because it was a much lower buy-in, in terms of, of cost. The USFL owners couldn’t be as picky about who they wanted as fellow partners, and again, I think Donald Trump saw the USFL as a way to potentially get into the NFL through the back door through this lawsuit, and, and by moving directly in the, in the fall because the jury just didn’t find that, that there was any plan. By which the USFL teams could have ever become profitable, uh, going head to head in the fall against the NFL. Let’s talk a little bit about sort of valuations, because what’s interesting is, you know, you’ve talked about scarcity and, you know, the way that the leagues have manipulated, uh, that to make sure that there, you know, the values continue to grow, but at some point in the last 30, 40 years, the numbers just really skyrocketed, right? Where these football teams, you know. It wasn’t a straight line in terms of how much they were worth. What, what went into that massive inflection of, uh, of, of valuation? So, first of all, I think you’re exactly right. There has been this massive inflection. Uh, so I’ve been teaching sports economics since the 1990s and, and the 1990s were kind of at the end of an era where this was really one of the sames back in the seventies, eighties, and even as late as the early nineties, that if you wanna become a millionaire. Start out a multimillionaire and then buy a sports team because it was a, it was just a, uh, a dumpster fire that you could just burn up cash without any hope of any sort of real return. And that changed in probably the late eighties, early nineties. That really changed, uh, a couple things. Change that, uh, first of all. By the nineties and certainly by the two thousands, um, most of the big professional sports in the United States had solved lots of their labor relation problems with the, with the athletes. So there was always this question about, uh, you know, do athletes have the ability to bargain with other teams? Are they able to get free agent, uh, agency, are teams going to be constantly fighting and, and spending every dollar that they can down to the point of bankruptcy to buy that superstar team? And what happened again in the nineties, starting in the eighties through the nineties and the two thousands is pretty much leagues have, uh, agreed to a world where. We’re gonna limit the amount of spending, uh, that we’re gonna do on players so that we’re not all bankrupting each other, bidding for players. In order to get the players to go along with that, we come to an agreement that we’re gonna share basically half the money with the players. And that’s exactly how the NHL works, the NBA works and the NFL works. Major League Baseball is not like that yet. And we may see not this season, but the next one, um, them trying to finally join ranks with the other, uh, with the other leagues. Uh, the question is whether we’re gonna see that happen without a gigantic, uh, work stoppage that. You know, some people who are pessimistic think we’re, we may not have baseball at all in 2027. 2026 is fine, but 20, 27 may, may fall. So as soon as like your costs are all covered up, that you know that everyone is kind of playing on a level playing field. Once we know that we don’t have to worry about bankrupting ourselves. We are only paying players, what we’re bringing in as revenue. All of a sudden, this is a fairly safe investment in a way that it never was prior to, you know, this all dying down. Couple other things going on here as well is, of course, the country’s gotten bigger. We have gotten bigger, but without adding additional, many additional franchises, which means, uh, those, those tickets are becoming increasingly expensive. We’ve gotten richer in a, in a skewed fashion, so that, uh, that of course the rich have gotten richer, a lot faster than the poor have. But of course, going to a baseball game, especially with those luxury boxes and things like this, is, uh, an activity that is reserved for the wealthy. And as the wealthy have gotten more, uh, uh, have gotten, you know, increasingly rich, uh, that means that. You know, businesses like Major League Baseball in the NFL that cater to the upper class, uh, do disproportionately well. And the last thing, and I’m sure you’ve talked about, uh, this before, is on your show, obviously you can have, um, you can have investments that are irrational as long as you think there’s someone later that’s irrational, that you can, you can hand it off to, right? This is, this is all the Greater fool theory. Uh, although I don’t think necessarily in this case, the, the owners are fools, but. Sports teams are a toy of billionaires that you say, well, look, I, I am, I’m a Mark Cuban. I’ve made billions of dollars. Now I want to spend some of my, my money on a, a fun asset. You know, you and I might collect a baseball cards. Mark Cuban might collect baseball teams, right? Uh, so, uh, in a world you might be willing to overpay because you wanna be a sports soldier and you wanna rub elbows with. You know, KA Leonard, you wanna rub elbows with, uh, with, with Shhe Tani. Um, and you may be willing to overpay for that asset, but guess what? 20 years down the way, there’s still gonna be another billionaire who wants to rub elbows with that next generation of superstars. And so you’re fairly sure that the next time when it comes to sell your franchise, there will be another person who’s willing to pay a premium for that asset as well. So again, as we’ve gotten more billionaires, more billionaire wealth, um, this is something that, uh, you know, has attracted folks like Steve Ballmer to, to part with, with big money. And, uh, again, as billionaire assets have grown, uh, the ability and the desire to buy these teams has grown as well. I would think a major driver of the value. Is also coming from, um, the, the media sources, uh, that are changing, right? Where, I mean, I remember, you know, again, being a kid and there was this, you know, there was Monday night football and it was on NBC and. And that, that’s how it worked. But now there’s like bidding for these things and you’ve got Amazon, uh, doing Thursday night football, which is a little weird. Um, and you know, you sometimes you have, uh, uh, you have games on Peacock. What’s going on with that? How does it affect the economics? Uh, and ultimately, like where is this headed? So, uh, in a, in a league like the NFL, uh, over 60% of all revenues that they generate is media revenue, right? Because most of us aren’t going to games every day, uh, too expensive for us, or too time consuming or all sorts of other things. But, uh, lots of us tune in on tv. So we’re talking about, uh, well over $10 billion of annual media contracts with the NFL. Um, and those numbers have been going up, uh, at least in part because you have media companies, uh, in a pretty competitive environment bidding against one another for these things. Now, one of the things about, again, things like the NFL or the NBA is it allows broadcasters or other types of TV networks to bring in customers in a way that their regular programming doesn’t. So a, a company may actually be willing to overpay for the NFL, kind of as a way to get people to buy all of your other products. A famous example from early days, uh, is, is Fox, right? So in the old days there were three big networks. So old days, I’m talking, you know, 1970s, there were the three big networks, right? There was A, B, CNB, C, and CBS, and they all competed against one another. And then in the 1980s, this rival network came up and this is Fox. And they wanted to get into all these markets nationwide. Well, how do you make sure that a. A local station decides to pick up the Fox programming. So for example, I grew up in Denver and Denver had a, had a, an independent channel that, you know, played reruns and all sorts of other things, and, and so they have a broadcast license already. Fox goes up to them and says, Hey, would you like to carry our regular programming? And, and that, that channel said, well, I don’t really think so. We’re doing fine showing Gilligan’s Island and Love Boat and things like this, and we don’t need, uh, an entire set of your programming. We’re doing just fine, as as it is. Uh, so Fox couldn’t get a foothold in that Denver market. So what Fox does is they buy rights to the NFL. All of a sudden now they go back and say, Hey, we’ve got all this Fox programming, we’ve got the Simpsons, and we’ve got, I don’t know, uh, you know, uh, you know, these early, these early Fox programming. But, um, they say, but we also have the NFL. You can’t, you can’t turn down the NFL. And then all of a sudden that existing affiliate says, okay, all right, we’ll add the whole line of Fox programming because you’re right, we can’t turn down having the NFL. So what, what basically happens here is the NFL serves as this kind of must stock item. And uh, you know, Fox was willing to overpay for the NFL because now they’re gonna get everyone to be able to buy the Simpsons and everything else they were offering at the same time. Uh, and so media rights have gone much, have gone up much faster. And we see this all over the place, right? How do you get people to buy. Amazon Prime. Well, let’s say that’s the only way you get to watch, uh, football on Thursday nights. How do you get people to buy, you know, apple tv? You offer major league soccer games as part of their package, right? Uh, and so this is how you kinda legitimize yourself as an actual, real, uh, you know, quote real media company is by offering some, uh, live. Live sports. And that gets people who would not otherwise buy Netflix or Amazon Prime or Apple, uh, to actually purchase those because again, they’re offering this secondary item. Then presumably that in turn drives up the value of of the NFL and you know, they’re bringing in a lot more money because they’ve got not just the three major networks bidding on them, but they’ve got all sorts of big companies with deep pockets. Willing to, you know, increase their, their, their revenue is and, and that sort of snowballs. Is that, is that fair? No, and that’s exactly right. And, and for as much as I talk about, you know, that billionaire who wants the an NFL team or an NDA team as a. Prestige asset. Uh, they’re also concerned about having it as an actual functioning asset as well. So I’m willing to pay, you know, a lot more, even if I’m willing to pay a premium. That premium is based on a fundamental value in the first place. And how do you drive that fundamental value? You drive that fundamental value by maximizing the revenue you generate through things like media contracts, and by maximizing. And by minimizing your costs, by making sure that your labor costs aren’t gonna run away with you, uh, because again, hopefully you, uh, most of the leagues have solved kind of their long-term labor, uh, their labor strife between them and the players within each league. There is also some different rules, and specifically, again, being a big NFL fan, I love the fact that the NFL has a salary cap and profit sharing for each team. ’cause it makes for a much more competitive league, basically, you know, for people who don’t know what that means, essentially each team can pay, has a salary cap of how much they can pay players for a given year. But not all of the leagues have that. Uh, I don’t really follow the other ones. I, I’m not sure who has it, who doesn’t, but I know that, like in baseball, I don’t think they have that. And it creates a situation where you’ve got the Dodgers or the Yankees in, in, in the World Series. More often than not, and you know, you’re not getting the smaller teams usually. No. So you’re exactly right. So the NFL has what’s called a, uh, a salary cap, and it’s actually got what’s called a hard cap. So they’re actually quite serious about this, and there are very few exceptions that can be made to go over this cap. Uh, this cap is based on the total amount of revenue that’s being generated by the league. Uh, and again, the cap basically is the way that they make sure that they share. A fair proportion of the money with the players. Uh, what’s also important is they also have a floor. So the, the cap this year is about 225 million, if I remember right, but the floor is about 200 million. So every team in the league basically is spending the same amount on labor this season, which makes for a very even playing field. And we know that some teams are gonna lose and some teams are gonna win. And it seems like the Browns and the, and the jets never win. And it seems like other teams always do. But what’s important about that is it’s not just because they’re in a big city, that they have these gigantic revenue advantages and that they can buy a championship. It really is, you know, who is smartest with their money, who’s smartest with your coaching, who’s lucky with the draft and things like this. And, uh, that makes for a very nice thing here. What’s also super important is the NFL has a gigantic amount of revenue sharing, and the reason for this is every single game you watch on TV is part of a contract that’s being sold by the league, not the team. And because of that, the league is generating all these, all this revenue, and then is equally distributing that money to each of the individual teams. So a, a team playing in little tiny Green Bay is generating exactly the same amount of media revenue as the New York Giants. Or the LA Rams. So that’s really nice. Uh, again, gigantic amounts of, uh, again, even revenue sharing to all the participants. As a matter of fact, of all of the businesses in the United States, the NFL is probably the single most socialist company. In the United States. So this Great American pastime is wildly socialist when it comes to how they distribute their, their income. So what incentivizes a team to be better and to win Then from the ownership standpoint, if there’s revenue sharing, is it just at the, the other sources of income that come, like advertising, things like that. I’m, I’m just curious, like if there’s so much revenue sharing, what is it that drives a team to, you know, try to be better from the ownership standpoint? So first of all is that being bad doesn’t help you, right? This isn’t major league baseball, so we’re gonna go the o. The other extreme, at least for a US sport, is major League baseball. No, uh, salary cap there at all. So you can pay, uh, players as much as you want, although there is what’s called a luxury tax. So as you, as your, uh, salary, your total payroll gets too big, you start getting, uh, uh, paying penalties to the league, which is then redistributed to the poor teams in the league. That being said, you can spend as much as you want. So yeah, the Dodgers, they spent somewhere, uh, by some accounts somewhere around $400 million this year on talent, including, you know, gigantic contracts to folks like Shhe, Tani, right? Um, but there’s also no minimum either. So if you’re a team that decides, hey, we’re not even gonna bother to try to compete this year, uh, you are the. I don’t know to, if I should call them the Oakland A or the Las Vegas a a or the Sacramento A or the Traveling through the desert, sort of a for a while. Um, but, you know, this is a team that made a decision not to compete and had a, had a tiny payroll. Uh, other teams have decided to do this, and the, and the NFL you could decide that you didn’t wanna win. But it wouldn’t save you any money because again, not only is there a salary cap, there’s a salary floor. So if I have to pay $225 million each year anyway, I might as well try to win with that 225 million. Uh, ’cause I don’t have a choice to just collect my paycheck and hire, you know, the Minnesota Gophers for $20 million, uh, for my, for my team this year. ’cause that’s not an option. Right. Um, one of the things I wanted to just kind of, uh, drill down a little bit on is the model of the Green Bay Packers. As you um mentioned, it’s a tiny little town, northern Wisconsin. Uh, not much going on there. I’ve, I’ve been there myself for a game. It is unique in that it is owned, not by billionaires, but it’s owned essentially as by the fans. How, how does that work? And, and I guess the question is like, why, why aren’t other teams modeled that way? So other teams are not modeled that way because the NFL does not want other teams to be modeled that way, nor do any of the other, uh, major leagues out there. Uh, it’s not good for the NFL for a couple reasons. Uh, first of all. They have to open their books. If it’s a public company and they don’t like to open their books, um, you also don’t have a face for that, uh, league in a way that, that a person couldn’t, couldn’t be in there, uh, pouring extra money in as a kind of a, an, an angel investor. Uh, on top of that, uh, you can’t threaten to relocate to another city unless you get taxpayer subsidized. Um, you know, uh, stadiums and things because it’s a publicly owned team and we know that, that those public owners will not ever decide to move that team out. How did they get that status in the first place? That’s an interesting story, and it’s a story that’s not unique to. The Packers, but it is fairly unique to the United States. So, uh, in the rest of the world, this type of ownership model actually is fairly common. Um, teams that your, you know, listeners would’ve heard of, like Barcelona, like Al Madrid, these are club owned teams. Um, there is not an owner there. They are owned by the fans themselves, and they’re in the business of. Trying to stay in business every year while winning as many games as possible. Uh, there is, they’re not trying to win trophies for a, a Steinbrenner or a Mark Cuban. They’re trying to win, uh, trophies for that fan base. That literally, again, the, the season ticket holders are those owners. Um, the NFL itself, you know, was, was a very hard Scrabble league for a long time. It started in 1920, uh, and between 1920 and 1935. Roughly 55 teams played at least one season in the NFL. And of those 55 teams, basically all but about six of them, had gone outta business or relocated at some point in here. Uh, this is why actually we got such a socialist, uh, uh, business model here is because the owners of the big teams, the owners of the bears. Uh, the owners of the Giants, uh, they said, look, you know, this league isn’t gonna work if we can’t actually find someone to play. And yeah, we’re making money here, but we’re not gonna continue making money if we can’t find other teams that are gonna work in this league. So they said, Hey, we are gonna be very generous. We’re gonna make sure that, that we share our revenues with the people, uh, the other people in our league. We would rather have a small piece of a big pie, uh, than a big piece of a pie that is tiny or disappears completely. Uh, so that’s why we ended up with this, uh, revenue sharing. And of course they were very open to any sort of model that kept stable teams around, including a model where rather than some rich owner in, in Green Bay owns that team. Instead, it’s a municipally owned team. As long as that team had stability and conform long-term rivalries and can afford to put forward a product that’s gonna, that’s gonna work on a, you know, on an NFL field to make a competitive product, they were happy to kind of do whatever they needed to do because again, this was a, this was a really tough league to be in. For the first roughly 20 years with, you know, a lot more successes. There’s been a lot of talk, uh, I know about private equity entering the, uh, the NFL. Tell us, give us a little bit of an understanding of that. I mean, obviously, I, I kind of think of these owners in these buying groups as private equity already, so what’s the big deal? Is the point. So in most sports leagues have already allow private equity and already allow ownership groups with multiple owners, uh, to, to own teams. So again, uh, you know, the, the Red Sox, they have multiple owners of, of that team. Uh, again, Celtics, same sort of thing. Um, but in the NFL we have required basically one owner, right? So this is a, a person. That owns the team and is the face of the team and is this controlling majority owner, uh, they’re going to explicitly allow external people unrelated to the ownership group, to own pieces of NFL teams here. Uh, and I think the, the real issue here, uh, has to do with, uh, there are some franchises in the NFL where the owners are asset rich, but cash poor. I’m thinking actually, for example, the Bears. So the bears are still owned by the same group. Who bought the Bears back in 1920 ish. Right? So this, you know, the, the same family, the Halas, uh, have owned this team for a hundred years. Uh, by this point, you know, little pieces of the team have been handed down to all the cousins and the grandkids and the great grandkids and this sort of folks. Uh, so, uh, you know, I think in total there’s something like 86 different owners of the, of the Bears now, but they’re all part of that original ownership group that everyone. You know, has inherited a little, a little share here. Now mind you, you know, one 86th of the, uh, of the bears is like a hundred million dollars. You know, the bears are probably an $8 billion franchise. And so that’s a hundred million dollars of assets that each one of these grandkids has just because, you know, their grandfather made a smart, uh, smart investment a hundred years ago. Um, but it doesn’t mean that they can live the lifestyle of a person with a hundred million dollars. Because they’re not allowed to sell their share to anyone because private equity was never allowed. And the amount of money that that team is actually generating in terms of annual operating profits isn’t super high. So you’ve got a world where you’re wildly rich, but you can’t really do a lot with those riches. So you know, this is a team that would be prime for the idea of, well, let’s sell off 20% of this. 20% of the team is gonna be maybe a couple billion dollars. And, and then we will just share that basically it’s a big Christmas present to each one of these, uh, these kids here. And again, the, the thing here is that’s $2 billion in cash that each of these small minority owners gets rather than, you know, an asset that they can’t actually use. To buy a yacht in Monaco. Right? And so that’s giving these kids, or the, you know, these minority owners an option to basically, uh, you know, get liquidity for their ownership. And, and that’s the big difference, right? And of course the other thing is, is there are lots of wildly rich people who would like to be an owner of a team in a way that you could do that 20 or 30 years ago by being just a, you know, just a multimillionaire or a multi, multi multimillionaire. That was enough. Uh. You know, you can be a billionaire nowadays and not have nearly what it needs to become an owner in one of these big groups. So, uh, you know, if we think about, uh, Arod, right? Arod bought, uh, the Timberwolves, uh, in the NDA, um. But he couldn’t do it alone despite the fact that he was, uh, you know, for 10 years the highest paid athlete in the world, you know, signed the single biggest contract, uh, in the history of professional sports, uh, when he did so. Uh, and even a guy with that sort of money doesn’t have enough money to buy a sports franchise. So, uh, I think the NFL is, you know, looking down the, the road to a, a world where. Someone wants to sell, but there’s not that many folks with $10 billion out there. And so the idea that we were gonna keep a, a world where there’s gonna be one single owner forever, uh, you know that that’s a pretty small pool of people in a world where you’re thinking about selling franchises at $10 billion. But if we allow these to be sold private equity wise. Then people can live their dream of being a sports owner, you know, for a mere couple billion dollars. And of course, that increases the pool of, of potential people by a lot. You know, you, you mentioned, um, during, just a minute ago in, in passing that these teams don’t actually necessarily throw off a lot of cash. They’re not, you know, they’re not super profitable. It’s not like a bunch of money’s being distributed to owners. Uh, can you talk a little bit about that? I, I didn’t know that actually. Sure. So a bunch of these teams in, in fact, in terms of operating revenue, don’t actually generate gigantic amounts of, of money every year. Uh, again, taking an an NFL team, so an NFL team is gonna generate, you know, somewhere around $500 million, maybe six or $700 million a year, but you’re already competing about 250 million of that to, uh, to the players. So half of that revenue coming in automatically is going to the players. If you built yourself a new stadium anytime recently, obviously you could have big payments on that. Uh, there’s other operating expenses associated with that. Um, in, in a world where you’re not the NFL, but you’re a world like, uh, major League baseball, where. You have much more variability in your, in your player costs year to year and more variability in your revenue. Uh, you could easily end up with years