Podcasts about National Association

Danielle Roberts is a founding partner of Boomer Benefits, a national top-producing agency specializing in Medicare-related insurance products across 47 states.   She's a member of the Forbes Finance Council, where she writes about Medicare Retirement and Personal Finance, and is also a past president of the Fort Worth chapter of the National Association of Health Underwriters.   Danielle discusses her pivot from journalism to business, sparked by financial necessity and nurtured through hands-on learning in the staffing industry.   She explains how her early hustle—cold-calling and door-knocking—laid the foundation for a business serving clients in 47 states.   Danielle highlights the complexity of Medicare and how Boomer Benefits stands out by offering not just insurance, but exceptional, ongoing client support.   Danielle emphasizes the importance of simplifying complex topics for clients, investing in team culture, and maintaining confidence and persistence as a new entrepreneur.     Website: Boomer Benefits LinkedIn: Danielle Kunkle Roberts   Previous Episode: iam292-founding-partner-helps-baby-boomers-navigate-medicare-and-supplemental-coverage   Check out our CEO Hack Buzz Newsletter–our premium newsletter with hacks and nuggets to level up your organization. Sign up HERE.  I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: http://cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!

I'm showing up raw and real in this episode—white tee, unfiltered, and straight from the heart. I take you behind the scenes of my journey from fear-filled moments to life-altering breakthroughs. From failing multiple CPA exams to quitting a secure job at Deloitte, from launching Budget Dog to facing my daughter's rare medical condition—every leap was powered by fear. But not the kind that paralyzes; the kind that fuels you when there's no other choice but to rise.   In this episode, I share how fear can either break you or build you. I recount how I used fear to pass the CPA exams against the odds, walk away from my 9-to-5, support my family through unimaginable challenges, and ultimately find our dream home after losing almost everything. This is the rawest, most powerful episode I've ever recorded—and I hope it lights a fire in you to lean into your own fears.   Timeline Summary [0:00] Why I ditched the polished look for this episode and decided to go raw and real [2:09] The pivotal moment that shifted my mindset after college [4:11] My intense CPA study grind and early failures that nearly broke me [6:13] The public humiliation that sparked a turning point [11:04] The moment I finally passed the CPA exams—and what it taught me about fear [13:30] How I transitioned from Deloitte to full-time entrepreneurship with Budget Dog [16:12] The conversation that led me to leave my 9-5 earlier than planned [18:05] Welcoming my daughter Logan and the life-changing diagnosis we faced [23:08] Retiring my wife and relocating to Texas for Logan's care [28:22] Discovering mold and mycotoxins—and losing nearly everything [33:55] Facing homelessness, uncertainty, and massive financial losses [37:13] The moment we found our safe home and a new beginning [40:59] Why fear has become my greatest motivator   Quotables “Fear isn't something to run from—it's a signpost pointing to your next breakthrough.” “Public failure hurt, but it also lit a fire that nothing else could.” “Just because I'm financially free doesn't mean I'm not human—I still feel fear, but I've learned to use it.” “What most people see as setbacks, I see as setups for something greater.” “When life gave us fear, we didn't back down—we leveled up.”   Links & Resources https://bookwithbudgetdog.com/ped National Association of State Boards of Accountancy (NASBA) Functional Neurologist & Health Journey Insights (referenced in Logan's story)   If this episode moved you, I'd love for you to leave a review, follow the podcast, and share it with someone who needs to hear this. Thanks for tuning in—and remember, fear might just be the sign that you're on the brink of greatness.

Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    The same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Want to boost your home's value before listing? Start here. This week, we spotlight the top home projects that increase value—from curb appeal and staging to creative listing strategies. Ginger Wilcox, president of Better Homes and Gardens Real Estate, shares quick curb appeal wins. REALTOR® Orion Moquin of Portsmouth, New Hampshire, reveals how a staged Bigfoot sighting grabbed buyer attention. Brandi Snowden, director of member and survey research at the National Association of REALTORS®, shares new data on how staging influences today's buyers. Michael Alladawi, CEO and founder of Revive Real Estate, explains how presale renovations can help sellers maximize profits—and how his company fronts the costs until closing. Then, Guest House CEO Alex Ryden discusses staging strategies that create beautiful, buyer-ready spaces, and which areas to prioritize to make a property shine. Plus, design expert Melissa Dittmann Tracey reveals whether air fresheners are helping or hurting your home's appeal during showings.

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Mathy Stanislaus, Vice Provost Executive Director of The Environmental Collaboratory at Drexel University about Community Collaboration, Influencing Policy, and Resilience.   Read his full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes:  1:40 - What drives your passion?11:34 - Interview with Mathy begins 19:22 - How to find meaningful work33:30 - Field Notes!43:27 - Power of experiential learning Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Mathy Stanislaus at https://www.linkedin.com/in/mathy-stanislaus/Guest Bio:Mathy Stanislaus, Esq., is the Vice-Provost and Executive Director of The Environmental Collaboratory at Drexel University that partners with community leaders to advance climate justice priorities and solutions.Mathy served eight years as the Obama Administration Senate-confirmed Assistant Administrator for the U.S. EPA Office of Land & Emergency Management. During his tenure, he spearheaded the nation's first climate emergency preparedness plan and co-chaired President Obama's Chemical Plant Safety Task that led consultations across the country to establiss to address the impacts on fenceline communities from chemical plant accidents.   Before joining Drexel, Mathy led the establishment of a multi-stakeholder platform at the World Economic Forum to address child labor/force labor in the procurement of critical materials necessary to advance the scale of batteries and EV and renewable energy.   He was a long-term member of the Board of the NYC Environmental Justice Alliance.  Mathy is an environmental lawyer and chemical engineer.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MullerSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

The U.S. Labor Department reported the weekly Initial Jobless Claims; Kevin has the details, digs into the data and offers his insights. S&P Global released the U.S. manufacturing purchasing managers index (PMI) and U.S. services PMI; Kevin discusses the report and offers his perspective. The National Association of Realtors reported April existing home sales; Kevin looks at the data and puts it into perspective. Oil reacts to OPEC+ discussing a production increase for July, an unexpected rise in U.S. crude oil inventories and the expiration of U.S. oil company Chevron's license to operate in Venezuela. Kevin pays tribute to our fallen heroes as we enter this Memorial Day Holiday weekend.

