Podcasts about Katera

V tem solo delu Aleš in Sašo spet izvesta štiri nove stvari! Katere? … Klikneš, poslušaš, izveš! Ti je podkast všeč? Lahko ga podpreš tukaj

Kardinali danes še zadnjič na splošni kongregaciji pred začetkom konklava, vernike so pozvali k molitvi za mir.Pred nedeljskim referendumom o privilegiranih pokojninah se je začelo predčasno glasovanje, vladni koaliciji pri utemeljevanju milijonov na pomoč priskočila tudi Nika Kovač.V Mariboru položili temeljni kamen za nov podatkovni center s superračunalnikom.Zapori v Evropski uniji so vse bolj polni. Katera kazniva dejanja prevladujejo pri nas?Friedrichu Merzu spodletela izvolitev za nemškega kanclerja, volitve bodo ponovili.Slovenski poslanci Evropske ljudske stranke pisali komisiji glede kratkoročnega oddajanja stanovanj.Šport: Inter in Barcelona drevi za prvo finalno vozovnico v nogometni Ligi prvakov.Vreme: Popoldne in jutri bo oblačno, občasno bodo krajevne padavine, ob morju tudi nevihte.Srbski študenti pozvali k razpisu predčasnih volitev – protesti po državi se nadaljujejo.Na svetovni dan boja proti astmi pozivi k večji dostopnosti zdravil zoper to bolezen.Na ministrstvu za zdravje so zanikali prirejenost javnega naročila za izvedbo projekta elektronski karton in enotni podatkovni model.

Jutri bo minilo 181 leti (16. april 1844) odkar naj bi se v Ljubljani pojavil zanimiv tlak – hrastove kocke, prepojene s posebno lesno barvo, ki naj bi bile odporne proti gnitju, črvom, zmrzali in požarom. »Poskusno so tlakovali 300 metrov dolg del Dunajske ceste, po kateri so vozili najtežji vozovi,« pravijo viri. Kdaj pa se v Ljubljani pojavi asfalt? Katera ulica je bila prva asfaltirana in zakaj? To so vprašanja, ki se jih lotimo v Torkovem kvizu s sogovornikom RObertom Rijavcem, višjem predavatelju na ljubljanski Fakulteti za gradbeništvo in geodezijo, ki uči področje projektiranja cest.

Dobrodošli v novi epizodi podcasta I AM / WE ARE ALIVE 2.0. WAKE UP!Tokrat sedimo z Blažem Oblakom – soustanoviteljem, tehničnim direktorjem in prijateljem, ki si je že več let govoril, da bo začel. Kot mnogi – je čakal na “pravi trenutek”, ki nikoli ne pride.V tej epizodi govoriva o tem, kako ravnati, ko stranke postanejo zahtevne ali ko stvari ne gredo po planih, kaj narediti, ko izgubiš kontrolo, in zakaj večina ljudi odlaša s spremembo – čeprav v sebi ve, da je čas.To ni klasičen motivacijski pogovor. To je iskren pogled v notranji boj, v bratstvo, ki te drži pokonci, in v moč odločitev, ki jih nihče drug ne more sprejeti namesto tebe.

Kako so v času, tik preden Wattsov parni stroj preide v komercialno uporabo in kapitalizem požene v povsem novo dimenzijo, videti evropske družbe? Kakšen je njihov gospodarski ustroj in zakaj razsvetljenski misleci tistega časa vedno več pozornosti namenjajo ekonomskim vprašanjem?Čeprav je ekonomska dejavnost v takšni ali drugačni obliki že tisočletja nepogrešljiv del človeških družb, se veliki misleci skozi zgodovino večinoma niso podrobneje ukvarjali s tem aspektom naših življenj. Ko ob koncu 18. stoletja izide Bogastvo narodov, najbrž prvo veliko ekonomsko delo, pa njegov avtor Adam Smith nikakor ni več osamljen v svojih razmislekih o gospodarskih vprašanjih, saj ta tudi nasploh začenjajo buriti duhove takratnih mislecev. Prav skozi oči enega od njih, znamenitega škotskega razsvetljenskega filozofa Davida Huma, se bomo v tokratnih Glasovih svetov spraševali, kakšen pravzaprav je svet 18. stoletja tik pred industrijsko revolucijo, da naenkrat zahteva vedno več premisleka o ekonomskih temah. Zakaj in kako gospodarstvo postaja vedno bolj pomemben del najbolj razvitih evropskih družb tistega časa na čelu z Veliko Britanijo ter kako sploh poteka gospodarska dejavnost preden izum parnega stroja zažene silovit in revolucionaren razvoj industrije, ki kapitalizem ponese na povsem novo raven? Katera vprašanja zaposlujejo takratne mislece in koliko je svet, ki se je rojeval takrat, še vedno svet, ki ga živimo tudi danes? To so nekatera od vprašanj, o katerih se bomo pogovarjali z dr. ekonomskih znanosti in znanosti s področja zgodovine Nevenom Borakom, piscem spremene besede k izboru iz Humovih Političnih esejev, ki so nedavno izšli pri založbi Studia Humanitatis. Oddajo je pripravila Alja Zore. Foto: Ladje in naselbina Vzhodnoindijske družbe v Bombaju, slika Samuela Scotta iz leta 1732-1733, Wikipedija, javna last Lepo vabljeni tudi k poslušanju oddaj, omenjenih v pogovoru: Trgovci in bankirji v srednjem veku ter Adam Smith: zagovornik radikalnega kapitalizma ali socialno usmerjeni humanist?

V Radijski tribuni smo pod drobnogled vzeli nujno oziroma dežurno zobozdravstveno službo v Mariboru in okolici. Ob koncih tedna in praznikih se v primeru močnega zobobola in drugih nujnih stanj lahko obrnete na dežurno službo Zdravstvenega doma Maribor, ki poleg mariborske pokriva še enajst okoliških občin. Katera pa so nujna stanja? Nujna pomoč je na voljo tudi zvečer, a je plačljiva. Koliko vas bo stal obisk in zakaj pacienti, ki ne prihajajo iz občin ustanoviteljic, plačajo več?

Kralj je vsakega učenjaka in modrijana, ki je prišel na njegov dvor, spraševal: Katera ...Iz knjige Drobne zgodbe za dušo, ki je izšla pri založbi Ognjišče.

Januar je mesec, ko naj bi narava še počivala, idealno bi bilo, če bi bila pokrita s snegom… To seveda ne pomeni, da o opravilih na našem vrtu zdaj ne bi smeli razmišljati, se pripravljati, načrtovati. Katera so opravila v mesecu januarju, kako vzgojiti lastne kalčke, da bomo imeli tudi v tem času svežo zelenjavo in kako se odločati pri nakupu semen, nova zakonodaja namreč zvito skriva genske tehnike, ste izvedeli v Svetovalnici. Naša gostja je bila Fanči Perdih, vodja prve ekološke semenarske hiše v Sloveniji, Amarant.

Če vas mika misel na enoletno potovanje okoli sveta, boste v 51. epizodi podkasta izvedeli vse o tem, kako sta to uresničila Simona in Jure Čuček. Simona in Jure Čuček sta par, ki ju združuje strast do raziskovanja sveta in odkrivanja novih kultur. Jure, ki je med potovanjem delal na daljavo, dokazuje, da je mogoče združiti profesionalno življenje s popotniškimi sanjami. Simona, navdušena raziskovalka in ljubiteljica lokalne hrane, pa prinaša toplino in radovednost v njuna doživetja. Skupaj sta se podala na enoletno potovanje, ki je postalo zgodba o življenjskih spominih, dogodivščinah in posebnih trenutkih. Simona in Jure sta svojo pustolovščino začela v Južni Ameriki, kjer sta raziskovala bogate kulture in dih jemajoče pokrajine. Njuno potovanje ju je nato vodilo do Miamija. Iz Miamija sta se podala na križarjenje po Bahamih in doživela rajske plaže, ki jih vidimo na razglednicah. Po vrnitvi na celino sta obiskala Las Vegas in se od tam z avtobusom odpravila v Los Angeles – izkušnja, ki jo opisujeta kot manj udobno, a vseeno vredno doživetja. Naslednja postaja so bili Havaji, kjer sta uživala v tropskem vzdušju, preden sta odletela v Avstralijo. Prav Avstralija je bila njun glavni cilj, saj sta želela tam pričakati novo leto. Po mesecu dni raziskovanja dežele kengurujev sta bila navdušena nad edinstveno naravo in sproščenim življenjskim slogom. Pot sta nadaljevala na Baliju, nato pa raziskovala številne azijske države. Izmed vseh destinacij ju je najbolj očarala Japonska. Tam sta uživala v izjemni hrani, raziskovala tradicije in, kot pravi Jure, uživala v odličnem pivu. _____ V tem pogovoru boste izvedeli:

Piše:Miša Gams, bereta Renato Horvat in Sanja Rejc. Pesniška zbirka Žilažili pesnice, performerke, igralke in pevke z umetniškim psevdonimom Anjuta, nadaljuje zastavljen rez, ki v podobi krvaveče rane kot posledice kirurške zareze sameva na naslovnici pesniškega prvenca Rane rane. Zbirka, sestavljena iz pesmi v obliki QR kod, ki vodijo do multimedijsko raznolikih pesniških – zvočnih, vizualnih in performativnih – utrinkov, predstavlja inovativen preplet različnih umetniških disciplin, pristopov, žanrov in sodelujočih umetnikov, ki so zaokrožili zgodbo okrog osebnih ran Anje Novak pa tudi ran, ki so se odprle v naši družbi in še vedno krvavijo. Njena druga pesniška zbirka nudi intimen pogled v takšne in drugačne rane iz vidika žile, ki preko srčnega utripa in pulziranja krvi sporoča drugi žili svojo zgodbo in to povsem intuitivno, v skladu s prepričanjem, da sta naša fizionomija in duševnost nerazdružljiv fenomen, ki vedno znova poraja nove eksplozije inspiracije in (znotraj)telesne ekstaze. Pri tem kot osrednji punctum motri nenehno spremembo in minljivost, saj tako kot po Heraklitu nihče ne stopi dvakrat v isto reko, tako tudi v skladu s pesničino filozofijo “nihče ne stopi dvakrat v isto žilo”, saj: “… tam ni več iste krvi / večnost je laž laži / koncept obljube ne zdrži / resnica je v tem / da vse beži / resnica je vsak / trenutek in / potem ga več ni / resnica je / da zdaj me srečaš / takšno in čez trenutek / zavržeš me drugačno”. In na koncu pesmi doda: “… kdo me bo ljubil tako spremenljivo / kdo me bo ljubil golo / … / Resnico.” Zdi se kot da je pisanje v zbirki Žilažili obupen poskus premagovanja groze, zevajoče skozi manko, ki ga razpira rana, ki se nikoli ne zaceli. Na tem mestu iskanja gole resnice in hkrati strahu, da bo napačno razumljena, se kot nadomestek neustrezne besede lahko znajde le še dotik. V pesmi Objemi me se sprašuje, kako streči smrti, če ne vemo nič o tem, kako streči življenju: “Še večja groza / od vseh groz / v človeku / je groza, / ko imaš čas se z grozo soočiti. //...// Dotik / je vpoklican / tam, / kjer besedi / spodleti.” Lahko bi rekli, da Anjuta v drugi zbirki še bolj razvija svojo subtilnost, ekspresivnost in telesnost, skupaj z mesenostjo pa se rana le še bolj razpira, bolečina postaja večja, oprijemljivejša pa tudi bolj ozaveščena in prizemljena v konkretnih metaforah oz. prispodobah. V pesmi s pomenljivim naslovom Baba zapiše, da je narejena iz “Ahilove kože”: “Narejena sem / iz kože na podplatu, / ki vse čuti. / Preživela sem / rod za rodom / in sem izpred / tega časa. / Moja globoka rana / so globalna vrata. / Členek sem, / na katerem se obračata / divjina in beton. / Članek sem / v National Geographicu.” Z namigovanjem na biblijski izgon ženske iz raja pripelje pesem do zanimivega preobrata, v katerem subjektka postane plen, ki ubije plenilca; Bog-inja, ki kot sumerska kača Uroboros nenehno lovi in žre samo sebe: “Nič božjega ni / na meni. / Razen njegove sence, / ko me hoče skrit / pred / svetom, / pred / teboj, / ki si svet. / Ti sam / si Bog, / ki si ga / lačna. / Jej.” Pesniška zbirka Anje Novak Anjute Žilažili je razdeljena na deset vsebinskih sklopov. Pesmi po dolžini segajo od najkrajših pesniških formulacij, imenovanih Mikrocirkulacije in se nahajajo v obširni paleti kapilar – pretočna, zadihana, cvetoča, brihtna, vročekrvna, frontna, prestreljena, sočutna, igriva, brezskrbna, radostna in počena kapilara, – pa do daljših eksperimentalnih pesmi, žalostink, molitvic in poslavljanj tako od ljubega kot od delov telesa, ki jih je zapustil pesničin alter ego. Bolezen ji pomeni le “zdrav odziv na bolan svet”, “oblika nemega političnega protesta”, ki zareže v bridko resnico o prepletenosti družbenega in individualnega telesa. V pesmi Anoreksija sprašuje “kako ravnati z rano, ki ne neha krvaveti”, v pesmi z naslovom Moja bolezen pa odsekano in malodane “robotsko” zapiše: “Moja bolezen / čas za začasno vrnitev telesa / njemu meni samemu. / Moje telo / biološki stroj, / ki ga želita služba / in družba na silno nazaj. / … / Moje telo / mašina.” Nekaj pesmi preveva izrazita družbena kritika zaradi neperspektivne stanovanjske in zaposlitvene politike, pri čemer lahko subjektka nastopa kot igralka ali kot čistilka zgolj z menjavo pravih natikačev. V pesmi Cene se razburja nad previsokimi cenami nepremičnin za mlade ter pomenljivo ugotavlja: “Kako naj tržim / svoje možgane, / da bom preživela. / Vem, da nič ne vem / in da vse znam.” V sklopu Krčne žile in krvni strdki se Anjuta poigrava z motivom starogrške Meduze ter secira moški pogled na strastno in pobesnelo žensko, pri čemer citira filozofinjo in pisateljico Hélène Cixous, ki na nekem mestu zapiše: “Moški so iz Meduze naredili pošast, / ker so se bali ženske sle in besa”, drugod pa opazimo vpliv romana Hladnokrvno Trumana Capoteja. Zdi se, da se kljub več kot stotim objavljenim pesmim, Anjuta ne more izpeti, saj se v zadnjem razdelku sprašuje “Katera pesem več obžaluje, zamolčana ali izpeta?” Pesničino krvaveče brezno kar še naprej bruha pesmi, ki druga drugo lovijo za rep, zato nas ne preseneča grafika francoskega slikarja Jeana-Léona Gérôma, objavljena na koncu zbirke, ki prikazuje golo Resnico v podobi mlade ženske, ki se z bičem v roki vzpenja iz vodnjaka z odprtimi usti v želji, da bi kaznovala človeštvo. Zbirka Žilažili Anje Novak Anjute je tako iz vsebinskega in stilističnega kot iz grafičnega vidika nekaj posebnega – je precej ožja od klasičnih knjig, poleg tega pa celotno zbirko preveva manjša luknja, skozi katero drsi gladka modra vezalka, ki jo lahko zavežemo na različne načine. V zbirki naletimo na številna drobna presenečenja, ki popestrijo tako vizualno podobo knjižice kot sámo branje. Naj namignemo, da nam kak del knjige spotoma lahko ostane v dlaneh, a ne zaradi tega, ker bi bil premalo zalepljen, temveč zato, ker se pesnica poigrava z naravo realnosti, namenskostjo posameznih stvari in dobesedno interpretacijo osebnega pečata. Ni naključje, da nas v uvodu pričaka citat pisatelja in filmskega režiserja Cliva Barkerja: “Vsak od nas je knjiga krvi; rdeči smo, kjerkoli nas odpreš.” In dejansko ima bralec oz. bralka pri prebiranju zbirke občutek, da se avtoričina zevajoča rana lahko zlepi z ranami vsakega izmed nas – tako kot se žila žili razkrije na mestu, kjer najbolj krvavi. In to je pravzaprav odlika prvinske poezije – da v nas priteka in iz nas izteka ista, a vsakič drugačna sila, ki jo lahko imenujemo tako Eros Thanatos kot tudi gola Resnica.

Jelka je hrepenela po ... še sama ni vedela po čem. Čimprej bi rada zrasla, postala velika in potem bo morda kot jambor na barki plula po svetu. ALli pa še bolje, da jo za novo leto okrasijo z lučkami in sadjem in zlato zvezdo. Katera želja se ji je izpolnila pove Andersenova pravljica Vir: Hans Christian Andersen, Pravljice, prevedel Rudolf Kresal, Mladinska knjiga, Ljubljana, 1950, bere Nataša Holy

V času študija v Rimu sem se z vlakom vračal domov. Bil sem utrujen po izpitih in želel sem si miru. Zato sem na polico v kupeju postavil dve knjigi, kot da bom bral. Ena od njih je bila slovenska. V kupeju sem se znašel še z dvema nogometašema in orožnikoma. Tik preden vlak krene, vstopi v kupe mlado dekle. Pove, da je pravkar diplomirala na igralski akademiji in sede. Eden od nogometašev, ki je bil doma ob meji, je opazil slovensko knjigo. Ko je dekle izvedelo, da sem Slovenec in da kot duhovnik nadaljujem študij v Rimu, se je začela pogovarjati z menoj. Govorila je o svoji babici, Slovenki, ki se je iz čiste ljubezni poročila z Italijanom in se preselila k njemu. Dekle je zelo ganilo, kako je skrbela za bolnega in onemoglega dedka. Babica je bila zelo dobra, verna. Držala se je vseh cerkvenih predpisov. Dlje časa je dekle potem govorila, kako je cerkveno učenje o zakonu in družini popolnoma zastarelo in neživljenjsko. Nestrinjanje je kar bruhalo iz nje. Pravo babičino nasprotje pa je bila dekletova mama. Ta ni bila zvesta možu pa tudi svoji hčerki ni stala ob strani in je ni razumela, ko ji je bilo najhujše. Do solz jo je pripeljala ta pripoved. Babica ji je stala ob strani, mama pa nikakor ne! »In sedaj,« je sklenilo dekle svojo pripoved, »ne grem k mami, ampak k babici, ker me je vedno razumela.« Tiho sem poslušal njeno življenjsko izpoved, nato sem ji dejal: »Poglej, ti greš sedaj k babici. Zavetja ti ne bo ponudila mama, ampak babica, ki se je držala krščanskega učenja o zakonu in družini!« Dekle je samo tiho prikimala. Na vsak praznik sv. družine se spomnim na to dekletovo pripoved. Zavetje ji je ponudila družina, osnovana na krščanskem nauku in ne družina, osnovana na nekrščanski ali celo protikrščanski miselnosti. V življenju sem srečal veliko srečnih ljudi, ki so izšli iz srečnih in urejenih družin. Srečal pa sem tudi veliko nesrečnih ljudi, ki so rasli v neurejenih družinah. Po nekaterih raziskavah je med mladimi največja vrednota urejena družina. Ne dvomim. Ni lepšega, kakor rasti v urejeni in ljubeči družini. Pozabljamo pa, da je osnova taki družini trden in ljubeč zakon, sklenjen pred Bogom. Zanimivo, da hrepenimo po sreči v družini, ne izpolnimo pa osnove za srečo v njej. Morda danes, ko je veliko neurejenih družin, mnogi ljudje mislijo, da je urejena in ljubeča družina nemogoča. Toda ne, je mogoča! Bog stoji ob strani družini in jo varuje, če ga prosimo za to. Na današnji praznik, ko se ustavljamo ob zgledu lepe in urejene družine, pa ne pozabimo na družine, kjer vladata trpljenje in nerazumevanje. Tudi ljudje iz takih skupnosti so Bogu dragoceni, saj njegova ljubezen nikogar ne izključuje.

Pirotehnični izdelki so, če nam je to všeč ali ne, redni spremljevalci božično-novoletnih praznovanj. Vsako leto poročajo tudi o zasegih prepovedane pirotehnike, o rabi, ki vznemirja prebivalce, pa tudi o nesrečah in poškodbah pri uporabi pirotehnike. Kaj glede prodaje in uporabe pirotehnike določa zakon? Morajo imeti dovoljeni izdelki kakšen certifikat? Kakšne so sankcije za posedovanje prepovedanih izdelkov? Kako je s starostno omejitvijo uporabnikov? Katera so tista območja, na katerih tudi sicer dovoljenih izdelkov po zakonu ne smemo uporabljati? Gost petkovega svetovalnega servisa bo višji samostojni policijski inšpektor Daniel Jug iz Uprave uniformirane policije na Generalni policijski upravi.

Nagrado Saharov bosta tokrat prejela borca za svobodo Venezuele.Kaj prinaša jutrišnji simpozij o svetem letu?Sirska vojska naj bi se umaknila tudi iz mesta Homs.Policija v povezavi z umorom na Brdu izvaja hišne preiskave.Katera občina je najprijaznejša čebelam?Vreme: Ponoči se bo zjasnilo, jutri bo malo topleje, kot danes.

Servus. Pred nami je zima in marsikdo jo bo preživel na smučišču. Kam it smučat? "V Avstrijo," je rekla navdušena smučarka Ajda Rotar Urankar.