where you’ve got negative cash flow or at least negative profits, and, uh, and that means that you need, you need to be able to weather that. And so of course that’s one of the reasons, for example, why the NFL, you know, wouldn’t just take anyone as an owner, you need to be for sure rich enough to, uh, to weather both the ups and the downs. Again, if you borrowed any money to, uh, to purchase the team, uh, that’s obviously a big, uh, big interest payment there as well. So you could easily have teams again, depending how the owner purchased that, that are not kicking out gigantic amounts of cash on a year to year basis. One of the things that I’ve been hearing about, I don’t really know how this would work, is the, is of private equity moving into potentially like college sports. So we’ve seen some changes in, uh, for example, in college football where now these players can legally get paid. So it’s, it’s starting to look more and more like a professional. Uh, professional league. So how would that work if you’ve got private money essentially buying, uh, the sports teams of an individual university? Or maybe I’m not, maybe that’s not exactly what’s happening, but that’s kind of the impression I got. So first of all, that is exactly what could be happening and, and what people are talking about. Uh, I am deeply skeptical that this is a good idea for the institutions involved. Um. So basically it works exactly like any other sort of, uh, sports franchise, right? Uh, basically you would have an owner, uh, you know, let’s call him Mark Cuban, although he’s not, you know, he’s, he’s not talking about doing this. But imagine Mark Cuban decided he wants to buy, uh, Ohio State, right? Uh, so he comes up with a a billion dollars hands over a billion dollars to Ohio State. And now Mark Cuban is the recipient of any revenues being generated by the Ohio State, uh, program here. Um, and so this works like, just like anything else, right? So this is, this is basically, um, a person like bringing money in, in exchange for a piece of the action. Uh, the reason I’m highly skeptical about this because. Uh, remember the name of your university is very, very strongly tied with the name of your athletic program, right? So, you know, the Ohio State University is the name of both the educational program as well as the, uh, you know, the sports teams, right? And so, uh, one of the reasons that that schools have sports teams in the first place. Is as a method of advertising for their other things, right? So they, they use spectator sports to bring in the students to, uh, bring in, uh, actually, you know, public taxpayer money, all sorts of things. Um, and of course if the school controls the money from the, uh, you know, controls the athletic program as well as the academic program, then we can presume that the interests of the athletic program and the academic program are aligned. As soon as you’ve sold off your, your athletic program to an external, uh, you know, an external buyer, then you have every reason to believe that the incentives of that athletic program, the incentives of the. Academic program are no longer aligned in, in a way that is useful. Um, for example, you could have that, that equity person say, you know what? I’m gonna make money no matter what, and I’m just gonna tank all of our programs because I’m gonna generate more revenue by spending less. And that’s what maximizes my profit. But that may very well harm the academic side. And so if you allow, you know, private equity to come in and they have any control. Over that, uh, athletic program, you basically outsourced an extremely important part of your business while still meaning that your business in the athletics is, is importantly tied to the other parts of your business that you haven’t outsourced. And, uh, that makes me deeply concerned for anyone who would consider going down this route. Is, is that likely to happen, do you think? I don’t think anyone who makes predictions about college sport to this point, uh, can, can do that with any certainty at all. It’s fascinating stuff. Um, and one last question I guess for you, which is, you know, we talk about like people who own teams, uh, being, you know, multi-billionaires. Um. Is there any way that fans can still get a stake if they’re just simple millionaires? Is that just not something that’s po un unless you’re live in Green Bay, I guess, is that pretty much non-existent? So it depends what you’re interested in doing, right? So if you’re a mere multimillionaire, uh, you’re not gonna become an NFL owner. You’re not gonna become an NDO owner. Right. Mm-hmm. Um, if you’re very famous and a multimillionaire, you might be able to come into an ownership group because they want you as the face of the organization. Right. Um, one example of this was George W. Bush who came in with a very tiny ownership stake, uh, when, uh, he bought the Texas Rangers and he owned about. 2% of that, that team. But he was the face of that because he was the son of the president. Right. Uh, and, and then when the Rangers did well, uh, you know, he, he made a fortune doing that as well. So, um, the answer is generally no. But as long as your heart isn’t wedded to the NFL or NBA, there are certainly options that you can come into. Right. Um, we have seen. One tier down, uh, buying into things like the WNBA or the, uh, NWSL in women’s soccer or, uh, or women’s basketball. Uh, even that’s become pricey nowadays. These are a hundred million dollar franchises now these days. Or you can take chances with lower level, essentially minor league, uh, soccer in the United States or, uh, elsewhere, uh, in, in the world. And I think you know where we’re going here. So if you’re a merely. Multimillionaire, uh, and you’re a, a famous, uh, movie star or two, you could put your money in and buy a football or soccer team in Wales, uh, called Reim. Right? And of course, that’s exactly what Ryan Reynolds did. And Malaney and, uh, you know, they did not have anywhere close to NFL money despite being famous guys, you know, big movie stars, you know, you know, tens of millions of dollars in, uh, in money. They’re nowhere close to being NFL owner money. Guess what they were wreck some owner money and, uh, they get all the fun and excitement of being an owner without needing to be a billionaire. Interesting. Well, listen, uh, I, I appreciate all your time and, uh, it’s, it’s fun for me personally as a sports fan to see how this stuff works. Um, do you have a site where you write, do you have people curious about this stuff or, or how can they learn more? So how people can learn more is, uh, is there is some fun sports economic stuff out there. Uh, the classic, uh, book in sports economics is of course Moneyball by Michael Lewis, who of course is a great writer about all things finance and, and people who are interested in, in general interest books about, you know, all sorts of things related from to the tech boom to, uh, obviously the financial crisis of the two thousands to. His early days in, in junk bonds in the 1980s. Uh, Michael Lewis is one of the, one of the great writers out there. Um, uh, other fun books by colleagues of mine, uh, omics by Stephan Semanski is, is a fun one. Uh, and, uh, you know, you can catch up, uh, with some, uh, some. Other podcasts that, uh, that follow these sort of things, including Freakonomics has often things on sports that are, that are fun as well. Uh, unfortunately if you wanna, you know, hear from me, it’s all textbook stuff and then I’ll have to give you a grade. And so probably that. Uh, but again, it, it’s a great time to be a fan of sports and of economics ’cause there’s just so much good stuff out there. Thanks so much for being on the program today. Again, my pleasure. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens. Steve, the concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it. And, uh, once again, uh, I wanna just wish you a happy Thanksgiving and, uh, thank you for, you know, being a listener of this show. And one more thing, just a reminder, uh, we are heading into sort of the last month or so. Of, uh, investment possibilities in the investor club. Wealth formula.com is where you go to join that group. And if you’re looking for a last minute tax mitigation type investment, make sure you sign up as soon as possible. Uh, that’s it for this week on Wealth Formula Podcast. Happy Thanksgiving. This is Buck Jre signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Today on Coast To Coast Hoops Greg recaps Thursday's results, talks to Blake Lovell of Southeastern 16 about the start to the season the conference have gotten off to, gauging the SEC teams in action this weekend, & the upside Alabama has, & Greg picks & analyzes EVERY Friday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:41-Recap of Thursday's results16:47-Interview with Blake Lovell42:28-Start of picks Butler vs South Carolina45:18-Picks & analysis for Campbell vs UT Arlington47:27-Picks & analysis for Wisconsin vs BYU50:18-Picks & analysis for Northwestern vs Virginia52:51-Picks & analysis for Georgia Southern vs Florida St55:34-Picks & analysis for SIU Edwardsville vs Air Force58:20-Picks & analysis for Louisville vs Cincinnati1:01:01-Picks & analysis for Oakland vs Eastern Michigan1:03:48-Picks & analysis for Detroit vs Michigan St1:06:06-Picks & analysis for Charlotte vs Appalachian St1:08:52-Picks & analysis for Coastal Carlins vs Western Illinois1:11:29-Picks & analysis for Pennsylvania vs Drexel1:13:46-Picks & analysis for Morehead St vs East Tennessee1:16:14-Picks & analysis for Northern Colorado vs St. Thomas1:19:22-Picks & analysis for South Alabama vs UAB1:22:08-Picks & analysis for Georgia St vs South Dakota1:24:58-Picks & analysis for Northern Illinois vs Loyola Chicago1:27:22-Picks & analysis for Omaha vs LSU1:29:43-Picks & analysis for Fort Wayne vs St. Louis1:32:04-Picks & analysis for Little Rock vs Texas St1:34:32-Picks & analysis for Manhattan vs Texas A&M1:37:11-Picks & analysis for UC Davis vs Colorado1:39:39-Picks & analysis for Arkansas St vs SMU1:42:30-Picks & analysis for Denver vs Colorado St1:45:07-Picks & analysis for Samford vs New Mexico St1:47:56-Picks & analysis for Montana St vs Long Beach St1:51:16-Picks & analysis for Seattle vs Stanford1:53:51-Picks & analysis for CS Fullerton vs Portland1:56:36-Picks & analysis for UC Riverside vs San Diego1:59:19-Picks & analysis for Louisiana vs Santa Clara2:02:13-Picks & analysis for Sacramento St vs California2:05:01-Picks & analysis for Yale vs UW Green Bay2:07:04-Picks & analysis for Massachusetts vs Charleston2:09:31-Picks & analysis for Akron vs Iona2:12:01-Picks & analysis for Oregon St vs Evansville2:14:31-Picks & analysis for Utah St vs Tulane2:16:49-Picks & analysis for Davidson vs Boston College2:19:30-Picks & analysis for Clemson vs West Virginia2:21:47-Picks & analysis for Georgia vs Xavier2:24:32-Picks & analysis for Memphis vs Wake Forest2:26:57-Picks & analysis for Purdue vs Texas Tech2:28:51-Picks & analysis for Mississippi St vs New Mexico2:31:23-Picks & analysis for Kansas St vs Nebraska2:33:56-Start of extra games Alabama St vs IU Indy2:35:57-Picks & analysis for Columbia vs Lehigh2:38:10-Picks & analysis for Lafayette vs Stonehill2:40:17-Picks & analysis for Central Connecticut vs Rutgers2:42:32-Picks & analysis for HOly Cross vs Sacred Heart2:44:44-Picks & analysis for Albany vs Siena2:47:15-Picks & analysis for Charleston Southern vs East Carolina2:49:54-Picks & analysis for Army vs Marist2:52:03-Picks & analysis for Morgan St vs Old Dominion2:55:08-Picks & analysis for UNC Wilmington vs Radford2:57:21-Picks & analysis for MD Eastern Shore vs Canisius2:59:59-Picks & analysis for Merrimack vs Florida3:02:37-Picks & analysis for Loyola MD vs Kentucky3:04:33-Picks & analysis for USC Upstate vs West Georgia3:06:48-Picks & analysis for Hampton vs Norfolk St3:09:08-Picks & analysis for Austin Peay vs Tulsa3:11:29-Picks & analysis for Jackson St vs Arkansas3:13:50-Picks & analysis for Northwestern St vs Grand Canyon3:16:30-Picks & analysis for Stephen F Austin vs Pepperdine3:19:08-Picks & analysis for New Orleans vs Fresno St3:21:39-Picks & analysis for Grambling vs Cal Baptist3:23:53-Picks & analysis for Southern vs San Jose St3:26:15-Picks & analysis for Presbyterian vs UCLA3:28:28-Picks & analysis for NIagara vs Duke Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today on Coast To Coast Hoops Greg recaps Monday's results, talks to Ben Stevens of VSIN about the high scoring games we are seeing to start the season, the start to the season the Big Ten has had, & Tuesday's games, & Greg picks & analyzes EVERY Tuesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:31-Recap of Monday's results14z:47-Interview with Ben Stevens34:23-Start of picks Michigan St vs Kentucky36:30-Picks & analysis for Princeton vs Iona38:59-Picks & analysis for St. Peter's vs Delaware42:07-Picks & analysis for Old Dominion vs Xavier44:51-Picks & analysis for Hampton vs Boston College47;11-Picks & analysis for UT Martin vs Florida St50:00-Picks & analysis for East Carolina vs UNC Wilmington52:38-Picks & analysis for Towson vs James Madison55:23-Picks & analysis for East Michigan vs Detroit57:42-Picks & analysis for Georgia Southern vs Georgia Tech1:00:30-Picks & analysis for Abilene Christian vs Texas St1:03:19-Picks & analysis for UT Arlington vs Evansville1:05:55-Picks & analysis for Rhode Island vs Yale1:08:26-Picks & analysis for Little Rock vs Murray St1:10:55-Picks & analysis for Northern Illinois vs Northern Iowa1:13:23-Picks & analysis for Montana vs Texas A&M1:16:05-Picks & analysis for SE Missouri St vs Iowa1:18:36-Picks & analysis for Kansas vs Duke1:20:35-Picks & analysis for Monmouth vs Syracuse1:23:19-Picks & analysis for Rider vs Texas1:25:45-Picks & analysis for Fort Wayne vs Utah1:28:02-Picks & analysis for Wichita St vs Boise St1:30:27-Picks & analysis for UC Riverside vs Cal Baptist1:33:22-Picks & analysis for Louisiana vs Stanford1:35:46-Picks & analysis for UC Davis vs Nevada1:38:18-Picks & analysis for Idaho St vs Santa Clara1:40:43-Picks & analysis for Troy vs San Diego St1:43:14-Picks & analysis for Sacramento St vs UCLA1:45:28-Start of extra games American vs Rutgers1:47:44-Picks & analysis for Vermont vs Buffalo1:50:16-Picks & analysis for Boston U vs Columbia1:53:13-Picks & analysis for North Carolina A&T vs Morgan St1:55:44-Picks & analysis for IU Indy vs Charleston So1:59:01-Picks & analysis for Radford vs South Carolina2:01:48-Picks & analysis for St. Francis PA vs Lehigh2:04:27-Picks & analysis for Holy Cross vs Brown2:06:55-Picks & analysis for Jacksonville vs George Mason2:09:17-Picks & analysis for NJIT vs Drexel2:11:49-Picks & analysis for Maryland Eastern Shore vs Longwood2:14:20-Picks & analysis for Navy vs North Carolina2:16:48-Picks & analysis for Eastern Kentucky vs Kent St2:19:28-Picks & analysis for New Hampshire vs Providence2:21:43-Picks & analysis for New Haven vs Seton Hall2:23:50-Picks & analysis for Chicago St vs Minnesota2:25:48-Picks & analysis for Arkansas PIne Bluff vs SMU2:28:12-Picks & analysis for WInthrop vs Arkansas2:30:24-Picks & analysis for Austin Peay vs Ole Miss2:32:40-Picks & analysis for Army vs Cornell2:34:56-Picks & analysis for Gardner Webb vs DePaul2:36:23-Picks & analysis for Alcorn St vs LSU2:39:38-Picks & analysis for New Orleans vs Pepperdine2:42:02-Picks & analysis for Stephen F Austin vs Fresno St2:44:14-Picks & analysis for Southern vs Washington2:47:05-Picks & analysis for Northwestern St vs San Francisco2:49:32-Picks & analysis for Presbyterian vs California2:51:45-Picks & analysis for Grambling vs San Diego Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tackling The Mafia And Dangers of Informants: Retired FBI Agent Speaks. Special Episode. “This is a part of FBI work the public almost never sees,” Vinton explains. “When you're Tackling The Mafia And the Dangers of Informants, you're operating in a world where loyalty is a currency, and betrayal can cost lives or careers.” Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. In a powerful Special Episode now streaming on the Law Enforcement Talk Radio Show and Podcast website, on Apple Podcasts, Spotify, YouTube, and most every major Podcast platform, retired FBI agent and author Tom Vinton offers a rare, firsthand look into the world of organized crime, dangerous informants, and the internal risks faced by federal investigators. Promoted across Facebook, Instagram, and other News outlets, the episode takes listeners deep into the heart of New York's most violent Mafia crime families, and into the shadows where informants and agents walk a thin line between justice and treachery. Inside the Mafia Wars of the 1980s The episode dives into the turbulent 1980s, a decade defined by upheaval within the Gambino Crime Family, from the Crime Boss's leadership to his shocking 1985 assassination and the meteoric rise of another Boss. Vinton recalls the era as one marked by international heroin trafficking, brutal territorial battles, and the historic Mafia Commission Trial, which took aim at the leadership of all five New York Mafia families. Tackling The Mafia And Dangers of Informants: Retired FBI Agent Speaks. Special Episode. Look for supporting articles about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin . “The Commission Trial was a seismic shift,” Vinton says. “For the first time, the FBI could expose how the families cooperated, organized, and profited. It changed the direction of organized crime investigations forever.” The Perils of Informants: “A Necessary Evil” Vinton's book, Sanctioned Treachery: Portrait of a Drug Informant, becomes a centerpiece of the episode. Based on his decades-long career investigating organized crime and supervising the Organized Crime Drug Enforcement Task Force, the novel brings to life the dangerous dance between agents and the informants they rely on. “Informants are both indispensable and incredibly risky,” Vinton notes. “Some agents have had their careers destroyed, or even ended up in jail, because they trusted the wrong person.” Tackling The Mafia And Dangers of Informants: Retired FBI Agent Speaks. Available for free on their website and streaming on Apple Podcasts, Spotify, and other podcast platforms. The book follows fictional FBI agent Eddie Michaels and his informant Alonzo “King” Curtis, a charismatic but ruthless operator whose moral compass is as fluid as the criminal underworld he moves through. Drawing on real-life cases, Vinton reveals how informants can both solve major crimes and simultaneously jeopardize investigations, or the agents themselves. “This could have happened,” Vinton says plainly. “Some of it did.” A Career Built on Crime-Fighting and Storytelling Tom Vinton's own story is as compelling as the cases he describes. Born in New Rochelle and a graduate of Holy Cross, he served as a Marine Corps infantry officer before joining the FBI. His assignments took him ultimately to New York, where he supervised massive organized crime and drug investigations. The Law Enforcement Talk Radio Show and Podcast episode is available for free on their website , Apple Podcasts , Spotify and most major podcast platforms. After retiring from the Bureau, Vinton became Deputy Commissioner of the Westchester County Police and launched a consulting business. But writing remained a passion. Tackling The Mafia And Dangers of Informants. “A professor once told me that writing would serve me no matter what career I chose,” Vinton recalls. “He was right. These stories needed to be told.” Originally published in 2005, Sanctioned Treachery was lost when the publisher went bankrupt. Now updated, re-edited, and released, it's earning renewed praise. One early review called it “a grand thriller… an exciting breath-holding adventure disguised as fiction.” How the FBI Fights Organized Crime Throughout the episode, Vinton breaks down how the FBI tackles criminal enterprises, not just individuals, using tools like: Undercover operations Court-authorized wiretaps and surveillance Asset forfeiture Informants and cooperating witnesses Inter-agency task forces RICO statutes “The goal is to dismantle the entire infrastructure of a criminal organization,” Vinton says. “Not just arrest a few people. We target the enterprise, its money, its leadership, its operations.” Tackling The Mafia And Dangers of Informants: Retired FBI Agent Speaks. Special Episode. The full podcast episode is streaming now on Apple Podcasts, Spotify, and across Facebook, Instagram, and LinkedIn. A Must-Listen Episode for True Crime Fans For those interested in the FBI, Mafia history, or the high-stakes world of criminal informants, this Special Episode delivers unmatched insight. “It's a reminder,” Vinton says, “that the line between justice and danger is thinner than the public ever realizes.” Listeners can tune in on the Law Enforcement Talk Radio Show website, on Apple Podcasts, Spotify, YouTube, and most every major Podcast platform and follow updates on Facebook, Instagram, and other major News outlets. You can find the show on Facebook, Instagram, Pinterest, X (formerly Twitter), and LinkedIn, as well as read companion articles and updates on Medium, Blogspot, YouTube, and even IMDB. You can help contribute money to make the Gunrunner Movie . The film that Hollywood won't touch. It is about a now Retired Police Officer that was shot 6 times while investigating Gunrunning. He died 3 times during Medical treatment and was resuscitated. You can join the fight by giving a monetary “gift” to help ensure the making of his film at agunrunnerfilm.com . Background song Hurricane is used with permission from the band Dark Horse Flyer. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Get the latest news articles, without all the bias and spin, from the Law Enforcement Talk Radio Show and Podcast on Medium , which is free. “If you enjoy the show,” John Jay Wiley adds, “please share it with a friend or two, or three. And if you're able to leave an honest rating or review, it would be deeply appreciated.” The Law Enforcement Talk Radio Show and Podcast is available for free on Apple Podcasts, Spotify, YouTube, and LETRadio.com, among many other platforms. Stay connected with updates and future episodes by following the show on Facebook, Instagram, LinkedIn, their website and other Social Media Platforms. Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Be sure to check out our website . Be sure to follow us on X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Tackling The Mafia And Dangers of Informants: Retired FBI Agent Speaks. Special Episode. Attributions Amazon.com F.B.I. Amazon.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today on Coast To Coast Hoops Greg recaps Saturday's results, talks to Mid Major Matt Josephs of ESPN Radio in Richmond about the high scoring games we are seeing to start the season, why most teams don't have enough data on them to make big evaluations yet, & Sunday's games, & Greg picks & analyzes EVERY Sunday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:56-Recap of Saturday's results20:06-Interview with Mid Major Matt Josephs43:32-Start of picks Wright St vs Kent St46:29-Picks & analysis for Appalachian St vs Dartmouth49:04-Picks & analysis for Notre Dame vs Oho St51:17-Picks & analysis for Western Michigan vs South Dakota53:18-Picks & analysis for South Florida vs Kennesaw St55:45-Picks & analysis for Charlotte vs Virginia Tech58:21-Picks & analysis for Houston vs Auburn1:01:06-Picks & analysis for Harvard vs Marist1:03:46-Picks & analysis for Colorado St vs Loyola Chicago1:07:05-Picks & analysis for UNLV vs Memphis1:09:49-Picks & analysis for Mount St Mary's vs Cincinnati1:12:29-Picks & analysis for Illinois St vs Long Beach St1:15:05-Picks & analysis for Tennessee St vs Western Kentucky1:18:15-Picks & analysis for Akron vs Purdue1:20:43-Picks & analysis for Troy vs CS Northridge1:23:22-Picks & analysis for Miami vs Florida1:26:11-Start of extra game Wagner vs UMBC1:29:02-Picks & analysis for Bryant vs Valparaiso1:31:52-Picks & analysis for Stetson vs Western Carolins1:34:44-Picks & analysis for Holy Cross vs Hampton1:37:13-Picks & analysis for Central Connecticut vs UMass1:39:49-Picks & analysis for Loyola MD vs Fairfield1:42:28-Picks & analysis for Texas A&M CC vs Oklahoma St1:45:23-Picks & analysis for UMass Lowell vs Wake Forest1:47:49-Picks & analysis for Quinnipiac vs Maine1:50:04-Picks & analysis for Samford vs Central Arkansas1:52:48-Picks & analysis for Radford vs Cleveland St1:55:34-Picks & analysis for Presbyterian vs Sacramento St1:58:10-Picks & analysis for Lindenwood vs Alabama A&M2:00:53-Picks & analysis for Incarnate Word vs Indiana Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ian Auzenne and Coach Lou Valdin co-hosted WWL's weekly "Prep Football Roundup." The guys spoke to WWL reporters at the biggest games across the state for the bi-district round of the LHSAA Playoffs, including Holy Cross at Rummel, Slidell at Hahnville, Covington at Parkway, and Salmen at Zachary, among others. They heard from winning coaches and reset the bracket for next week's regional round of the postseason.