Check out Bernadette's book, Daughter Lessons, here! Check out Heidi's book, Love Lessons, here! BiosErica Zolner, Partner at Redgrave LLP, has over two decades of experience with high-stakes business litigation, multidistrict litigation, and class action matters.  She provides proactive and strategic legal counsel in eDiscovery and Information Law matters, including advising clients on the development and execution of defensible eDiscovery processes crucial for navigating contentious, high-stakes litigation.  She is also recognized by peers as a leading lawyer in the field of E-Discovery and Information Governance, as reflected in the Chambers USA rankings. With a track record of handling complex, “bet the company” matters, Erica's cases have spanned a variety of practice areas, including antitrust, product liability, trade secrets, mass tort, and healthcare insurance matters.  She has served as lead counsel in jury and bench trials in both federal and state courts, and her trial work includes delivering opening statements, handling witness examinations, presenting and defending expert witnesses, and presenting trial motions. Erica oversees case strategy and all aspects of discovery coordination and trial preparation, including negotiating pre-trial case management orders addressing discovery issues, preparing and defending corporate representatives for testimony in connection with 30(b)(6) depositions on discovery issues, motion practice regarding discovery disputes, and supervising the identification, collection, review, and production of electronically stored information (ESI). Erica's experience developing efficient eDiscovery and information governance solutions related to records retention and challenges posed by emerging technologies allows her to craft targeted strategies that address clients' specific and complex business needs and information technology environments. Before joining Redgrave, Erica spent close to 20 years at Kirkland & Ellis LLP, the last 12 years as a partner.  She received her J.D., cum laude, from Northwestern University Pritzker School of Law and her B.A., summa cum laude, from Oklahoma State University, B.A.  Erica is an active member of the National Association for Women Lawyers (NAWL) and serves on NAWL's Annual Meeting Leadership Committee.  Heidi Friedman is a partner at Thompson Hine, focusing on environmental law, regulatory compliance, and sustainability. She co-chairs the firm's ESG Collaborative and founded the Spotlight on Women program. With over two decades of experience, Heidi is a thought leader, guiding clients through complex legal landscapes with innovative and sustainable solutions. Her experience includes environmental risk management, regulatory enforcement, and corporate sustainability initiatives. Heidi's career is distinguished by her commitment to excellence and her ability to navigate the intersections of law, business, and environmental stewardship. Recognized for her strategic insights, she translates complex legal issues into actionable business strategies. Her dedication has earned her numerous accolades, including being named a "Top Lawyer" by various industry publications. Heidi's commitment to authenticity and her ability to connect with clients and colleagues have made her a respected figure in her field. Her insights on personal branding are rooted in her professional experiences and her belief that staying true to one's values is key to long-term success. Heidi is also the author of "104 Dates and the Stories that Led Me to True Love," where she shares her personal journey of finding love after 104 dates.  Bernadette Catalana is an experienced litigator, negotiator, and team leader. She lives in New York City and is the partner-in-charge of the Thompson Coe Cousins and Irons New York City office. Bernadette is an active mentor and is especially committed to supporting other women in the practice of law. An accomplished speaker, both live and on podcast, Bernadette has also authored a book, Daughter Lessons, which is a compilation of essays about what she has learned as one of six daughters and as the mother of two period. She is a frequent poster on LinkedIn, sharing the human side of practicing law and practicing life.

Ever wondered what 40 years of real estate wisdom sounds like? Leigh sits down with her real estate “mama,” Connie M. Corey, for a masterclass on how to build trust, keep clients for generations and survive everything from busted floor joists to government boards. Just when you think it's all business, wait for the story that ends with matching pajamas, water slides, and one unforgettable Christmas tradition!   Key takeaways to listen for How a law enforcement career and a casual open house launched Connie's path in real estate Why some tenants choose to rent for life and what great landlords understand How relationships built a 3-generation client base What Connie's 8-year board service taught her about inspections The #1 tip Connie gives new REALTORS®   About Connie M. CoreyConnie M. Corey is a respected, award-winning real estate professional with decades of experience and deep roots in North Carolina's real estate community. A consistent Multi-Million Dollar Producer, she is a proud member of the Greenville-Pitt Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.   Connect with Connie Email: connie@greenvillenc.com Facebook: Connie M. Corey Instagram: @conniecorey01 Phone number: 252-341-9969   Connect with LeighPlease subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.   Sponsors "You Ask. Leigh Answers." Your Affordable Coaching ProgramHey there, real estate pros! Are you ready for some more Leigh Brown wisdom in your life? Then don't miss out on my brand-new program, "You Ask. Leigh Answers." It's your exclusive gateway to the insights and advice you need to supercharge your real estate business. With "You Ask. Leigh Answers." you get Direct Access to Leigh Brown, directly! Expert Coaching, Community Connection, and Extensive Resources. Whether listening to this on the go or watching at home, sign up today at Answers.RealEstate and take your business to the next level. Trust me, you'll be glad you did!  

Episode Notes Alec Patton talks to Juliette Price, the senior Improvement Science coach at the National Association of Higher Education Systems, about how their Network Improvement Community has achieved its remarkable results on transfer enrollments from two-year to four-year colleges.  You know you want to try it: David Williams's Mr. Potato Head Game Check out Juliette's Substack Newsletter, This Is Your Brain On Improvement Read more about NASH

Many small business owners have experienced pouring money into campaigns that simply don't connect with their audience and just don't bring in results. In our latest episode, we're joined by Debbie Oster, a brand and marketing strategist who helps businesses transform those scattered efforts into a focused plan, tailored to their customers.    If you are a small business owner who's overwhelmed by marketing options and unsure where to invest your resources, you'll want to listen. Together, we explore why a solid strategy is the foundation of effective marketing and how to move beyond random tactics. We also discuss key strategies for impactful marketing, including:    Clarifying your business goals to inform your marketing objectives.    Deeply understanding your target audience's struggles and aspirations to create compelling messaging.    Getting strategic about where to focus your marketing spend for the best return. Developing messaging that resonates by speaking to your ideal client's desires.    Tune in to discover Debbie's expert insights on how to stop the cycle of ineffective marketing and start building a strategic foundation that will really move the needle for your business! About Your Host DCA Virtual Business Support President, Denise Cagan, has been working with small businesses for over 20 years. She has served on the boards of professional organizations such as Business Leaders of Charlotte (BLOC) and the National Association of Women Business Owners Charlotte (NAWBO). Denise is also a graduate of the Goldman Sachs 10,000 Small Business Program, which is a program for small businesses that links learning to action for growth-oriented entrepreneurs. Recognized as a facilitator, problem solver, and builder, Denise enjoys speaking to business groups about social media for small businesses and motivating remote and work-from-home (WFH) teams. She holds a Bachelor of Science in Quality Systems Management from James Madison University. With extensive experience in outsourcing solutions that provide administrative, creative, marketing, and website support, she is able to help other small businesses grow and thrive. Connect with Denise DCA Virtual Business Support website. View and listen to Podcasts with Denise Cagan. LinkedIn

In this podcast episode, Karen Fabian, a seasoned yoga teacher with over 22 years of experience, discusses imposter syndrome and its impact on yoga instructors. She describes imposter syndrome as a feeling of inadequacy or self-doubt, where teachers feel they are "faking it" or not qualified enough, despite their training and expertise. This often stems from the pressure of public speaking, the deep responsibility of guiding students through a practice rooted in ancient traditions, and personal limiting beliefs tied to past experiences. Karen emphasizes the importance of detachment from external validation to build confidence, advocating for a consistent teaching approach, such as using a signature sequence, to reduce anxiety and foster authenticity. She shares practical strategies, like grounding exercises and pre-class breathing, to manage nerves and encourages teachers to reflect on their teaching experiences to find balance and authenticity. --Yoga teacher, Podcast Host, Author and Founder of Bare Bones Yoga, Karen Fabian has a background in rehabilitative medicine and healthcare. Her passion for anatomy and human movement is behind all she does, including her work with yoga teachers inside her program, The Yoga Anatomy Blueprint Learning Program. Along with her qualifications as a yoga teacher, she also earned her Certified Personal Trainer certification in 2017 and Corrective Exercise certification in 2019 with the National Association of Sports Medicine to deepen her knowledge of human movement.Her mission is to empower and educate yoga teachers so that they can share exceptional and accessible classes in their communities, online and in a variety of settings. She firmly believes in the ripple effect of yoga's benefits moving from teacher to student to family and community. Her podcast, “Conversations for Yoga Teachers” has over 300 episodes and over 200K downloads and shares lessons in anatomy, cueing and sequencing and shares stories from other yoga teachers and experts in related fields.She's written several books including “Stretched: Build Your Yoga Business, Grow Your Teaching Techniques,” and “Structure and Spirit.”Karen has her B.S. in Rehabilitation Counseling from Boston University and her Master's in Health Care Administration from Simmons College. She is an Experienced Registered Yoga Teacher, a Yoga Alliance Continuing Education Provider and was one of the first Certified Baptiste Yoga Teachers. She has been teaching since 2002 and lives in Boston.Linkshttps://barebonesyoga.com/https://www.tiktok.com/@barebonesyogahttps://www.instagram.com/barebonesyoga/reels/https://www.youtube.com/@KarenFabianKaren's Freebieshttps://barebonesyoga.lpages.co/the-5-day-confidence-challenge/https://barebonesyoga.lpages.co/the-bare-bones-yoga-guide-to-incredible-yoga-teaching/https://barebonesyoga.lpages.co/free-guide-steps-to-confident-teaching/https://barebonesyoga.lpages.co/how-to-build-a-yoga-sequence-lead-page/ Hosted on Acast. See acast.com/privacy for more information.