No, pa se je spet začel tako imenovani veseli december. Trgovci so že takoj po prazniku vseh svetih odstranili okrasje z ikebanami, bučami in svečami ter ga nadomestili z božično-novoletnim. Po ulicah in trgih naših krajev že prižigajo praznične lučke, stojnice s kuhanim vinom in drugimi dobrotami tudi že obratujejo s polno paro. Začenja se čas božičnih glasbenih nastopov in koncertov, v službah in delovnih kolektivih pa čas prednovoletnih zabav. Predvsem pa se začenja nakupovalna mrzlica, ko se bo spet na polno zapravljalo za pogosto nepotrebna in celo nespametna darila. Seveda, če imaš svoje najdražje zares rad, jih pač moraš temu primerno obdariti! In slednjič skušamo ta veseli, če ne kar nori december, imenovati advent – čas pričakovanja!? Pričakovanja česa? Počitniških prostih dni? Božička ali dedka Mraza? Ali preprosto pričakovanja, da bo vse skupaj čim hitreje šlo mimo in bomo spet zaživeli nekakšno normalnost v puščobnem januarskem mrazu? Za kristjane je advent v svojem bistvu vezan na pričakovanje in pripravo na Jezusovo rojstvo. Prav zato so še kako na mestu Jezusove spodbude v evangeliju današnje nedelje, ko pravi: »Vaše odrešenje se približuje. Varujte se, da vam sŕca ne bodo obtežena z razuzdanostjo, pijanostjo in življenjskimi skrbmi.« Vabi nas torej k poglobitvi, ne pa praznemu veseljačenju, da bi s tem skušali pobegniti od vsakdanjih težav. Nasprotno: da bi se sami pri sebi zavedeli, katere in kakšne so naše resnične življenjske težave, stiske in preizkušnje. Katera so tista področja v mojem življenju, pri katerih še posebej potrebujem odrešenje in hrepenim po njem? Konec adventa prinaša izpolnitev Jeremijeve prerokbe: »Glej, pridejo dnevi, govorí Gospod, ko izpolnim obljubo, ki sem jo dal.« To je obljuba o Odrešeniku. Če želim Jezusa zares sprejeti kot Odrešenika, je potem najprej nujno, da se zavem, kje pri sebi potrebujem odrešenje, nato pa se za to odrešenje tudi odprem in razpoložim. Če ni tega, ostane božič prazen. Ostane samo praznična kuliserija z zabavo, dobro hrano in pijačo. Če pa pripravim in odprem svoje srce, svoje najgloblje globine Odrešeniku, ki prihaja, ki želi vstopiti v moje življenje, ki mojemu življenju želi dati smisel in ga napolniti s svojo navzočnostjo in ljubeznijo, potem sem stopil na pot adventne priprave na božič, ki je praznik rojstva Jezusa Kristusa. Beseda »Kristus«, vzeta iz grščine, dobesedno pomeni »Odrešenik«. Temelj odrešenja, ki ga s svojim učlovečenjem in rojstvom prinaša Jezus, pa je ta, da nas privede v naročje Očetove ljubezni. Da se zavemo, da nas Bog Oče neskončno ljubi. Zato naj za vse na začetku adventa velja spodbuda apostola Pavla, ki nam jo prinaša današnja božja beseda: »Vas pa naj Gospod obogati in napolni z ljubeznijo drug do drugega in do vseh.«

Tokratni Studio ob 17-ih bo potekal ob neposrednem prenosu s 40. Slovenskega knjižnega sejma, kjer bomo prisluhnili pogovoru o podkastu Prvi na maturi. Posebno pozornost vsako leto namenjamo pripravi na maturitetni esej, ki čaka maturante splošne mature in prispeva kar polovico točk h končni oceni iz slovenščine. Kako mladi doživljajo in razumejo dela? Katera vprašanja ali dileme se jim zastavljajo ob prebiranju? So naše radijske oddaje kamenček v mozaiku priprave na esej in celotno maturo? Gostje: Katarina Torkar Papež, prof. slovenščine na Gimnaziji Poljane; Vid Kavčič in Vid Sakač, študenta; Ajda Lučovnik, dijakinja, letošnja maturantka; dr. Matej Šekli, RIC, predsednik DPK SM za slovenščino; Drago Meglič, RIC, pomočnik glavne ocenjevalke.

Tokratni Studio ob 17-ih bo potekal ob neposrednem prenosu s 40. Slovenskega knjižnega sejma, kjer bomo prisluhnili pogovoru o podkastu Prvi na maturi. Posebno pozornost vsako leto namenjamo pripravi na maturitetni esej, ki čaka maturante splošne mature in prispeva kar polovico točk h končni oceni iz slovenščine. Kako mladi doživljajo in razumejo dela? Katera vprašanja ali dileme se jim zastavljajo ob prebiranju? So naše radijske oddaje kamenček v mozaiku priprave na esej in celotno maturo? Gostje: Katarina Torkar Papež, prof. slovenščine na Gimnaziji Poljane; Vid Kavčič in Vid Sakač, študenta; Ajda Lučovnik, dijakinja, letošnja maturantka; dr. Matej Šekli, RIC, predsednik DPK SM za slovenščino; Drago Meglič, RIC, pomočnik glavne ocenjevalke.

Nekega dne je vodja oddelka imel slab dan. V tej slabi volji se je znesel nad enim od delavcev. To je delavca ujezilo. Ko je prišel domov, je bil izredno osoren do žene. Žena je jezna oštela desetletnega sina. Sin je šel iz hiše in se na dvorišču znesel nad psom in ga tako razdražil, da je ugriznil vodjo oddelka, ki se je prišel opravičit delavcu. Običajno se nam naše ostre in slabe besede vrnejo kot bumerang in nas razžalijo. Jezus je kot odgovor na pismoukovo vprašanje »Katera je prva od vseh zapovedi?« v današnjem evangeliju odgovoril: »Ljubi Gospoda, svojega Boga, iz vsega svojega srca, iz vse duše, z vsem mišljenjem in z vso močjo.« Druga zapoved pa je tale: Ljubi svojega bližnjega kakor samega sebe« (Mr 12,28-31). Njegov odgovor nam da priložnost, da se ustavimo ob štirih praktičnih korakih, ki nam pomagajo bolje spoznati Boga in ga ljubiti. 1. »Ljubi Gospoda … iz vsega svojega srca« pomeni, da Bog želi, da ga ljubimo z vsem, kar je v nas. To pomeni, da ga ljubimo celostno, vneto. Ko smo za koga vneti, mu sledimo. On določa naše ravnanje. V življenju se odločamo glede na to, za koga smo se ogreli. Športniki, ki so vneti za šport, bodo ogromno žrtvovali za ohranjanje kondicije in dosego uspehov. Vse v življenju bodo podredili temu. 2. »Ljubi Gospoda ... z vsem mišljenjem.« Boga ljubimo razumno. Krščanska vera je razumna, ni slepa vera, ni proti razumu. Pomeni, da Bog želi, da ga ljubimo s svojim razumom, s pametjo. Vrsta intelektualcev se je spreobrnila v krščanstvo, ker so videli, da je razumno. Razumno je tudi zato, ker gleda dolgoročno, ne samo na današnji dan in trenutni učinek. Nek znanstvenik je dejal, da so vsi njegovi kolegi v raziskovalnem oddelku verni. 3. »Ljubi Gospoda … z vso močjo« pomeni, da Bog želi, da ga ljubimo s svojimi sposobnostmi in darovi, talenti. To pomeni, naj ljubimo Boga praktično, z življenjem. Bog hoče, da uporabljamo svoj čas, svoje darove, tudi svoje premoženje v njegovo slavo in korist bratov in sester. Pokojni ljubljanski nadškof Alojzij Šuštar je dejal, da bomo kristjani sojeni po tem, kako smo v življenju uporabljali svoj čas, svoj denar in svoje sposobnosti. 4. »Ljubi svojega bližnjega kakor samega sebe« pomeni, da Bog hoče, da druge ljubimo, kakor ljubimo same sebe. Boga pa najlepše ljubimo, da ljubimo druge in da ga ljubimo v drugih. Zato obravnavajmo druge ljudi, kot želimo, da bi drugi obravnavali nas. Če bi želeli, da bo bil kdo naš prijatelj, moramo mi najprej postati njegov.

Človek je ustvarjen za gibanje. In ko obsedimo, sedečih je vse več poklicev in dejavnosti, izgubljamo mišično moč, težko se držimo naravno vzravnano, tudi dihanje ni najbolj ustrezno. Kako si povrnemo gibalne vzorce, ki jih telo potrebuje kot kisik, in katera je najbolj idealna oziroma telesu prijazna oblika gibanja? Za odgovore v sredinem Svetovalnem servisu gostimo Mladena Dakića, gibalnega učitelja in terapevta, predsednika Društva za kitajske veščine gibanja Taiji-voda.

⏰ Driiiiiing! Piiiiisk! Sva že tukaj, sva sva, čeprav ste eni hlipali po specialki, ker NK Maribor. Ampak sva vestno počakala, upajoč, da bo oddaja čakanja vredna.