Send us a textRecapping the much less dramatic win over Holy Cross for the Runnin' Utes and looking ahead to Sam Houston. Plus, the Utah WBB team notches another win and both squads add to their future on signing day + more from the Big 12. Runnin' Hoops Podcast 30% Off Exclusive Deal! – FlyFitTees

Mike and Steve previewed the LHSAA Playoffs, highlighting the upcoming matchup between Rummel and Holy Cross. Mike praised Hahnville, Destrehan, Karr, and St. Augustine.

Utah's #1 sports talk and home University of Utah Athletics!

POSTGAME: Head Coach Alex Jensen reacts to Utah MBB 87-69 win over Holy Cross

Utah's #1 sports talk and home University of Utah Athletics!

POSTGAME: Head Coach Alex Jensen reacts to Utah MBB 87-69 win over Holy Cross

Catch up on all the headlines in NFL, College Football, Utah Jazz, NBA, College Basketball, MLB and NHL news with "What is Trending" for November 11, 2025.

Catch “The Drive with Spence Checketts” from 2 pm to 6 pm weekdays on ESPN 700 & 92.1 FM. Produced by Porter Larsen. The latest on the Utah Jazz, Real Salt Lake, Utes, BYU + more sports storylines.

Today on Coast To Coast Hoops Greg recaps Sunday's results, talks to Rocco Miller of Bracketeer.org about the standout performances in the first week, high major teams running up the score for their NET Rankings, & teams to watch this week, & Greg picks & analyzes EVERY Monday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:50-Recap of Sunday's results16:22-Interview with Rocco Miller41:58-Start of picks Columbia vs Connecticut44:12-Picks & analysis for Fairfield vs Seton Hall46:50-Picks & analysis for UNC Wilmington vs Kent St49:43-Picks & analysis for Eastern Michigan vs Pittsburgh52:32-Picks & analysis for Indiana St vs SIU Edwardsville55:20-Picks & analysis for Iowa St vs Mississippi St57:41-Picks & analysis for Lindenwood vs St. Louis1:00:02-Picks & analysis for Little Rock vs UW Milwaukee1:03:12-Picks & analysis for Santa Clara vs Xavier1:06:17-Picks & analysis for Cleveland St vs Northwestern1:08:54-Picks & analysis for Northern Illinois vs Grand Canyon1:11:43-Picks & analysis for St. Thomas vs Washington St1:14:44-Picks & analysis for CS Fullerton vs California1:17:05-Start of Extra Games New Haven vs UMass Lowell1:19:10-Picks & analysis for Maine vs Rutgers1:21:32-Picks & analysis for Delaware St vs Niagara1:23:57-Picks & analysis for Presbyterian vs Georgia St1:27:13-Picks & analysis for Stetson vs Miami1:29:38-Picks & analysis for South Carolina St vs No Carolina A&T1:32:13-Picks & analysis for Western Kentucky vs Eastern Kentucky1:34:52-Picks & analysis for Charleston So vs The Citadel1:37:09-Picks & analysis for New Orleans vs LSU1:39:41-Picks & analysis for Lamar vs TCU1:41:58-Picks & analysis for Holy Cross vs Utah1:44:18-Picks & analysis for SE Louisiana vs Georgia Tech1:46:53-Picks & analysis for West Georgia vs UCLA Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textRecapping the Runnin' Utes wild ride against Weber St. and a look ahead to Monday night's contest with Holy Cross. Plus, the Utah WBB team gets a sizable in-state win, and the Big 12 drops to .500 vs. the P5 in the non-con. Runnin' Hoops Podcast 30% Off Exclusive Deal! – FlyFitTees

Today on Coast To Coast Hoops Greg recaps Friday's results, talks to Tristan Freeman of Busting Brackets about the standout performances of the first week of the season, the ACC outlook, & how much stock to put into these early season results, & Greg picks & analyzes EVERY Saturday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 2:37-Recap of Friday's results18:10-Interview with Tristan Freeman34:58-Start of picks Alabama vs St, John's37:09-Picks & analysis for Princeton vs Akron39:29-Picks & analysis for FL International vs Nebraska42:18-Picks & analysis for Drexel vs St. Joseph's44:46-Picks & analysis for George Washington vs South Florida47:23-Picks & analysis for Western Carolina vs Duke49:36-Picks & analysis for Marshall vs Toledo52:13-Picks & analysis for UW Milwaukee vs Wofford54:58-Picks & analysis for Texas St vs Tulane57:19-Picks & analysis for Towson vs Houston59:30-Picks & analysis for San Francisco vs Memphis1:02:23-Picks & analysis for Northern Kentucky vs Tennessee1:04:27-Picks & analysis for Monmouth vs La Salle1:06:46-Picks & analysis for CS Fullerton vs Wyoming1:09:07-Picks & analysis for San Jose St vs UC Santa Barbara1:11:47-Picks & analysis for Montana vs Stanford1:14:03-Picks & analysis for Utah Valley vs Boise St1:16:55-Picks & analysis for Canisius vs St. Bonaventure1:19:13-Picks & analysis for UT Arlington vs New Mexico1:22:22-Picks & analysis for Vanderbilt vs Central Florida1:24:55-Picks & analysis for Elon vs UNC Greensboro1:27:00-Picks & analysis for Providence vs Virginia Tech1:29:12-Picks & analysis for Eastern Washington vs Colorado1:31:27-Picks & analysis for IU Indy vs Butler1:34:06-Picks & analysis for Long Beach St vs Fresno St1:36:35-Picks & analysis for East Carolina vs Richmond1:39:18-Picks & analysis for Charleston vs FL Atlantic1:41:33-Picks & analysis for Weber St vs Utah1:44:19-Picks & analysis for Arkansas vs Michigan St1:46:28-Picks & analysis for Central Michigan vs Bradley1:48:44-Picks & analysis for Tennessee St vs Belmont1:51:10-Picks & analysis for UT Rio G Valley vs Southern Utah1:53:22-Picks & analysis for Chattanooga vs UNLV1:55:47-Picks & analysis for Cal Poly vs Seattle1:58:16-Picks & analysis for Pacific vs Nevada2:00:57-Picks & analysis for Oklahoma vs Gonzaga2:03:08-Start of extra games Alcorn St vs Minnesota2:05:26-Picks & analysis for Penn St vs New Haven2:07:32-Picks & analysis for Kennesaw St vs Florida A&M2:10:10-Picks & analysis for Delaware St vs Syracuse2:12:30-Picks & analysis for Fairfield vs NJIT2:14:50-Picks & analysis for Niagara vs Binghamton2:17:09-Picks & analysis for UMBC vs Dayton2:19:49-Picks & analysis for Fairleigh Dickinson vs St. Peter's2:22:21-Picks & analysis for Lafayette vs Texas2:24:57-Picks & analysis for UNC Asheville vs Georgia Southern2:27:43-Picks & analysis for William & Mary vs Norfolk St2:30:46-Picks & analysis for Austin Peay vs Air Force2:32:56-Picks & analysis for Maine vs Stony Brook2:35:43-Picks & analysis for East Tennessee vs Presbyterian2:38:12-Picks & analysis for Albany vs Massachusetts2:40:30-Picks & analysis for Prairie View vs Wichita St2:43:00-Picks & analysis for Texas A&M CC vs Tarleton St2:45:25-Picks & analysis for Queens NC vs Villanova2:47:48-Picks & analysis for Bellarmine vs Kansas St2:50:41-Picks & analysis for Army vs St. Thomas2:52:43-Picks & analysis for Arkansas Pine Bluff vs Loyola Mary2:55:07-Picks & analysis for Holy Cross vs BYU2:57:46-Picks & analysis for Houston Christian vs UC San Diego Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Friars opened their season with an 89-79 win over Holy Cross, powered by the dazzling freshman duo of Stefan Vaaks and Jamier Jones. We break down what we learned from Game 1 - the new identity taking shape under Kim English, the encouraging depth, and the defensive lapses that nearly let the Crusaders back in. Then we look ahead to Saturday's matchup against Virginia Tech at Mohegan Sun and what Providence needs to do to stay unbeaten.IG: @talkinfriarsFriar Beat blog: https://friar-beat.ghost.io/Go Friars!

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

Conference play is fully underway, and Brad Schlossman (Grand Forks Herald) and Jayson Hajdu (College Hockey Inc.) break it all down, including the rash of injuries nationwide, the importance of depth, Alaska Anchorage's OT win at Denver, Jack Stockfish's utility at Holy Cross, the Mike Hastings blueprint, Bemidji State's roster construction, Alexis Cournoyer's Cornell debut, Lawton Zacher's heater for Northeastern, St. Cloud State's firepower, great matchups on tap this weekend, and tons more! Bemidji Pioneer article on Max Hildebrand: https://www.bemidjipioneer.com/sports/beavers-hockey/max-hildebrand-takes-uncommon-path-to-become-bemidji-states-receipt-keeping-ambidextrous-goalie Grand Forks Herald article on Ben Strinden: https://www.grandforksherald.com/sports/und-hockey/ben-strinden-has-career-game-on-night-honoring-his-late-father Follow Brad Schlossman on X (@SchlossmanGF) and Bluesky (@schlossmangf.bsky.social) Follow the Grand Forks Herald on X (@GFHerald) Follow College Hockey Inc. on X (@collegehockey), Bluesky (@collegehockey), Threads (@collegehockeyinc) and Instagram (@collegehockeyinc) Email the show at info@collegehockeyinc.com!