Alison Arngrim is an American actress, author, philanthropist, and advocate for the protection of children from abuse, exploitation, and neglect. At five years old, Alison began her television career and is best known for her portrayal of Nellie Olsen on the NBC television series, "Little House on the Prairie."  In this episode, Alison discusses her experiences of being a child actor and growing up in a family where working in show business was the norm… having a slow-down in bookings at eleven years old, prompting her father to tell her that her acting career might be over… at twelve years old, being cast as Nellie Olsen in "Little House on the Prairie"… after years of being famous, doing shows and personal appearances, finding ways to schedule downtime and relax… how stardom affects people's expectations of her in social gatherings… beginning her comedy career at fifteen years old, at the height of her popularity on Little House on the Prairie, by writing a comedy act with a group called The Village Idiots and performing in Los Angeles clubs and coffee houses four nights a week… beginning to her philanthropic work at twelve years old then, in the 1980s, when the actor Steve Trace went public with his AIDS diagnosis, volunteering to support the AIDS Project Los Angeles… in the early 2000s, becoming involved with a newly formed The National Association to Protect Children (protect.org), working with Congress and many States to enact legislation to rescue children, combat child exploitation and human trafficking, support cutting-edge technology, and increase government accountability and transparency…. going public with her own abuse as a child… now serving as President of The Board of Directors of The National Association to Protect Children… and encouraging us all to use our strengths and our weaknesses. You can learn more about Alison Arngrim and her tour schedule at BONNETHEADS.com

Vince, a HAM Radio Enthusiast, inventor, brainstormer, and all around creative spirit, dives DEEP into the world of HAM Radio. Frequencies, channels, crystals, Amateur Radio laws, and a whole lot more intricacies are revealed! A perfect Inspirado Projecto episode for anyone desiring knowledge about HAM radio, and also for those who've been actively engaged with this fascinating world for a long time already! Also featured in this episode are Richard Wilson, Stew Strauss, a word from PSY-CORPS, and singer/songwriter Blythe Baines! Here are some HAM radio resources: National Association for Amateur Radio... https://www.arrl.org/ HAMsphere - Amateur Radio for your computer or smart device... https://hamsphere.com/ Boy Scouts Merit Badge Handbook... https://filestore.scouting.org/filestore/Merit_Badge_ReqandRes/Pamphlets/Radio_2025.pdf Richard Wilson's Halloween girl comic book series... https://www.amazon.com/stores/Richard-Wilson/author/B09FRG9Q22?ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=true Stew Strauss, the Woodsman... https://soundcloud.com/stewstrauss Blythe Baines music... https://open.spotify.com/artist/11T5aPjQHiRbtqpvnKDg9p My "Andy Kaufman Is Alive" mini-album... https://open.spotify.com/album/42b2IphQfNi1vMXDlLIfuU Yachtley Crew yacht rock band tour schedule... http://yachtleycrew.com Stay tuned for part 2 with Vince!

In honor of Mental Health Awareness Month and Military Appreciation Month, we're rekindling our interview with Olympian Samantha Schultz, former modern pentathlete and member of the US Army World Class Athlete Program. Samantha realized her goal of becoming an Olympian--but then after Tokyo 2020, she discovered underlying mental health issues, including an eating disorder, that turned her life upside down. In early 2024, Samantha shared her journey with us and how she's working toward better mental health. Follow Samantha on Instagram and YouTube!   If you're struggling with mental health, finding the right support can help you get on a better path. In the US, anyone can call or text 988, the suicide and mental health crisis hotline. Resources for eating disorders include: National Eating Disorder Association: https://www.nationaleatingdisorders.org/ National Alliance for Eating Disorders: https://www.allianceforeatingdisorders.com/ The Bulimia Project  https://bulimia.com/ National Association of Anorexia Nervosa and Related Disorders: https://anad.org/ and helpline: 1-888-375-7767   For a transcript of this episode, please visit http://flamealivepod.com.   Thanks so much for listening, and until next time, keep the flame alive! *** Keep the Flame Alive: The Olympics and Paralympics Fan Podcast with hosts Jill Jaracz & Alison Brown. New episodes released every week, and daily during the Olympics and Paralympics.   Support the show: http://flamealivepod.com/support Bookshop.org store: https://bookshop.org/shop/flamealivepod Become a patron and get bonus content: http://www.patreon.com/flamealivepod Buy merch here: https://flamealivepod.dashery.com Hang out with us online: Facebook: https://www.facebook.com/flamealivepod Insta: http://www.instagram.com/flamealivepod Facebook Group: hhttps://www.facebook.com/groups/flamealivepod Newsletter: Sign up at https://flamealivepod.substack.com/subscribe VM/Text: (208) FLAME-IT / (208) 352-6348        

Julia McIlroy, Procurement Content Manager for the National Association of State Procurement Officials, discusses administrative preparedness for public health emergencies; Lillian Colasurdo, ASTHO Director of Public Health Law and Data Sharing, tells us about legislative trends regarding mosquito control; an ASTHO webinar on Thursday, May 29th will focus on how defined levels of maternal care can reduce maternal mortality and improve outcomes; and Dr. Manisha Juthani, ASTHO President-Elect and the Commissioner of the Connecticut Department of Public Health, recently delivered a commencement address. ASTHO Webinar: Strengthening Administrative Preparedness in Public Health Agencies ASTHO Blog Article: Legislative Trends for Mosquito Control in the United States ASTHO Webinar: Defining Care, Saving Lives – The Role of Levels of Maternal Care in Mortality Reduction  

Frankie Russo is coming at you with fire, with inspiration, and with a powerful message about why your five-year-old self might hold the key to building better relationships. We talk about moving from confidence to conviction, why most of us are afraid to show up as our real selves, and how that's affecting every relationship in our lives. And in fairness to my audience, we even do a little therapy session about my own journey with authenticity!Join our exclusive email list and unlock even more valuable insights, expert advice, and bonus content to enhance your relationship superpowers. —sign up HERE today!Connect with Barb BettsInstagram: @barbbettsFacebook: @barbarambettsYouTube: youtube/@barbbettsWebsite: www.barbbetts.comLet's Stay in Touch!https://www.liinks.co/barbbettsBarb Betts is a sought-after keynote speaker, seasoned real estate expert, passionate educator, and the CEO of The RECollective, a thriving boutique brokerage in Southern California. Barb has delighted countless stages including, Inman Connect, WomanUP!, and at the National Association of REALTORS® Annual Conference. Whether she's teaching on referrals, authenticity or leveraging relationships, Barb brings an honest, compassionate, and transparent approach to every single stage. As a real estate professional, with over 20 years experience, Barb has mastered the ever changing real estate landscape and the balance of running a vibrant brokerage. Through her signature course, Real Estate By Relationship®, Barb educates business builders on the exact systems, proc...