Piše Sanja Podržaj, bere Renato Horvat. Po tem ko smo v prejšnjem delu serije Umori, Skesanec iz leta 2019 brali o preprodaji orožja, pranju denarja in političnih zarotah v samem vrhu države, nas Tone Frelih tokrat vodi v kalne vode gospodarskega kriminala in finančnih malverzacij v javno-zasebnih partnerstvih med občinami in podjetji, v katerih pa imajo prste vmes tudi banke. A to je le ena plat nenavadnega primera izginotja in umora bančne uslužbenke Vere Čuk. Prostori policijske uprave na Prešernovi, kjer je nastanjen tudi kriminalistični oddelek, so postali dom že marsikatere fikcijske preiskovalne ekipe, Ljubljana pa mesto prenekaterih zločinov, ki so se sicer zgodili samo v romanih, a bi poti žrtev, zločincev in preiskovalcev zlahka lahko prehodili tudi zares. Tone Frelih dogajanje svojih romanov rad postavlja v bralcem (četudi samo po imenu) znana okolja in tudi tokrat je center dogajanja središče Ljubljane, sega pa še onkraj glavnega mesta, v neimenovano obljubljansko občino, ki bi prav lahko bila katerakoli slovenska občina. V seriji Umori se je na mestu vodje kriminalističnega oddelka zamenjalo že nekaj ljudi. V prvih treh delih je oddelek vodil Cene Dornik, po upokojitvi ga je zamenjal njegov asistent Boštjan Habič, v romanu Kalne vode pa njegovo mesto prevzame kriminalistka Lenka Meglič. Habič namreč v nasprotju z Dornikom ni imel te sreče, da bi dočakal upokojitev, temveč se je bil prisiljen umakniti, ko je v prejšnjem delu pregloboko dregnil v osje gnezdo. Vodstvo mu je ponudilo položaj kriminalista začetnika na Jesenicah, a ga je zavrnil in se odločil za prakso zasebnega detektiva. A podobno kot Dornik pred njim se tudi on ni mogel kar tako ločiti od nekdanje službe, poleg tega pa po spletu naključij preiskava ni mogla mimo odkritij, ki jih je o pogrešani Veri Čuk zbral nedolgo pred njenim izginotjem, ko ga je najel Verin mož. Tone Frelih je filmski režiser in scenarist, kar je zaznati tudi v njegovem pisateljskem delu, saj se prizori nizajo zelo filmsko in nelinearno, pogosti so časovni preskoki naprej in nazaj, menjavajo pa se tudi perspektive – dogodke spremljamo skozi oči različnih likov. Bralci imamo na ta način pogled v dogajanje iz različnih zornih kotov in vemo več, kot vesta glavna preiskovalca Lenka in Boštjan – zato je primer v Kalnih vodah toliko bolj napet in frustrirajoč. Na ozadju izginotja in umora bančne uslužbenke Vere Čuk se namreč razkrijejo še drugi zločini, ki pa so onkraj pristojnosti kriminalističnega oddelka. Klasične kriminalke bralce na neki ravni pritegnejo tudi zato, ker nas njihovi glavni junaki – detektivi in kriminalisti – popeljejo skozi kaos neznank nazaj v red, kjer so razkrita vsa dejstva in je pravici zadoščeno. Roman Kalne vode ni zgled takšne kriminalke. Primer umora Vere Čuk se sicer razreši, a je ostalo še veliko nerazrešenega in številne krivice, ki ne bodo nikoli poravnane. S tem se roman približa naši resničnosti in ga lahko beremo tudi kot komentar na nepravilnosti v gospodarstvu, a se njihovi akterji zdijo nedotakljivi, ne glede na to, da se dejstva o njihovih malverzacijah kdaj pa kdaj razkrijejo širši javnosti. Ko se neurje poleže, se neopazno vrnejo na delo in na stara pota. Tako bralcem konec ne prinese prave pomiritve in zadoščenja, temveč nas sooči s krivicami, ki se jim običajni smrtniki ne moremo postaviti po robu, ampak jih lahko samo nemočno opazujemo, ko se odvijajo tako rekoč pred našimi očmi. Prebivalci obljubljanske občine si želijo predvsem urejenih sprehajalnih poti in več zelenih površin, nov vrtec ali igrišče, a župan Tič vidi, kako bi prazno občinsko parcelo lahko izrabil na bolj donosen način. Postavil bi multicenter, ki bi združeval športno dvorano, trgovsko poslopje in stanovanjski kompleks. Denar bi pridobil iz evropskih in državnih sredstev, seveda pa bi si za svojo briljantno idejo delež zaslužil tudi sam. Tako prepriča lastnika manjšega gradbenega podjetja Čelika, da vzame veliko posojilo, ki naj bi ga poplačal s prodajo stanovanj in oddajanjem trgovskih prostorov v multicentru, del posojila pa bi nakazal na račun slamnatega s.p.-ja, za katerim ne stoji nihče drug kot župan Tič. Glede odobritve kredita, ki je mnogo previsok glede na zmožnosti Čelikovega podjetja, ne gre skrbeti – za ta del bo poskrbel Tičev prijatelj, direktor banke KBL Jože Mutič. Vse to bi gladko steklo, če ne bi bilo Vere Čuk, uslužbenke banke KBL, ki je odgovorna za odobritev kreditov. Čelikovo vlogo je temeljito pregledala in na njeno presojo ni vplivalo niti dejstvo, da gre za direktorja podjetja, v katerem je zaposlen njen mož Andrej. A Jože Mutič se ne zmeni za ugovore svoje zaposlene in nazadnje obvelja njegova beseda, Vera pa postane tarča mobinga in groženj, ki prihajajo od neznano kod, nazadnje pa brez sledu izgine. Med potekom preiskave se vse bolj razkriva, da se Vera Čuk ni zapletla zgolj poslovno, temveč tudi v zasebnem življenju. Katera od skrivnosti jo je stala življenja, se sprašujeta Lenka Meglič in Boštjan Habič, ko njeno truplo najdejo v Savi. O kriminalki je težko govoriti, ne da bi povedali preveč, in identiteta morilca naj ostane neznana, dokler ne boste romana prebrali tudi sami. Vendar pa kritika ne more obiti dejstva, da nas razkritje storilca preseneti in tudi malo razočara. Glede na dogodke, ki se pletejo v ozadju, se zdi motiv za umor Vere Čuk skorajda banalen, poleg tega pa gre za vzorec, ki se je že mnogokrat ponovil in ga poznamo tudi iz nekaterih drugih domačih kriminalk (na primer iz Jezera Tadeja Goloba). Gre za obrat, ki je postal že obrabljen in klišejski s tem, ko ga avtorji radi uporabljajo za to, da bralca na koncu presenetijo, še posebej, če nas avtor najprej vodi v povsem nasprotno smer, v sfero, v kateri vladajo moški. Roke si sicer umažeta tudi župan Tič in direktor banke Mutič, a sta zunaj dosega rok pravice, tako da nista niti osumljena, kaj šele kaznovana. To dejstvo ne nek način rešuje klišejski končni zasuk, saj celotna situacija postane bolj prepričljiva in bolj verjetna. Tisti ki imajo denar in moč, se le redko znajdejo pred postavo zakona. Tone Frelih velja za starosto slovenske kriminalke in nenavadno je, da njegovo delo ni doživelo tolikšne pozornosti kot dela nekaterih avtorjev, zaradi katerih se je žanr v zadnjem času razcvetel. Roman Kalne vode sicer ne izstopa, a tudi ne zaostaja za deli nekaterih bolj izpostavljenih avtorjev kriminalnega žanra. Je prepričljivo napisana kriminalka, v kateri sledimo solidno izdelanim likom, ki smo jih lahko spoznali že v prejšnjih romanih, a se brez težav bere tudi samostojno. Upamo pa, da bomo odločno kriminalistko Lenko Meglič lahko spremljali še v kakšnem nadaljevanju.

Send us a textPOLJUBNE DONACIJE: https://www.paypal.com/donate/?hosted_button_id=WW529JLQSYV7JDobɘrdan majice:https://doberdanbrand.siEPIZODA 146Danes z nami zlata olimpijska zmagovalka Andreja Leški. Debata je tekla res o veliko temah. Vzemi si urco in prisluhni zanimivim zgodbam!TIMESTAMPI:00:00:00 Intro00:01:11 Ali bi andreja lahko premagala Jureta?00:03:34 Ali bi lahko Rimaniča?00:04:03 Medalja00:07:27 Ali je znak disrespecta če si kdo drug da medaljo okoli vrata?00:08:39 Tudi Andreja je vojakinja00:09:45 Še ena zlata?00:10:19 Koliko časa traja kariera Judoistke?00:10:43 Poškodbe00:12:00 Kako se je Andreja vrgla v Judo?00:14:11 Kaj naredi andrejo tako dobro?00:15:19 Izkušnja olimpijskih iger?00:15:46 Andrejin trener00:20:09 Ostale priprave00:22:03 Kako se pripraviš za svoje nasprotnike?00:23:20 Katera je Andrejo presenetila na olimpojskih?00:24:27 Kaj razmišljaš ko te nekdo preseneti?00:26:13 Glava 5 minut pred tekmovanjem00:29:45 Odnosi s sotekmovalkami00:31:20 Postelje v olimpijski vasi00:32:53 Kako so razdeljeni po prenočiščih?00:34:21 Kako zgleda olimpijska vas?00:35:00 Teža00:38:30 Lajf po Parizu00:39:12 Andreja je Swiftie00:41:43 Najljubši komad?00:42:14 Koliko je moških na Taylor Swift koncertih?00:42:36 Zakaj je Taylor tako zanimiva?00:47:15 Kaj dela Andreja ko ne zmaguje?00:48:57 Motor00:50:21 Horoskop00:51:23 Koperski sprejem00:53:10 Kaj bi Andreja počela po 30. letu ko konča svojo kariero?00:56:32 Nasvet za vsakega ki bi rad postal šampijon01:03:45 Vprašanje za Chlane01:06:52 Vprašanja01:11:03 OutroPOSLUŠAJTE PODCAST TUDI NASpotify: https://open.spotify.com/show/2gjgPtR... Apple: https://podcasts.apple.com/us/podcast... Google Podcasts: https://podcasts.google.com/feed/aHR0...SPREMLJAJTE NASInstagram: https://www.instagram.com/chlani.podc...TikTok: https://www.tiktok.com/@chlani.podcast VODITELJIJure: https://www.instagram.com/juresavron/Matej: https://www.instagram.com/matejrimanic/O PODCASTUCHLANI. Prebrano »člani«, ne pa klani. Ampak člani česa? Ne, ne ... Tukaj ne gre za članstvo v klubu ali organizaciji, niti v klanu. »Član« je slengovska beseda, ki jopredvsem mladi zelo pogosto uporabljajo na najlepšem delu Slovenije – na Obali. Torej, ker ste tukaj, naj vam izrečemo dobrodošlico: »Kje ste, člani!« Ogrodje novega slovenskega podcasta sestavljamo 2 mlada ustvarjalci. Zaradi bližine, ki smo jo med seboj ustvarili s pogostim druženjem in delom, podcastu zagotovimo avtentičnost in poskrbimo za sproščeno dinamiko. Na podcastih se nam pogosto pridružijo še zanimivi gosti, – znani in manj znani – ki popestrijo epizode s svojim unikatnim pogledom na življenje in atraktivno osebnostjo. Teme, ki jih obravnavamo, so lahko absurdne in nenavadne, vsekakor pa se dotaknemo tudi življenjskih tem.

Sit and Chat and Snack with Kara and Katera to discuss Christina Lauren's just released "The Paradise Problem" and have a tropical drink and fruit with us! Enjoy this summer read with your friends on a beach trip! Visit us at http://www.booksandbrunchpodcast.com --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

V tem delu Aleš in Sašo izvesta še štiri nove stvari! Katere? … Klikneš, poslušaš, izveš! Ti je podkast všeč? Lahko ga podpreš tukaj

Letošnji Teden gozdov poteka pod geslom sonaravno upravljanje z gozdovi in z inovacijami podprto prilagajanje podnebnim spremembam. Kaj morajo lastniki narediti za dobro kondicijo gozdov, da preprečijo razvoj bolezni in škodljivcev? ? Katere finančne spodbude so na voljo za male lastnike gozdov? Kaj pomeni gozdna ekocelica, kako poteka setev z droni in kaj vključuje digitalizacija gozdarstva? Katera pravila vključuje gozdni bonton? Gost petkovega svetovalnega servisa bo magister Andrej Breznikar iz Zavoda za gozdove Slovenije. Po deveti, na Prvem.

Na mednarodni dan gozdov, letos bo nosil geslo »Gozdovi in inovacije«, bomo tudi v svetovalnem servisu govorili o gozdovih. Katera pravila obsega gozdni bonton? Kaj morajo lastniki storiti za dobro kondicijo gozdov, da bi preprečili razvoj bolezni in škodljivcev? Koliko znaša strošek obnove s saditvijo sadik na hektar? Katere finančne spodbude so na voljo za male lastnike gozdov? Gost četrtkovega svetovalnega servisa bo magister Andrej Breznikar iz Zavoda za gozdove Slovenije.

Čebelarstvo sodi v kmetijsko panogo gojitve čebel in pridobivanja čebeljih produktov. O čem je dobro premisliti preden se podamo na pot čebelarjenja? Katera znanja mora osvojiti čebelar začetnik? Kako izbrati mesto za postavitev čebelnjaka ali stojišča za panje? Kako do prve čebelje družine? Zakaj lahko nevestni čebelar povzroči veliko škode tudi drugim čebelarjem? Gost sredinega svetovalnega servisa bo Franc Šivic, dolgoletni čebelar, apiterapevt, avtor člankov in knjig o čebelarjenju.