The path to progressing as a leader isn't always linear. SUMMARY Col. (Ret.) Mike Ott shows how a childhood dream can evolve into a lifetime of impact—from commanding in uniform to leading innovation in healthcare and national defense. Hear more on Long Blue Leadership. Listen now!   SHARE THIS PODCAST LINKEDIN  |  FACEBOOK   MIKE'S LEADERSHIP TAKEAWAYS A leader worth his or her salt should be comfortable not being the smartest person in the room. Striving for a lack of hubris is essential in leadership. Setting a clear vision is a fundamental leadership skill. Moving people without authority is crucial for effective leadership. Resource management is key to achieving organizational goals. Acknowledging what you don't know is a strength in leadership. Effective leaders focus on guiding their teams rather than asserting dominance. Leadership is about influencing and inspiring others. A successful mission requires collaboration and shared vision. True leadership is about empowering others to succeed.   CHAPTERS 00:00: Early Inspiration 06:32: Academy Years 13:17: Military Career Transition 21:33: Financial Services Journey 31:29: MOBE and Healthcare Innovation 40:12: Defense Innovation Unit 48:42: Philanthropy and Community Impact 58:11: Personal Growth and Leadership Lessons   ABOUT MIKE OTT BIO Mike Ott is the Chief Executive Officer of MOBĒ, a U.S.-based company focused on whole-person health and care-management solutions. He became CEO in April 2022, taking the helm to lead the company through growth and operational excellence following a distinguished career in both the military and corporate sectors.  A graduate of the United States Air Force Academy, Mike served as a Colonel in the U.S. Air Force Reserves before shifting into financial services and healthcare leadership roles including private wealth management at U.S. Bank and executive positions with UnitedHealth Group/Optum. His leadership ethos emphasizes alignment, acceleration, and human potential, building cultures where teams can thrive and leveraging data-driven models to improve health outcomes.   CONNECT WITH MIKE LinkedIn MOBE CONNECT WITH THE LONG BLUE LEADERSHIP PODCAST NETWORK TEAM Send your feedback or nominate a guest: socialmedia@usafa.org Ted Robertson | Producer:  Ted.Robertson@USAFA.org    Ryan Hall | Director:  Ryan.Hall@USAFA.org  Bryan Grossman | Copy Editor:  Bryan.Grossman@USAFA.org Wyatt Hornsby | Executive Producer:  Wyatt.Hornsby@USAFA.org      ALL PAST LBL EPISODES  |  ALL LBLPN PRODUCTIONS AVAILABLE ON ALL MAJOR PODCAST PLATFORMS     OUR SPEAKERS Guest, Col. (Ret.) Mike Ott '85  |  Host, Lt. Col. (Ret.) Naviere Walkewicz '99   FULL TRANSCRIPT Naviere Walkewicz 0:00 A quick programming note before we begin this episode of Long Blue Leadership: This episode will be audio-only, so sit back and enjoy the listen. Welcome to Long Blue Leadership, the podcast where we share insights on leadership through the lives and experiences of Air Force Academy graduates. I'm Naviere Walkewicz, Class of '99. Today, on Long Blue Leadership, we welcome Col. (Ret.) Mike Ott, Class of 1985, a leader whose vision was sparked at just 9 years old during a family road trip past the Air Force Academy. That childhood dream carried him through a 24-year Air Force career, culminating in retirement as a colonel and into a life of leadership across business, innovation and philanthropy. Mike is the CEO of MOBE, a groundbreaking company that uses data analytics and a revolutionary pay-for-results model to improve health outcomes while reducing costs. He also serves as a senior adviser to the Defense Innovation Unit, supporting the secretary of defense in accelerating commercial innovation for national security. A member of the Forbes Councils, Mike shares his expertise with leaders around the world. A former Falcon Foundation trustee and longtime supporter of the Academy, Mike has given generously his time, talents and resources to strengthen the Long Blue Line. His story is one of innovation and service in uniform, in the marketplace and in his community. Mike, welcome to Long Blue Leadership. We're so glad to have you here.   Mike Ott 1:29 Naviere, thanks a ton. I'm glad to be here. Naviere Walkewicz 1:31 Yes, yes. Well, we're really excited. I mean, you're here for your 40th reunion.   Mike Ott 1:35 Yeah, it's crazy.   Naviere Walkewicz1:37 You came right in, and we're so pleased that you would join us here first for this podcast.   Mike Ott 1:39 Right on. Thanks for the time.   Naviere Walkewicz 1:41 Absolutely. Well, let's jump right in, because not many people can say at 9 years old they know what they want to do when they grew up, but you did. Mike Ott 1:48 Yeah. I guess some people can say it; might not be true, but for me, it's true, good or bad. And goodness gracious, right? Here for my 40th reunion, do the math team, and as a 9-year-old, that was 1972, And a lot was going on in the world in 1972 whether it was political unrest, Vietnam and all of that, and the Academy was in the thick of it. And so we had gone — It was our first significant family vacation. My father was a Chicago policeman. We drove in the 1968 Buick LaSabre, almost straight through. Stopped, stayed at a Holiday Inn, destination Colorado, simply, just because nobody had ever seen the mountains before. That was why. And we my parents, mom, mom and dad took myself. I have two younger sisters, Pikes Peak, Academy, Garden of the Gods, Royal Gorge. And I remember noon meal formation, and the bell going off. Guys at the time — we hadn't had women as cadets at that point in time — running out in their flight suits as I recall lining up ready to go. And for me, it was the energy, right, the sense of, “Wow, this is something important.” I didn't know exactly how important it was, but I knew it was important, and I could envision even at that age, there was they were doing good, Naviere Walkewicz 3:21 Wow. Nine years old, your family went on vacation, and it just struck you as this is important and something that I want to do. So what did that conversation look like after that experience that you had as a 9-year-old and kind of manifest this in yourself? How did that go with your parents? Mike Ott 3:36 Well, I didn't say too much about it, as I was in grammar school, but as high school hit, you know, I let my folks know what my plans were, and I had mom and dad — my mother's still alive, my father passed about a year ago. Very, very good, hard-working, ethical people, but hadn't gone to college, and we had been told, “Look, you know, you need to get an education.” They couldn't. I wish they had. They were both very, very, very bright, and so I knew college was a plan. I also knew there wasn't a lot of money to pay for it. So I'm certain that that helped bake in a few things. But as I got into high school, I set my sights. I went to public high school in Chicago, and I remember freshman year walking into my counselor's office, and said, “I want to go to the Air Force Academy,” and he kind of laughed.   Naviere Walkewicz 3:21 Really?   Mike Ott 3:22 Well, we had 700 kids in my class, and maybe 40% went on to college, right? And the bulk of them went to community college or a state school. I can count on one hand the number of folks that went to an academy or an Ivy League school or something of that. So it was it was around exposure. It had nothing to do with intelligence. It was exposure and just what these communities were accustomed to. A lot of folks went into the trades and pieces like that. So my counselor's reaction wasn't one of shock or surprise insofar as that's impossible. It was, “We haven't had a lot of people make that commitment this early on, and I'm glad to help.”   Naviere Walkewicz 5:18 Oh, I love that.   Mike Ott 5:19 Which is wonderful, and what I had known at the time, Mr. Needham...   Naviere Walkewicz 5:23 You Remember his name?   Mike Ott 5:24 Yeah, he was in the Navy Reserves. He was an officer, so he got the joke. He got the joke and helped me work through what classes to take, how to push myself. I didn't need too much guidance there. I determined, “Well, I've got to distinguish myself.” And I like to lean in. I like a headwind, and I don't mind a little bit of an uphill battle, because once you get up there, you feel great. I owe an awful lot to him. And, not the superintendent, but the principal of our school was a gentleman named Sam Ozaki, and Sam was Japanese American interned during World War II as a young man, got to of service age and volunteered and became a lieutenant in the Army and served in World War II in Europe, right, not in Asia. So he saw something in me. He too became an advocate. He too became someone that sought to endorse, support or otherwise guide me. Once I made that claim that I was going to go to the Academy. Naviere Walkewicz 6:30 Wow. So you mentioned something that really stuck with me. You said, you know, you didn't mind kind of putting yourself out there and doing the hard things, because you knew when you got to the top it was going to feel really great. Was that something you saw from your father? Was that something, there are key leaders in your life that emulated that? Or is that just something that you always had in yourself? Mike Ott 6:51 I would say there's certainly an environmental element to it — how I was raised, what I was exposed to, and then juxtaposition as to what I observed with other family members or other parts of the community where things didn't work out very well, right? And, you know, I put two and two together. y father demonstrated, throughout his entire career what it means to have a great work ethic. As did mom and, you know, big, tough Chicago cop for 37 years. But the other thing that I learned was kindness, and you wouldn't expect to learn that from the big, tough Chicago cop, but I think it was environment, observing what didn't occur very often and how hard work, if I apply myself, can create outcomes that are going to be more fulfilling for me. Naviere Walkewicz 7:48 Wow, you talked about kindness. How did you see kindness show up in your journey as a cadet at the Air Force Academy? Or did you? Mike Ott 7:58 Yeah, gosh, so I remember, started in June of 1981, OK, and still connected with many of the guys and women that with whom I went to basic training and all that. The first moment of kindness that I experienced that it was a mutual expression, but one where I recognized, “Wow, every one of us is new here. None of us has a real clue.” We might have some idea because we had somebody had a sibling or a mother that was in the military or father that went to the academy at the time, but none of us really knew, right? We were knuckleheads, right? Eighteen years old. Maybe there were a couple of prior-enlisted folks. I don't recall much of that, but I having gone to a public high school in Chicago, where we had a variety of different ethnicities. I learned how to just understand people for who they are, meet them for who they are, and respect every individual. That's how I was raised, and that's how I exhibited myself, I sought to conduct myself in high school. So I get to the Academy, and you're assigned, you know, the first couple three nights, the first few weeks before you go to Jacks Valley, you're assigned. It was all a alphabetical, and my roommate was an African American fellow named Kevin Nixon. All right, my God, Kevin Nixon, and this guy, he was built. I mean, he was rock solid, right? And he had that 1000-yard stare, right? Very intimidating. And I'm this, like, 6-foot-tall, 148-pound runner, like, holy dork, right? And I'm assigned — we're roommates, and he just had a very stoicism, or a stoic nature about him. And I remember, it was our second night at the Academy, maybe first night, I don't quite recall, and we're in bed, and it's an hour after lights out, and I hear him crying, and like, well, what do you do? Like, we're in this together. It was that moment, like we're both alone, but we're not right. He needs to know that he's not alone. So I walked around and went over his bed, and I said, “Hey, man, I miss my mom and dad too. Let's talk. And we both cried, right? And I'll tell you what, he and I were pals forever. It was really quite beautiful. And what didn't happen is he accepted my outreach, right? And he came from a very difficult environment, one where I'm certain there was far more racial strife than I had experienced in Chicago. He came from Norfolk, Virginia, and he came from — his father worked in the shipyards and really, really tough, tough, tough background. He deserved to be the Academy. He was a great guy, very bright, and so we became friends, and I tried to be kind. He accepted that kindness and reciprocated in ways where he created a pretty beautiful friendship. Naviere Walkewicz 7:48 Oh, my goodness. Thank you for sharing that story. And you got me in the feels a little bit, because I remember those nights, even you know me having family members that went through the Academy. There's just something about when you're in it yourself, and in that moment, it's raw.   Mike Ott 11:13 Raw is a good word. Naviere Walkewicz 11:15 Oh, thank you for that. So you're at the Academy and you end up doing 24 years. I don't mean to, like, mash all that into one sentence, but let's talk… Mike Ott 11:22 I didn't do very much. It was the same year repeated 24 times over. Like, not a very good learner, right? Not a very good learner. Naviere Walkewicz 11:30 Yeah, I was gonna ask, you know, in that journey, because, had you planned to do a career in the Air Force? Mike Ott 11:36 Well, I didn't know, right? I went in, eyes wide open, and my cumulative time in the Air Force is over 24 but it was only it was just shy of seven active duty, and then 22, 23, in the Reserves, right? I hadn't thought about the Reserves, but I had concluded, probably at the, oh, maybe three-year mark that I wanted to do other things. It had nothing to do with disdain, a sense of frustration or any indignation, having gone to the Academy, which I'm very, very proud of, and it meant an awful lot to who I am. But it was, “Wait, this is, this is my shot, and I'm going to go try other things.” I love ambiguity, I'm very curious. Have a growth mindset and have a perhaps paradoxical mix of being self-assured, but perhaps early on, a bit too, a bit too, what's the word I was thinking of? I wrote this down — a bit too measured, OK, in other words, risk taking. And there were a few instances where I realized, “Hey, man, dude, take some risk. What's the downside? And if it isn't you, who else?” So it was that mindset that helped me muscle through and determine that, coupled with the fact that the Air Force paid for me to go to graduate school, they had programs in Boston, and so I got an MBA, and I did that at night. I had a great commander who let me take classes during the day when I wasn't traveling. It was wonderful. It was there that I was exposed to elements of business and in financial services, which ultimately drew me into financial services when I separated from active duty. Naviere Walkewicz 13:17 Well, I love that, because first you talked about a commander that saw, “How can I help you be your best version of yourself?” And I think the other piece of financial service, because I had to dabble in that as well — the second word is service. And so you've never stopped serving in all the things that you've done. So you took that leap, that risk. Is that something that you felt developed while you're at the Academy, or it's just part of your ethos. Mike Ott 13:41 It developed. It matured. I learned how to apply it more meaningfully at the Academy after a couple, three moments, where I realized that I can talk a little bit about mentoring and then I can come back to that, but mentoring — I don't know, I don't recall having heard that term as a mechanism for helping someone develop. I'm sure we used it when I was a cadet at the Academy and out of the Academy, and having been gone through different programs and banking and different graduate programs, the term comes up an awful lot. You realize, wow, there's something there helping the next generation, but also the reciprocity of learning from that generation yourself. I didn't really understand the whole mentoring concept coming out of Chicago and getting here, and just thought things were very hierarchical, very, very command structure, and it was hit the standards or else. And that that's not a bad mindset, right? But it took me a little while to figure out that there's a goodness factor that comes with the values that we have at the Academy, and it's imbued in each one of you know, service excellence, all of those pieces. But for the most part, fellow cadets and airmen and women want to help others. I mean, it's in service. It's in our DNA. Man that blew right past me. I had no idea, and I remember at one point I was entering sophomore year, and I was asked to be a glider instructor. I'd done the soaring and jumping program over the summer, and like, “Hey, you know you're not too bad at glider. You want to be an instructor?” At the time, that was pretty big deal, yeah, glider instructors. Like, “Yeah, no, I'm not going to do that, you know? I've got to study. Like, look at my GPA.” That didn't really matter. “And I'm going to go up to Boulder and go chase women.” Like, I was going to meet women, right? So, like, but I didn't understand that, that that mechanism, that mentoring mechanism, isn't always bestowed upon a moment or a coupling of individuals. There are just good people out there that see goodness in others that want to help them through that. I had no clue, but that was a turning point for me.   Naviere Walkewicz 15:56 Because you said no.   Mike Ott 15:58 I said no, right? And it was like what, you know, a couple months later, I remember talking with somebody like, “Yep, swing and a miss,” right? But after that, it changed how I was going to apply this self-assuredness, not bravado, but willingness to try new things, but with a willingness to be less measured. Why not? Trust the system. Trust the environment that you're in, the environment that we're in, you were in, I was in, that we're representing right now, it is a trusted environment. I didn't know that. And there were a lot of environments when I was being raised, they weren't trusted environments. And so you have a sort of mental callous mindset in many ways, and that that vigilance, that sense of sentinel is a good protection piece, but it prevents, it prevents... It doesn't allow for the membrane to be permeated, right? And so that trust piece is a big deal. I broke through after that, and I figured it out, and it helped me, and it helped me connect a sense of self-assuredness to perhaps being less measured, more willing to take ambiguity. You can be self-assured but not have complete belief in yourself, OK? And it helped me believe in myself more. I still wish I'd have been glider instructor. What a knucklehead. My roommate wound up becoming one. Like, “You, son of a rat, you.”   Naviere Walkewicz 17:29 So tell me, when did the next opportunity come up where you said yes, and what did that look like in your journey? Mike Ott 17:36 I was a lieutenant. I was a lieutenant, and I was looking for a new role. I was stationed at Hanscom Field, and I was working at one program office, and I bumped — I was the athletic officer for the base with some other folks, and one of the colonels was running a different program, and he had gotten to know me and understand how I operated, what I did, and he said, “Hey, Ott, I want you to come over to my program.” And I didn't know what the program was, but I trusted him, and I did it blindly. I remember his name, Col. Holy Cross. And really good guy. And yeah, I got the tap on the shoulder. Didn't blink. Didn't blink. So that was just finishing up second lieutenant. Naviere Walkewicz 18:26 What a lesson. I mean, something that stuck with you as a cadet, and not that it manifested in regret, but you realized that you missed that opportunity to grow and experience and so when it came around again, what a different… So would you say that as you progress, then you know, because at this point you're a lieutenant, you know, you took on this new role, what did you learn about yourself? And then how did that translate to the decision to move from active duty to the Reserve and into… Mike Ott 18:56 You'll note what I didn't do when I left active duty was stay in the defense, acquisition, defense engineering space. I made a hard left turn…   Naviere Walkewicz 19:13 Intentionally.   Mike Ott 19:14 Intentionally. And went into financial services. And that is a hard left turn away from whether it's military DOD, military industrial complex, working for one of the primes, or something like that. And my mindset was, “If I'm not the guy in the military making the decision, setting strategy and policy…” Like I was an O-3. Like, what kind of policy am I setting? Right? But my point was, if I'm not going to, if I may, if I decided to not stay in the military, I wasn't going to do anything that was related to the military, right, like, “Let's go to green pastures. Set myself apart. Find ways to compete…” Not against other people. I don't think I need to beat the hell out of somebody. I just need to make myself better every day. And that's the competition that I just love, and I love it  it's greenfield unknown. And why not apply my skills in an area where they haven't been applied and I can learn? So as an active-duty person — to come back and answer your question — I had worked some great bosses, great bosses, and they would have career counseling discussions with me, and I was asked twice to go to SOS in-residence. I turned it down, you know, as I knew. And then the third time my boss came to me. He's like, “OK, what are you doing? Idiot. Like, what are you doing?” That was at Year 5. And I just said, “Hey, sir, I think I'm going to do something different.” Naviere Walkewicz 20:47 Didn't want to take the slot from somebody else.   