Wine Selection: This episode pairs perfectly with a 2023 Voces Tempranillo from Bodegas de la Real Divisa, a Mexican-American owned winery celebrating heritage through vibrant, bold expressions. In this powerful episode, Jessica sits down with first-generation Mexican-American attorney Adriana Brava, who's on a mission to protect families of color through legal education and estate planning. Over wine and honest conversation, they explore how communities of color can build generational wealth, avoid costly legal battles, and transform their approach to difficult but necessary end-of-life conversations. Adriana shares her 20+ year journey in law, personal stories that shaped her mission, and practical advice that every family needs to hear. In This Episode: Adriana reveals why she dedicated her career to estate planning after witnessing devastating financial and emotional costs in families of color The taboos around death and money in Latino culture and how to break them Why high-net-worth families have been protecting their assets for generations and how communities of color can access the same strategies Practical first steps any family can take toward legal preparedness regardless of income level The emotional toll of family disputes over incapacitated loved ones and how proper planning prevents these heartbreaking situations Adriana's journey from South Bay to Berkeley and back to Long Beach, and how her roots influence her practice Quotes from the Episode: "The only thing preventing communities of color from building generational wealth is a lack of legal awareness and facing the reality that life is not guaranteed." - Adriana Brava "Estate planning isn't just for the wealthy—it's for anyone who wants to protect their family from unnecessary stress and financial hardship." - Adriana Brava "In our culture, we don't like talking about death, but I've seen what happens when we avoid these conversations. It's time we normalize planning for our family's future." - Adriana Brava Resources Mentioned: Adriana Brava Law - Get connected with Adriana's services Estate Planning Basics Guide - Free resource for podcast listeners National Association of Latino/a Attorneys - Professional organization Wealth Building for Communities of Color - Recommended reading About Adriana Brava, Esq.: Adriana Brava is a bilingual attorney with over 20 years of experience serving Los Angeles and Orange County. As a first-generation Mexican-American, she's committed to protecting families through education and legal services. After witnessing the devastating financial and emotional impact of deaths and major life changes on unprepared families, Adriana now focuses on bringing high-quality estate planning services to communities of color. She received her education in Berkeley and San Francisco before returning to Southern California, where she currently lives in Long Beach. Connect with Adriana: Instagram: @adrianabravaesq Website: www.adrianabravalaw.com Email: bravalaw@gmail.com Support the Show: Love Wine & Chisme? Subscribe, rate, and review us on Apple Podcasts or Spotify. Your support helps us continue amplifying diverse voices and stories! Follow us on Instagram @thewineandchisme and visit our website www.thewineandchismepodcast.com for our directory of Latiné-owned wine brands and more resources. © 2025 The Wine & Chisme Podcast. All Rights Reserved.

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions. Bob says the rain we’ve been having will help and we’ll see some growth when it warms up.

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions. Bob says the rain we’ve been having will help and we’ll see some growth when it warms up.

Justin Bradley joined the Loyola University Chicago men's basketball staff in August 2023 as an assistant coach. Bradley most recently served as an assistant coach at Seattle U during the 2022-23 season, helping the Redhawks to a 20-12 record last year and a fourth-place finish in the Western Athletic Conference (WAC). Additionally, Bradley helped coach Cameron Tyson and Riley Grigsby to All-WAC honors this past season. Bradley has proven to be one of the nation's top young basketball coaches, being named to Silver Waves Media's 2021-22 and 2022-23 Most Impactful Mid Major DI Assistant Coaches list. He also earned recognition on the National Association of Basketball Coaches (NABC) prestigious 30-under-30 Team in 2018.Bradley went to the Pacific Northwest after spending six years in the Northeast. He was an assistant coach on staff at Dartmouth College in 2015-16, then spent two successful seasons (2016-18) at Williams College in Williamstown, Mass., helping the Ephs advance to the NCAA Division III Final Four in 2017 and finish both campaigns ranked fifth in the country.He was involved in all aspects of the recruiting process, assisting in game preparation and strategy while overseeing the player development for perimeter players. Three players earned All-NESCAC honors during his time at Williams, including 2018 Player of the Year and second-team All-American James Heskett.Bradley returned to Dartmouth as an assistant coach beginning in 2018-19, before being elevated to associate head coach prior to the start of the 2020-2021 season while recruiting and coaching current Rambler Dame Adelekun. Regarded as a top-notch teacher and a global recruiter, Bradley helped mentor several all-conference players including former Rambler Chris Knight (second team twice), Brendan Barry (second team) and Evan Boudreaux (Rookie of the Year/second team).To View This Episode- https://youtu.be/tMY7_nvwbps#whoknewinthemoment #philfriedrich #loyolachicago #loyola #podcast #ncaabasketball

Jungian Psychoanalysts Laura Tuley and John White discuss Jungian Analysis in a World on Fire: At the Nexus of Individual and Collective Trauma, a volume of essays, all authored by practicing Jungian psychoanalysts, of which they were the editors. It examines and illuminates ways of working with individual analytic and therapeutic clients in the context of powerful and current collective forces, in the United States and beyond. Our Spring Fundraising Drive is live! Support this podcast by making a donation today. The first $7,000 in donations will be matched! Laura Camille Tuley, PhD (USA) is a Jungian Psychoanalyst in private practice in Madison, Wisconsin. She is the co-editor of Jungian Analysis in a World on Fire: At the Nexus of Individual and Collective Trauma (Routledge, 2024) and has contributed to Psychological Perspectives, Exploring Depth Psychology and the Female Self: Feminist Themes from Somewhere, Mothering in the Third Wave, Art Papers, Hypatia, the New Orleans Review and the APA Newsletter on Feminism and Philosophy. Tuley is a faculty member of the New Orleans Jung Seminar of the IRSJA and the co-editor of the “Clinical Commentaries” and “Film and Culture” features of the Journal of Analytical Psychology. John R. White, PhD's training was in philosophy and he was a philosophy professor for twenty years. As he moved into midlife, he began training as a psychotherapist. He has a Masters in mental health counseling from Franciscan University of Steubenville. He is also a psychoanalyst in the tradition of Carl Jung. He is a member of the Interregional Society of Jungian Analysts (IRSJA) and an associate member of the National Association for the Advancement of Psychoanalysis (NAAP). He practices psychotherapy according to psychodynamic, classical Jungian and archetypal approaches and more broadly in all approaches associated with “depth psychology”. Learn more at johnrwhitepgh.org. Edited by Laura Camille Tuley and John R. White: Patricia Martin, MFA, is the host of Jung in the World. A noted cultural analyst, she applies Jungian theory to her work as a researcher and writer. Author of three books, her work has been featured in the New York Times, Harvard Business Review, Huffington Post, and USA Today. She holds an MFA in writing and literature from Bennington College and an MA in cultural studies at the University College, Dublin (honors). In 2018, she completed the Jungian Studies Program at the C. G. Jung Institute Chicago where she is a professional affiliate. A scholar in residence at the Chicago Public Library, for the last decade she's been studying the digital culture and its impact on the individuation process. Patricia travels the world giving talks and workshops based on her findings, and has a private consulting practice in Chicago. Be informed of new programs and content by joining our mailing list! Support this free podcast by making a donation, becoming a member of the Institute, or making a purchase in our online store! Your support enables us to provide free and low-cost educational resources to all. This podcast is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. You may share it, but please do not change it, sell it, or transcribe it.Executive Producer: Ben LawHosts: Patricia Martin, Judith Cooper, Daniel Ross, Adina Davidson, and Raisa Cabrera2024-2025 Season Intern: Kavya KrishnamurthyMusic: Peter Demuth

