Podcasts about South Dakota

Dermatologist Dr. Leah Cardwell joins us to share how she reshaped her career in 2025 by transitioning into locum tenens work while pursuing a year‑long hair transplant fellowship. Dr. Cardwell realized she wanted more flexibility to deepen her expertise in hair loss and surgical restoration — and locums became the key that made it possible.Dr. Cardwell walks through how she balances her fellowship training in Orlando with locums assignments in Alabama and South Dakota, and how she built a schedule that supports both her professional growth and her life at home in Atlanta. She discusses the learning curve of onboarding, credentialing, and the importance of strong clinic support.Dr. Cardwell also shares her passion for serving underserved communities, her long‑term goal of opening her own practice, and how she uses her social media platform, @thedermplug, to combat misinformation and educate the public about dermatology, hair loss, and the realities of locum tenens work.Whether you're a dermatologist exploring new career paths, a physician curious about balancing locums with additional training, or simply interested in how flexibility can open new doors, Dr. Cardwell's story offers clarity, encouragement, and a refreshingly honest look at what's possible.Follow Dr. Cardwell on Instagram: @thedermplug

Across our U.S. public lands are more than 130 national monuments, each protecting a unique natural or cultural treasure. In this episode, we're diving into ten that feel a lot like visiting a national park, but without the crowds. We share a mix of places we've visited over the years, and each one surprised us with just how much they have in terms of scenery, hiking, and overall experience. From towering rock formations and remote desert canyons to cultural sites with deep historical meaning, these monuments offer many of the same “wow” moments you expect from a national park. In this episode, we talk about: Devils Tower National Monument in Wyoming and why it's always worth a stop, Grand Staircase–Escalante in Utah and its endless options for adventure, Canyon de Chelly in Arizona and one of our favorite ranger-led tours, Chiricahua National Monument and its maze of rock spires, Natural Bridges National Monument and its out-of-this-world natural beauty, Colorado National Monument as an underrated scenic gem, Bandelier in New Mexico and its fascinating cultural history, Lava Beds in California (yes, caves… again), Rainbow Bridge and its surprisingly powerful setting, and Jewel Cave in South Dakota and its incredible underground world. If you've ever felt like the national parks are getting a little too crowded, or you're just looking for new places to explore, this episode will give you a list of destinations that deserve a spot on your radar. Want more? If you enjoyed this episode, check out our recently published Substack article: 10 National Monuments That Feel Like National Parks (But Without the Crowds) Learn more about your ad choices. Visit megaphone.fm/adchoices

Marcus Quam of Reel Therapy Guide Service in Webster, South Dakota joins the JMO Podcast for this episode. Spring walleye fishing in eastern South Dakota is the topic of discussion and Marcus is a wealth of information. Aside from the river destinations the glacial lakes of eastern South Dakota are some of the very first opportunities in the midwest to target walleyes out of a boat. JT Outdoor Products - https://jtodp.comSouth Dakota Glacial Lakes - https://www.sdglaciallakes.comMarcus Quam - https://www.facebook.com/ReelTherapyGuideServicehttps://www.reeltherapyguideservice.comInstagram - https://www.instagram.com/the_jmopodcast/Facebook - https://www.facebook.com/JMOFishingPodcastWebsite - https://jmopodcast.com

This week we’re learning about someone saving wild ducklings who’s nests have been compromised and need rescuing. Madison Grimm from Second Chance Flight joins the show to tell us how she’s working with farmers to rescue ducks that have been put in danger from mowers and tillage. She tells us how it all started, what she does, and how she’s helped a bunch of waterfowl in South Dakota. Joe Henry is back and is talking about spring Rainy River fishing tactics he’s looking forward to using, and Bret, Dan and David start the show talking about new Red Lake walleye regulations, the SJR500, and more. Make sure you're “following” us on your favorite podcast streaming platform so you never miss a show, and if you like what you're hearing, leave us a rating and a review. We'd love to hear from you, and it helps us more than you know! Get our new HATS: https://fishhuntforever.myshopify.com/ Save 20% on a new OnX HUNT Membership with the code “SJR20” https://www.onxmaps.com/hunt/app/east https://fishhuntforever.com Find us on Spotify: https://open.spotify.com/show/5OVGMvd5vMvETdClc6ks6q?si=5bfeed6989d04b23 Find us on APPLE PODCASTS: https://podcasts.apple.com/us/podcast/fish-hunt-forever/id1248475232 Find us on FACEBOOK: https://www.facebook.com/fishhuntforever Follow us on INSTAGRAM: https://www.instagram.com/fish.hunt.forever/ Follow BRET on Instagram: https://www.instagram.com/bret.amundson/?hl=en Follow DAN on Instagram: https://www.instagram.com/dan_amundson/?hl=en Find us on TIKTOK: https://www.tiktok.com/@fishhuntforever Follow DAN on TIKTOK: https://www.tiktok.com/@dan.amundson Follow BRET on TIKTOK: https://www.tiktok.com/@bretamundson Take a trip to LAKE OF THE WOODS: https://lakeofthewoodsmn.com/ Take a trip to DEVILS LAKE: https://www.haybaleheights.com/index.html Get in on the Rainy River/Lake of the Woods FISH MIGRATION: https://riverbendresort.com/ Learn more about SPACE TRAILERS: https://spacetrailers.com/?srsltid=AfmBOooboQSOhbWZ18_wMvVzkAIZx0uGsJiClXI22XCheqrdD8SEIUHn https://fishhuntforever.com/feed/podcast/ The post Week 706: Saving Ducks with Second Chance Flight appeared first on Fish Hunt Forever.

Welcome to the Jesus Church in Watertown, South Dakota!Join us for service at: 500 14th Ave NW, Watertown, SD 57201 https://goo.gl/maps/WgUmDc1iH7jB8za98Our Service Times: Sunday Morning Service at 10:00 am CDT Sunday Main Service at 11:00 am CDT Wednesday Service at 7:00 pm CDTYou can find us online at: Website: https://jesuschurchsd.org/ Facebook: https://www.facebook.com/JesusChurchSD Instagram: https://www.instagram.com/jesuschurchsd/

Get 30% off your next RV Mattress at https://rvmattress.com/RVMILES with code RVMILES at checkout.  Fuel prices are climbing fast—and it could be a rough spring for RV travel. Plus, we've got the latest from the National Park Service on 2025 visitation numbers, a new overland micro-camper from  @StorytellerOverland , wildfire closures in South Dakota's Custer State Park, and a major accessibility upgrade coming to Indiana State Parks. RV shipments are down double digits to start the year, while Buc-ee's—one of the most beloved travel stops in the country—has been hit with a surprising “F” rating from the Better Business Bureau.  ****************************** Connect with RV Miles:  RV Miles Facebook Group: https://www.facebook.com/groups/rvmiles Shop the RV Miles Amazon Store: https://www.amazon.com/shop/rvmiles RV Miles Mailing List: https://rvmiles.com/mailinglist Mile Marker Membership: https://rvmiles.com/milemarkers 00:00 Headlines 00:30 Fuel Prices Surge 02:11 National Parks Visitation 02:51 RV Mattress Sponsor 03:42 Storyteller Grand Bohemian 04:51 Custer State Park Wildfire 05:28 Indiana Track Chairs 06:20 Buc-ee's BBB F Rating 07:37 RV Sales Decline Data 08:16 Homecoming Rally And Mile Markers 08:51 Wrap Up And Goodbye

Dakota Political Junkies Jean Hunhoff and Linda Duba discuss property tax reduction measures signed by the governor. Will the "largest property tax cut in South Dakota history" stand the test of time?