Join Kara and Katera for this month's read, the brand new, just released One Wrong Word by Hank Philippi Ryan. Snack on some Bostonian-inspired snacks, like Boston Creme pie, Boston Creme donuts, cannolis, fluffernutters, or chocolate chip cookies. Visit our website for the blog, www.booksandbrunchpodcast.com! --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

V svetovalnem servisu na pustni torek bomo ugotavljali, ali je moč povezati pustne tradicije in trajnostno rabo. Pri nas se poleg prekomernega kopičenja odpadkov še vedno soočamo z nepravilnim ločevanjem odpadkov, skrb zbujajo tudi velike količine odpadne hrane in elektronskih odpadkov. Katere so alternativne rešitve za zmanjšanje odpadkov? Katera so ključna pravila pri pomladanskem čiščenju in pospravljanju? Gostja svetovalne servisa bo Marinka Vovk, doktorica bioloških znanosti iz Okoljsko raziskovalnega zavoda v Slovenskih Konjicah.

Andrej Blatnik je doktor komunikologije, urednik, profesor na Filozofski fakulteti, dolgoletni voditelj delavnic kreativnega pisanja in večkrat nagrajeni pisatelj, ki je pred kratkim izdal svojo osemnajsto knjigo. Ni pa le izjemen pisec - Andrej prebere več kot dvesto (200!) knjig letno, kar ga najbrž uvršča med najintenzivnejše bralce v državi. Tema najinega pogovora so bile zgodbe. Veliko sva govorila o pisanju – o slogu, izoblikovanju lastnih svetov, snovanju zanimivih likov,... vseeno pa menim, da pogovor ne bo zanimiv samo tistim, ki ste pisci (ali pa bi to radi postali). Ne glede na to, kak odnos imamo do literature, je naklonjenost dobrim zgodbam skupna lastnost človeštva, pa naj bo to zanimiv roman, dober film ali pretresljiva izpoved bližnjega znanca. Kaj imajo skupnega velike uspešnice? Katera so osnovna pravila pisanja in katere najpogostejše napake? Kako svoje ideje spraviti na papir in – morda še pomembneje – do urednika? Kot pravi Andrej: »zgodba, ki pove preveč, je izraz nezaupanja bralcu.« Menim, da isto velja za podkast uvodnike, zato bom zdaj nehal opisovati najin pogovor in vas prepustil poslušanju :) V pogovoru omenjava knjige: Belo se pere na devetdeset (Bronja Žakelj), On Writing (Stephen King), Jurski Park (Michael Crichton), Plitvine (Nicholas Carr), Pogodba (Moja Širok), Knjiga o Jugu (Jurica Pavićić). Omenjava avtorja Igorja Karlovška. PISA študija o bralni, matematični in naravoslovni pismenosti: https://www.pei.si/sporocilo-za-javnost-znani-rezultati-mednarodne-raziskave-bralne-matematicne-in-naravoslovne-pismenosti-pisa-2022/ Aplikacijo Mladinska knjiga PLUS, na kateri te poleg ogromnega izbora e-knjig in zvočnic v slovenskem jeziku čaka tudi Andrejev tečaj o pisanju zgodb in moj tečaj o čuječnosti, lahko za 14 dni preiskusiš brezplačno: https://emka.si/pages/mk-plus

Join us for our Christmas Episode where Kara and Katera discuss Tessa Bailey's Wreck the Halls! Our snack is your favorite holiday cookies (for us it was sugar Christmas tree cookies and Pfeffernusse cookies!). Visit us at www.booksandbrunchpodcast.com! --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

Slike, videe in besedila že prepričljivo generira umetna inteligenca. Kako in komu še zaupati? Katera orodja umetne inteligence vendarle prinašajo lažji študij ali delo v pisarni? Natanko eno leto po prvih omembah ChatGPT-ja se predvsem sprašujemo o možnostih uporabe in zlorabe. So ruske tehnologije nevarne? So telefoni na preklop modni trend ali korak v novo smer?Maruša in Anže debatirata s kolegom Matejem Praprotnikom o temah, ki so jih izbrali odbiti poslušalci. Zapiski: DeepL Translate: The world’s most accurate translator VERAS | EvolveLAB Stable Diffusion Online - AI Image Generator GitHub Copilot · Your AI pair programmer · GitHub Tabnine is an AI assistant that speeds up delivery and keeps your code safe CodeGeeX GitHub Copilot · Your AI pair programmer · GitHub Codeium · Free AI Code Completion & Chat Perplexity AI for Research - scite.ai ChatPDF - Chat with any PDF! Consensus: AI Search Engine for Research Chat LlamaIndex HuggingChat Razpravi o odbitih temah se lahko pridružite na Discordu.  

Join Kara and Katera as they discuss Ruth Ware's The Lying Game for their Halloween episode. Enjoy some pretzel bites and beer cheese (or whatever cheese suits you) while we sit and chat for a while. Send us your recommendations for our December/Christmas reads: booksandbrunchpodcast@gmail.com or FaceBook/Instagram @booksandbrunchpodcast Visit our website: http://www.booksandbrunchpodcast.com --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

Inflacija ostaja visoka, obresti za prihranke v bankah je še zdaleč ne dosegajo. Posledično denar na bančnem računu, tisti v nogavici pa sploh, realno izgublja vrednost. Kako prihranke oplemeniti, je izhodiščno vprašanje Tečajnice. Katera oblika varčevanja je najboljša naložba za prihodnost naših otrok? Oddaja prinaša tudi odgovor na vprašanje, kaj je tako imenovana ljudska obveznica, ki naj bi jo kmalu izdala naša država, in komu je ta oblika naložbe namenjena. Sogovornika: dr. Miha Dominko, znanstveni sodelavec na Inštitutu za ekonomska raziskovanja v Ljubljani, Mira K. Veljić, direktorica Združenja družb za upravljanje investicijskih skladov.

EPIZODA 102DANES ponovna OG zasedba Jureta, Mateja in Tima. Prisluhni!Dobɘrdan majice:https://doberdanbrand.siTIMESTAMPS 00:00 Intro00:27 Kako je Tim01:48 Kaj je delal Jure03:30 Timova izkušnja v savni08:16 Predstavitev magnezija09:30 Juretova izkušnja v savni11:58 Kaj je delal ta teden Matej17:05 Definiraj ples18:33 Matej je učil kolega plesat in lízat19:00 Navodila za lizanje31:20 Tim predstavi rute43:07 Kaj Jureta moti na cesti45:13 Kako vozi Tim46:43 Katera je Mateju najbolj bizarna dogodivščina iz avtoceste47:48 VprašanjaSPREMLJAJTE NASYoutube: https://youtube.com/channel/UCiy2dirXGqygqSsiXZv9PpgInstagram: https://www.instagram.com/chlani.podcast/TikTok: https://www.tiktok.com/@chlani.podcastVODITELJIJure: https://www.instagram.com/juresavron/Matej: https://www.instagram.com/matejrimanic/Tim: https://www.instagram.com/mit.t.tim/O PODCASTUCHLANI. Prebrano »člani«, ne pa klani. Ampak člani česa? Ne, ne … Tukaj ne gre za članstvo v klubu ali organizaciji, niti v klanu. »Član« je slengovska beseda, ki jo predvsem mladi zelo pogosto uporabljajo na najlepšem delu Slovenije – na Obali. Torej, ker ste tukaj, naj vam izrečemo dobrodošlico: »Kje ste, člani!« Ogrodje novega slovenskega podcasta sestavljamo 3 mladi ustvarjalci. Zaradi bližine, ki smo jo med seboj ustvarili s pogostim druženjem in delom, podcastu zagotovimo avtentičnost in poskrbimo za sproščeno dinamiko. Na pocastih se nam pogosto pridružijo še zanimivi gosti, – znani in manj znani – ki popestrijo epizode s svojim unikatnim pogledom na življenje in atraktivno osebnostjo. Teme, ki jih obravnavamo, so lahko absurdne in nenavadne, vsekakor pa se dotaknemo tudi življenjskih tem.

In this episode, five our our members from across California (Hazel, Cali, Katera, Ashely, and Addy) go head to head in a Draft, where they each pick five of their favorite things. The catch? They can't pick anything the other person picked! Topics include colors, favorite side dishes, TV shows, sodas, Disney songs, and Disney Characters! 

Join Katera and Kara as they host guest British author Jenna Adams and author of "Can I Stray." We discuss the book, the social problems raised and how we can solve them, and a little about this great up and coming author! Kara and Katera fan-girled a little! We also had Jenna's favorite snack...chocolate! **Trigger warning for cutting and suicidal ideation. Call 988 in the US for help if you are feeling depressed or struggling with your mental health!** Don't forget to visit our website: http://www.booksandbrunchpodcast.com --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

Kako se skozi prizmo idej in konceptov, ki jih danes razvija teologija, kaže svet 21. stoletja – od podnebnih sprememb prek razmaha umetne inteligence do vojne v Ukrajini?Georg Wilhelm Friedrich Hegel, veliki nemški filozof prve polovice 19. stoletja, je trdil, da obstajajo tri discipline, tri ključne poti, po katerih si človek utira pot do spoznanja oziroma do vednosti. To naj bi bile: umetnost, teologija in filozofija. No, danes, skoraj 200 let po Heglovi smrti, omikana javnost brez večjih težav spremlja, kaj se godi novega v širokem polju umetnosti, od poezije do televizijskih serij, od baleta do konceptualnih likovnih instalacij. Tudi sodobna filozofija z imeni kot so Rancière, Sloterdijk ali Žižek najbrž ostaja v očišču pozornosti intelektualcev vseh barv, ozadij in specializacij. Kaj pa teologija? Katera vprašanja, kateri problemi razgibavajo sodobno teološko misel? Kako današnji teologi in teologinje odgovarjajo na najrazličnejše krize, ki pretresajo naš svet? – Vtis je, da bomo med ljudmi, ki se sicer ponašajo z zgledno splošno razgledanostjo, danes le stežka našli sogovornika, ki bi nam lahko zadovoljivo odgovoril na tovrstna vprašanja. Zato smo se v tokratni Intelekti spraševali, kako se skozi prizmo idej in konceptov, ki jih razvija sodobna teologija, navsezadnje kažejo zagatne razmere – od, na primer, podnebnih sprememb prek razmaha umetne inteligence do vojne v Ukrajini –, v katerih smo se v 21. stoletju vsi skupaj znašli. Pri tem so nam bili v pomoč trije sodelavci Teološke fakultete Univerze v Ljubljani: teolog in filolog asist. mag. Jan Dominik Bogataj pa rusist, zgodovinar in teolog doc. dr. Simon Malmenvall ter filozof prof. dr. Bojan Žalec. Foto: oltar v helsinški cerkvi Temppeliaukio, detajl (Goran Dekleva)

Join Kara and Katera as they discuss Lauren K. Denton's The Summer House, a summer read for all. The snack of the hour was sweet tea (of course) and corn fritters. Let us know what you think and your suggestions! Visit our website: www.booksandbrunchpodcast.com --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

Welcome back! This week our hosts dive into the Netflix series "African Folktales Reimagined" where six beloved African folktales are boldly reimagined in this multilingual anthology series exploring themes of grief, love and mysticism. The ladies review Episode 1: Katera of the Punishment Island where abandoned on an island, a woman grieving the loss of her baby exacts revenge on the powerful man who put her there. Tune in to hear what the ladies had to say. Cheers. Dedication: To our patrons and regular listeners. Moni:To Beyonce' and Blue Ivy for putting on a great show in Chicago. Kat:To the Harder Brunch crew. *Trigger warning for adult content and language.*Show Notes:About the show https://about.netflix.com/en/news/african-folktales-reimagined-short-films-launch-date-announcedhttps://en.wikipedia.org/wiki/2023_Hollywood_labor_disputeshttps://en.wikipedia.org/wiki/UNESCOhttps://www.bbc.com/news/world-africa-39576510*Stranger than Fiction: *None this week

Ko razmišljamo o tem, da bi si omislili pasjega mladička, nas pogosto vodi srce, razum pa včasih pustimo povsem ob strani. Katera so nujna vprašanja, ki jih moramo rešiti z razumom, kje dobimo preverjene informacije o različnih pasmah psov, kako prepoznamo odgovornega vzreditelja in zakaj se moramo pozanimati, kako nam bo najprej pasji mladič in pozneje odrasel pes spremenil življenje, bomo v ponedeljkovem Svetovalnem servisu spraševali Natašo Živko, vzrediteljico, učiteljico in trenerko psov ter mednarodno kinološko sodnico.

Kratkovidnost, daljnovidnost, astigmatizem in starostna slabovidnost so v grobem glavni razlogi, da se pacienti odločijo za lasersko odpravo dioptrije. Gre za hiter in večinoma neboleč poseg, tehnologija pa z leti vse bolj napreduje, zato se že uveljavljajo manj invazivne metode. Katera metoda je primerna za posamezno dioptrijo, predvsem pa, kako ugotoviti ali ste primeren kandidat za operacijo? Na vprašanja odgovarja Igor Šivec Trampuž, dr. med. spec. oftalmologije.

Join this month's book club to talk about "The Second Mrs. Astor" by Shana Abe, a historical fiction detailing John Jacob Astor's second wife and their experience on the Titanic. Join Kara and Katera as they review the book and their love for James Cameron's famous movie, Titanic, for which it is the 25th anniversary of the release this year! The snack for today is baked apples! Visit us at http://www.booksandbrunchpodcast.com. --- Support this podcast: https://podcasters.spotify.com/pod/show/booksandbrunch/support

In today's show, you willl meet Katera, a mom of a child with autism. She waited for a long time to get the diagnosis of her son. He was diagnosed with level 2 autism with a speech and intellectual delay. Despite of it, she maintained a joyful spirit and want to encourage parents out there to be thankful because the child chose them to be their parents for a reason.  

Aleš in Sašo nadaljujeta svoj “A res, tega ne veš?” eksperiment! Tokrat se dotakneta Formule 1, nilskih konjev, traktorjev in ignorantskih možganov! Napišite nama, kako se vam zdi? … Klikneš, poslušaš, izveš! Ti je podkast všeč? Lahko ga podpreš tukaj

Dr. Belovičeva danes spregori o antioksidantih, in kateri so najbolj pomembni.

Dr. Belovičeva danes spregovori o brstičnem ohrovtu in kako ga najbolje pripraviti.