Figuring out where to live is a significant and costly decision everyone has to make at some point. If you want to purchase a property to make your home, condominiums, and houses are what you want to look at. Each has pros and cons, and depending on your lifestyle, you may lean towards one over the other. Keep listening to learn which option is right for you.   Links: Learn more about Triangle's mortgage products Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.      The main difference between a condominium and a house is that when you buy a house, you purchase the land and the building on it. With a condominium, or condo for short, you buy the unit and share the land with other condo owners.    Unlike apartments, you don't pay rent on houses and condos; you pay your mortgage and a condo HOA fee (more on that in a minute). However, some condos are available to rent if you prefer, but that means you won't build equity over time. When you buy a house or a condo and start paying your mortgage, you'll build up equity.    One compelling reason to consider a condo over a house is the pricing. Condos are typically more affordable, making them an attractive option for first-time buyers. A study by the National Association of Realtors found that the median price of detached single-family homes was $42,000 more than the median price of condos, a significant difference that could make homeownership more accessible.   However, condos usually have additional fees attached. Condos typically have a Homeowner Association, or HOA for short, which comes with fees. Some HOA fees include utility fees such as water, electricity, and more, which you would've had to pay anyway if you bought a house.    An advantage of condos over houses is that upkeep is a lot easier. Due to the HOA fees mentioned, someone will handle all the exterior maintenance, like lawn mowing, snow removal, and general outdoor upkeep. With a house, you'd have to do everything yourself or hire someone else.    While this has advantages, a condo may not be for you if you enjoy taking care of your lawn and garden and don't want to share it with your neighbors. Similarly, a condo is probably not the way to go if you value your space. With some condos, not only are you sharing your outdoor spaces, you might also be sharing walls. Many condos are attached so you will be very close to your neighbors. However, there are detached condos that aren't. Depending on your lifestyle, you might value this tight sense of community, or you might want your space away from others.    A downside to condos is you have less autonomy over what you can and can't do with your space. Some HOAs have stringent rules, such as how you can decorate the outside of your unit and what pets are allowed. While some neighborhoods where you buy a house might have an HOA, you typically are not restricted with what you can and can't do to your home.    Condos might also be harder to sell than houses, especially if the HOA is mismanaged. If you notice that many condos in the area are for sale, that might be a red flag that people are trying to leave this community.    There are upsides to condos in that the insurance is generally cheaper than buying a single-family home. This is because you are only responsible for the inside of your home, compared with having the land and house insured.    Which is the better choice for you, a house or a condo? The answer lies in your lifestyle and what you value most. A condo could be the perfect fit if you're looking for a more affordable option and don't want to worry about outdoor upkeep. On the other hand, if you value your personal space and prefer more autonomy, a house might be the better choice. It's all about finding the right balance that suits your needs and preferences.    Whatever you choose, if you're looking for a mortgage, Triangle Credit Union has got you covered. Triangle offers affordable mortgage solutions for whatever your situation might be. Visit trianglecu.org today so we can help you start on your housing journey.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Elizabeth Odette is the Assistant Attorney General for the Antitrust Division in the Office of the Minnesota Attorney General and the Antitrust Task Force Chair for the National Association of Attorneys General (NAAG). Tune in to this conversation to hear about her work, the antitrust enforcement priorities of NAAG, reflections on the current direction of state antitrust enforcement, and more.Featuring:Elizabeth Odette, Assistant Attorney General, Antitrust Division, Office of the Minnesota Attorney General; and Antitrust Task Force Chair, National Association of Attorneys GeneralModerator: John Wiegand, Antitrust Attorney, Federal Trade Commission--To register, click the link above.

Fritz Folts, chief investment strategist at 3Edge Asset Management. says the uncertainty about tariff policy — which has pushed uncertainty over interest-rate and monetary policies nearly out of sight — has made it particularly hard for investors to decide where to go with their money now. While the hard economic data is good, Folts notes that the concern is how quickly it may change once tariff chaos hits consumer prices; the result is that he's splitting his equity assets 50-50 between domestic and international stocks, and is looking at short-duration bonds and gold  to hedge the stock exposure. Selma Hepp, chief economist at Cotality, discusses the latest National Association for Business Economics Business Conditions Survey, released today, which shows that economists' share Folts' concern about the coming months, with 75 percent of the survey respondents putting the probability of a recession in the next year at 25 percent. Just 15 percent of economists were that strong on recession chances in January. Plus David Trainer, president of New Constructs, puts a digital payment technology company in the Danger Zone for the third time, and Daryl Fairweather, chief economist at Redfin, discusses her new book, “Hate the Game: Economic Cheat Codes for Life, Love and Work.”

Susan Cohen's most recent book is Democracy of Fire. She is the author of two chapbooks and two previous full-length collections of poems, as well as co-author of a non-fiction book. She was a newspaper reporter, contributing writer to the Washington Post Magazine, and faculty member of the University of California Graduate School of Journalism before studying bioethics and poetry at Stanford University while on a John S. Knight fellowship for mid-career journalists. Her numerous journalism honors include a grant from the Fund for Investigative Reporting and two Science in Society Awards from the National Association of Science Writers. In 2013, she turned her full writing attention to poetry and earned an MFA from Pacific University. Her second full-length collection, A Different Wakeful Animal, won the 2015 David Martinson-Meadowhawk prize from Red Dragonfly Press. She lives in Berkeley, California, For more information, visit: https://www.susancohen-writer.com/ As always, we'll also include the live Prompt Lines for responses to our weekly prompt. A Zoom link will be provided in the chat window during the show before that segment begins. For links to all the past episodes, visit: https://www.rattle.com/rattlecast/ This Week's Prompt: Write a poem with “self-portrait” in the title that features an odd bird. Next Week's Prompt: Write a poem set in a garden you've only been to once before and include a metaphor. The Rattlecast livestreams on YouTube, Facebook, and Twitter, then becomes an audio podcast. Find it on iTunes, Spotify, or anywhere else you get your podcasts.

Larry Krasner was a special guest at a Fraternity meeting of the Philly Nu Sigma of Phi Beta Sigma. We happened to be at the meeting and provided this report for the The Neoliberal News media - The Neoliberal Post, The Neoliberal Journals and The Neoliberal Round. Larry discuss how his work has saved tax payers billions of dollars with the reduction of mass incarceration's thanks to the sentencing and supervision program. However Krasner stated that Supervision only works temporarily as the experience is that after three years they go back to jail. Krasner reports how he has also reduced that. Larry announces that this day in May we have fewer homicide today on this 14th day of the year than any other year in Philadelphia. 1. Lots of money into preventing crime and into solving crime, doing it at the same time - creates better results and it costs the country and the city less incarceration is an expensive activity and thanks to the work of the mayor and the security forces. 2. What about Bail Reform? Larry does not support zero base Bail reform. H explains why.Available in The Neoliberal Post: Philadelphia District Attorney Larry Krasner recently addressed members of Phi Beta Sigma Fraternity, Inc. at a dynamic community Q&A, answering the piercing question, “What have we done right?” His answer, armed with raw statistics and biting clarity, laid bare both the progress and persistent paradoxes of Philadelphia's criminal justice system.Krasner, a former civil rights attorney turned reformist DA, didn't mince words. “We've cut state custody numbers from 13,000 to 9,000,” he said. “County jail is down to 3,600, when it used to flirt with 10,000.” Juvenile confinement? Down 70%.What does this mean in human terms?Read More Here:https://theneoliberal.com/reimagining-justice-larry-krasner-on-ending-mass-incarceration-and-investing-in-communities/The Neoliberal Round by Renaldo McKenzie is a member of the National Association of Black Journalists and a Production of The Neoliberal Corporation.https://anchor.fm/theneoliberalVisit us: https://theneoliberal.comDonate to us: https://www.paypal.com/donate/?hosted_button_id=USSJLFU2HRVAQVisit us: https://theneoliberal.comThe Neoliberal Corporation is a Think Tank, Publishing, Digital News Media, IT, Research and Education company.

This week's Open Mic guest is Chandler Goule, CEO of the National Association of Wheat Growers. The budget reconciliation debate introduced much needed changes to farm programs that many agriculture groups have hoped for, but Goule says there are many needed provisions that were orphaned in the reconciliation process and need to be addressed. Like others, Goule is concerned about the consequences of U.S. tariffs and retaliation by other countries. He is also concerned about keeping wheat acres competitive with other crops so acres don't continue to fall. 