Prosecutors in South Dakota have dismissed charges against an Indigenous rights advocate. South Dakota Public Broadcasting’s CJ Keene reports. Charges stemming from a 2022 incident against Nick Tilsen, CEO and founder of NDN Collective, were dropped. In a statement, Tilsen said, “my freedom wasn't granted by a judge, a jury, or the settler colonial court system. My freedom was won by the people, the movement, and the ancestors.” Tilsen faced more than 25 years in prison, originally facing charges of aggravated assault on a law enforcement officer and obstruction. Ultimately, the trial resulted in a hung jury. Tilsen maintained his innocence throughout, saying the incident was an effort to watch an interaction between police and an Indigenous member of the Rapid City, S.D. community. NDN Collective spokespeople had contended the charges were excessive. In the same statement, representatives describe them as, “blatantly politically motivated effort to silence a movement leader by criminalizing his actions.” In response, Pennington County State's Attorney said, “the decision to dismiss this case was made after careful review and thoughtful consideration.” The office adds they stand by the charging decision. “While we believe the case was properly charged and presented, the jury's inability to reach a verdict was an important factor in evaluating whether further prosecution would serve the interest of justice.” A nearly empty critical care unit at Bartlett Hospital on April 7, 2020, in Juneau, Alaska. (Photo: Rashah McChesney / KTOO) Alaska will receive about $1 billion from the federal government over the next few years to improve healthcare, but millions of that depends on the legislature passing several bills aligning Alaska with best practices for rural healthcare. Alaska Native people are much more likely to live in rural areas than other Alaskans. As Alaska Public Media's Rachel Cassandra reports, a proposal to make it easier for out-of-state nurses to practice in Alaska is facing fierce pushback. When you boil it down, Alaska Hospital and Healthcare Association head Jared Kosin says joining a so-called license compact is pretty simple. He says there would be a set of criteria nurses would demonstrate. “And if they do, then they are issued a license and then they can practice in any states that use those same standards.” Proponents say joining a compact would help ease a nurse shortage across the state that is projected to worsen. Kosin says it may be simple to explain, but actually getting a bill passed to join the nurse licensure compact has been anything but. “It’s just so snagged up in politics.” The last version of the bill was introduced in 2023. It was supported by most healthcare organizations in the state, but it was opposed by nursing unions. He says that created a toxic dynamic. And this year there is new pressure on the legislature thanks to the Rural Health Transformation Program. When the Alaska Department of Health (DOH) applied for the money, it told the Centers for Medicare & Medicaid Services (CMS) the state would join the compact. The state has been directed by CMS to create compacts for other health care positions too: physicians, emergency medical services, psychologists, and physician assistants. The DOH does not know exactly how much money would be clawed back if Alaska does not pass all the required legislation, but a DOH official wrote over email that a ballpark estimate is that millions of dollars is at stake annually and tens of millions of dollars over the five years of rural funding. Shannon Davenport is a union leader and a nurse. She says there are many problems with the nursing field right now, especially workplace safety, and she doesn't think the nursing compact is the solution to them. “It’s not the golden goose. It’s not the answer to everything.” Even so, most nurses support a compact — almost 90% of nurses living in Alaska, according to a 2023 survey. The federal deadline to join the compact is at the end of 2027. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out today’s Native America Calling episode Tuesday, March 17, 2026 – Re-enactors help bring Native American perspective of the Revolutionary War to life

The Dakota Territory was created in 1861. It included what would become the states of North and South Dakota, as well as parts of what would become Wyoming and Montana. It consisted of the northernmost portion of the 1803 Louisiana Purchase.

On Today's Show: To Subscribe And Support: https://thehotshotwakeup.substack.com/Wildfires in Nebraska have burned nearly 700,000 acres this week, with the Morrill Fire now the largest in the State's history. Full update.South Dakota got a wake-up call with the Qury Fire, now 7,200 acres. The fire's management has already expressed a shortage of aviation resources due to the ongoing fires in Nebraska. The Southwest is expecting a critical fire weather event pushing in early this week, with temperatures above 100 degrees. Fire managers and Incident Management Teams are prepping for a possible wildfire outbreak. Elected officials in Colorado sent a letter to Forest Service Chief Tom Schultz, asking for more prescribed burns and forest mitigation work due to concerns over record-low snowpacks. But asking Agencies and Firefighters to put more fire on the ground in these conditions is a big ask… and still no hazard pay for these increasingly hazardous operations. A full discussion on this. When do you declare an escaped burn a wildfire? A new report from the Klamath National Forest. Plus more. THE HOTSHOT WAKE UP — Thank you to all of our paid subscribers. Your support allows us to donate generously to firefighter charities and supports all of our content. You also receive all of our article archives, more podcast episodes, Monday morning workouts, and also entered into our giveaways, plus more.

Made with Restream. Livestream on 30+ platforms at once via https://restream.ioWelcome to the Jesus Church in Watertown, South Dakota!Join us for service at: 500 14th Ave NW, Watertown, SD 57201 https://goo.gl/maps/WgUmDc1iH7jB8za98Our Service Times: Sunday Morning Service at 10:00 am CDT Sunday Main Service at 11:00 am CDT Wednesday Service at 7:00 pm CDTYou can find us online at: Website: https://jesuschurchsd.org/ Facebook: https://www.facebook.com/JesusChurchSD Instagram: https://www.instagram.com/jesuschurchsd/