Mike Ott 20:49 That's right. Right. And so then it was five months, six months later, where I put in my papers. I had to do a little more time because of the grad school thing, which is great. And his commander, this was a two-star that I knew as well, interviewed me and like, one final, like, “What are you doing?” He's like, “You could have gone so far in the Air Force.” And I looked at the general — he was a super-good dude. I said, “What makes you think I'm not going to do well outside of the Air Force?” And he smiled. He's like, “Go get it.” So we stayed in touch. Great guy. So it had nothing to do with lack of fulfillment or lack of satisfaction. It had more to do with newness, curiosity, a challenge in a different vein. Naviere Walkewicz 21:30 So let's walk into that vein. You entered into this green pasture. What was that experience like? Because you've just been in something so structured. And I mean, would you say it was just structured in a different way? Mike Ott 21:48 No, not structured. The industry… So, I separated, tried an engineering job for about eight months. Hated it. I was, I was development engineer at Ford Motor Company, great firm. Love the organization, bored stiff, right? Just not what I wanted to do, and that's where I just quit. Moved back to Chicago, where I'm from, and started networking and found a role with an investment bank, ABN AMRO, which is a large Dutch investment bank that had begun to establish itself in the United States. So their headquarters in Chicago and I talked fast enough where somebody took a bet on me and was brought into the investment banking arm where I was on the capital markets team and institutional equities. So think of capital markets, and think of taking companies public and distributing those shares to large institutions, pensions funds, mutual funds, family offices.   Naviere Walkewicz 22:48 So a lot of learning and excitement for you.   Mike Ott 22:51 Super fun. And so the industry is very structured. How capital is established, capital flows, very regulated. We've got the SEC, we've got the FDIC, a lot of complex regulations and compliance matters. That's very, very, very structured. But there was a free-wheelingness in the marketplace. And if you've seen Wolf of Wall Street and things like that, some of that stuff happened. Crazy! And I realized that with my attitude, sense of placing trust in people before I really knew them, figuring that, “OK, what's the downside? I get nipped in the fan once, once or twice. But if I can thrust trust on somebody and create a relationship where they're surprised that I've trusted them, it's probably going to build something reciprocal. So learn how to do that.” And as a young fellow on the desk, wound up being given more responsibility because I was able to apply some of the basic tenets of leadership that you learned and I learned at the Academy. And face it, many of the men and women that work on Wall Street or financial services simply haven't gone to the Academy. It's just, it's the nature of numbers — and don't have that experience. They have other experiences. They have great leadership experiences, but they don't have this. And you and I may take it for granted because we were just four years of just living through it. It oozed in every moment, every breath, every interaction, every dialog, it was there.But we didn't know it was being poured in, sprinkled across as being showered. We were being showered in it. But I learned how to apply that in the relationships that I built, knowing that the relationships that I built and the reputation that I built would be lasting and impactful and would be appropriate investments for the future endeavors, because there's always a future, right? So it wasn't… again, lot of compliance, lot of regulations, but just the personalities. You know, I did it for the challenge, right? I did it because I was curious. I did it because I wanted to see if I could succeed at it. There were other folks that did it simply because it was for the money. And many, some of them made it. They might have sold their soul to get there. Some didn't make it. Maybe it wasn't the right pursuit for them in the first place. And if I go back to mentoring, which we talked about a little bit, and I help young men and women, cadets or maybe even recent grads, my guidance to them is, don't chase the money, chase the environment, right? And chase the environment that allows you to find your flow and contribute to that environment. The money will come. But I saw it — I've seen it with grads. I've seen it with many of the folks that didn't make it in these roles in financial services, because I thought, “Hey, this is where the money is.” It might be. But you have to go back to the basis of all this. How are you complected? What are your values? Do they align with the environment that you're in? And can you flow in a way where your strengths are going to allow success to happen and not sell your soul? Naviere Walkewicz 26:26 Yeah, you said two things that really stood out to me in that —the first one was, you know, trusting, just starting from a place of trust and respect, because the opportunity to build a relationship faster, and also there's that potential for future something. And then the second thing is the environment and making sure it aligns with your values. Is that how you got to MOBE? Mike Ott 26:50 Yeah, I would say how I got to MOBE, that certainly was a factor. Good question.   Naviere Walkewicz 26:57 The environment, I feel, is very much aligned Mike Ott 27:00 Very much so and then… But there's an element of reputation and relationship that allowed me to get there. So now I'm lucky to be a part of this firm. We're 250 people. We will do $50 million of revenue. We're growing nicely. I've been in health care for four years. Now, we are we're more than just healthcare. I mean, it's deep data. We can get into some of that later, but I had this financial services background. I was drawn to MOBE, but I had established a set of relationships with people at different investment banks, with other families that had successfully built businesses and just had relationships. And I was asked to come on to the board because MOBE, at the time, great capabilities, but struggled with leadership during COVID. Lot of companies did. It's not an indictment as to the prior CEO, but he and the team struggled to get through COVID. So initially I was approached to come on to the board, and that was through the founders of the firm who had known me for 20 years and knew my reputation, because I'd done different things at the investment bank, I'd run businesses at US Bank, which is a large commercial bank within the country, and they needed someone that… They cared very little about health care experience, which is good for me, and it was more around a sense of leadership. They knew my values. They trusted me. So initially I was asked to come onto the board, and that evolved into, “No, let's just do a whole reset and bring you on as the CEO.” Well, let's go back to like, what makes me tick. I love ambiguity. I love a challenge. And this has been a bit of a turnaround in that great capabilities, but lost its way in COVID, because leadership lost its way. So there's a lot of resetting that needed to occur. Corpus of the firm, great technology, great capabilities, but business model adaptation, go to market mechanisms and, frankly, environment. Environment. But I was drawn to the environment because of the people that had founded the organization. The firm was incubated within a large pharmaceutical firm. This firm called Upsher-Smith, was a Minnesota firm, the largest private and generic pharmaceutical company in the country, and sold for an awful lot of money, had been built by this family, sold in 2017 and the assets that are MOBE, mostly data, claims, analysis capabilities stayed separate, and so they incubated that, had a little bit of a data sandbox, and then it matriculated to, “Hey, we've got a real business here.” But that family has a reputation, and the individuals that founded it, and then ultimately found MOBE have a reputation. So I was very comfortable with the ambiguity of maybe not knowing health care as much as the next guy or gal, but the environment I was going into was one where I knew this family and these investors lived to high ethical standards, and there's many stories as to how I know that, but I knew that, and that gave me a ton of comfort. And then it was, “We trust you make it happen. So I got lucky. Naviere Walkewicz 30:33 Well, you're, I think, just the way that you're wired and the fact that you come from a place of trust, obviously, you know, OK, I don't have the, you know, like the medical background, but there are a lot of experts here that I'm going to trust to bring that expertise to me. And I'm going to help create an environment that they can really thrive in. Mike Ott 30:47 I'm certain many of our fellow alum have been in this experience, had these experiences where a leader worth his or her salt should be comfortable not being the smartest gal or guy in the room. In fact, you should strive for that to be the case and have a sense of lack of hubris and proudly acknowledge what you don't know. But what I do know is how to set vision. What I do know is how to move people without authority. What I do know is how to resource. And that's what you do if you want to move a mission, whether it's in the military, small firm like us that's getting bigger, or, you know, a big organization. You can't know it all. Naviere Walkewicz 31:30 So something you just mentioned that I think a lot of our listeners would really like, would love a little bit to peel us back a little bit. You said, “I know how to set a vision. I know how to…” I think it was move…   Mike Ott 31:45 Move people without authority and prioritize.   Naviere Walkewicz 31:47 But can we talk a little bit about that? Because I think that is really a challenge that some of our you know younger leaders, or those early in their leadership roles struggle with. Maybe, can you talk a little bit about that? Mike Ott 32:01 For sure, I had some — again, I tried to do my best to apply all the moments I had at the Academy and the long list of just like, “What were you thinking?” But the kindness piece comes through and… Think as a civilian outside looking in. They look at the military. It's very, very, very structured, OK, but the best leaders the men and women for whom you and I have served underneath or supported, never once barked an order, OK? They expressed intent, right? And you and I and all the other men and women in uniform, if we were paying attention, right, sought to execute the mission and satisfaction of that intent and make our bosses' bosses' jobs easier. That's really simple. And many outsiders looking in, we get back to just leadership that are civilians. They think, “Oh my gosh, these men and women that are in the military, they just can't assimilate. They can't make it in the civilian world.” And they think, because we come from this very, very hierarchical organization, yes, it is very hierarchical — that's a command structure that's necessary for mission execution — but the human part, right? I think military men and women leaders are among the best leaders, because guess what? We're motivating men and women — maybe they get a pat on the back. You didn't get a ribbon, right? Nobody's getting a year-end bonus, nobody's getting a spot bonus, nobody's getting equity in the Air Force, and it's gonna go public, right? It's just not that. So the best men and women that I for whom I've worked with have been those that have been able to get me to buy in and move and step up, and want to demonstrate my skills in coordination with others, cross functionally in the organization to get stuff done. And I think if there's anything we can remind emerging graduates, you know, out of the Academy, is: Don't rely on rank ever. Don't rely on rank. I had a moment: I was a dorky second lieutenant engineer, and we were launching a new system. It was a joint system for Marines, Navy and Air Force, and I had to go from Boston to Langley quite often because it was a TAC-related system, Tactical Air Force-related system. And the I was the program manager, multi-million dollar program for an interesting radio concept. And we were putting it into F-15s, so in some ground-based situations. And there was this E-8, crusty E-8, smoked, Vietnam, all these things, and he was a comms dude, and one of the systems was glitching. It just wasn't working, right? And we were getting ready to take this thing over somewhere overseas. And he pulls alongside me, and it's rather insubordinate, but it was a test, right? He's looking at me, Academy guy, you know, second lieutenant. He was a master sergeant, and he's like, “Well, son, what are we going to do now?” In other words, like, “We're in a pickle. What are we going to do now?” But calling me son. Yeah, it's not appropriate, right? If I'd have been hierarchical and I'd relied on rank, I probably would have been justified to let him have it. Like, that's playing short ball, right? I just thought for a second, and I just put my arm around him. I said, “Gee, Dad, I was hoping you're gonna help me.” And mother rat, we figured it out, and after that, he was eating out of my hand. So it was a test, right? Don't be afraid to be tested but don't take the bait. Naviere Walkewicz 35:46 So many good just lessons in each of these examples. Can you share a time at MOBE when you've seen someone that has been on your team that has demonstrated that because of the environment you've created? Mike Ott 35:57 For sure. So I've been running the firm now for about three and a half years. Again, have adapted and enhanced our capabilities, changed the business model a bit, yet functioning in our approach to the marketplace remains the same. We help people get better, and we get paid based on the less spend they have in the system. Part of some of our principles at MOBE are pretty simple, like, eat, sleep, move, smile, all right. And then be thoughtful with your medication. We think that medicine is an aid, not a cure. Your body's self-healing and your mind controls your body.   Naviere Walkewicz 36:32 Eat, sleep, move, smile. Love that.   Mike Ott 36:35 So what's happening with MOBE, and what I've seen is the same is true with how I've altered our leadership team. I've got some amazing leaders — very, very, very accomplished. But there are some new leaders because others just didn't fit in. There wasn't the sense of communal trust that I expected. There was too much, know-it-all'ing going on, right? And I just won't have that. So the easiest way to diffuse that isn't about changing head count, but it's around exhibiting vulnerability in front of all these folks and saying, “Look, I don't know that, but my lead pharmacist here, my lead clinician here, helped me get through those things.” But I do have one leader right, who is our head of vice president of HR, a woman who grew up on a farm in southern Minnesota, who has come to myself and our president and shared that she feels liberated at MOBE because, though this firm is larger than one that she served as a director of HR, previously, she's never had to look — check her six, look right, look left and seek alignment to ensure she's harmonizing with people. Naviere Walkewicz 37:49 Can you imagine being in an environment like that? Mike Ott 38:51 It's terrible, it's toxic, and it's wrong. Leaders, within the organization, I think you're judged more by what you don't do and the actions that you don't take. You can establish trust, and you will fortify that trust when you share with the team as best you can, so long as it's nothing inappropriate, where you made a mistake, where we went wrong. What did we learn from that? Where are we going to pivot? How we're going to apply that learning to make it better, as opposed to finding blame, pointing the finger or not even acknowledging? That happens all the time, and that toxicity erodes. And regretfully, my VP of HR in prior roles experienced that, and I don't have time. Good teams shouldn't have time to rehearse the basic values of the firm. We don't have time the speed of business is like this [snaps]. So if I can build the team of men and women that trust one another, can stay in their lanes, but also recognize that they're responsible for helping run the business, and look over at the other lanes and help their fellow leaders make adjustments without the indictful comment or without sort of belittling or shaming. That's what good teams, do. You, and I did that in the Air Force, but it is not as common as you would think. Naviere Walkewicz 39:11 20 we've been talking about MOBE, and you know, the environment you're creating there, and just the way that you're working through innovation. Let's talk a little bit how you're involved with DIU, the Defense Innovation Unit. Mike Ott 39:21 Again, it's reputation in relationships. And it was probably 2010, I get a call from a fellow grad, '87 grad who was living in the Beltway, still in uniform. He was an O-5 I was an O-5. Just doing the Academy liaison work, helping good young men and women that wanted to go to the Academy get in. And that was super satisfying, thought that would be the end of my Reserve career and super fun. And this is right when the first Obama administration came in, and one of his edicts and his admin edicts was, we've got to find ways to embrace industry more, right? We can't rely on the primes, just the primes. So those were just some seeds, and along with a couple other grads, created what is now called Joint Reserve Directorate, which was spawned DIUX, which was DIU Experimental, is spawned from. So I was the owner for JRD, and DIUX as a reserve officer. And that's how we all made colonel is we were working for the chief technology officer of the Defense Department, the Hon. Zach Lemnios, wonderful fellow. Civilian, didn't have much military experience, but boy, the guy knew tech — semiconductors and areas like that. But this was the beginning of the United States recognizing that our R&D output, OK, in the aggregate, as a fund, as a percentage of GDP, whether it's coming out of the commercial marketplace or the military DoD complex, needs to be harnessed against the big fight that we have with China. We can see, you know, we've known about that for 30 years. So this is back 14 years ago. And the idea was, let's bring in men and women — there was a woman in our group too that started this area — and was like, “How do we create essential boundary span, boundary spanners, or dual-literacy people that are experiences in capital markets, finance, how capital is accumulated, innovation occurs, but then also how that applies into supporting the warfighter. So we were given a sandbox. We were given a blank slate.   Naviere Walkewicz 41:37 It's your happy place.   Mike Ott 41:38 Oh, super awesome. And began to build out relationships at Silicon Valley with commercial entities, and developed some concepts that are now being deployed with DIU and many other people came in and brought them all to life. But I was lucky enough after I retired from the Reserves as a colonel to be asked to come back as an adviser, because of that background and that experience, the genesis of the organization. So today I'm an unpaid SGE — special government employee — to help DIU look across a variety of different domains. And so I'm sure many of our listeners know it's key areas that we've got to harness the commercial marketplace. We know that if you go back into the '70s, ‘60s and ‘70s, and creation of the internet, GPS, precision munitions and all of that, the R&D dollars spent in the aggregate for the country, 95% came out of DOD is completely flip flopped today. Completely flipped. We happen to live in an open, free society. We hope to have capital markets and access a lot of that technology isn't burdened like it might be in China. And so that's the good and bad of this open society that we have. We've got to find ways. So we, the team does a lot of great work, and I just help them think about capital markets, money flows, threat finance. How you use financial markets to interdict, listen, see signals, but then also different technologies across cyberspace, autonomy, AI. Goodness gracious, I'm sure there's a few others. There's just so much. So I'm just an interloper that helps them think about that, and it's super fun that they think that I can be helpful. Naviere Walkewicz 43:29 Well, I think I was curious on how, because you love the ambiguity, and that's just something that fills your bucket — so while you're leading MOBE and you're creating something very stable, it sounds like DIU and being that kind of special employee, government employee, helps you to fill that need for your ambiguous side.   Mike Ott 43:48 You're right. You're right.   