Ben wanted to go to college, but did not know at first how he would pay for it. Cue scholarships! $90,000 in scholarships later, he paid for his Harvard education, and now wants to help tell others how they can do the same! Now in part 3 we discuss his top 3 resources to help you find scholarships that are specific to you! Scholars and Dollars Learndipity Scholaroo Scholarship Database Listen to parts 1 &2 of this interview below… Part 1 - $90,000 Scholarship Winner & Harvard Grad Shares How to Win Scholarships! - with Bestselling Author Ben Kaplan Part 2 - Ben Kaplan ($90,000 Scholarship Winner & Harvard Grad) Shares How Applying for Scholarships Helps You Find Your Purpose!   Also, do you want my personal help with finding scholarships that are specific to you or assistance with the actual applications? Schedule a FREE Scholarship Strategy Session with me on my calendar here –> calendly.com/moneyandmentalpeace   About Ben Kaplan: Ben Kaplan is among the nation's leading experts on college admissions, scholarships and financial aid, student personal finance, and higher education policy. He is the author of 12 bestselling books and courses, including Scholars & Dollars, which have sold 2 million copies worldwide. Kaplan became a college expert in part from personal experience: In high school, he won 24 college scholarships—enough to cover the cost of his Harvard degree. He is the founder of the popular Scholaroo education portal, and has advised leading institutions such as UCLA, Texas A&M, NYC Public Schools, New Mexico's 529 College Savings Plan, and the National PTA. Kaplan has been featured on more than 5,000 TV and radio programs—including appearances on Oprah, NBC, CBS, ABC, CNN, National Public Radio, and the BBC. He is a recipient of the Morris Kronfeld Prize in Economics and was selected as the “Top Student Leader in America” by the National Association of Secondary School Principals.   YouTube → Kara's Quest Facebook → Christian College Girl Community Instagram → @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com ***************************************************** Get scholarships and pay for college without student loans! Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace. Topics related to this episode: Ben Kaplan, admissions, college admissions, Benjamin Kaplan, scholars and dollars, scholars & dollars, How to go to college almost for free, dollars for scholars, scholarship scouts, pay for college, student loan forgiveness, federal student loans, community college, Harvard, Harvard grad, Harvard economist, college scholarships, college majors, online college courses, college student loans, college degree online, college readiness, Bachelor's degree, Ivy League schools, master's degree, trade school, find your purpose, find purpose, build character, find purpose life, build resilience, build confidence, build emotional resilience, boost of confidence, build self confidence, self confident, confident, life purpose, life purpose driven, purpose driven life, the purpose life driven  

Interview with Lisa Geraci Rigoni is the #1 Best Selling author of herbook 17 Spatulas and the Man Who Fried an Egg. She is owner, and CDO - Chief Declutter Officer - of The Organizing Mentors (TOM) and has been helping her clients Reclaim their space Mentally and Physically since 2008.TOM serves the NOVA/DC Metro area with various organizing services, including sorting/purging, estate cleanout, packing, unpacking, selling, donating, floor planning, etc...TOM holds the esteemed credential of a Certified Senior Move Manager with the National Association of Senior & Specialty Move Managers (NASMM).https://theorganizingmentors.com/about-lisa/Beyond organizing space, Lisa, and her Team Mentors guide clients to implement best practices to inspire confidence in making positive choices that enrich their lives and set them free from the habits that have kept their minds and spaces cluttered.Lisa is a sought-after keynote speaker about her book, the secrets to finding your organizing style and Teaching, and Mentoring her proprietary ‘The LITL System.'

Washington, DC, May 16, 2025 — On this month's podcast episode, the National Association of County and City Health Officials (NACCHO) speakers discuss the "skinny” version of the President's Budget Request to Congress for FY26, which provides limited details on the Administrations priorities, and the Congressional hearings that followed its release. They also report out on multiple Congressional hearings over the past month related to biomedical research and the Centers for Disease Control and Prevention (CDC) reorganization. For more frequent updates, subscribe to NACCHO's News from Washington weekly newsletter: www.naccho.org/advocacy/news.   Later in the program (8:39), NACCHO's Molly Curington, Government Affairs Associate, and Angie McPherson, Senior Website Specialist, discuss the new NACCHO Resource Hub. The platform offers local health departments an easy way to identify tools and resources they can use to strengthen their work. The Hub also provides an opportunity for local health departments to share updates on their programs and initiatives to foster new partnerships.   To learn more about the NACCHO Resource Hub, visit: www.naccho.org/resource-hub.   ###   About NACCHO The National Association of County and City Health Officials (NACCHO) represents the over 3,300 local governmental health departments across the country. These city, county, metropolitan, district, and tribal departments work every day to protect and promote health and well-being for all people in their communities. For more information, visit www.naccho.org.

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Sree Ratna Kancherla, Global Sustainability Director for management consulting firm Kearney, Storyteller, Social Impact Innovator, and Futurist about Sustainability, Pineapple Leather Pants, and Writing for TV.   Read her full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Sree Ratna Kancherla at https://www.linkedin.com/in/sreeratna/Guest Bio:Sree Ratna Kancherla is Global Director of Sustainability at Kearney, with 25 years of experience in sustainability and human rights law and policy. She has lived in Africa and India for a decade, building sustainability ecosystems. As a strategic advisor to Fortune 500 companies, she focuses on sustainability impact in supply chains across industries. She integrates ‘eclectic leadership' into her work, drawing from studies with enlightened Masters and personal experiences. Through her transformative service, "Eclectic Awareness," she empowers individuals and businesses to navigate modern complexities with purpose. A published writer and speaker, she is developing a book and podcast.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs Muller Support the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

Mike Duffy is Transportation Operations and Fleet Manager at The University of Virginia where he is passionate about improving UVA FM vehicles and equipment, implementing programs that steward funds while reducing environmental impacts. Mike Petrusky asks Mike to share about his career journey in fleet management, his achievements in the field, and his perspectives on the state of the facilities management industry. The University of Virginia's fleet has received multiple awards, including six consecutive years in the National Association of Fleet Administrators' (NAFA) 100 Best Fleets and five consecutive years of Green Fleet Awards. Mike explains how telematics and modern software solutions have transformed fleet management, enabling precise tracking of vehicle usage, maintenance needs, and fuel consumption, leading to significant cost savings and operational efficiency. He believes that continuous education and commitment to being a lifelong learner are crucial for staying relevant in the fast-evolving field of facilities and fleet management. Mike and Mike not only share the same name, but similar taste in music, so they offer some inspiration and fun as they encourage you to be an Asset Champion in your organization! Connect with Mike on LinkedIn: https://www.linkedin.com/in/mike-duffy-b92a9b23b/ Learn more about VAPPA: https://virginia-appa.org/ Learn more about Eptura™: https://eptura.com/ Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/asset-champion/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/  

In this dynamic episode of Around The Horn in Wholesale Distribution, hosts Kevin Brown and Tom Burton dive deep into the critical shifts happening in the global economy, supply chain volatility, AI's role in distribution, and how forward-thinking companies are thriving amid uncertainty. With Kevin just back from Denver following the SHIFT event hosted by Modern Distribution Management and the National Association of Wholesaler-Distributors, the conversation is rich with fresh insights, real-world anecdotes, and actionable takeaways.From the U.S.–China tariff talks and inflation concerns to the power of brand relevance and emerging AI tools in forecasting, this episode is a must-listen for anyone navigating the evolving distribution landscape.

April 24th marks the 110th anniversary of the Armenian Genocide. I grew up in the 1950s in New York in the shadow of that tragedy. I was surrounded by survivors named Garabedian, Giragosian, Hagopian and others who always spoke fondly of “yergeer,” the country they were forced to abandon. My mother, Araxie, was from Dubneh, a village near Diyarbakir, and my father, Bedros, was from Nbishi, a village near Palu in what is now Eastern Turkey. Their memories, and those of others from the “old” country, filled my ears as did their tales of how they escaped death and got to America. I'd listened to their stories in Armenian, not understanding everything, but knowing for them, “yergeer” was a special place. It was home. Houshamadyan are precious memory books of a millennial-old civilization virtually lost but not forgotten. Recorded at the National Association of Armenian Studies and Research (NAASR).