Ralph spends the whole hour with progressive activist, Corbin Trent, former communications director for Alexandria Ocasio Cortez to discuss the lack of vision and the spineless leadership in the corporate Democratic Party.Corbin Trent is a co-founder of Brand New Congress and former co-director of Justice Democrats, two grassroots organizations working to elect progressive Democrats to Congress. He was the National Campaign Coordinator for the Bernie Sanders Presidential campaign, and recently served as the Communications Director for Rep. Alexandria Ocasio-Cortez. He writes about rebuilding America at AmericasUndoing.com.This is a [Democratic] Party that is led by sinecurists and apparatchiks who never look at themselves in the mirror after they lose to the most vicious, cruel, ignorant, anti-worker, anti-women, anti-environment, anti-small taxpayer, pro-war Republican Party. They never look into it. It's always: they blame the Greens or they blame some third party or Independent candidate. And they never ask themselves why as a national party did they abandon half the country, which are now called red states?Ralph NaderThe Democratic Party I think, ultimately, is leaderless because it's visionless. It doesn't really see. I don't think the Democratic Party as an entity or as an ideology has a real vision for how to go forward differently. And, therefore, it's hard to be led. It's hard to lead if you don't have a direction.Corbin TrentThe Democratic Party—like your Chuck Schumers, like your Hakeem Jeffries, and like most of the people that are elected there and in leadership positions at all, look at this system, the system of neoliberalism, and they think that somehow it's going to magically start working again. And the fact is that it's not. They have been unable so far to internalize the depth of the brokenness of this system. And then really unable to, I think, really internalize why Trump was powerful, why his messages were powerful. They want to look at it through this extremely narrow and negative lens of racism, bigotry and fear. As opposed to a complete and utter disdain for the system which is sucking from their lives and extracting from their communities. And I think that spells trouble.Corbin TrentIt's not my job as a voter to inspire myself to vote for you. It's your job as a candidate or as a party or as somebody to build a vision that inspires me to vote.Corbin TrentNews 3/13/26* This week, the New York City Council held a hearing on proposed legislation to carry out Mayor Zohran Mamdani's pledge to repossess property from “landlords who have racked up housing code violations and debt from unpaid taxes and fines.” This bill would empower the city's Department of Housing Preservation and Development to turn these buildings over to owners they deem “more responsible.” This would be an update of a program the city has tried to implement before, called “third-party transfer.” However, the council is hesitant to take this step, worrying that it could disproportionately affect small landlords that simply lack the resources to fix code violations or pay fees, as opposed to venture capital backed corporate landlords. Rosa Kelly, chief of staff to the housing commissioner, said the department “views the program as a key part of [their] broader enforcement and preservation toolkit to ensure that housing remains safe and livable for New Yorkers.” This from Gothamist.* In more local news, this week Washington D.C. Mayor Muriel Bowser released a long-awaited report on congestion traffic pricing in the District of Columbia. According to the Washington Examiner, the study was conducted in 2021 and the Mayor has delayed the release until now. Along with the release of the study, Mayor Bowser sent a letter to D.C. Council Chairman Phil Mendelson, wherein the Mayor described the “congestion pricing tax scheme,” which includes a proposed $10 charge for people entering the city, as a “bad idea,” and argued that D.C. could not be compared to Midtown Manhattan, which recently implemented a successful congestion pricing system. Democratic Socialist Councilwoman and leading Mayoral candidate Janeese Lewis-George refused to dismiss the study out of hand, writing “Now that the report is public, the Council has an opportunity to dig into the findings & explore what they could mean for the District—including opportunities to reduce congestion, improve air quality & public health, & strengthen public transit for residents across the city.”* Meanwhile, on the West Coast, a new poll shows incumbent Mayor Karen Bass drawing under 20% of the vote in the upcoming primary for her reelection campaign. While this still puts Bass in the lead, it is clearly a weak showing and would be far below the 50% threshold she would need to win to avoid a November runoff. This poll also finds former reality television star Spencer Pratt in second place with around 10% support, and councilmember Nithya Raman – who has been both endorsed and censured by DSA LA in the past – in third with just over 9%, per KTLA. The LA Mayoral race mirrors the California gubernatorial race, which features ten candidates, none of whom draws over 20% in the polls. At some point, the party will have to step in to pressure underperforming candidates to drop out and endorse more viable alternatives, but June is quickly approaching with little sign of party unity.* Speaking of the Democrats, POLITICO is out with a new story on how red state Democratic parties are undermining their best chances of toppling incumbent Republican Senators – independent populist left candidates. In Montana, former University of Montana President Seth Bodnar has launched an independent bid for Senate, with the backing of former longtime Montana Democratic Senator Jon Tester. Bodnar filed on the final day candidates could get on the ballot in the state, and on that same day, three-term incumbent Republican Senator Steve Daines announced he would not run for reelection. POLITICO describes this as “an explicit effort to keep Democrats from fielding a strong candidate of their own.” The state party however shows no interest in stepping aside to clear a path for Bodnar. A similar dynamic is unfolding in South Dakota, with the state party feuding with independent candidate Brian Bengs – who has “raised more than five times his Democratic opponent and more than any non-Republican candidate in the state in 16 years” – while in Idaho, former Democratic state lawmaker Todd Achilles is running as an independent and the state party has played their strategy close to the vest. Only in Nebraska has the state party fully thrown their weight behind the popular independent candidate Dan Osborn, who came within approximately 60,000 votes of longtime incumbent Deb Fischer in 2024 and is polling within a single point of Senator Pete Ricketts this cycle.* In Congress, Republicans have independent problems of their own. Last week, Republican Rep. Kevin Kiley announced he would register as “no party preference,” instead of as a Republican, as he seeks reelection to Congress in his newly redrawn California congressional district. Axios quotes a Kiley spokesperson who said it is “not official yet” whether he will leave the party or the conference, adding: “For now, he's just filing as an independent for his reelection campaign.” If Kiley did leave the Republican conference, it would further imperil the Republicans' razor-thin House majority, which has been continuously whittled down over the course of the 119th Congress.* Turning to foreign affairs, Reuters reports that on Sunday, Colombia held congressional elections which saw the leftist Historic Pact win the most seats in the Senate, but with only 25 out of 102 seats, the Pact will have to compete against the right-wing Democratic Center in order to form a coalition government. Democratic Center, led by ⁠former President Alvaro Uribe, won 17 seats. Ivan Cepeda, the presidential candidate of Historic Pact, called the election results a “categorical ​victory.” In the House, Democratic Center won 32 out of 182 seats, followed by the ‌Liberal ⁠Party with 31, and the Historic Pact with 29. Colombia will choose a new president in May, but according to Ariel Avila, a re-elected senator from the Green Alliance, whether that president is left or right they will likely face a “vetocracy” where “lawmakers block parties ​simply because they come from the opposing side.”* In more news from Latin America, the Center for Economic and Policy Research (CEPR) reports the right-wing government of Daniel Noboa in Ecuador has suspended the largest opposition party – the leftist Citizens' Revolution or RC – for nine months. If carried out, RC, led by former leftist president Rafael Correa, will effectively be barred from registering candidates for the 2027 local elections. CEPR Co-Director Mark Weisbrot is quoted saying “The government of President Daniel Noboa, who is strongly backed by President Trump, is trying to accelerate the destruction of what is left of democracy in Ecuador.” CEPR Director of International Policy Alex Main added “Democracy has been under attack since the presidency of Lenín Moreno (2017–2021), with not only the exclusion of political parties, but with persecution by lawfare, the imprisonment or forced exile of political opponents, and Noboa's repeated assumption of ‘emergency' powers and other abuses that have gutted civil liberties.” Recently, President Noboa has been closely collaborating with Trump and the U.S. Southern Command (SOUTHCOM) to carry out joint “lethal kinetic operations” in Ecuador.* Turning to the Middle East, NBC reports Iran is launching its ‘most intense' strikes of the war, firing some of its most advanced ballistic missiles toward Tel Aviv and Haifa and attacking multiple ships attempting passage through the blockaded Straits of Hormuz. Additionally, reports are trickling out through the Israeli press, which operates under military censorship, about high-profile targets being hit inside the country. The Jewish Chronicle confirms Binyah Hevron, son of Israeli finance minister Bezalel Smotrich was wounded by a Hezbollah rocket, with shrapnel penetrating his back and abdomen, while Yahoo News has debunked rumors that an Iranian missile strike killed Israeli National Security Minister Itamar Ben-Gvir. Officially, over 1,200 have been killed by Israeli and American strikes in Iran, according to the Iranian Red Crescent Society, while 570 have been killed in Lebanon. Retlatiatory strikes by Iran have killed 13 in Israel.* Meanwhile, a new wrinkle has emerged in the Paramount-Warner Bros. Discovery deal. Last week, Variety reported that Democratic Senators Elizabeth Warren and Richard Blumenthal have been raising the alarm about financing for this deal coming from Gulf states, including the Qatar Investment Authority, the Abu Dhabi Investment Authority and Saudi Arabia's Public Investment Fund. This duo have called for the Committee on Foreign Investment in the United States – an interagency body that reviews foreign investments in American businesses for potential national security risks – to review the deal. Warren told the industry trade publication, “Given the cloud of corruption surrounding the Trump administration's review of this deal from Day One, it's no surprise that Trump's Treasury Department is sticking its head in the sand instead of investigating the national security risks of $24 billion from Middle Eastern sovereign wealth funds apparently flooding this deal. It's American consumers who will pay the price. Thanks to Donald Trump, a Paramount-Warner Bros. merger could mean higher prices and fewer choices, and might allow foreign actors to control what's on our screens or access our private viewing information.” Ironically, the Trump administration's warlike actions in Iran may have inadvertently solved this problem. Gizmodo reports that the Gulf states are now “reviewing current and future investment commitments in order to alleviate some of the anticipated economic strain from the current war.” It is unclear what would happen if the Gulf states rescinded their financing of this deal, seeing as Paramount is the buyer preferred by the Trump administration and has already paid the $2.8 billion “break-up” fee to Netflix stipulated by their previous agreement with WBD.* Finally, a new Pew poll reveals a troubling reality of contemporary American life. According to the poll, which asked people around the world to rate the morality and ethics of others in their country, 53% of U.S. adults say their fellow Americans have bad morals and ethics. While that may not sound so stark, Pew notes that the United States is the only country they surveyed where more adults described the morality and ethics of others living in the country as bad rather than good, with only 47% saying the latter. Turkey came up second, with 51% saying good and 49% saying bad. Pew is careful to state that they have never conducted a poll on this question before, meaning they cannot say whether this is a reflection of long-held beliefs among Americans or a new phenomenon, but it could be the result of long-term trends related to political polarization and the decline in interpersonal trust over the past several decades. Whatever the reasons behind this fact, it presents a formidable problem for political leaders. How can one unify a country wherein the people do not trust one another or even believe that their neighbors are morally and ethically upstanding individuals? Surely there must be a way forward, but what that is I cannot say.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Wildfires are also out of control in South Dakota and Kansas at this time.

Here we go with the second part of this month’s new release series, and it’s a barnburner! Besides the usual Rum Bar Records showcase, there’s also a later set devoted to Dammit Records’ monthly Dam-Nations series. There are two full sets of ferocious female rock and roll, a ton of great submitted tunes, and all sorts of newly discovered garage rock. Oh yeah, and brand new music (as usual) from South Dakota legends Friends of Cesar Romero! What tracks are your faves? For more info, including setlists head to http://scotthudson.blogspot.com

Big news out of South Dakota, fertility fraud is now a felony! Learn more about how Them Before Us played a part in inspiring this legislation, sponsored by SD Representative Terri Jorgenson, and what it means for children's rights. See more from Rep. Jorgenson at her substack here:https://sdcapitoldiary.substack.com/Terri is a proud South Dakotan with a deep-rooted connection to her community. With a strong background in military operations and public affairs, she is committed to fighting for conservative values and protecting liberties in District 29. Terri's experience as a State Committeewoman and active role in the Republican party demonstrate her dedication to serving the people of South Dakota. ---------------------In the next part of this episode, Jenn interviews Caitlyn Scott of the instagram/youtube account @WhiteSquirrelMagic on why Christians and Conservatives need to retake the arts with truth, beauty, and HUMOR to share the truth.

What the latest tensions between the United States and Iran could mean for agriculture — and why some farm groups say it strengthens the case for year-round E15 sales — are among today's top agriculture headlines. A new report also highlights the biggest soybean disease losses farmers faced in 2025. Additional agriculture policy news includes an update on legislation that would allow year-round E15 sales, developments in renewable diesel policy and a coalition of agriculture groups coming together to support uniform herbicide labeling. There are also updates on where the Farm Bill stands today. Other headlines include an update on New World screwworm, South Dakota becoming the latest state to enact a five-year ban on cell-cultured protein and decisions made by pork producers at the latest National Pork Industry Forum. In ag manufacturing news, U.S. tractor and combine sales were down in February, according to the Association of Equipment Manufacturers. If you have a bad relationship with weeds, you are not alone. Ron Geiss, market development specialist with Corteva Agriscience, describes weeds as a “thief,” stealing crop yield. As farmers prepare for the growing season, Geiss shares tips on effective weed management in today's conversation. Stay connected with us for more agriculture content on Instagram, TikTok, Facebook, and YouTube, along with our weekly videos!

Agtegra Cooperative announced that it plans to construct a new, state-of-the-art feed mill in Faulkton, South Dakota. Source: Agtegra CooperativeSee omnystudio.com/listener for privacy information.

Every Pathways, host Aaron Millar and producer Jason Paton crack open a few stories, play their favorite clips, and take you on a whirlwind preview of what's coming up on Armchair Explorer.In this episode, we'll be traveling from the craziest white water race in the world to the highest volcanoes on the planet, from ancient trade routes in Italy to the sacred storytelling landscapes of Australia and beyond.If you like travel and adventure, come and hang out, we're going to have some fun.Climb the Seven Volcanic Summits Challenge, summiting the highest volcano on every continent.Explore the fjords of Norway in search of the Northern Lights.Hike across Italy's Old Salt Road, an ancient trade route across the Apennine Mountains to the Mediterranean Sea.Descend into Wind Cave, South Dakota, one of the longest cave systems on Earth, to hear the Lakota Emergence Story.Take part in the River Nevis Race in Scotland — if Monty Python went white-water rafting, this would be it.Ready to Explore? If you're into real stories of epic places told by the people who've lived them, make sure to subscribe so you won't miss an episode of Series 4 of Armchair Explorer.Instagram: ⁠@armchairexplorerpodcast⁠Facebook: ⁠@armchairexplorerpodcast⁠⁠Armchair Explorer⁠ is produced by ⁠Armchair Productions⁠. Aaron Millar and Jason Paton presented the show, Charles Tyrie did the audio editing and sound design.Mentioned in this episode:Check out the Smart Travel PodcastThis week's show is supported by the new Smart Travel Podcast. Travel smarter — and spend less — with help from NerdWallet. Check out Smart Travel at the Link below:Smart Travel PodcastCheck out all of our other travel podcasts from around the worldThis podcast is part of the Voyascape Network, a collection of some of the world's best travel podcasts. Explore more at Voyascape.com. For advertising or sponsorship opportunities across the network, see the link below.Voyascape Podcast Network

A new report shows access to nearby nature in the U.S. is not equal and the gap is closely tied to race and income. Researchers say Indigenous communities are among those most affected. The Mountain West News Bureau's Kaleb Roedel has more. Communities of color are three times more likely than white communities to live in places with severe nature loss — fewer parks, fewer trees, more pollution. That is thanks in part to resource extraction and the rapid development of natural spaces. Researchers say that is significant for tribal areas, where land is closely tied to cultural traditions and food systems. Rena Payan with Justice Outside, which co-produced the report, says losing nearby nature isn't just about scenery. “Nature deprivation isn’t just about the aesthetics of who has access to ‘big nature.' It’s also about who has access to clean air and clean water.” The report also highlights Indigenous-led solutions. On the Navajo Nation, local groups are restoring native grasslands and wildlife habitat. In Alaska, Native organizations are protecting salmon streams and coastal ecosystems that support subsistence. Researchers say efforts grounded in Indigenous stewardship could help close what they call the nation's growing nature gap. Reliable high-speed internet is still out of reach for many tribal communities. A new report highlights ongoing barriers to broadband access in Indian Country. Daniel Spaulding has more. The report from the Urban Institute says many Indigenous communities lack reliable high-speed internet, especially in rural areas. Recent federal investments have helped expand broadband in some tribal communities, but gaps remain. Tomi Rajninger is a co-author of the report. “In certain parts of the country, especially in Indian Country and a lot of rural communities, folks have a lot less access to high speed broadband than other parts of the U.S.” The Urban Institute's Gabe Samuels says geography is one of the biggest challenges. “Because of the historic way where a lot of tribes are relocated, they’re often located in maybe more remote rural areas that are physically harder to access, it’s just kind of compounds the challenge to accessing.” Rajninger and Samuels both say allowing tribes to manage their own broadband infrastructure will be key to improving access. American bison inside a pen at Genesee Park near Golden, Colo. on March 6, 2026. (Courtesy Denver Parks and Recreation) American bison are a symbol of the West that might have vanished from this landscape entirely, if not for conservation efforts. As KJZZ's Gabriel Pietrorazio reports, the city of Denver donates bison from a long-established herd to tribes and nonprofits each year. Snow powdered the 34 bison inside a pen while tribes blessed them. Eleven went to the Navajo Nation. The rest were sent to the Northern Cheyenne Tribe, a Lakota nonprofit, Buffalo First, in South Dakota, and the Denver-based Tall Bull Memorial Council. This keystone species once roamed the Great Plains, but faced the brink of extinction. In 1908, the Denver Zoo had only 18 animals left in captivity, but they would help form a herd near Golden, Colo. The city has transferred more than 170 buffalo into tribal hands. (Courtesy Six Nations Iroquois Cultural Center) In New York state, more than 900 acres of land is returning to Indigenous care. The Six Nations Iroquois Cultural Center, Paul Smith's College, the Nature Conservancy, and the Adirondack Land Trust joined in the land-back partnership. The Nature Conservancy purchased 600 acres of land for $1.1 million from the college and transferred ownership to the Six Nations Iroquois Cultural Center. The cultural center will privately own and steward the land. The land trust has already transferred 300 acres of adjoining land to the cultural center. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out today’s Native America Calling episode Thursday, March 12, 2026 – Confronting a past of forced sterilization

While most Paul Bunyan Country anglers make the Rainy River Run, Dick Beardsley does the Spring SoDak Run. He talks spring walleyes in South Dakota, the upcoming softwater season and the coming end of hardwater fishing.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Made with Restream. Livestream on 30+ platforms at once via https://restream.ioWelcome to the Jesus Church in Watertown, South Dakota!Join us for service at: 500 14th Ave NW, Watertown, SD 57201 https://goo.gl/maps/WgUmDc1iH7jB8za98Our Service Times: Sunday Morning Service at 10:00 am CDT Sunday Main Service at 11:00 am CDT Wednesday Service at 7:00 pm CDTYou can find us online at: Website: https://jesuschurchsd.org/ Facebook: https://www.facebook.com/JesusChurchSD Instagram: https://www.instagram.com/jesuschurchsd/