Neal Bawa is a technologist who is universally known in the real estate circles as the Mad Scientist of Multifamily. Besides being one of the most in-demand speakers in commercial real estate, Neal is a data guru, a process freak, and an outsourcing expert. Neal treats his $947 million-dollar portfolio as an ongoing experiment in efficiency and optimization. The Mad Scientist lives by two mantras. His first mantra is that "We can only manage what we can measure". His second mantra is that, "Data beats gut feel by a million miles". These mantras and a dozen other disruptive beliefs drive profit for his 700+ investors. In today's episode, Neal shares insights about his strategy for multifamily investing, some interesting market statistics, and what he expects the future of the real estate market to look like. Episode Link: https://multifamilyu.com/ --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: Hey, everyone, welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by my very special guest, Neal Bawa and he's talking to us about multifamily investing syndications and some really, really interesting market statistics about looking forward into what the real estate market future holds for all of us. So let's get into it.   Hey Neal, thanks so much for taking the time to come on the show with me today. I really appreciate you coming on and sharing some wisdom with me.   Neal: Well, it's exciting to be here, especially because I am a fan of your company and until five minutes ago, I didn't know that I was doing a podcast with Roofstock. So super excited to be here.   Michael: Awesome. Well, surprises always tend to keep people on their feet. So I'm really excited to chat with you today. So I know a little bit about your background and who you are but for anyone listening, who might not be familiar if you can give us the quick and dirty who you are, where you come from, and what is it you're doing in real estate today?   Neal: Absolutely. I'm a geek, a nerd, a maverick, I come from Silicon Valley. I live in Silicon Valley, I'm a data scientist by profession with a computer science degree. I've had a successful tech career, which, after 17 years ended in the sale of my technology company. I got into real estate because I live in Texas Fornia and I was paying 53.7% of my gross income in taxes and so you know, I looked around and looked at lots of different avenues to save money, looked at solar panels looked at oil, and came to the conclusion that none of those were anywhere close to real estate in terms of the incredible taxation benefits. I tell people, real estate is America's number one legitimate tax mafia. That's really what it is. I mean, no other area has the astonishing, the shocking tax benefits that real estate has. So I started doing real estate for that and started sharing a lot of my data science, you know, thought processes and ideas and it sort of just exploded from there. The first time I shared my insights on data science, I had four people in front of me. A week ago, I had 1100 listening.   Michael: Oh my gosh, that is really, really cool. So I love chatting with data scientists with geeks and nerds as the self-proclaimed title that you gave yourself, because I think it puts a process. They come from very process oriented backgrounds, and it allows them to apply the same processes to real estate, which I'm sure we're gonna get into in a little bit. But you're doing some pretty amazing things in the multifamily space if I'm wrong, mistaken, right.   Neal: I am, I am and I'm a huge fan by the way of the single family space and often direct people to single family, but multifamily is where I've been simply because of its amazing scale. So I started off in single family and I have now moved over to multifamily. So currently have about 750 million in construction and various multifamily spaces such as built around and apartments have about 250 million that I'm managing that I purchased that are existing buildings, and then I dabble in other areas as well as multifamily is kind of the core foundation of my business, but I dabble in self-storage, industrial townhomes for construction and student housing as well. So I love all kinds. I love all kinds of different asset classes at different times. But I always come back to the Foundation, which is which is multifamily.   Michael: Okay, now, you said a lot of amazing things with a lot of big numbers and I want to come back to that in just a minute. But I'm just curious on a personal note, can you share with our listeners, what's the best compliment you've ever received?   Neal: I think that the compliment had and I actually use it now you already heard it today was a person that walked in and said, This is the geekiest and nerdiest presentation I've ever heard that was still very entertaining. So that second part was like, okay, so I can I can get geeky I can get nerdy but I can still kind of get it down to the level where people enjoy it and are not snoring, you know, five minutes into the presentation. So I love that comment because it's hard to be a geek and be a nerd and still, you know have these aha moments for my audience. So I've worked really hard on that.   Michael: I love it and clearly you're doing it well because people 1100 people are coming to listen so my hat off to you. So let's talk about what excites you about multifamily because I think that there's an argument to be made that the fundamentals but you talking about going back to the basics is single family. So why do you think that it's multifamily? Why do you make that argument?   Neal: Because of single family? The short answer is this single family is why I'm excited about multifamily. Okay. So, you know, you hear a few numbers all over and over again, people say these numbers that don't quite explain the meaning of this, right. So we say in this home, the you hear this all the time, we have a shortage of single family homes in the US 5 million, the actual shortage is 5.1 4 million. You also hear we have a shortage of multifamily or apartments in this, you know, in the US and the actual shortage today is 600,000 units. So you notice most of the shortage is actually on the single family side, right? 5.2 million there 600,000 on the apartment side and for both of those, the vast majority of the shortage, not all of it, but the vast majority came from the fact that the US actually didn't really build anything single family or multifamily between 2011 in 2015. So we used to build, you know, I don't know, eight 700,000 800,000 a million units and then all of a sudden, 1112 1314 15, we built less than half of that creating this massive supply demand gap. It was enormous and that's why that has led to rental growth being you know, to AX what it used to be in the previous 30 years, we've also seen massive growth in prices on the multifamily side where, you know, we used to buy, you know, properties at, you know, $40,000 a door, and now we're buying the same properties at $250,000 adoor. So it's just an incredible, massive increase there in Parador prices, a lot of it really comes back down to the fact that we are absolutely unable and I haven't seen any evidence to the contrary, we are absolutely unable to build starter homes in the United States, we actually don't have a shortage of single family. It's a very common misconception. We don't have a shortage of single family, we have a shortage of starter homes and when I talk about starter homes, I mean anything that in a reasonably reasonable Metro, I'm not talking about San Francisco Bay area, but let's say something in Phoenix, right? Being able to build a nice three to four bedroom home that's brand new for about $275,000 that has become categorically impossible today. Okay, for I'll give you an example of this, as you know, multifamily scales a lot better because when you're building 100 units, you get all these economies of scale, blah, blah, blah, okay, my cost of construction in New Braunfels, which, by the way, is not a major metro, you've probably never even heard of it. It's in the corridor between Austin and San Antonio and so you one could say Austin and San Antonio are both, you know, secondary markets, not primary like San Francisco or Los Angeles and in so and this, so this market must be like a tertiary market because it's in between my cost of construction for townhomes, not single family is well over 300,000 units. That's what my cost as a builder is, right.   So you understand what's happened since March 2020. Construction costs in the US have gone up by 34%. That's basically about 27 or 28 months, they're up 34% and the problem was there before COVID. So before COVID, even in the face of outstanding and insane amounts of demand. We were only able to build enough single family enough multifamily housing just to keep up with demand. So remember what I said 11, 12, 13, 14,15 those five years, we under built massively, and then 1617 1819 20, those five years we built okay, we did find we stayed up with demand. But we didn't make any dent in the single family shortage. We didn't make any dent in the multifamily shortage, those numbers stayed the same, because we were just building enough. And that was before this once in a century 34% increase in construction cost. That was before that increase. Today, construction cost has gone up. So but people who think that home prices will drop 20% simply have no understanding of the fact that there is it's impossible to supply a product. If home prices dropped by to even 10 or 15%. Most builders will either go out of business or simply pivot to build the rent. So they'll stop building anything for the market and what that will do is make the shortage worse, which means that there's even worse it's going to make it much worse, right? Because we absolutely have to build 500,000 units a year just to keep up with this year's demand. Forget about the shortage from before, right, we still want to keep up with the demand for this particular year. So we can keep the shortage from getting worse.   You know, otherwise, that number that 5.2 million number will go to 5.5 million and 6 million and 7 million so we'll keep getting worse and every time it gets worse rents rise prices right? So there's a cushion under home prices and most people wonder mentally failed to understand the mathematics here. If your cost of construction goes up 34% how are you going to deal with prices going down and if developers don't make enough homes, the only homes available in the market are the existing homes, right? So will competition on them will increase and haven't you been reading already in the last three months that permits in the US have dropped to 30% because as the US economy goes closer into a recession, so it's inevitable at this point that we'll go into recession, builders are very skittish, their construction costs are at an all-time high and so they're backing off. They're saying, You know what, I'm not going to take the risk of building 10,000 homes, I'll build five. So if everybody drops their permits by 30, or 40%, you're digging now a new hole for the construction that would have afforded for the delivery that would have happened next year and the year after. So now we're digging a hole in 2023, deliveries and 2024 deliveries. How do you reconcile that with a 20% drop in prices? The mathematics, the fact that people actually keep saying this with a straight face is mind boggling to a data scientist.   Michael: Yeah, I love that because you like everything you just said, I don't know, if you're watching the video, you saw my jaw on the floor, I'm gonna have to pick it back up here. But it just people feel like it feels because prices are so high and toppling, then interest rates are so high, but everything you've just said, I mean, factually, and mathematically makes so much sense and so how should people be listening? How should our listeners be thinking and reconciling? Okay, well, interest rates have gone so high, so fast. So the purchasing power has been drastically reduced. How should you be thinking about like, what's going to happen next?   Neal: So the first thing you should do is study the past, because the past gives you some wonderful examples of what happens when these sorts of things happen, right? So I'm gonna give you some benchmarks that will really blow you away, right? So in 1982, the Federal Reserve raised interest rates so fast, and so many times that mortgage rates went to 18%. As we're recording this, mortgage rates are at 5.3%. So when I say this in front of a an audience, I was teaching in Seattle, there were 500 people listening. So just, you know, for shits and giggles, I basically went down to the stage and I stuck the mic in people's faces and I said, So if interest rates were at 18%, would you buy a single family home? No. Okay. Do you think anybody else bought a single family home? No. What do you think prices went down? Why the answers were 20 to 50%? Well, history tells us that in 1982, when interest rates to buy new homes were 18%. Home prices declined by 10% for one quarter, bounced up by 10%, the following quarter, and actually ended the 1982 recession higher than the beginning of the recession. study history. It tells you how sticky real estate is. Now, everyone, the biggest reason why people feel that prices are about to fall off a cliff is 2008. There's no other reason because if you look at the data from the last 61 years, all you notice is home prices are extraordinarily sticky when interest rates go up, because interest rates haven't gone up once or twice, or three times. Nine times in the last 61 years, the Federal Reserve has hiked rates to kill inflation, nine times, right? Eight times the economy went into a recession, how many times you'd be have real estate prices go down? Once 2008 because 2008 was not a recession. 2008 was the largest single evidence of large scale fraud in American history. Millions of brokers and 1000s of bank banks committed large scale fraud on about 20 million Americans. That's what caused those home prices to fall. I see no evidence of fraud at this point. If I if anything, underwriting standards are pretty darn robust. The people have trouble…   Michael: getting a mortgage is such a pain.   Neal: Right? So when you look at this, and you say, so every everything that you're doing is based on what you saw in 2008. But you're not comparing the US economy today to 2008, right. So let's go back to looking at 2007 and comparing it to today's economy. So you want home prices to drop by 20%? Okay, fine. Question is, have you looked at how many jobs the economy was creating in 2007 and have you compared that to today's jobs, right? So in the last three months, and people are saying we're in a recession, and maybe we can talk about that, in the last three months, the US created 500,000 400,400 1000 jobs. That's 1.3 million jobs in the last three months, we actually struggled to create that many jobs in most regular years. So in three months, we created 1.3 million jobs and of course, before you know anybody says, hey, the quality of the jobs is very low. They're part time no, they're not. Please go back and look at a a shockingly high percentage of those are full time jobs and then people are like, Yeah, but people are not getting paid enough.   These are standard objections, right because people are not studying the radar. No wage inflation is very high in the US right now in work have the upper hand. Wait, inflation is at 5.1%. Most years, it's one and a half percent. What that what does that mean? People are good people who have existing jobs are getting big raises and then there's 11 million open jobs in the United States. This is the first time in US history that we've been at 3.5% unemployment and still have 11 million jobs open. So the economy is producing jobs at two and a half times. It usually does in a normal marketplace. How do you factor that in with home prices falling 20%? It's the it's a highly desired asset that people want. Now, it's absolutely likely that home prices will fall. But the big question is, will they fall on a nationwide basis and the answer is that there is no data to support that. markets that are red, hot, white hot, some of those markets that I invest in Phoenix, Boise, Las Vegas, Austin, these are markets that are at risk of a 10% correction, maybe some markets might even get a 15% correction. But the US is combined of 330 markets. When you look at those 330 markets, the chances that we will see a 1% overall price reduction is still low and most people are talking about 10 to 20% based on what data?   Michael: Ah, I love it. I love it. Neal, this is this is super, super insightful. So kind of thinking about the feel part of the emotional part and the people talking about the 20% correction. There are those who have said that the Zillow or the kind of red fins that give estimates of value or rentability. It's almost a self-fulfilling prophecy if I'm an investor and I go on Zillow and see hey, this was only valued at 100k by Zillow, but it listed at 120 I just wanna be paying 100k. Is there some risk of that with public sentiment that prices should be falling with the Zillow effect that's not trademarked?   Neal: Let's call it the Zillow effect and actually, it's a very important thing to talk about because if you know, the question really is, is there a risk of that the there's a 100% chance that the Zillow effect will drag home prices down? Here's the catch, though. The Zillow effect is both ways, right? So we've also seen the Zillow effect when prices go up. So you're gonna see a short term curve downwards as the market adjusts and then when it adjusts, a whole bunch of people are like, home prices are 10% down, this is my chance to get in and it's not just, it's not just the individual investors anymore. America is fundamentally different in 2022, than it was in 2008. There one single company called BlackRock, I think is Blackrock or Blackstone, maybe I'm confused about that, it has now launched a $50 billion fund, just to buy homes during a dip and their definition of a dip is 7%. So the moment they see home prices falling 7%, they're gonna come in, and there aren't, it's not a billion dollar fund. It's not a $2 billion fund, it's $50 billion, just Google it, right. So just Google $50 billion home buying fund. Now, that's one company, but there's at least two dozen of them. So real estate now is an institutional asset class that rival stock markets, and people who invest at a big scale in the stock market, their dip is 5% 7% 10%. So you'll get that dip and they'll come in and they'll, you know, scoop up a bunch of these properties and then at some point, people will realize this market isn't going to crash 10%, they're going to be like, Yeah, but it's seven or 8%, or 12%, down in my area. Let me grab some properties and then you're going to see that correction and now all of a sudden, your backup as before you know it, this is normal, right? The market that we've had for the last 10 years where prices only go up. That's bizarre, that's abnormal. That's never happened before in US history. What we've seen before is prices go up. But they don't always go up in a straight line, they go up, they're just a little bit, they go down for three or four months, then they go back up, and the overall direction is upward. in markets like this. The Zillow effect is necessary, right?   I'm telling people number one, a dip in market prices is incredibly healthy. I've got my fingers and toes crossed that it happens. I've got my fingers and toes crossed that the US economy goes into a recession and most people would beat me up for that. It's like, why would you have your fingers and toes crossed for that? Short answer is when we have this much money floating around. If we do not occasionally adjust the economic cycle, we always end up in a bubble and bubbles when they burst of this size, create trillions of dollars in losses and can drag us into a 2008 type recession but if you look at the history, and again, I keep going back to this, the Fed has raised and income interest rates nine times and eight of those the US economy went into a recession, right? Only one of those eight was a destructive event 2008. All other seven events were in economic cycle, reset or adjustment and when you actually look at the effect of that recession over a three year timeframe, the net effect was zero, the cyclically adjusted, some of the bad companies fell out some of the bad developers fell out some of the bad money in the marketplace fell out and in the if you look at the long term trend, that that bumped down that six month recession had no real impact on the economy 2008 I can't say that, right. So once again, there's one time when we've seen total destruction happen, and that was because we perpetrated large scale fraud on American millions of Americans and using that as our benchmark to make all decisions in the future simply means we're ignoring 61 years of history.   Michael: Which seemingly is easy to do for a lot of people.   Neal: But for most people, it seems right. So I'm kind of looking at this going, this doesn't make any sense. Do you not realize that we just produced 1.3 million jobs in the last three months and isn't that the best way for company, companies are saying we're worried about recession, they're issuing earnings, you know, forward looking, and they're saying your earnings might reduce, and then they go off and hire 500,000 people in a month, right. So I mean, it's lip service for the stock market, it's lip service, for their for their, you know, phone calls with their investors. But they're not doing what they're saying they're going to do, which is reduce hiring, reduce hiring is half a million. Now normal months tend to be about 200,000 reduce hiring should be 100,000 new people being hired or 50,000, not 500,000.   Michael: Yeah, yeah. It's so interesting, Neal. So how do you take the data and use it when you're investing?   Neal: So one of the things that I do, and I'll kind of give you a little story on this on how I got started, so right, so I'm a data scientist. So right around 2009. I am, you know, looking at the real estate market, and everything looks incredible for me, of course, everyone else is telling me this is the worst real estate market of all time. So I go and tell my family, we should be buying all kinds of real estate today. Just buy everything in the marketplace, you know, with every last dime you have and then my family basically decides that I'm so stupid that they don't want me attending family events in case I infect other people with my horrible ideas. So I'm excommunicated from the family because, they like this guy is going to infect other people and we're going to lose millions dollars. So I'm like, okay, I'm gonna prove these people wrong. So I go and get gathered the best of my data science information and  I mined the Zillow website, I mined the Bureau of Labor Statistics website, along with a Ukrainian hacker was pretty good at mining. So we, you know, gather all this data together, we put it in a statistical software called R and we look at every city in America and up at the top is an unknown city, a town called Madera, California, mid era, it's 20 minutes from Fresno, right?   Nobody's ever heard of Madera, California. I know Madera, right and so Michael, what my data is telling me is, Madera, California is by far fallen way more than it should have, because from Peak 2005, it had already fallen in 2009 by 73%. So prices had fallen by 73%. But most markets fell by 30 and 40%. You know, some markets didn't even fall that much like Dallas only fell by 11%. So I'm looking at this falling 73%. I'm like, statistically speaking, this is the greatest market of all time. So I drive a jump into my car, I drive 144 miles to Madera, and I go there, and I see all these very beautiful Kaufman and Broad homes. They're like, gorgeous, like, they're brand new, right? Nobody's clearly nobody's ever lived in them. So I go to a broker in Madera, and I say, hey, what's happening here? I mean, these homes are gorgeous, right? Why doesn't anybody want to buy them and the answer is, well, Kaufman and Broad basically sold these two farmworkers, none of them had documented income. They've all left, so half the city's empty and I'm like, so. So what does it cost to make these beautiful five bedroom homes today? So it's like, yeah, if you were doing new construction would cost 250,000? So I'm like, but I'm, what are they available for? Oh, you can buy these for 90,000 any day, you know, they're all available for 90,000. You can buy as many as you like and I'm like, why in God's name? Would I not buy these for 90,000? He says, Neal only for one reason, one reason only one reason. You can't rent them. There's too many empty homes in Madera, so you can't rent them.   So you basically would have to buy these homes and then keep paying your mortgage in the hope that the market comes back someday. I'm like, I have to find a solution to this. There has to be a solution. So I jumped in my car again, I drive another 20 miles to Fresno, which is the big city, right and I go there, and I talked to a broker and I say, I want you to sell me an ugly property. He's like, Neal, no, no, no, no, I'll send you a brand new one. I've got plenty of them. None. I said no, I want a 30 year old ugly property in Fresno and he says, okay, well, these, you know, sells me a property. I buy it in cash. It's $110,000 on Summerfield, right? I take that property, I put pictures up on the web, and I go to my Ukrainian team and I say I want to In an avalanche of leads, rental leads for this one property and they're like, why? I mean, it's a pretty decent rental market in Fresno. Why do you want that many leads, I'm like, trust me, just give me like 5000 leads for this one property and they're like, okay, so the guy is sort of goes to back to his Hacking Team, and he hacks a bunch of sites, and he writes a bunch of scripts, and all of a sudden that property is like on the web 300 times in 26 different places and so is just listing it continuously using his engine and before I know it, the phone's just ringing off the hook, I'm, you know, my mailbox is filling up with leads. So I hired a person in the Philippines, this lady on a full time basis, and I say, call every one of these people and tell them this property is rented. But I have nine brand new properties 20 miles away in Madera and I will give you $50 amazon gift cards, if you just drive there and attend an open house $50, no questions asked. We'll just give you an Amazon or gas card and so she starts making phone calls. She was pretty good at her job. She'd been in a call center and you know, half the people swore at her because they would they were like, yeah, but this is not press No, this is Madera and it's like, well, this property is rented, I, you know, I've got these options and she would keep sending pictures to them by text, right, because people weren't reading, reading their emails, she would keep texting pictures of these beautiful properties and before I knew it, people were attending those open houses, I already had to deal with the banks where the moment I got a rent contract signed, I would pay cash for the property the next morning. Well, before I knew it, 11 properties were rented and then I turned around and repeated my success with my family and all of a sudden, I was making massive amounts of cash flow on these brand new homes, that now of course, they're all you know, $400,000 each.   But even back then, I was making so much money every single day on properties that I knew had to come back. It's all about the cost of construction. You don't hear about this on podcast, if it costs $250,000 to build something, and it's available for $100,000. Buy it because construction costs have never gone down in human history. They've only gone up and they've gone shockingly, up in the last two years. But even before that they've never really gone down. Nobody was able to reduce construction cost during the 2009 downturn. They simply didn't build anything, right. But did anybody get a reduction in construction costs? That's not possible. Most of our construction material doesn't even come from the US or I mean, our steel comes from places like China, right? You can't get a discount simply because your economy is in a recession. So it's all about construction costs. So once I had proven this algorithm, I decided I'm going to tell the world about it. But that's another story. So that's really how I got started in in single family and then I wrote algorithms, again and again, published them. As I said, the first time I had people that were for people listening to me last week, I had 1100 people listening to me, it's really about those algorithms. The only thing that's changed and this is the answer to your question, sorry, long winded but the answer to your question is, what I found was, when I spend this, use the same algorithm for single family that it has everything that I can possibly imagine except scale, I can never grow to a billion dollar portfolio, I can maybe grow to 10 million or 50 million, and a lot of people have. But if I apply the exact same data with multifamily, I have an 18 month crystal ball and I'll explain what that means and I was getting the same exact results. But because I was buying 200 units or building 300 units at a time, I was able to hit my goal of a billion dollar portfolio and I did it in I don't know that from 2014 to 2021, right. So seven years, I was able to hit a billion dollars. You just can't do that in the single family side. Otherwise, single family pretty awesome.   Michael: Neal, I love it. I absolutely love it. What happens and then I want to hear about your 18 month crystal ball. But what happens when things switch where the cost of new construction is cheaper than buying something that's existing?   Neal: My business is in trouble. We're all in trouble. But and so I obsess over that greatly. I go to all the conferences where I see new real estate technology coming out. I go to the modular conferences, I go to the 3d printing conferences. I look at what Amazon is selling online in terms of you know, kits I look at. I look at everything and I can tell you with complete confidence that in the next five to seven years, there is no technology that will drop cost of construction in the US. The first technology that I think will make an impact right around the 2030 timeframe is 3d printing. Modular is a laughable technology in the US. less than point 1% of homes in the US are made through modular and the total volume of modular factories in the US is under 5000 units. We need a million. So unless Congress decides to put $150 billion towards building ala carte factories, there's no volume and because of a company called KATERA, a very famous company K A T E R A going out and losing $2 billion of investor money. Nobody in the right white mind wants to build a modular factory modular completely, you know, not useful. 3d printing, yes. But remember, 3d printing only works in edge case scenarios, because the property looks odd because of all that concrete that you have to basically put on. So I think it'll work in subsidized housing for the first 10 years. So let's say 2030 to 2040. It'll be in subsidized housing by the end of 2040. I think 3d printing will completely change all math around construction and we'll do a full reset of real estate. So luckily, I'll be gone long before them.   Michael: I would say, well, hopefully this podcast is still in existence, we'll have to have you back on in 2040. To talk about it. Yep, so give us give us some insight into your 18 month crystal ball because that's something I've never heard before.   Neal: Yeah. So I love you know, again, going back to Statistics, right? So when we're crunching numbers or big data with our teams, one of the things we realized is when a market starts to see home prices going upwards. Okay, so it's home prices are screaming upwards, right in a certain market. What we noticed was between 12 and 18 months later rents in that market explode. Okay, between 12 and 18 months later, but not immediately and you might say, why not? Well, the short answer is, what happens is that there's a bunch of people in that market that are looking at home prices going up, and everybody wants to be on that train when it's going upwards. So they jump in, they buy these homes, and then that makes more people want to jump in and buy those homes, because they're friends, you know, their homes are worth a lot more and so you see this upward momentum and then finally, the market hits a critical point where most people that are looking to buy a new home in that marketplace, their income doesn't allow them to qualify, not most substantial portion of those people, right, so you get to maybe a quarter of all the people in market X can no longer qualify based on their income, right and the moment that happens, those people, they realize that their dream of homeownership is gone forever and then they don't want to go live in an apartment, what they'd want to do basically is they either wanted to go live in a class A apartments, so it's amenitized, with pools and gyms, and all those kinds of things or they want to go live in a built to rent community, which I'm building lots of, which essentially is the same as a single family home, but it's for rent.   But it's better than a single family home, because you've still got the pool and the jacuzzi and, and the dog park and the park, right, because it's 200 single family homes in one community, it's just that you're renting that home instead of buying it. So now you have a massive increase in demand for those kinds of assets because people realize I simply cannot buy any more unless I get a huge salary increase. I'm going to be renting, then those people they want to rent the best property they can find. At the very high end, they're going to be doing built around a single family rentals below that they're going to be doing built around. Below that they're going to be doing class a multifamily below that they're going to be doing Class B and Class C multifamily. So all of these rental markets see a massive boost. So this crystal ball works for every market, we've never actually found an exception to this rule with some weirdo exceptions in in rent control markets where rents simply can't rise. So as long as the market is not rent controlled, we have never seen an exception, the crystal ball works. The only part of it that is a little fuzzy is sometimes we see rents going up as soon as 12 months after the explosive growth of home prices and sometimes it takes 18 months.   So that crystal ball makes my life so much simpler because crystal balls are so hard to find actual crystal balls and reliably work are so hard to find. So I just look at these markets that are seeing these massive increases in home prices and I go buy a multifamily there, I have a business plan to rehab that multifamily and do value ads with it and do or maybe I'm doing new construction. So either way, I have a business plan. But that's my plan A but what I've found so far is in every instance that I've done this plan B has worked better, which is simply the market just went exp has explosive rent growth. So I didn't actually ended up implementing my business plan. I simply ended up selling my property in 18 to 24 months and making my investors a lot of money. I mean, I don't know of anybody else in the US that uses Core Data Science, not just numbers, but core data science to do what we do. We've had 37% IRR 47% annualized returns for our investors by simply using the crystal ball over and over again, over and over again. I mean, and I can tell you what those cities local like today, and I guarantee you've not heard of many of those cities.   Michael: Neal, I love it. What would you say have seen massive price appreciation? What is that mean because I think massive could mean different things to different people. So is there a percentage that you say, hey, you know what we crossed this threshold, that's the city that I want to invest in?   Neal: Oh, absolutely. The short answer is with multifamily. It's only about 25- 30% increase in prices. So one of the things that most people don't understand is, you don't need prices to double to double your profits, because you use leverage. So let's say somebody buys a $10 million building, and $3 million of that is equity, right or down payment, and 7 million of that is a loan. Now, let's say this building goes from $10 million to $13 million, right? So you've it's only gone up 30%. So if you sell it for 13%, and you return that $3 million in equity, right, there's $3 million in profit, plus all the rents you got for two years while you were holding it. So you've doubled people's money in two years or three years, right, even though the property's only gone up 30%. So that's very important to realize, 25 to 30% increase, usually doubled investor money in during the whole time and recently, those hold times have been very short, two years, two and a half years. So essentially, that means 45-50%, annualized returns. Now in normal times, it takes about five years to get to that point. So you're, you're doubling investor equity in five years, but that's still 20% annualized returns and I think that's pretty awesome because the investors are doing nothing, they attend a quarterly webinar, and they read a monthly update and if they, if they like you, they don't even do that. They just sort of delete your emails when they come to cash flow, right. As long as their cash flow checks are coming in. They're not reading anything you're sending them.   Michael: They're not complaining. That's it, that's it. Neal, this has been so much fun. Where can people learn more about you continue the conversation, and what's the best way for them to get in touch?   Neal: So I'm lucky enough that I'm the only Neal Bawa on the World Wide Web. So simply typing in any URL, and bawl and hitting enter into Google. There's a couple 100 podcasts that I've been on. They're geeky and nerdy, like this one too. But and if you're interested in my metrics, if you want to figure out what is that next unknown city that is going to have explosive growth, type in Neal space Bawa space, location, magic into the web, and you will see a 45 minute course that walks you through that process. So you can find those cities yourself. Or you can simply be lazy and go to my website multifamilyyou.com and find location magic they are sometimes we call it real estate secrets, same webinar, go in there and there's a list there's a list of those cities. You know, and I believe a lot of them are tertiary markets, but a lot of them are actually 35 minutes away from some kind of primary or secondary market, I find that the primary market secondary markets are really too expensive and are at much greater risk today of price drops. So like I wouldn't go out and in buy a property in Austin. But I've surrounded Austin with seven different properties because I find it to be the hottest city in America for the next 10 years. I'm just not interested in paying what I have to pay what I would have to pay in Austin. So I've literally surrounded Austin in all four directions with my portfolio.   Michael: Super clever. I can't wait to see how that works out. Neal, thank you so much for taking the time and coming on sharing with us. Really appreciate it and I'm sure we'll be chatting again soon.   Neal: Thanks for having me on the show.   Michael: Okay, everyone, that was our show a big thank you to Neal for coming on. Tons and tons and tons and tons and tons of meat and potatoes there to go digest and really think about because Neal kind of flipped the script on what a lot of people have been saying for a long time. So as always, if you enjoyed the episode, definitely we would love to hear ratings, feedbacks review from all of you, and we look forward to seeing the next one. Happy investing…