Highlights from this episode: Health Updates Nesting Migrations Geopolitics Intro and outro music by Doctor Turtle Sponsored by The National Association of Innovative Lighting Distributors visit https://naild.org/Headlines and Sources can be found at www.restoringdarkness.com

Matakanye Matakanye is the Secretary General of the National Association of School Governing Bodies (NASGB), and he joins John to weigh in on a hotly contested new directive from the Eastern Cape Department of Education, a province wide ban on alcohol sales at all public schools. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Major General William M. Matz, Jr, U.S. Army (Ret), was appointed as the eighth Secretary of the American Battle Monuments Commission in January 2018 by President Donald Trump, a position he held until March 2021. General Matz is a highly decorated combat veteran of the United States
Army with a distinguished military career spanning four decades. As an
infantryman, he served in Korea and Panama, and as a company commander with the 9th Infantry Division in Vietnam, where he was wounded in action in the 1968 Tet offensive. He served multiple tours in the 82d and 101st Airborne Divisions and was executive secretary to two secretaries of defense, Caspar Weinberger and Frank Carlucci. During the Vietnam War, he served two years with the Navy/Marine amphibious forces in the Pacific and deployed with the 7th Infantry Division to Panama during Operation JUST CAUSE in 1989. Upon retirement from the Army in 1995, General Matz worked nine years in the defense industry. He was first employed by Raytheon Company as vice president, Army Programs; and later as general manager for Vinnell/Northrop Grumman’s Saudi Arabian National Guard Modernization Program in Riyadh, Saudi Arabia, returning to the United States in June 2004. In 2005, President Bush appointed him to the Veterans Disability Benefits Commission, where he served until the commission rendered its report to the Congress in 2008. He is also past President of the National Association for Uniformed Services (NAUS), a national veteran’s organization that advocates in Congress for service members, veterans and their families. He is on the Eisenhower Institute National Advisory Council and a member of the Board of Directors of the American Armed Forces Mutual Aid Association. He is a graduate of the Infantry Officer Basic and Advanced Courses, the Airborne and Ranger Schools, the Command and General Staff College and the Army War College and received a Bachelor of Arts degree in Political Science from Gettysburg College and a Master of Arts degree in Political Science from the University of San Diego. He is also a graduate of Harvard University’s Program for Senior Executives in National and International Security. Among his military service awards and decorations are the Distinguished Service Cross (second highest award our nation bestows for valor on the battlefield), Silver Star, Bronze Star for Valor, Purple Heart and the Combat Infantryman Badge. General Matz was born in Drexel Hill, Pennsylvania. He and his wife, Linda, reside in Naples, FL, and have three children and seven grandsons. See omnystudio.com/listener for privacy information.

Read the full transcript here. Why is misinformation a never-ending problem? What fraction of misinformation is intentionally manipulative? What's the difference between bullshit and other kinds of misinformation? What are the various kinds of beliefs we hold? How do the political left and right (at least in the US) differ in their production and consumption of misinformation? Have any conspiracy theories ever been proven right? Did Jeffrey Epstein kill himself? Why do people listen to Alex Jones? Was Nikola Tesla a fraud? Why does any of this matter? What do we know about UAPs / UFOs? What is the "Christmas tree problem"? Could an advanced human or alien civilization invent interstellar travel technology? What's something you're wrong about?Brian Dunning is the host and producer of the Skeptoid podcast; the writer and presenter of the documentary films The UFO Movie THEY Don't Want You to See, Science Friction, and Principles of Curiosity; and the author of seven books such as Conspiracies Declassified (Simon & Schuster, 2018). He is a member of the National Association of Science Writers. Learn more about him on his website, briandunning.com.Further readingChart of conspiracy theories and political views StaffSpencer Greenberg — Host / DirectorJosh Castle — ProducerRyan Kessler — Audio EngineerUri Bram — FactotumWeAmplify — TranscriptionistsMusicBroke for FreeJosh WoodwardLee RosevereQuiet Music for Tiny Robotswowamusiczapsplat.comAffiliatesClearer ThinkingGuidedTrackMind EasePositlyUpLift[Read more]

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠It's YOUR time to #EdUpIn this episode, brought to YOU by HigherEd PodConYOUR guest is Raquel Martinez, President, Board of Directors, National Association of Secondary School PrincipalYOUR host is Dr. Laurie Shanderson⁠⁠⁠, Host, ⁠⁠⁠EdUp Accreditation InsightsHow did Martinez's journey lead her to become the first Latina president of NASSP?What innovative programs is she implementing at the new Sageview High School?How does she approach diversity & inclusion in education?What challenges has she faced as a trailblazer in educational leadership?How has her cultural background shaped her leadership philosophy?Topics include:Creating focused career pathways with real-world experiencesProviding teacher externships to enhance instructionElevating student voice through councils & organizationsOvercoming imposter syndrome as a leader of colorAdvocating for consistent funding in public educationEmpowering principals to see beyond their individual schoolsListen in to #EdUpDo YOU want to accelerate YOUR professional development?Do YOU want to get exclusive early access to ad-free episodes, extended episodes, bonus episodes, original content, invites to special events, & more?Do YOU want to get all this while helping to sustain EdUp?Then ⁠⁠⁠⁠⁠⁠BECOME A SUBSCRIBER TODAY⁠⁠ - $19.99/month or $199.99/year (Save 17%)!Want to get YOUR organization to pay for YOUR subscription? Email ⁠⁠⁠EdUp@edupexperience.comThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The EdUp Experience⁠⁠⁠⁠⁠⁠⁠⁠⁠!We make education YOUR business!

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions. Bob reminds us that we are still way behind on water and you should still be watering those evergreens!

Roxanne Barton Conlin was born, the oldest of six children in Huron, South Dakota, to Marion W. and Alyce M. Barton. In 1958, her family experiencing poverty, with violence from an abusive father, relocated to Des Moines, Iowa. At the age of 14 she joined the local chapter of the National Association of the Advancement of Colored People, then the Polk County Young Democrats and became active in antiwar peace marches and demonstrations.At 16, Conlin entered Drake University in 1961, without graduating from high school, and graduated from law school with honors, summa cum laude at 21, with a Bachelor of Arts, when she married James Conlin in 1964, and had four children together. She gained a Juris Doctor in 1966 and a Master of Public Administration in 1978, earning honors such as Phi Beta Kappa and Pi Alpha Alpha. Her legal career began in private practice, before her role as Deputy Industrial Commissioner (1967-1968) and then as Assistant Attorney General for Iowa, where she led the Civil Rights Section (1969-1976). Roxanne Conlin has built a distinguished legal career representing victims of discrimination, medical malpractice, civil litigation and more, including notable cases against major corporations and civil rights violations. Roxanne wrote the first law protecting the privacy of rape victims and managed its passage in February 1972, and founded Roxanne Conlin & Associates, P.C., in Des Moines.She advocated for racial justice and empowerment through her affiliations with various Black organizations throughout her career, such as: the Des Moines Coalition for Civil Rights: Conlin has actively worked alongside the Black community in Des Moines AND the Iowa Commission on the Status of Women: where she advocated for policies that supported women and racially marginalized communities in Iowa, making her a respected ally and advocate for the Black community in Iowa and beyond. She worked for SHIRLEY CHISHOLM's Presidency run!! In May 1977, President Jimmy Carter appointed Conlin as the United States Attorney for the Southern District of Iowa, from 1977 to 1981, making her one of the first women to hold this position. She received accolades for her contributions from numerous federal agencies, including an award for Outstanding Assistance from the United States Secret Service and special commendations from the FBI and the Postal Inspection Service. She has been chair of the Iowa Democratic Party and was a candidate for the governorship in 1982, making her the first woman to run on a major party ticket. In 1998, National Law Journal named her one of fifty most influential lawyers in America, alongside Gloria Allred, Janet Reno and Elizabeth Warren.... See here for her list of accomplishments: https://www.roxanneconlinlaw.com/attorney/roxanne-b-conlin/At 80, Roxanne aka Rocky is still practicing law full time, a leader, who has given her LIFE to the issues, a David against many Goliaths of abuse such as: Eastman Kodak, UPS, Microsoft, Volkswagon, police departments, hospitals, doctors. Along with her deep love of cats, Conlin loves ballroom dancing, cruises, dancing on cruises AND became a PILOT. Find out more on our membership page and her book “UNSTOPPABLE: The Nine Lives of Roxanne Barton Conlin” at: https://www.unstoppableroxanneconlin.com/Connect with Roxanne at: https://www.suethebadguys.com OR https://www.somepeoplejustneedtobesued.com

Bob Bertog, president of Bertog Landscape Co. in Wheeling and a certified landscape professional with the National Association of Landscape Professionals, joins John Williams to answer all of your lawn and garden questions. Bob reminds us that we are still way behind on water and you should still be watering those evergreens!