Jenny (00:02): I think is actually thought provoking. I've seen some conversation around the idea that there was this intentional move to make white women the face of this administration and to do it in a way that is you're woefully unprepared. You maybe even are intentionally ill prepared to take the fall and that that is not a new dynamic for white men. Rebecca (01:03): She really can't talk. Jenny (01:06): Okay. I'm sorry. We had just talked, so I was not prepared for your voice to sound like that. It sounds great. It sounds great. Yeah. (01:28): I know. I know, but I still wasn't ready. I'm sorry, friend. That sucks. You sound really sorry. (01:53): Yeah. No, I like this, Rebecca. I feel like this is so much about what I've been researching and writing for my book is what I'm calling the anatomy of a missionary and looking at how white women were set up as soft power for imperialism and the gender social role that white women serve abroad. I think we're experiencing now what Emma says calls the boomerang of imperialism. And so the roles that white women have taken on in the global south for 50 years plus, we're now seeing those higher levels of power, but it's not actually ... It is levels of power, but it's mostly levels in proximity to male power that are still above those women. So they're always going to be on the sacrificial block whenever they need to be more than the white males in those positions would be, is what I think. (03:05): I would call it a position of power so long as the performance is enacted to suit power. And I just read this really great article from Carrie Twigg about how Christine Nome essentially got fired because she couldn't perform on TV well. And Trump is looking to continue to build his media empire and use propaganda to get people to continue to stand behind him, and she didn't perform well. And so it is power so long as you don't mess up, but the second that you don't align yourself with the way that power wants you to. So it's a really precarious power, I would say. Rebecca (03:56): See, I would even say, I don't think that's why she got fired. I would say that- And there was no move to find someone that's actually qualified, who had a snowball's chance of performing well on the world stage. So that's why I'm like, I don't think it is as simple as she didn't perform well. She was never going to perform well. And you knew that when you picked her. And so to me, I'm like, what's that choice actually about? It's the same thing now. I heard on the news recently that (05:09): Erica Kirk just got appointed to be the chair of the Air Force. I don't know. Some committee, some task force that has something to do with the running of something to do with the Air Force. And all of my apologies for not getting this particular thing specifically right. But my thing is, what do you know about armed forces? Nothing. It's not like you're a former retired Air Force, whatever. You're not. You know nothing about any of this. So again, you're picking someone from jump, blonde-haired, blue-eyed female who is ill-prepared from the very beginning for this very public face of a very armed forces in the middle of a war and your pick is Erica Kirk. Really? What's that set up about? (06:25): I'm just saying when it goes left and it will, just like what happened with ICE, it's going to take this turn for the worst that you won't actually recover from. Now you have a sacrificial lamb. You can say that somebody lost their job over this and it makes it look like you are doing something to address a grave wrong and you're not. (07:12): And the sad part is that I saw something recently where Stephen Smith, that sports news guy has made this comment about Kamala Harris, like if I hear her say one more time, she told you so. And the thing that I think is interesting is like, you do have these women, in this case, a black woman, who actually has the credentials to weigh in on something in proximity or juxtaposition to these white women who don't have the credentials. And what is that about? Jenny (07:56): Well, again, I think it's part of that world and the role that white women have taken on, where it's this double bind where I would say it is privileged and power, or maybe privileged without the power, but it is still sacrificial and it always will be. And I think of like the qualifications, the men, many of them aren't qualified for the roles that they're taking on, but they're likely not going to be sacrificed in the same way that the women will. And I think part of that structure is the cult of domesticity, that white women represent this demure, trad wife aesthetic. So if you get these purity culture-esque white women up there, it's going to make sense in the psyche of people that have been conditioned in Christian nationalism to see this as innocent and pure and good and not question the impacts that those women are actually having in the decisions and the actions that they're doing. Rebecca (09:14): That makes a lot of sense in the case of Pam Bonding particularly and Danielle's going Epstein, Epstein, Epstein in chat. It's about the third time. Now it's in all caps, right? (09:38): Yeah. I think it makes a lot of sense in the case of Pam Bondi in the role she took on in the Epstein hearing and her just like, "No, I won't turn around and look at these women. No, I will not acknowledge." And if in the American psyche, that face, that voice, that body saying there's nothing to see here is acceptable, then we don't have to have this conversation anymore. Rebecca (10:16): Yeah. And I'm not sure anymore quite what to do with the Epstein files. There's a lot of energy around all of this is a distraction from that. And I have a hard time in my mind trying to figure out what is in it that is so bad that you would start a war so the story doesn't come out. What I can imagine is like, "Yeah, well, that isn't new and it won't surprise anybody." So what is there that I can't imagine if that's even a fair sort of frame for this? (11:08): I think people are getting lost in the binary of it's the Epstein Files or it's something else. I think it's absolutely that in part. And what is happening right now has been a fever dream of the Christian right since at least the 1970s and apocalyptic readings of the Book of Revelation and certain interpretations that have said, "If Israel takes over all of this land, then Jesus is going to come back," was the rhetoric I grew up with. After nine eleven, it was like most exciting that war was breaking out in the Middle East because this meant that we were ushering in the kingdom of God. And so that is not, not part of it, right? When the military gets sent these letters saying that God has ordained Trump and that    Well, first I guess I would have to believe that there was or is an actual political dialogue taking place that I could potentially be a part of. And honestly, I'm not sure that I believe that.

Listen to the SF Daily podcast for today, March 12, 2026, with host Lorrie Boyer. These quick and informative episodes cover the commodity markets, weather, and the big things happening in agriculture each morning. Grain futures are influenced by energy markets, with rising energy costs pushing fertilizer values higher. Ethanol production rose to 1.120.6 million barrels a day, the highest since January 9, with significant increases in the Midwest and Gulf Coast. Ethanol inventories dropped to 25.58 million barrels. Live cattle futures faced losses, and lean hog futures weakened. Extremely dry weather in the Midwest and South Dakota poses risks of property damage and travel disruptions. Learn more about your ad choices. Visit podcastchoices.com/adchoices

VR25 - This episode is dedicated to the memory of Cricket, the 14-month-old wirehaired pointer murdered in cold blood by Kristi Noem on an unknown date in a gravel pit in South Dakota. One week after Donald Trump took now-former DHS Secretary Kristi Noem's job out to the gravel pit, Thomas, Lydia, and Matt get together for a post-mortem. After a brief amuse douche from Noem's (ahem) closest advisor, Matt plays the one excerpt from her 2024 campaign book “Not Going Back” which should have disqualified her from a Cabinet seat. (No, not that one! But we also revisit that story too and it's so much worse--and involves twice as many animals--than you may  remember.) We then review some of the most notable lowlights of Noem's time as DHS Secretary, from completely failing to understand the ancient  legal concept which allowed federal judges to release so many of the people she was illegally detaining without bond to her disturbing enthusiasm for calling US citizens concerned about killer ICE agents “domestic terrorists.” Also: why exactly did Noem lose her job last week, and where did the $220 million of our money handed over to a shell company run by her former press secretary's husband go? Finally, we take a closer look at Trump's choice to replace Noem at DHS: an Oklahoma Senator with two first names and a temper even shorter than his MMA career.  Watch this episode on YouTube! “NO GOING BACK: The Truth On What's Wrong With Politics and How to Move America Forward,” Kristi Noem (2024) DHS ad filmed at Mount Rushmore featuring Kristi Noem on horseback “Firm Tied to Kristi Noem Secretly Got Money From $220 Million DHS Ad Contracts,” Justin Elliott, Joshua Kaplan and Alex Mierjeski, ProPublica (Nov. 14, 2025) “Markwayne Mullin is for Trump--and Indian Country,” Graham Lee Brewer, High Country News (Dec. 9, 2019) “ICE Barbie Replacement Mark Mullin Makes a Killing From Trump's Wars,” Harry Thompson & Tom Latchem, March 9, 2026 “Mullin' It Over” column archives on Markwayne Mullin's Senate website Check out the OA Linktree for all the places to go and things to do!

Mount Rushmore is one of the most famous monuments in the United States. Nearly everyone can recognize the towering faces of George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln carved into the granite of the Black Hills of South Dakota. But the real story behind Mount Rushmore is far more complicated—and far more fascinating—than most people realize. In this episode of Parkography, we explore the surprising history behind America's most recognizable monument. From the unlikely idea of South Dakota historian Doane Robinson, to the larger-than-life and controversial sculptor Gutzon Borglum, to the hundreds of workers who risked their lives carving the mountain with dynamite and hand tools during the Great Depression.

Robert Miller, associate professor of law at the University of South Dakota, joins the Business Scholarship Podcast to discuss his paper Liability Management Exercises Mature. This episode is hosted by Andrew Jennings, associate professor of law at Emory University, and was edited by Alec Johnson, a law student at Emory University.

Send a textSummary: In this episode of the PIO podcast, Robert interviews Brian Townsend, a retired DEA agent and founder of Only2MG, a nonprofit focused on raising awareness about the fentanyl crisis. Brian shares his extensive experience in law enforcement and discusses the alarming rise of fentanyl-related deaths in the United States. He explains the historical context of how fentanyl became prevalent in the drug supply, its integration into other drugs, and the dangers it poses. The conversation emphasizes the need for community engagement, consistent messaging, and a holistic approach to tackling the crisis, including reducing stigma and addressing the root causes of addiction. Brian also highlights the role of organized crime in the fentanyl epidemic and the importance of collaboration between law enforcement and public health sectors to create effective solutions.Brian's Email Brian's Website Brian Townsend is a retired Supervisory Special Agent/Resident Agent in Charge with the Drug Enforcement Administration (DEA). Brian proudly served in law enforcement for 28 years; 5 years as a police officer in Joplin, Missouri, and 23 years with the DEA, where he held a variety of assignments with increasing responsibility. Within the DEA, Brian served in three different formal leadership roles, managing multiple people, programs, and resources. He worked in Corpus Christi, Texas, Little Rock, Arkansas, and Springfield, Missouri, to combat drug trafficking and reduce drug-related crime. In addition to serving in enforcement operations, Brian was assigned at the DEATraining Academy in Quantico, Virginia. There, Brian managed DEA's specializedtraining unit and developed the leadership and development training unit. Theleadership and development training unit still serves as the primary resource forleadership development throughout DEA and its extensive workforce of over10,000 personnel.Currently, Brian serves as a Law Enforcement Training Coordinator for the Mid-States Organized Crime Information Center (MOCIC), a Regional Information Sharing System (RISS) Center supporting law enforcement in nine states (Kansas, Illinois, Iowa, Missouri, Minnesota, Nebraska, North Dakota, South Dakota, and Wisconsin). He is also the founder and principal of Eagle 6 Training, providingspeaking, training, and consulting services to organizations worldwide.Brian's training expertise extends far beyond drug-related topics. He is frequentlyinvited to deliver training and presentations on a wide range of subjects, includingleadership development, cryptocurrency investigations, and the dark web. Brian'sdiverse training portfolio equips law enforcement and private organizations withthe knowledge and skills needed to address both emerging digital threats andorganizational challenges. Most recently, Brian launched Only 2mg Inc. 501(c)(3), where he leverages his extensive experience and knowledge in the field of opioids. Brian is regularly invited tThe Fresh Patch Podcast - Where Good Pets Get It. Welcome to the Fresh Patch Podcast where we talk about everything, from dog...Listen on: Apple Podcasts Support the showOur premiere sponsor, Social News Desk, has an exclusive offer for PIO Podcast listeners. Head over to socialnewsdesk.com/pio to get three months free when a qualifying agency signs up.

Dakota Political Junkies Patrick Lalley and Jonathan Ellis offer insight into what's next for Noem. We also explore the final days of the South Dakota legislative session.

Trump takes both sides on whether the Iran war will end soon; South Dakota now allows voters to challenge other voters' citizenship; Seafood groups question Trump administration's repeal of mercury emissions standards; and AARP Wyoming's growing slate of healthy fun now includes birdwatching.

Segment 1 • Many progressive politicians quote the Bible while promoting theology that contradicts it. • There is a growing divide between “nice” public Christianity and actual biblical faithfulness. • When we evaluate leaders by personality instead of doctrine, we get into trouble. Segment 2 • Why a parental rights bill failed in South Dakota—and what it reveals about cultural authority over children. • The increasing push for schools and state systems to guide children's moral and sexual formation. • The unsettling question: who really decides what your kids are taught? Segment 3 • A Michigan lawmaker leaves her political party, claiming she cannot reconcile it with Scripture. • The abortion pill is quietly expanding abortion access—even in pro-life states. • Why the abortion debate may be shifting in ways many Christians haven't noticed. Segment 4 • Radical Islamic rhetoric is openly celebrated in an American mosque. • How just war theory helps Christians evaluate modern military conflicts. • Why spiritual warfare, ideology, and global conflict may be more connected than you think. ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!

Happy Tuesday, Besties!! This week, our Question of the week is the entire episode, so here we go: What's something that you want to know the truth about? It could be anything from Aliens to South Dakota to the first baby on earth (chicken or the egg) to what ever the hell is at the bottom of the ocean. AND BOY did yall have some questions to ask!! Everything discussed here is in good fun and simply for entertainment purposes, not educational LMAO seeing as we are just two idiots with a mic so truly take everything with a grain of salt and enjoy with us!! Love ya so much, cant wait to chat with you on Thursday!! TTYL Sign up and get 10% off at https://BetterHelp.com/cacbesties #ad ---------------------- Need to Call Susan (Angel Wings and Healing Things)? Text Ellen at 704-562-3476 to book!! Make sure to tell her we sent you for a Besties only Special discount!! If you have a Creepy Account of your own you would like to submit, you can go to our Reddit (CreepsandCrimes) or email it to us at CREEPSANDCRIMES.CA@GMAIL.COM Creeps and Crimes Merch: ⁠⁠https://creepsandcrimesmerch.com/⁠⁠ Join our OG Pick Me Cult (Patreon): ⁠⁠https://patreon.com/creepsandcrimes⁠⁠ SUBSCRIBE AND SUPPORT WHEREVER YOU GET YOUR PODCASTS: - Apple Podcast: ⁠⁠https://podcasts.apple.com/us/podcast/creeps-and-crimes/id1533194848⁠⁠ - Spotify: ⁠⁠https://open.spotify.com/show/0v2kntCCfdQOSeMNnGM2b6?si=bf5c137913dd4af7⁠⁠ - Youtube: ⁠⁠https://youtube.com/@creepsandcrimespodcast?si=e6Lwuw6qvsEPBHzG⁠⁠ Business Inquiries please contact Management: ⁠⁠maggie@MRHentertainment.com⁠⁠ FOLLOW US ON SOCIALS: Creeps and Crimes Podcast - Insta: ⁠⁠https://www.instagram.com/creepsandcrimespodcast/?hl=en⁠⁠ - Facebook: ⁠⁠https://www.facebook.com/creepsandcrimespodcast/⁠⁠ - TikTok: ⁠⁠https://www.tiktok.com/@creepsandcrimes⁠⁠ Taylar Jane (True Crime Host) - Insta: @Taylarj - TikTok (True Crime Channel): @TaylarJane98 - TikTok (Personal): @TaylarJane1 Morgan Harris (Paranormal & Conspiracy Host) - Insta: @morgg.m - Tiktok: @morgg.m Want More Info? Check out our Website: ⁠⁠www.creepsandcrimespodcast.com⁠⁠ Send Us Mail & Fan Art to our PO Box!!! CREEPS AND CRIMES PODCAST PO BOX 11523 KNOXVILLE, TENNESSEE 37939 Have a Creepy Account You'd like to share and be featured on the Podcast? Email it to: ⁠⁠CreepsAndCrimes.CA@gmail.com⁠⁠ Submit it through the Portal on our Website (Listed above) or Post in on our Reddit Thread with the tag "creepy account" Love our TBB episodes and want to get in on the Action or submit an AIMS? Head over to our Reddit Community: @creepsandcrimes Need to contact us or request sources? Email us at ⁠⁠creepsandcrimespodcast@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Chronic Wasting Disease is one of the most controversial topics in modern deer management. In this episode, Russell sits down with deer breeder and CWD researcher Tim Horton to unpack the science, the politics, and the real world implications surrounding CWD.What causes CWD to spread?Are current management strategies actually working?And could genetic resistance be the key to protecting wild deer herds?This conversation dives deep into the role of selective genetics, captive deer breeding, and how science is shaping the future of whitetail management. Russell and Tim discuss how resistant genotypes may influence herd survival, the differences between wild and captive testing, and why the conversation around CWD has become so heated among hunters, biologists, and policymakers.The discussion went longer than expected, so this episode has been split into two parts. Part 2 releases next week.If you care about the future of whitetail deer, hunting, and science based wildlife management, this is a conversation you do not want to miss.Subscribe for more conversations with hunters, scientists, conservationists, and outdoor leaders.Timmy Horton: https://www.facebook.com/TimmyHortonBass/0:00 Intro0:16 Welcome to the show8:58 CWD explained in simple terms16:41 Genetic resistance in whitetail deer20:27 Research and studies on CWD in Arkansas23:14 Deer populations and management challenges25:43 Scientific disagreements and study limitations31:50 Tim Horton background in captive deer breeding34:22 Testing and monitoring deer health36:06 Captive deer vs wild deer genetics38:11 Risk discussion and public perception of CWD41:43 State responses to CWD outbreaks42:01 Real world example from South Dakota elk wintering grounds#CWD #Hunting #Conservation #DeerHunting

South Dakota Searchlight's Makenzie Huber offers insight into how the data center debate played out this legislative session.

Coach Dylan Backalar shares his journey from growing up in Michigan to becoming the Assistant Coach at South Dakota Mines.Dylan was a four year Student Manager at Ball State under Coach James Whitford and served as Head Manager during his senior year. After graduating he served as a Graduate Assistant at the University of Wisconsin-Parkside under Coach Luke Reigel, helping lead University of Wisconsin-Parkside to the D2 NCAA Tournament.Following his time in Wisconsin, Coach Backalar moved onto Rockford University where served under Coach Jeremy Reigle during the 2024-25 season. Coach Michael Iseman hired Dylan as his lone Assistant Coach at South Dakota Mines in May of 2025.

Recently, I attended a retreat at Cedar Shore in Chamberlain, South Dakota. It was a women's retreat, and all generations were present from the great grandmothers to the young mother with her baby daughter. It was a learning experience about the different generations which I would like to share with you this week and during family month.1900 to 1925: The missionary generation, the happiest, most satisfied generation, this generation values family, God, and church. 99 Nobel Peace Prizes have been won by this generation.1926 to 1945 is the sandwich generation. 50000000 in the US. They are sandwiched between boomerang children and aging parents. Family, school, church are important. This generation also believes in hard work, frugality, loyalty. Early retiring husbands are in this generation. This sandwich generation is eager to reach out to other cultures. Some joined the Peace Corps.1946 to 1964: Our baby boomers. There are 76000000 in the US. They make up 45% of the adult population. Twice as many went to college as their parents. They are against sexism. They want help with their children and parents. They are the first generation to have television. 70% of boomer women work outside the home. They waited until their 30s to have their babies. Two out of three boomer women have been divorced. They like quality projects and want lots of choices and options. They long for traditional values in raising children.1965 to 1976 are the baby busters. There are 40 million in the US. They are also called the 13th generation - generation Y. They were born during the era of cable TV, fluctuating economy, and desert storm. They are high tech, high touch, low self-esteem. They do not like planning and preparation. They are accustomed to divorce, they are survivors, and are expected to become more conservative during midlife crisis. They want connection and diversity.1977 to 1995 are the baby boomlets, also known as the millennial generation. This generation is less materialistic and more social conscious. They are highly informed. They believe religion and what parents believe is not so important. They are interested in community projects and mission endeavors. Will they become a missionary generation like their forefathers and foremothers? They may, if there are enough left in that generation to mentor them.As we reflect on the past century, it is interesting that it is the 100th anniversary of the Nobel Peace Prize. We even have a stamp to remind us about this anniversary. Mother Teresa was one of the recipients of the Nobel Peace Prize. When she was asked, how can we bring peace to the world? she answered, “Just go home and love your family.” We are not meant to do great things for God, but small things, with great love. - Mother Teresa.Warm Thoughts from the Little Home on the Prairie Over a Cup of Tea, written by Dr. Luetta G. WernerPublished in the Marion Record, March 17th, 2001.Download the Found Photo Freebie and cherish your memories of the past.Enjoy flipping through the Vintage Photo Book on your coffee table.I hope you enjoyed this podcast episode! Please follow along on this journey by going to visualbenedictions.com or following me on Instagram, Facebook, and Pinterest. You can listen to the podcast on Apple Podcast,Spotify,Stitcher, and Overcast. And don't forget to rate and review so more people can tune in! I'd greatly appreciate it.Till next time,Trina

Today, I am interviewing the operations manager for a large network of RV resorts about Workamping opportunities available in many states. If you are looking for a Workamping opportunity with variety, flexibility and room to grow, this episode will be worth your time. My guest today is James Curtis, with Travel Resorts of America. It is a company with 13 locations stretching from Florida to South Dakota. James explains how the company is evolving, with many parks transitioning to the Red Rover brand while still honoring longtime memberships. He also shares how Workampers are employed by the resorts to serve in many positions and explains what traits makes a Workamper truly great. He stressed why attitude and a sense of community matter so much, and described how some Workampers can move from entry-level positions into leadership roles. James discusses scheduling, pay, benefits, cross-training and the kinds of applicants who stand out in the hiring process. If you have ever wondered what it might be like to work at a park where teamwork matters and where there may be opportunities to move between locations, stay tuned. James offers a helpful look at what Travel Resorts of America is seeking and why his own RV Park, Gettysburg Battlefield Resort, may appeal to Workampers looking for a rewarding experience this summer. With parks across the eastern United States, plus locations in Minnesota and South Dakota, Travel Resorts of America offers a wide range of settings and job opportunities for solo Workampers, couples and even families. He said the company hires for many kinds of roles, including housekeeping, maintenance, front desk, reservations, snack bar, activities and hosting. He also made it clear that Travel Resorts values flexibility, cross-training and a positive attitude, especially from people who want to be part of a community rather than simply fill a job. James explained that all hours are paid and a free RV site plus utilities are included in the package. In fact, some workers return year after year or even move between parks within the company. For people who want to spend a season in a fun destination area while gaining experience in the campground industry, that can be an appealing combination. James encouraged interested Workampers to apply early, especially in late summer and fall when many hiring decisions are made for the following season. For more information about Workamping opportunities with Travel Resorts of America, contact the individual campground that interests you or visit the company online at www.travelresorts.com. James also said prospective applicants may email him directly at jcurtis@travelresorts.com. Today's episode is sponsored by Workamper News. Much more than just a job-listing website, when you put the tools of this professional service into action, you'll find out just how easy it can be to turn your Workamping dreams into reality. A Workamper membership opens the door to a one-stop-shop for all-things Workamping. Being the original resource for Workamping, you'll find the largest number of job listings, be able to connect with a community of Workampers, and view resources compiled by experts who have been enjoying the RV lifestyle for many years. If you're serious about leading a successful and enjoyable Workamping lifestyle, then membership is for you. Join today at www.workamper.com. Embark on new adventures today with the support of Workamper News behind you! That's all for this week's show. Next time, I will be speaking with the manager of a gun club in Idaho who is seeking a Workamper to help serve members by helping to keep the range tidy. I will have that interview on the next episode of The Workamper Show. Thank you for listening. If you like these interviews, please consider leaving a review wherever you download the episodes.

Voting rights advocates say a bill to overhaul elections could disenfranchise millions of Americans, especially Native American and other minority voters.  Among other things, the SAVE Act requires all voters to prove their U.S. citizenship, either with a passport or a birth certificate. Numerous studies show Native Americans are less likely to have a valid passport or other documents readily available that prove their place of birth than other groups. It would have major implications for mail-in ballots. The bill passed the House. President Donald Trump added new pressure on members of his own party in the Senate, saying he will not sign any other legislation until the SAVE Act clears Congress. We'll find out the details of the legislation and look ahead to how this and other measures might complicate the Midterm Elections. Allison Renville (Photo: video screen capture) We'll also hear from Allison Renville (Sisseton-Wahpeton Dakota) about her decision to suspend her campaign for governor of South Dakota. Renville was running as an independent voice in the state that also elected Kristi Noem as governor. She cites the enormous cost of running a major campaign as a deterrent to welcoming diverse political voices. GUESTS Jacqueline De León (Isleta Pueblo), senior staff attorney for the Native American Rights Fund Lenny Fineday (Leech Lake Band of Ojibwe), general counsel for the National Congress of American Indians Jaynie Parrish (Diné), executive director and founder of Arizona Native Vote Allison Renville (Sisseton and Hunkpapa Lakota and Omaha and Haudenosaunee), activist and political strategist

There's a moment before every journey begins — that flicker of anticipation when the map is still folded, the road still unknown, and the world feels impossibly wide.That's where this new season of Armchair Explorer begins.In the coming episodes we'll travel from the highest volcanoes in the world to the Arctic Circle, from ancient trade routes in Italy to the sacred storytelling landscapes of Australia. These are immersive journeys, told by the people who lived them and crafted with the cinematic sound design you've come to expect from the show.Here's a glimpse of what's ahead.Climb the Seven Volcanic Summits Challenge, summiting the highest volcano on every continent. Listen to an Aboriginal storyteller share the living stories of Uluru — a place where landscape, culture, and time are inseparable. Explore the fjords of Norway in search of the Northern Lights.Hike across Italy's Old Salt Road, an ancient trade route across the Apennine Mountains to the Mediterranean Sea.Descend into Wind Cave, South Dakota, one of the longest cave systems on Earth, to hear the Lakota Emergence Story.Road trip through Australia's Northern Territory, where the highways stretch for hundreds of miles and the outback stories grow taller with every one.Take part in the River Nevis Race in Scotland — if Monty Python went white-water rafting, this would be it.Soar on a hot air balloon ride over the Saguaro Desert and a hike through the Petrified Forest of Arizona.And lots more … These are stories of wild places, remarkable people, and the journeys that change how we see the world. So pack your headphones and join us for a new adventure every single week.Follow the show so you don't miss the first episode of the new season of Armchair Explorer!`

A friendly favor. An insidious plan. And a disappearance that would expose one of the most disturbing crimes in Sioux Falls deaf community's history.In February 2006, Darlene VanderGiesen, a beloved member of the deaf community in Sioux Falls, South Dakota, left work to meet someone she trusted. She told friends she was helping plan a Valentine's Day surprise for a mutual friend. But she never came home. Days later, investigators uncovered a trail of evidence that revealed a chilling story of jealousy, secrets, and unimaginable violence, one that would ripple through the tight-knit world she belonged to.In this episode of our LGBTQ+ true crime podcast, we explore the complicated relationships, cultural misunderstandings, and media narratives that surrounded the case. From the early panic in the deaf community to the courtroom battle that followed, this story sits at the intersection of queer history, disability, and one of the most shocking gay-related murder cases to make national headlines.Hosted by Jordi and Brad, Beers With Queers dives into chilling crimes, queer stories, and twisted justice, all with a cold one in hand.Press play, grab a drink, and join us as we uncover another dark chapter of LGBTQ+ true crime. Hosted on Acast. See acast.com/privacy for more information.

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

Enjoyed this episode or the podcast in general? Send me a text message:A freezing South Dakota night, wrenches crusted in frost, and a bomber built to bend physics and distance to its will. We take you from the flight line to the target area to unpack how the B‑1B Lancer—once a controversial Cold War project—became America's relentless conventional strike hammer during Operation Epic Fury.We break down the numbers that matter: thrust‑to‑weight at max takeoff, wing loading versus runway length, and why variable‑sweep geometry lets a half‑million‑pound aircraft leap from ice‑cold concrete, climb, and then sprint supersonic. You'll hear how GE's F101 engines survive turbine inlet temperatures above 2,500°F, why the KC‑135 and KC‑46 tanker bridge is the real backbone of global reach, and how a fly‑by‑wire boom delivering 1,200 gallons per minute turns fuel into firepower. Then we dive into penetration tactics: sweeping to 67.5 degrees for dash, riding the deck at near‑Mach to hide in terrain, and using S‑ducts and internal design to slash radar returns. The secret sauce? A Structural Mode Control System that actively damps brutal low‑level vibrations so crews can fight and the airframe can live.Inside the bays, it gets even more serious. Three rotary launchers upgraded with BRU‑56 ejectors let the Lancer carry an astonishing 24 JASSM‑ER cruise missiles, each a stealthy, 600‑plus‑mile punch against hardened targets. We trace the targeting workflow from Link‑16 tasking to programmed coordinates to that violent door snap and clean eject that sends missiles sliding into the slipstream—over and over—until command nodes and launch sites go dark. Along the way, we honor the human element: maintainers from the 28th Bomb Wing turning jets in subzero wind, crews sitting ejection seats for 34 hours, and tanker teams flying in radio silence to hold the bridge across oceans.If you care about airpower, engineering, and the hard math of global strike, this deep dive connects history, physics, and logistics into a single, razor‑sharp picture of how modern bombing actually works. Subscribe, share this episode with a friend who loves aviation, and leave a review with the one moment that shocked you most.Support the showTo help support this podcast and become a PilotPhotog ProCast member: https://www.buzzsprout.com/1555784/supportIf you enjoy this episode, subscribe to this podcast, you can find links to most podcast streaming services here: PilotPhotog Podcast (buzzsprout.com) Sign up for the free weekly newsletter Hangar Flyingwith Tog here: https://hangarflyingwithtog.com You can check out my YouTube channel for many videos on fighter planes here: https://youtube.com/c/PilotPhotog If you'd like to support this podcast via Patreon: https://www.patreon.com/PilotPhotog And finally, you can follow me on Twitter here: https://twitter.com/pilotphotog

How higher interest rates are impacting farming. Farmers who raise deer are at odds with the state of Minnesota. Organic farmers weather a tough ag economy. Cut flower industry blooms in South Dakota.

Welcome To Jesus Church in Watertown, South Dakota!Join us for service at: 500 14th Ave NW, Watertown, SD 57201 https://goo.gl/maps/WgUmDc1iH7jB8za98Our Service Times: Sunday Morning Service at 10:00 am CDT Sunday Main Service at 11:00 am CDT Wednesday Service at 7:00 pm CDTYou can find us online at: Website: https://jesuschurchsd.org/ Facebook: https://www.facebook.com/JesusChurchSD Instagram: https://www.instagram.com/jesuschurchsd/

South Dakota Representative John Shubeck is on a mission to help South Dakota be ready when Thomas Massie's PRIME Act passes. He joins me to discuss his bill as well as what other states and residents in other states can do to help with Thomas Massie's PRIME Act. Sponsor:Get Rogue Food Conference RecordingsRelevant Links:John Shubeck Legislative PageBill Page (Already Signed :facepalm: Congrats Rep. Shubeck!)

Tomi Lahren joins the Brian Kilmeade Show to pull back the curtain on the shock dismissal of Homeland Security Secretary Kristi Noem. As a South Dakota native and Noem's former intern, Tomi provides exclusive insight into the "vanity" campaign that led to Noem's downfall and why she believes the transition to Senator Markwayne Mullin is exactly what the Trump administration needs to secure the border. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In part one of Red Eye Radio with Gary McNamara and Eric Harley, Kristi Noem, the former South Dakota congresswoman and governor who has led President Trump's Department of Homeland Security in his second term, was ousted from her position on Thursday. Trump announced on Truth Social that he will nominate Sen. Markwayne Mullin, R-Okla., to replace Noem, effective March 31. Also the Republican race for the Senate in Texas heats up, defining the MAGA demographic, the latest on the war on Iran as gas prices soar, sex scandals in politics and what's left of the President's tariffs. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In September 1992, Tammy Haas was 19 and figuring out her next step in life. After attending a homecoming celebration in Yankton, South Dakota, she and her on-again-off-again boyfriend crossed the Missouri River to a farm party in Nebraska. By morning, Tammy was missing. Five days later, her body was discovered in a ravine near a golf course just across the state line. A broken neck. Conflicting statements. A trial that ended without conviction. More than thirty years later, silence still lingers in Yankton, and investigators believe there are people who know what happened that night. This Case Snapshot is dedicated to the memory of Tammy Haas. Produced by James Wolner. Research assistance by Mari Zoerb Hansen. Check out the full catalog and everything Dakota Spotlight: https://dakotaspotlight.com/ Get all episodes early, ad-free, and more. Subscribe to Spotlight PLUS: https://dakotaspotlight.com/spotlight-plus/ Sign up for the Dakota Spotlight newsletter: https://dakotaspotlight.com/newsletter/ Email: dakotaspotlight@gmail.com Facebook: https://facebook.com/groups/dakotaspotlight YouTube: https://www.youtube.com/@dakotaspotlightpodcast4800 X/Twitter: https://x.com/DakotaSpotlight Instagram: https://www.instagram.com/dakotaspotlight TikTok: https://www.tiktok.com/@dakotaspotlight Bluesky: https://bsky.app/profile/dakotaspotlight.bsky.social Proudly produced by Six Horse Media: info@sixhorsemedia.com Advertise your podcast or brand in Dakota Spotlight episodes: info@sixhorsemedia.com All content in this podcast, including audio, interviews, and soundscapes, is the property of Six Horse Media. Any unauthorized use, reproduction, or rebroadcast of this material without the express written consent of Six Horse Media is strictly prohibited. For permissions or inquiries, please contact info@sixhorsemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When a joyful young Filipino mother searching for a better life in America is killed during a South Dakota pheasant hunt, her fiancé insists it was a tragic accident. But as investigators dig deeper, they uncover a disturbing pattern: a violently jealous ex-cop, a secret vasectomy, a hidden affair, and nearly a million dollars in life insurance taken out on the victim just months before her death. What initially looked like a hunting mishap slowly unravels into a chilling story of greed, betrayal, and a man who believed his badge could help him get away with murder.Sources:1. Accident, Suicide or Murder. 2019.2. “Leonila ‘Nila' De Valle Stickney (1983-2009) - Find a Grave Memorial.” Find a Grave - Millions of Cemetery Records, https://www.findagrave.com/memorial/108733253/leonila-stickney. Accessed 10 Feb. 2026.3. “South Dakota Attorney General.” South Dakota Attorney General, https://atg.sd.gov/OurOffice/Media/pressreleasesdetail.aspx?id=1939#gsc.tab=0. Accessed 10 Feb. 2026.4. State v. Bertram. 2018, https://caselaw.findlaw.com/court/sd-supreme-court/1885713.html.5. Argus Leader, 2016, https://www.argusleader.com/story/news/2016/01/16/money-tangled-relations-center-ex-officers-murder-case/78894440/.6. People, https://people.com/crime/ex-south-dakota-police-chief-guilty-of-murdering-pregnant-fiancee-for-insurance/. Accessed 10 Feb. 2026.7. Mitchell Republic, 2016.8. Mitchell Republic, 2016.9. The Dickinson Press, 2021.10. Mitchell Republic, 2021.This Week's Episode Brought To You By:Shopify - $1 per month trial - http://shopify.com/lovemurderHers - Personalized, affordable plans for weight loss, hair, and anxiety - forhers.com/LOVEMURDERJones Road Beauty - Use code Love at jonesroadbeauty.com to get a Free Cool Gloss with your first purchase!Progressive Insurance - Discover better rates at https://www.progressive.com/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A serial rapist seals his own fate when he sends a taunting letter to police. And when a man is found dead in South Dakota, his head bashed in by a 50-pound rock, investigators go on a 20-year search for the killers.This Episode is sponsored by BetterHelpBetterHelp: Visit BetterHelp.com/COLDCASE to get 10% off your first month.Figs: Check out Wearfigs.com and use code FIGSRX for 15% off your first order!Progressive: Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.Rosetta Stone: Cold Case Files listeners can get Rosetta Stone's lifetime membership for 50% off when you go to RosettaStone.com/coldcaseSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get ad-free episodes, early release, and bonus shows⁠ Our listener David has shared with us his lifetime of paranormal experiences from both South Dakota and Connecticut, including a life-saving shove from an unseen force, a cursed childhood bedroom, and so much more!Also in this episode: Brennan accidentally annoys The Youth, Paul is called upon to help them, and we learn a little bit about the magic of Anel. Criss Anel, that is For full shownotes, head to ⁠⁠⁠⁠⁠GhostStoryGuys.com Learn more about your ad choices. Visit megaphone.fm/adchoices