Naviere Walkewicz 43:49 Yeah, I thought that's really fascinating. Well, I think it's wonderful that you get to create that and you just said, the speed of business is this [snaps]. How do you find time in your life to balance what you also put your values around — your health — when you have such an important job and taking care of so many people? Mike Ott 44:06 I think we're all pretty disciplined at the Academy, right? I remain that way, and I'm very, very — I'm spring loaded to ‘no,' right? “Hey, do you want to go do this?” Yeah, I want to try do, I want to do a lot of things, but I'm spring loaded. So like, “Hey, you want to go out and stay, stay up late and have a drink?” “No,” right? “Do you want to do those things?” So I'm very, very regimented in that I get eight hours of sleep, right? And even somebody, even as a cadet, one of the nicknames my buddies gave me was Rip Van Ott, right? Because I'm like, “This is it.” I was a civil engineer. One of my roommates was an astro guy, and I think he pulled an all-nighter once a week.   Naviere Walkewicz 45:46 Oh, my goodness, yeah.   Mike Ott 45:50 Like, “Dude, what are you doing?” And it wasn't like he was straight As. I was clearly not straight As, but I'm like, “What are you doing? That's not helpful. Do the work ahead of time.” I think I maybe pulled three or four all-nighters my entire four years. Now, it's reflected in my GPA. I get that, but I finished the engineering degree. But sleep matters, right? And some things are just nonnegotiable, and that is, you know, exercise, sleep and be kind to yourself, right? Don't compare. If you're going to compare, compare yourself to yesterday, but don't look at somebody who is an F-15 pilot, and you're not. Like, I'm not. My roommate, my best man at my wedding, F-15 pilot, Test Pilot School, all these things, amazing, amazing, awesome, and super, really, really, happy and proud for him, but that's his mojo; that's his flow, right? If you're gonna do any comparison, compare yourself to the man or woman you were yesterday and “Am I better?”. Naviere Walkewicz 44:48 The power of “no” and having those nonnegotiables is really important. Mike Ott 45:53 Yeah, no, I'm not doing that. Naviere Walkewicz 45:56 I think sometimes we're wired for a “we can take on… we can take it on, we can take it on, we can take it on. We got this.” Mike Ott 46:03 For sure. Oh, my goodness. And I have that discussion with people on my team from time to time as well, and it's most often as it relates to an individual on the team that's struggling in his or her role, or whether it's by you know, if it's by omission and they're in the wrong role, that's one thing. If it's by commission, well, be a leader and execute and get that person out of there, right? That's wrong, but from time to time, it's by omission, and somebody is just not well placed. And I've seen managers, I can repatriate this person. I can get him or her there, and you have to stop for a second and tell that leader, “Yeah, I know you can. I'm certain that the only thing you were responsible for was to help that person fulfill the roles of the job that they're assigned. You could do it.” But guess what? You've got 90% of your team that needs care, nurturing and feeding. They're delivering in their function, neglect, there destroys careers, and it's going to destroy the business. So don't, don't get caught up in that. Yeah. Pack it on. Pack it on. Pack it on. You're right. When someone's in the crosshairs, I want to be in the crosshairs with you, Naviere, and Ted, and all the people that you and I affiliate with, but on the day-to-day, sustained basis, right to live, you know, to execute and be fulfilled, both in the mission, the work and stay fit, to fight and do it again. You can't. You can't. And a lot of a little bit of no goes a long way. Naviere Walkewicz 47:40 That is really good to hear. I think that's something that a lot of leaders really don't share. And I think that's really wonderful that you did. I'd like to take a little time and pivot into another area that you're heavily involved, philanthropy side. You know, you've been with the Falcon Foundation. Where did you find that intent inside of you? I mean, you always said the Academy's been part of you, but you found your way back in that space in other ways. Let's talk about that. Mike Ott 48:05 Sure. Thank you. I don't know. I felt that service is a part of me, right? And it is for all of us, whether you stay in the military or not. Part of my financial services jobs have been in wealth management. I was lucky enough to run that business for US Bank in one of my capacities, and here I am now in health care, health care of service. That aligns with wanting things to be better across any other angle. And the philanthropic, philanthropic side of things — I probably couldn't say that word when I was a cadet, but then, you know, I got out and we did different volunteer efforts. We were at Hanscom Field raising money for different organizations, and stayed with it, and always found ways to have fun with it. But recognized I couldn't… It was inefficient if I was going to be philanthropic around something that I didn't have a personal interest in. And as a senior executive at US Bank, we were all… It was tacit to the role you had roles in local foundations or community efforts. And I remember sitting down with my boss, the CFO of the bank, and then the CEO, and they'd asked me to go on to a board, and it had to do with a museum that I had no interest in, right? And I had a good enough relationship with these, with these guys, to say, “Look, I'm a good dude. I'm going to be helpful in supporting the bank. And if this is a have to, all right, I'll do it, but you got the wrong guy. Like, you want me to represent the bank passionately, you know, philanthropically, let me do this. And they're like, “OK, great.” So we pivoted, and I did other things. And the philanthropic piece of things is it's doing good. It's of service for people, entities, organizations, communities or moments that can use it. And I it's just very, very satisfying to me. So my wife and I are pretty involved that way, whether it's locally, with different organizations, lot of military support. The Academy, we're very fond of. It just kind of became a staple. Naviere Walkewicz 50:35 Did you find yourself also gravitating toward making better your community where you grew up? Mike Ott 50:41 Yeah, yeah, yeah. One of my dear friends that grew up in the same neighborhood, he wound up going to the Naval Academy, and so we're we've been friends for 50 years. Seventh grade.   Naviere Walkewicz 50:53 Same counselor? Mike Ott50:54 Yeah, no. Different counselor, different high school. His parents had a little bit of money, and they, he wound up going to a Catholic school nearby. But great guy, and so he and I, he runs a business that serves the VA in Chicago, and I'm on the board, and we do an awful lot of work. And one of the schools we support is a school on the south side, largely African American students and helping them with different STEM projects. It's not going to hit above the fold of a newspaper, but I could give a rat, doesn't matter to me, seeing a difference, seeing these young men and women. One of them, one of these boys, it's eye watering, but he just found out that he was picked for, he's applying to the Naval Academy, and he just found out that he got a nomination.   Naviere Walkewicz 51:44 Oh my goodness, I just got chills.   Mike Ott 51:46 And so, yeah, yeah, right, right. But it's wonderful. And his parents had no idea anything like that even existed. So that's one that it's not terribly formal, but boy, it looks great when you see the smile on that kid and the impact on that individual, but then the impact it leaves on the community, because it's clear opportunity for people to aspire because they know this young man or this young woman, “I can do that too.” Naviere Walkewicz 52:22 Wow. So he got his nomination, and so he would start technically making class of 2030?   Mike Ott 52:27 That's right. Naviere Walkewicz 52:28 Oh, how exciting. OK Well, that's a wonderful…   Mike Ott 52:27 I hope, I hope, yeah, he's a great kid. Naviere Walkewicz 52:33 Oh, that is wonderful. So you talk about, you know that spirit of giving — how have you seen, I guess, in your journey, because it hasn't been linear. We talked about how you know progression is not linear. How have you grown throughout these different experiences? Because you kind of go into a very ambiguous area, and you bring yourself, and you grow in it and you make it better. But how have you grown? What does that look like for you? Mike Ott 53:02 After having done it several times, right, i.e. entering the fray of an ambiguous environment business situation, I developed a better system and understanding of what do I really need to do out of the gates? And I've grown that way and learn to not be too decisive too soon. Decisiveness is a great gift. It's really, really it's important. It lacks. It lacks because there are too many people, less so in the military, that want to be known for having made… don't want to be known for having made a bad decision, so they don't take that risk. Right, right, right. And so that creates just sort of the static friction, and you've just got to have faith and so, but I've learned how to balance just exactly when to be decisive. And the other thing that I know about me is I am drawn to ambiguity. I am drawn… Very, very curious. Love to learn, try new things, have a range of interests and not very good at any one thing, but that range helps me in critical thinking. So I've learned to, depending on the situation, right, listen, listen, and then go. It isn't a formula. It's a flow, but it's not a formula. And instinct matters when to be decisive. Nature of the people with whom you're working, nature of the mission, evolution, phase of the organization or the unit that you're in. Now is the time, right? So balancing fostering decisiveness is something that that's worth a separate discussion. Naviere Walkewicz 54:59 Right. Wow. So all of these things that you've experienced and the growth that you've had personally — do you think about is this? Is this important to you at all, the idea of, what is your legacy, or is that not? Mike Ott 55:13 We talked a little bit about this beforehand, and I thought I've got to come up with something pithy, right? And I really, I really don't.   Naviere Walkewicz 55:18 Yeah, you don't.   Mike Ott 55:19 I don't think of myself as that. I'm very proud of who I am and what I've done in the reputation that I have built. I don't need my name up in lights. I know the life that I'm living and the life that I hope to live for a lot longer. My legacy is just my family, my children, the mark that I've left in the organizations that I have been a part of.   Naviere Walkewicz 55:58 And the communities that you've touched, like that gentleman going and getting his nomination. I'm sure.   Mike Ott 56:04 Yeah, I don't… having been a senior leader, and even at MOBE, I'm interviewed by different newspapers and all that. Like I do it because I'm in this role, and it's important for MOBE, but I'm not that full of myself, where I got to be up in lights. So I just want to be known as a man that was trustworthy, fun, tried to meet people where they are really had flaws, and sought to overcome them with the few strengths that he had, and moved everything forward. Naviere Walkewicz 56:33 Those are the kind of leaders that people will run through fire for. That's amazing. I think that's a wonderful I mean that in itself, it's like a living legacy you do every day. How can I be better than I was yesterday? And that in itself, is a bit of your living and that's really cool. Well, one of the things we like to ask is, “What is something you're doing every day to be better as a leader?” And you've covered a lot, so I mean, you could probably go back to one of those things, but is there something that you could share with our listeners that you do personally every day, to be better? Mike Ott 57:05 Exercise and read every day, every day, and except Fridays. Fridays I take… that's like, I'll stretch or just kind of go for a walk. But every day I make it a moment, you know, 45 minutes to an hour, something and better for my head, good for my body, right? That's the process in the hierarchy of way I think about it. And then read. Gen. Mattis. And I supported Gen. Mattis as a lieutenant colonel before I wanted to and stuff at the Pentagon. And he I supported him as an innovation guy for JFCOM, where he was the commander. And even back then, he was always talking about reading is leading none of us as military leaders… And I can't hold the candle to the guy, but I learned an awful lot, and I love his mindset, and that none of us can live a life long enough to take In all the leadership lessons necessary to help us drive impact. So you better be reading about it all the time. And so I read probably an hour every night, every day.   Naviere Walkewicz 58:14 What are you reading right now?   Mike Ott 58:15 Oh, man, I left it on the plane! I was so bummed. Naviere Walkewicz 58:17 Oh, that's the worst. You're going to have to get another copy. Mike Ott 58:22 Before I came here, I ordered it from Barnes & Noble so to me at my house when I get home. Love history and reading a book by this wonderful British author named Anne Reid. And it's, I forget the title exactly, but it's how the allies at the end of World War I sought to influence Russia and overcome the Bolsheviks. They were called the interventionalists, and it was an alliance of 15 different countries, including the U.S., Britain, France, U.K., Japan, Australia, India, trying to thwart, you know, the Bolshevik Revolution — trying to thwart its being cemented. Fascinating, fascinating. So that's what I was reading until I left it on the plane today. Naviere Walkewicz 59:07 How do you choose what to read? Mike Ott 59:10 Listen, write, love history. Love to read Air Force stuff too. Just talk to friends, right? You know, they've learned how to read like me. So we get to talk and have fun with that. Naviere Walkewicz 59:22 That's great. Yeah, that's wonderful. Well, the last question I'd like to ask you, before I want to make sure you have an opportunity to cover anything we didn't, is what is something you would share with others that they can do to become better leaders? Maybe they start doing it now, so in the future, they're even stronger as a leader. Mike Ott 59:42 Two things I would say, and try to have these exist in the same breath in the same moment, is have the courage to make it try and make it better every day, all right, and be kind to yourself, be forgiving. Naviere Walkewicz 59:59 That's really powerful. Can you share an example? And I know I that's we could just leave it there, but being courageous and then being kind to yourself, they're almost on two opposite sides. Have you had, can you share an example where I guess you've done that right? You had to be you were courageous and making something better, and maybe it didn't go that way, so you have to be kind to yourself. Mike Ott 1:00:23 Yeah, happy to and I think any cadet will hear this story and go like, “Huh, wow, that's interesting.” And it also plays with the arc of progress isn't linear. I graduated in '85 went to flight school, got halfway through flight school, and there was a RIF, reduction in force. And our class, our flight class, I was flying jets, I was soloing. I was academically — super easy, flying average, right? You know, I like to joke that I've got the fine motor skills of a ham sandwich, right? You know, but, but I didn't finish flight school. And you think about this, here it is. I started in 1981 there were still vestiges of Vietnam. Everyone's going to be a fighter pilot. Kill, kill, kill. Blood makes the grass grow. All of that was there. And I remember when this happened, it was very frustrating for me. It was mostly the major root of frustration wasn't that I wasn't finishing flight school. It was the nature by which the determination that I wasn't finishing was made. And it was, it was a financial decision. We had too many guys and gals, and they were just finding, you know, average folks and then kicking them out. So our class graduated a lower percent than, I think, in that era, it was late '85, '86, maybe '87, but you can look at outflows, and it was interesting, they were making budget cuts. So there was a shaming part there, having gone to the Academy.   Naviere Walkewicz 1:02:02 And knowing since 9 years old. Mike Ott 1:20:04 Right, right, right, and I knew I wanted to go the Academy. I'd like to fly, let's check it out and see if it's for me. I would much rather have been not for me, had I made the decision I don't want to do this or that I was just unsafe and didn't want to do it. The way it turned out is, and this is where I learned a little bit about politics as well. In my class, again, I was very average. Like, nobody's ever going to say, like, yeah, I was going to go fly the Space Shuttle. Like, no way, right? Very, very average, but doing just fine. And a lot of guys and gals wanted to go be navigators, and that's great. I looked in the regs, and I learned this as a cadet, and it's helped me in business, too. If there's a rule, there's a waiver. Like, let me understand the regs, and I asked to go to a board. Instead of just submitting a letter to appeal, I asked to go to a board. And so I went to a board of an O-5 five, couple of threes O-4 four, and ultimately shared the essence of why I shouldn't be terminated in the program. And son of a gun, they agreed, and I still have the letter. The letter says, “Recommend Lt. Ott for reinstatement.” Nobody in my class has that letter, nobody makes the appeal. And I'm like, I'm going downstream. I'm going downstream. And that's the Chicago in me, and that's the piece about… but also move forward, but forgive yourself, and I'll get to that. And so I, I was thrilled, My goodness, and the argument I had is, like, look, you're just not keeping me current. You put me in the sim, and then you're waiting too long to put me in the jet. The regs don't allow for that. And like, you're right. So I'm assigned to go back to the jet. My pals are thrilled. I'm going to stay in the same class. I don't have to wash back. And then I get a call from the DO's office — director of operations — and it was from some civilian person so the DO overrode the board's decision. Heartbreaking. Heartbreaking.   Naviere Walkewicz 1:04:12 You were so high, you did all of your work. And then… Mike Ott 1:04:15 Yeah, and then heartbreaking and frustrating, and I guess the word is indignant: anger aroused through frustration. In that I figured it out. I knew exactly what's happening. I made the appeal and I won. And it wasn't I was expecting to be assigned to fly a fighter. It was like, “Just let me, let me express the merits of my capabilities. It's how the system is designed.” The son of a gun, I jumped in my car and I ran to base and I waited and reported in. He didn't really know who I was. That's because he didn't make a decision. It was just it was that decision, and that's how life comes at you. That's just how it is. It isn't linear. So how do you take that and then say, “Well, I'm going to be kind to myself and make something out of it.” And he went through, you know, a dissertation as to why, and I asked him if I could share my views, and it's pretty candid, and I just said, If my dad were something other than the Chicago policeman, and maybe if he was a senator or general officer, I wouldn't be sitting here. That lit him up, right? That lit him up. But I had to state my views. So I knew I was out of the program. Very, very frustrating. Could have had the mayor of Chicago call. Didn't do that, right? Like, OK, I understand where this is it. That was very frustrating and somewhat shaming. But where the forgiveness comes in and be kind to yourself, is that I ran into ground. I ran into ground and drove an outcome where I still… It's a moment of integrity. I drove an outcome like, there you go. But then what do you do? Forgive yourself, right? Because you didn't do anything wrong, OK? And you pivot. And I turned that into a moment where I started cold calling instructors at the Academy. Because, hey, now I owe the Air Force five years, Air Force is looking for, you know, things that I don't want to do. And thank goodness I had an engineering degree, and I cold called a guy at a base in Hanscom. And this is another tap on the shoulder.   Naviere Walkewicz 1:06:24 That's how you got to Hanscom. Gotcha.   Mike Ott 1:06:27 There was a friend who was Class of '83, a woman who was in my squadron, who was there. Great egg. And she's like, “Hey, I was at the O Club.” Called her. I said, “Hey, help me out. I got this engineering degree. I want to go to one of these bases. Called Lt. Col. Davis, right? I met him at the O Club. I called a guy, and he's like, “Yeah, let's do this.”   Naviere Walkewicz 1:06:44 Wow, I love that..   Mike Ott 1:06:46 It was fantastic So it's a long winded way, but progress isn't linear. And progressing through that and not being a victim, right, recognizing the conditions and the environment that I could control and those that I can't. Anything that I could control, I took advantage of and I sought to influence as best possible. Ran into ground and I feel great about it, and it turns out to be a testament of one of my best successes. Naviere Walkewicz 1:07:17 Wow. Thank you for sharing

Coach Dan Engelstad shares his journey from growing up in Bethesda, Maryland to becoming the Head Coach at Mount St. Mary's, and now being an Assistant Coach at Syracuse.Engelstad played basketball at St. Mary's College (D3) in Maryland prior to embarking on a college basketball coaching career. After serving on Coach Milan Brown's coaching staffs at Mount St. Mary's and Holy Cross, he was named the Head Coach at Southern Vermont College. He won over 75% of his games including nearly 80% of conference games in five seasons.Coach Engelstad left Southern Vermont to become the Head Coach at Mount St. Mary's. The D3 Head Coach turned D1 Head Coach led The Mount to the NCAA Tournament in his third season at the helm.On April 10, 2024 he resigned from his post at Mount St. Mary's to become an Assistant Coach at Syracuse.

It is a straight forward podcast, there's 108 Division I vs Division I college basketball games on the betting board for Monday & Greg picks & analyzes EVERY one of them!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:56-Start of picks Bradley vs St. Bonaventure 7:04-Picks & analysis for Murray St vs Omaha10:14-Picks & analysis for Northern Arizona vs Drake13:15-Picks & analysis for Southern Miss vs Buffalo16:37-Picks & analysis for Georgia St vs Eastern MI19:42-Picks & analysis for Quinnipiac vs St. John's22:56-Picks & analysis for South Alabama vs Toledo26:08-Picks & analysis for IU Indy vs Ohio State29:04-Picks & analysis for Canisius vs Dayton32:04-Picks & analysis for Texas St vs Bowling Green 35:02-Picks & analysis for Mercer vs Tennessee 37:30-Picks & analysis for Niagara vs Duquesne 40:34-Picks & analysis for Marshall vs Massachusetts 43:30-Picks & analysis for Louisiana vs Ball State46:32-Picks & analysis for Troy vs Kent State49:34-Picks & analysis for Ohio vs Arkansas State52:09-Picks & analysis for Florida vs Arizona 55:38-Picks & analysis for Rider vs Virginia57:24-Picks & analysis for James Madison vs Akron1:00:59-Picks & analysis for Old Dominion vs Miami OH1:03:37-Picks & analysis for Fairfield vs Penn State 1:06:41-Picks & analysis for Boston College vs FL Atlantic 1:09:21-Picks & analysis for Coastal Carolina vs Western Michigan 1:12:21-Picks & analysis for Youngstown St vs Pittsburgh 1:14:59-Picks & analysis for Appalachian St vs Central MI 1:18:20-Picks & analysis for Western Carolina vs Cincinnati 1:21:10-Picks & analysis for Wofford vs George Mason1:23:43-Picks & analysis for Marist vs Xavier1:26:41-Picks & analysis for Air Force vs Belmont1:29:16-Picks & analysis for Saint Peters vs Seton Hall 1:31:48-Picks & analysis for TN Tech vs Western Kentucky 1:34:33-Picks & analysis for Tarleton St vs SMU1:36:32-Picks & analysis for Cleveland St vs Loyola IL1:39:48-Picks & analysis for Hampton vs UW Milwaukee 1:42:59-Picks & analysis for Indiana St vs Charlotte 1:45:29-Picks & analysis for Detroit vs IL Chicago 1:48:21-Picks & analysis for SE Missouri St vs St. Louis1:51:25-Picks & analysis for UL Monroe vs Northern IL1:54:41-Picks & analysis for Rio Grande Valley vs Baylor1:57:28-Picks & analysis for Hofstra vs Central Florida 2:00:17-Picks & analysis for Campbell vs Wisconsin 2:02:29-Picks & analysis for Northern Dakota vs Alabama 2:04:54-Picks & analysis for UW Green Bay vs Kansas2:07:04-Picks & analysis for Utah Tech vs South Dakota 2:10:33-Picks & analysis for Samford vs Tulane2:13:26-Picks & analysis for Oakland vs Michigan 2:16:08-Picks & analysis for Fort Wayne vs Grand Canyon 2:18:57-Picks & analysis for San Jose St vs Utah2:22:10-Picks & analysis for Montana St vs Colorado 2:24:26-Picks & analysis for Idaho vs Washington St2:27:43-Picks & analysis for Villanova vs BYU2:30:19-Picks & analysis for Cal Poly vs USC2:32:17-Picks & analysis for North Dakota St vs Oregon St2:35:31-Picks & analysis for St. Thomas vs St. Mary's 2:38:27-Picks & analysis for CSU Bakersfield vs California 2:41:11-Picks & analysis for Denver vs Seattle2:43:52-Picks & analysis for Eastern Washington vs UCLA2:46:48-Start if extra games Queens NC vs Winthrop 2:51:22-Picks & analysis for Binghamton vs Syracuse 2:53:47-Picks & analysis for High Point vs Furman 2:56:58-Picks & analysis for Morgan St vs Georgetown 2:59:57-Picks & analysis for Coppin St vs Maryland 3:02:41-Picks & analysis for NC Central vs NC State3:05:29-Picks & analysis for Stetson vs Rhode Island 3:08:26-Picks & analysis for Colgate vs Michigan St3:11:12-Picks & analysis for Howard vs Missouri 3:13:59-Picks & analysis for Wagner vs VCU3:16:35-Picks & analysis for New Haven vs Connecticut 3:18:35-Picks & analysis for Southern vs Arkansas 3:21:16-Picks & analysis for Western IL vs Radford3:24:26-Picks & analysis for Lafayette vs St. Joseph's 3:27:11-Picks & analysis for Charleston So vs Virginia Tech3:29:48-Picks & analysis for Central Arkansas vs North Carolina 3:32:42-Picks & analysis for Navy vs Presbyterian 3:35:06-Picks & analysis for Delaware vs Bucknell3:37:54-Picks & analysis for Bryant vs Siena3:40:40-Picks & analysis for Long Island vs Notre Dame 3:43:57-Picks & analysis for Holy Cross vs Providence 3:46:50-Picks & analysis for MD East Shore vs Georgia Tech3:49:15-Picks & analysis for Boston U vs Northeastern 3:51:47-Picks & analysis for Bellarmine vs Georgia 3:54:34-Picks & analysis for Albany vs Marquette 3:57:20-Picks & analysis for Northwestern St vs Texas A&M3:59:59-Picks & analysis for New Hampshire vs Clemson4:02:31-Picks & analysis for Fair Dickinson vs Iowa Start4:05:48-Picks & analysis for Miss Valley St vs UAB4:08:44-Picks & analysis for Bethune Cookman vs Auburn4:11:14-Picks & analysis for West Georgia vs Nebraska 4:13:23-Picks & analysis for Mercyhurst vs Northwestern4:16:24-Picks & analysis for New Orleans vs TCU4:19:23-Picks & analysis for Lehigh vs Houston 4:21:53-Picks & analysis for Gardner Webb vs Minnesota 4:24:44-Picks & analysis for Chicago St vs DePaul4:27:26-Picks & analysis for SE Louisiana vs Ole Miss4:30:52-Picks & analysis for Lipscomb vs Vanderbilt 4:34:23-Picks & analysis for Florida A&M vs South Florida 4:36:50-Picks & analysis for Maine vs George Washington 4:39:25-Picks & analysis for Jacksonville vs Miami4:42:30-Picks & analysis for American vs Wake Forest 4:45:12-Picks & analysis for St. Francis PA vs Oklahoma 4:49:50-Picks & analysis for Jackson St vs Illinois 4:52:54-Picks & analysis for Incarnate Word vs Colorado St4:55:23-Picks & analysis for Towson vs Loyola MD4:58:13-Picks & analysis for Merrimack vs South Dakota St5:00:55-Picks & analysis for So Carolina St vs Louisville 5:04:13-Picks & analysis for Texas Southern vs Gonzaga 5:07:36-Picks & analysis for Ark Pine Bluff vs Washington 5:11:08-Picks & analysis for USC Upstate vs Cal Baptist Hosted by Simplecast, an AdsWizz company. 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The start of the 2025–26 season is almost upon us. Billy and Kevin take stock of Providence's two exhibition games, including the strong play of Duncan Powell and freshman Jamier Jones. The guys also talk about their biggest concerns heading into the season, what they feel most confident about, and what they'd like to see against Holy Cross in Monday's opener.

In his latest teaching episode, Bishop Wack concludes his discussion on the Congregation of Holy Cross, the religious order that formed him as a priest. He details his four ministry placements and current role as Bishop of the Diocese of Pensacola-Tallahassee and emphasizes the importance of obedience and flexibility in his assignments, which included Colorado Springs, Notre Dame, Phoenix, and Austin.

St. Paul has not yet reached the resurrection, but he strains forward in the life that he has from Christ right now in anticipation of the Lord's gift on the Last Day. The Lord leads His people toward that goal, working through Scripture, prayer, and suffering. The Apostle calls the Philippians to imitate him in this way of life, rather than falling prey to those who set themselves as enemies of Christ. Instead, Christians must live and stand firm as citizens of heaven, holding to the One who reigns over all things, the Lord Jesus Christ.  Rev. Dustin Beck, pastor at Holy Cross Lutheran Church in Warda, TX, joins host Rev. Timothy Appel to study Philippians 3:12-4:1.  To learn more about Holy Cross, visit holycrosswarda.com. “Letters from Prison” is a mini-series on Sharper Iron that studies Philippians, Colossians, and Philemon. Even when Paul was imprisoned for the sake of Christ, the Word of God remained unbound. The apostle's letters from prison still fill us with the same joy that his chains could never silence. Sharper Iron, hosted by Rev. Timothy Appel, looks at the text of Holy Scripture both in its broad context and its narrow detail, all for the sake of proclaiming Christ crucified and risen for sinners. Two pastors engage with God's Word to sharpen not only their own faith and knowledge, but the faith and knowledge of all who listen. Submit comments or questions to: listener@kfuo.org

Recorded 10.12.25      

Soccer leagues around the world use a promotion-and-relegation system to reward the best teams and punish the worst. We ask whether American sports fans would enjoy a similar system. (Part two of a two-part series.) SOURCES:Domonique Foxworth, sports analyst and former N.F.L. player.Stefan Szymanski, professor of sport management at the University of Michigan.Victor Matheson, professor of economics at the College of the Holy Cross. RESOURCES:"'Root, root, root for the home team" did TV kill minor league baseball in the 1950s?" by Stefan Szymanski (University of Michigan, 2025)."European and North American Sports Differences (?): A Quarter Century on," by Stefan Szymanski (Principles and Paradoxes of Sports Economics, 2024).National Pastime: How Americans Play Baseball and the Rest of the World Plays Soccer, by Stefan Szymanski and Andrew Zimbalist (2006). EXTRAS:"When Is a Superstar Just Another Employee? (Update)," by Freakonomics Radio (2025)."The Longest Long Shot," by Freakonomics Radio (2016). Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The N.F.L. is a powerful cartel with imperial desires. College football is about to undergo a financial reckoning. So maybe they should team up? (Part one of a two-part series.) SOURCES:DeMaurice Smith, former executive director of the National Football League Players Association.Domonique Foxworth, sports analyst and former N.F.L. player.Jeffrey Kessler, partner at the law firm of Winston & Strawn.Oliver Luck, sports executive and consultant.Victor Matheson, professor of economics at the College of the Holy Cross. RESOURCES:Turf Wars: The Fight for the Soul of America's Game, by DeMaurice Smith (2025)."Is there a Case for Subsidizing Sports Stadiums?" by Victor Matheson (Journal of Policy Analysis and Management, 2018). EXTRAS:"America's Hidden Duopoly," by Freakonomics Radio (2018)."Should the U.S. Merge With Mexico?" by Freakonomics Radio (2014). Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Homily from the Feast of the Exaltation of the Holy CrossThe sign of our shame has become the symbol of our hope. The Cross of Jesus is God's answer to our guilt. The Cross of Jesus is God's answer to our lack of trust. The Cross of Jesus is God's answer to evil. Mass Readings from September 14, 2025:Numbers 21:4b-9Psalm 78:1bc-2, 34-35, 36-37, 38Philippians 2:6-11 John 3:13-17