What if your presence alone could open doors, spark opportunities, and create lasting partnerships? In this powerful episode, we sit down with Malia Rogers, founder of MediGap Pros LLC and author of the Amazon #1 best-selling book Magnetic Allure, to unpack what it really means to be magnetic in business and in life. From building a nationwide network to mentoring agents and serving thousands of families, Malia's journey is a masterclass in confidence, resilience, and intentional connection. We dive deep into:How to develop a magnetic presence (even if you're introverted)Simple but effective networking hacks that actually workLetting go of fear—fear of rejection, fear of not being enough, fear of criticismHow to grow your influence without losing your authenticityIf you're ready to stop shrinking and start shining—this conversation will move you.Malia Rogers is the founder of MediGap Pros LLC and the Amazon #1 best-selling author of Magnetic Allure: The Blueprint to Building a Network of Referral Partners. A first-generation American and MBA graduate, Malia has built her business from the ground up, now serving thousands of families across the country and mentoring insurance agents nationwide. Recognized for her innovative strategies and heart-centered leadership, Malia's insights have been featured in national publications, podcasts, and conferences. She serves on both the local and state boards of the National Association of Benefits and Insurance Professionals and is a respected voice in the insurance and entrepreneurial space. When she's not building empires or empowering others, Malia enjoys life in the Northwest with her husband and children, proving that magnetic energy isn't just for business—it's a way of life.https://maliarogers.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.

We sit down with Jay Kinder, co-founder of the National Association of Expert Advisors and a true visionary in the real estate world. Jay shares his journey from a small-town agent to building a thriving business, giving us an inside look at how he navigated the ups and downs of the industry. We dive into how eXp Realty's unique, agent-focused model is changing the game with revenue sharing, stock incentives, and new paths to passive income. Jay breaks down why thinking outside the box—and staying open to ideas like multi-level marketing—can unlock opportunities you never imagined. But it's not all business. Jay opens up about the personal side of success: the sacrifices, the lessons learned during tough economic times, and the challenge of balancing ambition with relationships and family life. He shares wisdom from mentors, the importance of setting big goals, and why finding the right community, like eXp Realty, can make all the difference. Whether you're a seasoned agent, an entrepreneur, or just curious about where the real estate industry is headed, this episode is packed with valuable insights and inspiration. Connect with Jay Kinder on Instagram @jaykinder82 or visit www.honeybadgerpartner.com Connect with Kevin Dairaghi! Website: www.kevindairaghi.com LinkedIn: www.linkedin.com/in/kdairaghi Instagram: @thekevindairaghishow Facebook: www.facebook.com/kdairaghi Get free access to some of the tools we talked about at www.kevindairaghi.com/tools You are who you surround yourself with. Join the Tribe! RATE & REVIEW this episode on Apple and Spotify. SHARE this episode with someone. SUBSCRIBE so you don't miss out on any new episodes!

Transportation Sec. Sean Duffy on Newark, air travel...stress on an aging system 13:26- Melee with ICE, local Dem pols in Newark 32:19- BLM Brandon reflects Dan has plans for Columbus statue 52:12- President of the National Association of Scholars, Peter Wood, shares The unforgiving history of student loans Check out Peter’s most recent books Wrath: America Enraged and 1620: A Critical Response to the 1619 Project 1:08:47- Steven Bucci, visiting fellow in The Heritage Foundation’s Allison Center for Foreign Policy Studies, covers the busy weekend of geo-political news from peace talks to gifted airplanes 1:31:19- Christopher Whalen, chairman of Whalen Global Advisors LLC & editor for The Institutional Risk Analyst: the chances of getting a tax deal done are falling rapidly Check out Chris’ just released Inflated: Money, Debt and the American Dream – 2nd Edition 1:47:43- Why DP is single 2:04:57- Transportation Sec. Sean Duffy...retained all safety personnel See omnystudio.com/listener for privacy information.

In this episode of Go Gaddis Real Estate Radio, Cleve Gaddis breaks down the real estate jargon and industry changes that have many new agents scratching their heads. If you're in the business—or thinking about jumping in—this is a segment you don't want to miss.

  On this episode of the podcast Razib talks to John Sailer. Sailer is currently the director of higher education policy and a senior fellow at the Manhattan Institute. He covers issues of academic freedom, free speech, and ideological capture in higher education. Sailer has written for the Wall Street Journal, the Free Press and Tablet Magazine. Sailer holds a master's degree in philosophy and education from Columbia University, and a bachelor's degree in politics, philosophy, and economics from The King's College. Prior to joining the Manhattan Institute, he was a senior fellow at the National Association of Scholars. Following on last week's podcast with Jacob Shell, Razib continues to discuss the rise and fall of woke politics in academia, and the current backlash exploding out of the Trump administration. Sailer discusses his previous work back to 2020 showing how blatant universities became in their discriminatory policies against white males in particular, and how easy it was to demonstrate this dynamic with even the most minimal level of due diligence like freedom of information requests. They also discuss the reality that universities are attempting to adjust to a new landscape with the administration pressuring them to revoke DEI policies, while many faculty are urging that they instead dig in their heels. Higher education is adapting, but Sailer argues that since fundamental values have not changed, some evasion is to be expected.

Elise White Diaz is well-versed in the challenges facing diverse students from difficult backgrounds. Prior to her work in public education, Elise's passion for trauma-informed pedagogy began when she moved to Tegucigalpa, Honduras to serve at a school for child laborers in the garbage dump. There she taught bilingual and ESL education at the secondary level, and learned so much from her students who overcame obstacles and went on to college.  Upon returning to the United States, Elise brought her experiences to a diverse district in North Texas. She wove together principles from culturally-relevant, trauma-informed education and language acquisition in innovative ways, bringing dramatic gains in standardized test (STAAR) scores. Soon after, she began to mentor and coach teachers in how to recreate these routines. Elise has served in various roles in Emergent Bilingual education, including co-teaching, instructional coaching, writing curriculum, and offering professional development to Texas schools. As a consultant for Seidlitz Education, Elise enjoys supporting teachers in their important work of building language and connection across cultures and obstacles. She holds a Master's degree from Fuller Seminary in Intercultural Studies and lives in the Dallas area with her husband and two children. She is a member of the National Association for Bilingual Education and Women-for-Orphans-Worldwide, and returns to Central America wherever she can.

In This Hour:-- In a surprise move, the Department of Justice recently filed a request for the Supreme Court to take a gun rights case.  Hannah Hill, VP of the National Association for Gun Rights, breaks it down.--  He has an old gun that's in rough shape.  Does it make sense to refinish it?--  A test of ammunition shows that some is much more accurate than others.Gun Talk 05.04.25 Hour 3Become a supporter of this podcast: https://www.spreaker.com/podcast/gun-talk--6185159/support.

Last year, a historic legal settlement resulted in sweeping rule changes that were supposed to lower the price of buying and selling a home across the country.But those changes would cost real-estate agents money, and so those agents, it turns out, have found ways around the new rules.Debra Kamin, who reports on real estate, explains how they did it.Guest: Debra Kamin, a reporter for the real estate section of The New York Times.Background reading: Home sellers and buyers have accused real-estate agents of blocking lower fees.The rule change was the result of a legal settlement last year by the National Association of Realtors.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday. Photo: Jamie Kelter Davis for The New York Times Unlock full access to New York Times podcasts and explore everything from politics to pop culture. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify.