Podcasts about New Hampshire

Send a textYou can do everything “right” on the job and still end up quietly falling apart at home. Part two with Nikki Mason gets real about what first responder mental health support actually needs to look like when the stakes are high and the window for help is small.We start with the hard conversation many departments avoid: how to get chiefs and administrators to back real treatment instead of rushing someone back after a few required days off. Nikki explains why a first responder agreeing to care is a rare moment worth protecting, and we talk about how the leadership case can be framed in human terms and in dollars and cents, including the true cost of losing a trained police officer, firefighter, paramedic, dispatcher, or correctional professional.Then we break down what a voluntary first responder treatment program can look like at Granite Recovery Centers' Rally Point program in New Hampshire: no locked doors, a supportive environment, daily groups, individual therapy, case management, medical support when needed, and recovery options that respect personal choice. We also dig into Granite's Enjoy Life campaign and why rebuilding connection, fun, and community is not fluff but a relapse prevention tool. If you have ever wondered whether “connection” is the missing piece for PTSD, depression, anxiety, or substance use recovery, this conversation gives you language and a path forward.To find Nikki Mason, please visit Granite Recovery Centers - Rally Point Program: Detox, residential, PHP/IOP with lodging up in scenic New Hampshire, all in network with insuranceAlso visit Open Sky - Crisis Intervention Training: 40 hour certificate training for law enforcement & first respondersIf this helped, subscribe, share it with someone on your shift, and leave a review so more first responders can find the support they deserve.DeemedFit: First Responder OwnedWe are a first responder owned company looking to get first responders in the best mental shape.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showYouTube Channel For The Podcast

WhoTim Smith, President and General Manager of Waterville Valley, New HampshireRecorded onNovember 12, 2025About Waterville ValleyClick here for a mountain stats overviewOwned by: The Sununu FamilyLocated in: Waterville Valley, New HampshireYear founded: 1966Pass affiliations:* Indy Pass, Indy+ Pass: 2 days, no blackouts* White Mountain Super Pass: unlimited, no blackouts* Indy Learn-to-Turn: 3 days, includes rentals, lesson, lift ticket; limited lift access* Ski New Hampshire Kids Passport: 1 day with holiday blackouts* Uphill New England: no lift accessBase elevation: 1,984 feet (highest in New Hampshire, 3rd in New England)Summit elevation: 4,004 feet (2nd-highest in New Hampshire, 5th in New England)Vertical drop: 2,020 feet (4th-highest in New Hampshire, 14th in New England)Skiable acres: 265Average annual snowfall: 148 inchesTrail count: 62 (14% novice, 64% intermediate, 22% advanced)Lift count: 10 (1 six-pack, 1 high-speed quad, 2 triples, 2 doubles, 2 T-bars, 2 carpets)Why I interviewed himWell no one wants to hear this but we got to $300 lift tickets the same way we got to $80,000 pickup trucks. We're Americans Goddamnit and we just can't do stickshifts and we sure as s**t ain't standin' up on our skis to ride back up the mountain. It's pure agony you see. We need us a nine-pack chairlift with a bubble and a breakroom and a minibar and surround sound and Lazy-Boy seats and hell no we ain't ridin' it with eight strangers we'll hold back and take a whole chair to our ownselves. And it needs to move fast, Son. Like embarrass-the-Concord fast because God help us we spend more than 90 seconds with our own thoughts.I'm not aiming to get kicked out of America here, but if I may submit a few requests regarding our self-inflicted false price floors. I would like the option of purchasing a brand-new car with a manual transmission and windows rolled up and down with a hand-crank. I would like to keep pedaling my bicycle. I would like to cut the number of holidays with commercial mandates by 80 percent. I would prefer that we not set the air-conditioners to 60 when it's 65 degrees outside. This doesn't mean I want to get rid of all the air-conditioners but could we maybe take it easy on the frostbite-in-July overkill of it all?My Heretic Wishlist for American Skiing includes but is not limited to: more surface lifts, especially to serve terrain parks, high-altitude exposed terrain, and expert pods; on-resort lodging that does not still require a commute-by-personal-vehicle to reach the lifts; and thoughtful terrain management that retains ungroomed sections for skiers who like things about skiing other than going fast.Waterville Valley is doing all of these things. It is perhaps the only major American ski area in decades to replace a chairlift with a surface lift on a non-beginner terrain pod, and the only one to build two new T-bars this century. A planned gondola would connect Waterville Valley the town with Waterville Valley the ski area, correcting an only-in-America setup that separates these inseparable places by two miles of road. The glade network grows annually in both subtle and obvious ways.This is not a ski area going in reverse. Waterville is modern and keeps modernizing. The four-year-old Tecumseh bubble six-pack, though bookended with T-bars, is one of the nicest chairlifts in America. Skiers still go groomer-kaboom on morning cord. Suburban office-park dads with interstate commutes and a habit of lecturing the Facebook Commons about the virtues of snow tires can still park their 42-wheel-drive Abrams-Caterpillar-F-15,000 Tanktruck in sub-parking lot 42Z and walk uphill to the lifts. But Waterville Valley is one of a handful of American ski areas, along with Killington and Deer Valley and Winter Park, that is embracing all of our luxe cultural excesses while pursuing the very un-American ambition of putting more skiers close to skiing.No ski area is perfect. For all the cash saved on those T-bars, peak-day Waterville lift tickets still hit $145. The mountain's season pass is the second-most expensive single-mountain season passes in New England – more than a top-line Epic Pass (an adult WV pass includes a free pass for a kid age 6 to 12, which is great if you have one of those). That's bold pricing for the 22nd-largest ski area in New England, especially one that still spins three Stadeli chairlifts that predate the extinction of the dinosaurs. And two high-speed chairlifts is not a lot of high-speed chairlifts for a 2,000-vertical-foot ski area (though about half of New England's 2,000-footers run just two or fewer detaches).Yeah I know. Sick burn from someone who was waxing about surface lifts four paragraphs ago. I may have collected too many ski area Lego blocks in my mental bucket, and they don't always click together back here on planet Earth. “More villages,” I say while dismissing Aspen as a subsidized simulacrum of itself. “Big fast lifts rule,” I say while setting off fire alarms as first-generation chairlifts disintegrate and the cost of their most basic replacements escalates. “No-grooming, all-glades makes the best ski area,” I say, while condemning resort operators for $356 lift tickets that dam the masses. “Vail is too expensive,” I say. “Vail is too cheap,” I also say. “Modernize our chairlifts,” I say while celebrating the joy of riding an antique Riblet double. I endorse ski areas splitting off from conglomerates and ski areas joining them. These narratives can feel contradictory at best and schizophrenic at worst.But that tension is part of what draws me to lift-served ski areas, where two things central to my worldview – wild nature and human invention – merge. Or perhaps more accurately, collide. Both forces act at all times not only to extinguish one another, but themselves: above-freezing temps trash two feet of new snow; bad liftline management cancels out the capacity benefits of a $12 million lift upgrade. Making a ski area function, then, requires continual tweaking, of both the nuanced and look-at-us-press-release variety. A ski area is a business, sure, but that's almost a coincidence. The act of building and running a ski area is foremost an art, architecture, and engineering project that requires a somewhat madcap conductor to succeed. As with any artform, there is no one correct and final way to build a ski area. The variety is central to skiing's appeal. But there are operator/artist attributes - flexibility, inventiveness, consistency tempered by openness to change - that contribute to the overall quality and cohesion of the individual ski area experience in the context of competing ski areas. In the current version of Waterville Valley, we find one of our best contemporary examples of a ski area evolving toward the best version of itself under the stewardship of owners and managers possessing exactly these traits.What we talked aboutThe return of World Cup training and events to Waterville; drifting away from and back toward freeskiing culture; the best terrain parks in New England; why terrain parks are drifting away from mega-features; what happened to all the halfpipes?; and ramps?; no really no one wore helmets in the ‘90s; building terrain parks before institutional knowledge and the internet; the lost Hidden Valley, Wisconsin ski area; the rise of the high-speed ropetow; why Waterville replaced one T-bar and one Poma with a new T-bar (rather than a chairlift); why Waterville installed night skiing; the return of the Exhibition terrain park; self-installing the World Cup T-bar; Waterville's ops blog; why the Tecumseh Express sixer needed new bubbles after just a couple of seasons; why bubbles cost so much and how Waterville manufactured a less expensive one; Tecumseh's incredible wind resistance; MND lifts as an alternative to the two large U.S.-based lift manufacturers; a chairlift's “infancy” and how different 2020s lift technology is from early detachable tech; how Waterville's masterplan would reorient the mountain and skier traffic with an expansion and new lifts; Waterville's declining skier visits and whether that's a bad thing; how the resort's 1994 bankruptcy changed Waterville's trajectory; what stoked the Green Peak expansion; “we've been on a track to try to rebuild that energy we saw in the 1990s”; why Waterville turned away from discounting; “the right quantity of skiers on the right amount of surface”; building more terrain diversity; and a gondola connection from town to mountain.Should someone tell them they're running it backwards? Video by Stuart Winchester.What I got wrong* I said that the “High Country double chair was still standing” – what I meant was that parts of it were still in place. The top terminal remains, sans bullwheel, and the base terminal and motor room remain as a patrol shack:* I said that Waterville hadn't been known for terrain parks until recently, but Smith recalled that the ski area was more freestyle-centric from the ‘70s through the ‘90s, before pulling back during the first part of this century.* I said that 1,100 skiers per hour was “a little less than what a double chair would move,” thinking standard capacity for a double was 1,200 per hour. Smith says it is 900. Exact capacity varies from lift-to-lift, however. Lift Blog itemizes hourly capacities of between 800 and 1,200 for four of Smugglers' Notch's double chairs, between 1,000 and 1,200 for four of Mt. Spokane's fleet of Riblet doubles, and 1,000 for Waterville's Lower Meadows double. We all know, however, that the hourly capacity for a double chair is however many people are in line minus the number not paying attention minus singles who refuse to ride with anyone. So I don't know maybe 50.Podcast NotesOn other mentioned podcasts* World Cup competition returning to Sun Valley:* Heavenly backing out of mega-parks features:* Killington and the cost of bubbles:* Waterville part 1, from 2021:On Partek and each lift being differentOn Waterville's ownership historyFounder Tom Corcoran owned Waterville Valley from 1966 until 1994, when he sold to American Skiing Company (ASC) antecedent S-K-I. The feds made ASC dispense with Waterville and Cranmore when they merged with LBO Enterprises in 1996. Booth Creek (more on them below), bought the ski area and held it until 2010, when they sold it to the Sununu family. This makes Waterville one of just a handful of ski areas to ever enter a multi-mountain pass portfolio and then exit to independence - though Killington and Ragged recently did exactly that, and Eldora may follow.On Mt. Holiday, MichiganThis is just a little 200-footer, but it's still around on the outskirts of Traverse City, Michigan:That trailmap doesn't really communicate the ski area's essence. A little better are these pics I took on a summertime swing-through a few years back:I never skied there though, always preferring the far-larger Sugar Loaf, right down the road (which Smith and I also discussed):Until it was abandoned around 2000, this was one of the better ski areas in Michigan's Lower Peninsula. After a succession of owners - one of whom stripped all the chairlifts off the bump - failed to bring skiing back, the Leelanau Conservancy recently took ownership of the property. Skiing will return as an officially sanctioned activity, though unfortunately without a lift or snowmaking. I would have at least liked to have seen a ropetow. Here's their vision:On midwestskier.com Yes, Kids, the internet really did used to look like this:On Hidden Valley, WisconsinHere's a little ski hill that didn't make it. Smith spent time at Hidden Valley, Wisconsin, which opened in 1956 and closed forever in 2013. The chairlift appears to have been moved to nearby, county-run Kewaunee Winter Park, where it awaits installation.On high-speed ropetowsI am a huge fan of high-speed ropetows, which are a cheap and effective means to isolate users of terrain parks or other specialized, intensive-use zones from the broader ski area. Here's one at Spirit Mountain, Minnesota in 2023 (video by Stuart Winchester):On Waterville Valley's masterplanThis is perhaps the best angle of how Waterville's expansion would connect the legacy trail network to the town:Here's the Forest Service masterplan slide:Neither of these images, however, show how the gondola would eventually connect down into town, which is the crucial element of transforming Waterville Valley from a ski-area-that-says-it's-a-ski-resort into an actual ski resort. Here's a look at that connection:Waterville set up an excellent microsite detailing the hoped-for evolution.On Booth CreekAt the mid-90s height of American Skiing Company dominance, a former Vail executive assembled a cross-country ski area portfolio with ambitions of creating a hub-and-spoke network:Booth Creek ultimately sold off most of its properties, but still own Sierra-at-Tahoe. Grand Targhee GM Geordie Gillett was involved in the whole saga and broke it down for us in 2024:On Waterville going from one of the oldest lift fleets in New England to one of the most modernWhile Waterville runs some of the last Stadeli lifts in America (I count 16), the ski area has modernized extensively over the past decade:On U.S. Forest Service ski areas in the EastMost (109) of the 119 active U.S. ski areas on United States Forest Service leases sit in the West; two are in the Midwest, and eight are in the East: Bromley, Mount Snow, and Sugarbush, Vermont; Waterville Valley, Loon, Attitash, and Wildcat, New Hampshire; and Timberline, West Virginia. None, as far as I know, sit entirely within the boundaries of a national forest, but even partial overlap triggers the requirement to submit an updated masterplan each decade.The Storm explores the world of lift-served skiing year-round. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Fr. William Rock, FSSP, serves as Parochial Vicar at St. Stanislaus Catholic Church in Nashua, New Hampshire. He was ordained in October of 2019 and serves as a regular contributor to the FSSP North America Missive Blog. Show Resources: https://www.youtube.com/watch?v=XcZmjSae9jg  In Today's Show: Is confession different in a traditional parish? How can we refute when protestants say the priesthood had been "done away with" What is the risk to the souls of those Catholics who now attend non-Catholic churches and are remarried in them without getting a Catholic annulment? What graces occur if we put a scapular under a child's bed? Why is the Eastern Orthodox Church a false church? What is considered almsgiving during Lent? Is the congregation supposed to respond along with the choir during the traditional Latin Mass? What is the difference between an Oratory and a Parish?  Visit the show page at thestationofthecross.com/askapriest to listen live, check out the weekly lineup, listen to podcasts of past episodes, watch live video, find show resources, sign up for our mailing list of upcoming shows, and submit your question for Father!

What if spirituality didn't have to live only on your yoga mat, in a retreat center, or somewhere outside of everyday life — what if it could exist inside boardrooms, leadership meetings, and the decisions we make every single day? That's exactly what today's conversation explores.   Harmony and Russell sit down with Corissa Saint-Laurent, a mystical leadership coach, retreat facilitator, and former corporate consultant who has worked with major tech brands including Google. Corissa shares her remarkable journey: a Korean adoptee raised in New Hampshire who survived a traumatic brain injury at 16 that catalyzed a spiritual awakening, went on to found a wellness company in Los Angeles in 2000 before 'wellness' was even a word, pivoted into branding and marketing, and has now emerged fully as what she calls 'the mystic out of the closet' — bridging the language of business with the intelligence of the soul. ⚠️  CONTENT ADVISORY (for s This episode includes a discussion of suicide, including references to the deaths of Tony Hsieh and Anthony Bourdain. Some perspectives shared reflect a spiritual or philosophical framework and may differ from clinical guidance. Please take care of yourself as you listen. If you or someone you know is struggling: 988 Suicide and Crisis Lifeline — call or text 988 (US) | Crisis Text Line — text HOME to 741741; in Canada, Call or text 9-8-8 (available in English and French, 24/7) The views expressed in this episode are those of the guest and do not constitute medical or mental health advice. Finding Harmony Podcast is a space for open spiritual and philosophical conversation. In this episode: Why spirituality and business are not separate — and what it costs leaders when they treat them as if they are How intuition functions as strategic intelligence, not as a 'soft' skill The paradigm shift happening globally and why conflict is a sign of transformation, not failure Corissa's cheerleading accident at 16 and the awakening that changed everything How she healed her own neurological damage before neuroplasticity was a mainstream concept What a Korean adoptee's fractured identity taught her about the inner journey The 'full merger' she's now embarking on: bringing her mystical self fully into corporate spaces Why leaders who seem to 'have it all' still feel fragmented — and what actually changes that The one inner shift that creates the biggest ripple effect in leadership   Resources Mentioned: The Radiant Energy Method — 7-week live program with Harmony Slater and [co-facilitator name TBD], starting March 28th. Link in show notes. Corissa Saint-Laurent's podcast and advisory services — find her at [website TBD]   Connect with Corissa Saint-Laurent: Instagram: [handle TBD — please confirm] Website: [URL TBD — please confirm]   Connect with Harmony: Instagram: @HarmonySlaterOfficial | @findingharmonypodcast YouTube: youtube.com/@HarmonySlater Inner Circle Community: community-harmonyslater.com   If this episode spoke to you, please leave a 5-star review wherever you listen — it helps more people find these conversations and do the inner work that changes the world.   The Inner Rejuvenation Codes: https://harmonyslater.kit.com/inner-rejuvenation-codes-mc FIND Harmony online: https://harmonyslater.com/ Harmony on IG: https://www.instagram.com/harmonyslaterofficial/ Finding Harmony Podcast on IG: https://www.instagram.com/findingharmonypodcast/ FREE Manifestation Activation: https://harmonyslater.kit.com/manifestation-activation

One of the best books I have ever read; in Cheryl's own words, it is a book about 'hiking and healing in the mountains'.                                             Bio- Floundering in her second career, the one she's always wanted, forty-eight year old Cheryl Suchors resolves that, despite a fear of heights, her mid-life success depends on hiking the highest of the grueling White Mountains in New Hampshire. All forty-eight of them. She endures injuries, novice mistakes, and the heartbreaking loss of a best friend. When breast cancer threatens her own life, she seeks solace and recovery in the wild. Her quest takes ten years. Regardless of the need since childhood to feel successful and in control, climbing teaches her mastery isn't enough and control is often an illusion. Connecting with friends and with nature, Suchors redefines success: she discovers a source of spiritual nourishment, spaces powerful enough to absorb her grief, and joy in the persistence of love and beauty. 48 Peaks inspires us to believe that, no matter what obstacles we face, we too can attain our summits. Guest Links- 48 Peaks on Amazon - https://www.amazon.com/48-Peaks-Hiking-Healing-Mountains-ebook/dp/B078G25465/ref=tmm_kin_swatch_0 Cheryl on HerStoriesProject - https://www.herstoriesproject.com/portfolio/cheryl-suchors/ Cheryl Suchors - https://www.simonandschuster.com/authors/Cheryl-Suchors/222288394 Cheryl on Instagram - https://www.instagram.com/cherylsuchors/ Connect with Anna, aka Mud Butt, at info@traildames.com You can find the Trail Dames at: Our website: https://www.traildames.com The Summit: https://www.traildamessummit.com The Trail Dames Foundation: https://www.tdcharitablefoundation.org Instagram: https://www.instagram.com/traildames/ Facebook: https://www.facebook.com/groups/traildames/ Hiking Radio Network: https://hikingradionetwork.com/ Hiking Radio Network on Instagram: https://www.instagram.com/hikingradionetwork/ Music provided for this Podcast by The Burns Sisters "Dance Upon This Earth" https://www.theburnssisters.com  

Maura Murray, a 21-year-old UMass nursing student, disappeared on February 9, 2004, after her car crashed on Route 112 in Haverhill, New Hampshire. A witness spoke with her at the scene, but she declined help, and she vanished before police arrived. Join the Bone Brigade as they try to unveil the truth

Keith sits down with the youngest guest in show history—a 19-year-old college sophomore and student-athlete who's already deeply immersed in real estate and economics, Hunter Taddy. You'll hear a candid Gen Z perspective on money, debt, and the shifting social landscape, along with what's really being taught in today's real estate and econ classrooms.  They explore how young people are navigating college costs, work, and early investing decisions, and how hands-on property management education is shaping one student's path.  If you're curious about where the next generation of investors is headed—and what that might mean for your own strategy—this conversation offers a rare, on-the-ground look without the usual clichés. Episode Page: GetRichEducation.com/597 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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold talking with a 19 year old guest that I befriended last year. He's a college sophomore with a real estate investing related major. What does he think about generation Z's future is in person, social life, dead. And what do you really learn about real estate and economics in college today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast, sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:11   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 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 prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:00   Welcome to GRE from Concord, New Hampshire to Concord, California and across 188 nations worldwide, you're listening to one of America's longest running and most listened to shows on real estate investing. I'm your host, Keith Weinhold, and this is get rich education. Increasingly, you know, people ask why even go to college? Is the value of higher education even worth it to drag yourself to an 8am American Lit class while living off of dining hall Breakfast Biscuits and chicken strips for $100,000 a year, it's been estimated that one in seven men are meats, n, e, e, t, that means not in education, employed or training. Why put on a suit and tie and show up at a job when you have a reasonable facsimile of life online and you have discord and Reddit and trade stocks on Robinhood and crypto on Coinbase. Now I don't think that's going to be good for you, and I still think that there are a lot of positives about attending college. At least 15 to 20 colleges close each year in the United States. And despite this, you know, most people that I talk to, they still seem to be mostly positive about college, or they have this expectation that their kids go to college. So anecdotally, this hasn't changed. I probably wouldn't even be as aware of this shift if I didn't read media like I do, if I just talked to people informally, I really wouldn't know. One thing that has not changed also is the notion of the broke college student. I used to be one of those. Now America is just a couple years removed from that wave of elevated inflation and war in Iran has positioned to stoke a second wave of inflation. Today's guest told me that he does pay credit card finance charges, even though he makes more than the minimum payment, just kind of like I did as a college student. The default state of teenage society today is different. It used to be boredom, and now that's been replaced with anxiety. That part has certainly changed, and often it tends to be teen anxiety over such nonsense things. I mean, I have a teenage niece. One example is the burden of maintaining your Snapchat streak? Oh my gosh, if you're a Gen Z or you know what I'm talking about, basically a snap streak where you've got to send a friend a photo or video every single day to keep your streak going, two people have to send it to each other, and people with long streaks, they even like send each other a photo of the floor, just. To keep the streak going. I mean, talk about anxiety over the wrong things.    Keith Weinhold  5:04   Well, today's team guest Hunter, he has a somewhat better grip on life. I haven't met his parents yet, but they've done an amazing job. In fact, Hunter's dad owns rental property, which kind of helps to fuel some of his interests and desire. But in order to cope with inflation and expenses, buy now pay later programs have really taken off. They're widely known, but less widely known. Our rent now pay later plans. They're booming. Platforms like livable, flex and affirm. They're used by lower income and lower credit score tenants that often live paycheck to paycheck. And how it works is that these tenants are extended money at the beginning of the month to pay the rent. They often pay a flat subscription fee plus 1% of the rent. And you know, hey, that could be better than the tenant paying late fees to the landlord. I learned from one tenant that had trouble paying his $1,850 in rent that flex charged him a $15 monthly subscription plus 1% of the total rent for providing the service. So his total fees for the app were around $33 a month rent. Now pay later. You're probably only going to hear more about it, but if you're a landlord, you probably do not know that your tenant is using a rent now, pay later plan, because you just received the full payment on time, and then your tenant pays back the service later. Remember, it is called rent. Now, pay later. Oh, before we bring in our guest, can I ask you for some quick help? Maybe you wanted to tell me what you think about the show. You could have been listening for years, but you don't think that you can reach me. If this show has helped you become a better investor, the best way to support the podcast is to leave a quick rating or review. It helps more investors discover the show. Just tap the five stars in your podcast app. It can take as little as 10 seconds, and I will read it myself. Thanks in advance for leaving a rating and review. Let's meet this week's guest.   Keith Weinhold  7:22   This week's guest is the youngest we've ever had in show history. He's a teenager, so he's about a generation younger than me, and it's his first time on a podcast. He is a sophomore student athlete at the University of Alaska Anchorage, where he competes in the 800 meters for the track and field team. He runs about a 155 his major is management, with a specialization in real estate and property management, and he's just into so many things beyond athletics and academics, he serves as an ambassador for the Widener property management and real estate program. He's also an officer of the real estate management and investment club from Wisconsin. He's 19 years old, a straight A student. He's also an RA that's a Resident Assistant there helping out students at the dorms. Welcome to GRE Hunter, toddy.    Hunter Taddy  8:18   Yeah, I'm happy to be here. Thanks for having me.   Keith Weinhold  8:20   Taddy is spelled T, A, D, D, Y. I met Hunter almost six months ago. A property manager introduced us just thinking that we might have some things in common, and she sure was right. We've gotten together a few times, including going running at one time where, well, I had more than a little trouble keeping up with an active college athlete. The last time we sat down for coffee, just last week, I looked at my watch. We were done, and we sat almost two and a half hours like how many teenagers could really hold my attention for that long? But he just understands the world and politics surprisingly well. For a 19 year old. He's confident and well thought out. He's read War and Peace. He even got some of his own cooking and avoids seed oils. And you know, Hunter being born in 2006 when GRE debuted in 2014 you were eight years old. So before we talk about you, let's talk about your generation, generation Z What do you think some of the markers of your generation are?   Keith Weinhold  9:28   Yeah, so it's as I've shared with you in the past. It's interesting, because especially at UA, I'm mostly surrounded by like, athletes. So athletes tend to be a lot more social, just like how they grown up, they're always around people that tend to be a lot more driven. But then when I talk to, like, non athletes, it's a little bit different. Like, my generation is definitely they're on their phone a lot. I mean, I've told you before, like, I avoid social media. Well, I wouldn't say like the flag, but I avoid it a lot, because I know, hey, how addicting it is. And B, just like, you know, the.The word of my generation is slop or brain rot, and which is most of the stuff on the internet, but Yeah, seems to be like, there's a lot of anxiety in my generation, a lot of, like, lack of accountability, which I've noticed a lot lot of, like, lack of responsibility. And it's almost like self indulgent in a way, where it's like, oh I'm so lazy, or Oh, I'm so this, or I'm so that, and it's just kind of weird. You don't really get that much with like the athletes. Back to the social aspect. I don't know if you've seen that headline recently, that's like, the alcohol industry has lost eight, $30 million over the past four years because he doesn't drink. The real story isn't about Gen Z not wanting to drink alcohol. It's about Gen Z, not like really being social, right? I mean, I don't see that many like, Hangouts as much as, like, when I hear from, like my parents, you know, every night you're going somewhere with your friends or your you know, you're going to the bar, you're going to a bonfire, or things like that. And it's just, you don't see it as much. A lot of people are just in their rooms or online and, you know, the online gaming, online gaming, I don't game a lot, but gaming with friends is actually really fun to do sometimes. But everything's a lot more digital, you know, from the communication to like the spaces, you know, where you hang out, whether it's video games or whether it's VR chat, and some people do that, or discord, or just like internet forums and things like that. Yeah, just lot more digital.    Keith Weinhold  11:24   Yeah, you use little or no social media. Personally, I know you manage the Instagram page for your real estate organization, but yeah, there is more of this perception of in person, social life, maybe not dead, but dying. I've learned that 51% of 18 to 24 year old men have never asked out a woman in person you were sharing with me at how you know people have anxiety just about ordering food in person at a restaurant in Gen Z.    Hunter Taddy  11:54   That's actually funny. So because of how that conversation escalated, I technically did ask her out in Snapchat, but then she was like, you have to ask me out in person. And then I did eventually ask her out in person.    Keith Weinhold  12:06   Now, when it comes to in person meetings, after a few meetings with you, I noticed something rare when it's about seeing people in person, you have virtues that I think are somewhat rare for Generation Z. I mean, you actually show up on time. This this chat we're having right now. It's the fourth time we've gotten together, and you actually showed up early each of the four times, which is something that I really notice and appreciate, which, even for people my age, it seems like it's a virtue that they've lost. I mean, showing up on time is just common decency. That's just doing what you said that you were going to do. I find that pretty interesting. But when it comes to your generation being in college now, I mean, college is tough. You know, when I went to college, I took on student loans. My parents and I each paid for half of the tuition, and also worked a part time job while I was there. So I mean, you hang out with a lot of athletes, but how is it with balancing, you know, the income and student loans? Because, you know, college kids are still pretty poor   Hunter Taddy  13:10   I wanted to run for a division two program, because you can get athletic scholarship. I came in as a walk on. I'm not on any athletic scholarship. I get free housing and free meals for being an RA. Yeah, with my RA position, I actually got the RA position my second semester. So I got it as a freshman, which was like, really, really clutch. So my dad was in the Air Force for 20 years, and I got the GI bill for like, I think, six months. So I got my two first semesters of tuition paid for, and then I got some, like, some money for, like, housing and stuff. I mean, I pocketed most of that just because, I mean, I got it for free already. I don't get any more help from the GI Bill, because I'm not in Wisconsin. But if I went to Wisconsin, I could go to any school for free, like, tuition free. So, I mean, sometimes I do think about that, but with my real estate program. I mean, oh my gosh, the scholarship deadline. Every year they give out like, $50,000 in scholarships. A lot of them are from Widener and then just other like local real estate companies in the area. Last year, I got a $2,500 scholarship to travel to the National Apartment Association's apartmentalized It's like, their yearly conference in Las Vegas, and that was pretty cool. So that stuff kind of went over my head, but a lot of the stuff about AI was, like, just really interesting to hear, especially just about property management. And it's crazy to me, because, like, AI is almost like, my generation's thing, since we're, like, growing up with it, yeah. And then hearing, like, a lot of like, the older people in the property management profession talk about, I mean, they're still talking about when they had to keep their records on pen and paper, or, like, files and stuff. And I'm like, This is crazy. So I have scholarships with the real estate program, if I'm lucky, I can get up to almost $10,000 after the spring. It's.That means I pay in state tuition because I live on campus. It was a deal they were running after covid. So that's only like $5,700 I mean, my scholarships will be able to cover that. This semester, I paid like 2000 of it or something, and then my parents were kind enough to cover the rest, and then I'm going to pay them back right away after the year ends once I get those scholarships. And then, yeah, I get $11 an hour for working desk at my RA job. It's tax free, so, I mean, it's not totally bad, but I don't working desk hours that much because we only have them at night. And then, you know, being an athlete, I don't like staying up until, you know, one o'clock sometimes. I mean, the other night, I had to work a nine to three desk shift, and that screwed my whole for an entire week. Yeah. Okay,    Keith Weinhold  15:48   so when you graduate college in a few years, you could very well come out with a lower student loan balance than a lot of others did, although you might still have an informal loan with dad in there as well. How do you and a lot of people of your generation see your financial future? They sure can be hard to predict, but a lot of people see this crushing debt with student loans, and I wonder, even though it could be far into the future if really Gen Z thinks that they're ever going to be able to afford a home. Now, when it comes to the student loans, I know I shared with you when we sat down for coffee that I had a balance. I think it was like a $20,000 balance when I graduated, because again, my parents paid half of it and I worked part time when I went to school, I shared with you that I just took that balance and paid very little interest on my student loan balance because I kept transferring it repeatedly onto these 0% APR credit cards, and when my introductory rate expired on one card, I would just transfer it onto another card. So I've long been comfortable with debt.    Hunter Taddy  16:52   So me, personally, I do not want to take out a loan from any entity. I'm very fortunate and privileged that my parents are able to, you know, front that money for me when I need it. When I need it, I try to pay them back right away. I do not want student loans like my goal is to get out of college, you know, without owing anybody any money. It's weird, because I'm from such a small town in Wisconsin, and I view trades a lot differently than, like a lot of my peers who grew up in the big cities, I know blue collar millionaires, right? People who just, you know, put their nose to the grindstone, pouring concrete. You know, working driving a semi. Only do that for maybe five or 10 years, like my cousins. My cousin pours concrete, and then the other one, I think, works for construction company, the Midwestern work ethic, they're sitting on 10s of 1000s of dollars in their savings account right now. You can make the argument. Well, their back is going to give out in a couple years. And some of that's true. But also, you know, you don't have to be the guy pouring concrete for how long. You could be the business owner, or you could be the guy who's the plumber for 510, years, and then, you know, start your own plumbing business. That's why I don't look at student loans as, like, I need this college degree to, like, make money or be successful. Like, I've met a lot of people who legitimately have that mindset. That's like, I understand that if you've grown up in that sort of, like sphere, you've grown up with those ideas. But to me, it's like, I know if I can't pay for college, or if I don't graduate college, I know I'm going to be fine. I could go, you know, work construction, or I could go, you know, mow lawns or something. I know, I guess I just view it differently. But a lot of people think they need those student loans. So, I mean, they sign up for them. And I looked it up the other day, the average time to pay off student loans is, like, 20 years or something like that. Yeah, I believe it. That is kind of sad. That's insane to me. I want my lawyers going to college. I want my doctors going to college. I want to college. I want all these people to have a good education. But I mean, like 100,000 to $200,000 I just see that, and it's like, oh, I don't know, man, I sign up for the fast flow every year, but I never get anything Free Application for Federal Student Aid, yeah, but I know some people get, like, Pell Grants. If I'm not wrong, I think the Pell Grants are just, I don't know they have to pay those back. It seemed like I was applying for the Stafford Loan. I was lower middle class. I don't think we quite qualified for the Pell grant. The grant being like, free money and a loan of stuff that you need to pay back. Yeah, of course. And of course, in addition to student loans, we regularly have students using credit cards and probably not being able to pay the full balance, is they make their way and try to pay their way through college. That's certainly one thing that I did.    Hunter Taddy  19:28   Here's something for you, DoorDash, my generation and DoorDash is so crazy. I mean, I look at some of these people we have like a desk, at some of the halls, and the amount of people who just DoorDash some of these people are doordashing every night. And that's not cheap, like, that's sometimes it's like 30 bucks just to get Taco Bell or, you know, Wingstop or something like that, and then Klarna, it's like, finance a pizza. Like, what are we doing here?    Keith Weinhold  19:54   Sure, yeah, you're making a down payment on a blooming onion and financing it and making the last payment on it. Years later or something. Yeah, crazy like that, 100% and yeah, I would imagine home ownership is just seen as something that's so far into the future, it's almost unfathomable.    Hunter Taddy  20:12   Yeah, it's funny to me, because, you know, I come from, again, very small town, the cost of living is, like, extremely low compared to the country. I'm pretty sure Green Bay was voted number one place to live by us, News and World Report couple years ago, number one place to live in the United States. But more of the people back home who work these jobs in the trades, like the thought of owning a home seems a lot more real to them than my friends who are in college. And a lot of that has to do with, you know, like we're in bigger cities. Again, people have more debt, but yeah, I mean, you look at those prices of homes, I think the median home price in Anchorage is like $426,000 and just, you know, looking at that numbers like, how am I ever going to afford that? One of my friends, he's in the real estate program. He's got $40,000 saved up. He's got his Roth IRA maxed out. It's weird, because this is one of the points I want to make. So in my generation, you have people who have all these resources, you know, especially with the internet, and they're doing very well with it. They're taking it and they're running with it. And then you have the other part of my generation who's doing the buy now, pay later option. It's almost like a upside down bell curve or something like that. The people who are good are getting so much better, and the people who are making the bad decisions are getting so much more worse.    Keith Weinhold  21:25   Ah, the K shaped economy starts young.   Hunter Taddy  21:27    It's just interesting to see sometimes, because you have some people like, I can't afford this, I can't afford that, and it's like, yeah, being college student is hard. But then it's like, you buy your $6 coffee every day, and it's, you know, I'm guilty of that too. My spending habits aren't the best. And then you look at like home ownership inflation is real. Cost of living is getting higher. But also my dad talks about this a lot like our standards are getting so much higher, too great. Our houses are getting bigger. Kids don't share bedrooms anymore. All our kids have to have our phone. All our kids have to have the newest thing or the newest coat. And you know, you want nice things for your family. I get that, you know, I don't have a family, so I can only talk about this so much. But I mean, our standards are getting a lot, a lot higher as well. I mean, you look at our grandparents houses, and they're like, these, just small, one story houses, one bathroom. You know, I look at the house that my dad grew up and he shared a room with his brother until he graduated, right? And then you look at all these families kids live in their bedroom, it's so weird to me that like siblings, they know each other, but they don't know each other because they're sitting in their rooms all day and they're looking at their phones.    Keith Weinhold  22:31   You surface a good and salient point hunter that a lot of people don't bring up because the K shaped economy that means a widening disparity between the haves and the have nots, but the entire K also keeps moving up, so standards of living continue to get better for both the haves and the have nots, even though the disparity between them continues to widen, and yes, a poor person today has Wi Fi and has Air Conditioning and a lot of minor conveniences that poor people didn't have 75 years ago. You're listening to get rich education. We're doing something different this week, talking to the youngest guest in GRE history. His name's Hunter toddy. We're going to talk more when we come back about what he's learning in classes, economics and real estate classes, because that is one thing that college students do. Remember, I'm your host. Keith Weinhold.    Keith Weinhold  23:24   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/g.R, E,    Keith Weinhold  24:00   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program, why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre,or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Robert Kiyosaki  25:12   this is our rich dad. Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold don't quit your daydream   Keith Weinhold  25:26   Welcome back to get rich Education. I'm your host. Keith winehill, we're talking with Gen Z and student athlete Hunter toddy. He's a sophomore college student, and he's got a management degree with a concentration in real estate investing. So yeah, Hunter, tell us some of the things that you've learned about in an economics class or two that you've taken there at UAA.    Hunter Taddy  25:51   So I had an economics class last semester, but the teacher is basically tenured, and he only posted YouTube videos and like three quizzes was like the entire grade. He made us great at 2000 wasn't gonna say and didn't even grade it. So I didn't learn anything about economics, but that was macro, and now I'm in micro. And this professor, he's fantastic. He talks to Anchorage and Alaska legislators all the time. He was on Meet the Press Like he's very, very, very, very smart and well spoken, one of my and professors, and he's also Yale educated, as I understand. Yeah, I always get crap from my cross country teammates because most of them are STEM majors. There's a lot of engineers, and then there's, you know, you have people who are in, like, kinesiology, and then a lot of aviation, but they always give me crap because, like, oh, business, it's supply and demand, blah, blah, blah. But then, like, legitimately, economics has been so fascinating for me, just like, you know, consumer behavior, opportunity cost, trade off. One of the things is rent control, right? Definitely a big conversation, especially in, like, my generation, you know, because of all these rising prices. And then, you know, the landlord always gets the negative connotation, right? Landlords are greedy. I wouldn't even as a college student. Well, you think about rent control is like as soon as you put that binding price ceiling on the rent prices in an area, that's why there's not enough housing on the West Coast. That's why landlords are painting over the light switches, or they're not fixing your toilet, or they're not fixing the leaky sink. There's just a lack of understanding general society about, like, just how markets work and why. You know, businesses make certain decisions that they do. That's one thing with, like, a lot of my generation, is a lot of them are almost anti business, in a sense, right? In a sense, but they love being consumers. What my dad talks about a lot is as the business owner, like when you work for a company, a lot of the times you can clock in, clock out, you go home and you lay your head on the pillow, and you don't have to worry about anything, right? But when you're the business owner, like my dad, and if you have a lot of anxiety, like he does, about certain things, and you stress a lot, you're up at 2am wondering if the LVP you put in someone's kitchen is going to buckle, well, then you're gonna have to go back and fix it all and all these things, and so I definitely have a lot more to say understanding for like business owners and like landlords. Yeah, the economics classes just broaden my understanding of how the world works. I think that's a class everyone should take, and it is a general ed but I think it's a class everyone should pay attention to as well.    Keith Weinhold  28:18   Sure, rent control gives landlords no incentive to make improvements to a property. So yeah, it's good that you're learning about this in econ class. Tell us about some of the other things that you've learned in economics or in your more real estate investor centric college courses.    Hunter Taddy  28:36   So I'll focus more on the real estate stuff. So Dean Widener, Widener apartment homes, one of the top five, I think, largest owners of apartment homes in terms of units like in the United States, right? He basically came to Anchorage, and he wanted to build the Widener program, basically like a farm for property managers, like, you know, give this education. And then they, you know, they come work for widener. They come work for, you know, whoever a lot of the education has to do with property management. So there's leasing, asset maintenance. Talk a lot about operating budgets, risk management. All students in the program memorize the cash flow performer by heart. So, you know, you have gross potential income loss to lease, vacancy, net revenue, other income, expense reimbursements. Maddie poo, which is maintenance, admin, taxes, insurance, payroll and utilities. Have you heard that acronym before? What is it? Yeah. Maddie poo, I pretty sure my professor, like, that's kind of like his thing. I didn't finish it all, but we have it all memorized, and then we do, like, a lot of fair housing and landlord tenant law. Yesterday, in my Real Estate Investment Finance course, we were analyzing loans, and we were making like amortization tables, yeah. And then so we were looking at like interest rates, how a balloon loan works, variable interest rates. I took real estate Maintenance and risk last semester, and that was really awesome. We got to visit buildings all across Anchorage and talk with the property managers, talk about maintenance systems, general maintenance of the property, property management, the day to day, things like that. And then leasing, we actually had us basically go undercover. We have to have three properties, and we go do a showing at all of them, and then we had to review them, and we did a presentation about them, and, like, we basically reviewed them and graded, like the leasing agent, and how they did that one was really cool.    Keith Weinhold  30:33   Okay, so the mock tenant, grading a leasing agent, yeah, then showing you amenities, explaining lease length, things like that,    Hunter Taddy  30:41   and then seeing if, you know, they violated any like Fair Housing things. He said, Don't necessarily try and bait them, but one of the questions that one of my classmates asked, so what kind of people live here? And then the good property manager, you know, it says we rent to anyone that fits our criteria. And then you have some people that's like, oh, you should have said that. Yeah, yeah, it's pretty touchy, age, race, family status, right? Yeah. So we definitely have that drilled in our heads as well, like landlord tenant law and then, like, fair housing, you    Keith Weinhold  31:11   told me something interesting when we got together, when you run the numbers for property, that the numbers always work better in one condition than they do in another.    Hunter Taddy  31:20   So we do cap rate. And so cap rate is noi over value, I believe, yep. So we analyze the cap rates for all the properties, and then we see what is our return if we pay cash or whatever is our return when we pay leverage. And sometimes it's better if you pay cash, or sometimes it's better if it's leveraged. But I always think even if you could pay cash, you pay, say, $3 million for the whole complex, well, you could put a $500,000 down payment on six other properties. So I always thought that was weird, because that's just, I read Rich Dad, Poor Dad, after my dad recommended it to me, and then it just talking to my dad about leveraged investments. Yeah, why don't you do that instead? Oh, he said,    Keith Weinhold  32:00   right, as long as you control your cash flow and pay the mortgage and the operating expenses. Yeah, we typically talk about getting the leverage here, because the appreciation grade has absolutely nothing to do with the amount of equity that's in the property. Is there anything else interesting that you learned from going out in the field and actually seeing some properties or talking to some managers? And I think this is really interesting, because a lot of times when people graduate college, they tend to broad brushstroke students or new graduates, and say, Yeah, but they haven't gotten out in the real world yet, but you actually are as a student.    Hunter Taddy  32:33   Yeah. So that's one thing I really love about our program, and I really love our professor. He owns properties himself. It's not like a pyramid scheme thing where, like, almost like, you're going to college to learn how to be a professor, and sometimes that we need those people for, like, research and stuff. But like, he's actually done the work. He knows what it's like. He can relate to things that we're talking about. Yeah, we get a lot of that real world experience, which is really awesome going about that, like the leasing experience. One of the things with, like, a lot of the managers, especially in Anchorage, because there's such a housing shortage, a lot of them didn't really like try, because they like, almost don't have to, because, I think a lot of them assume you're gonna lease someone anyways, no matter, because it's not necessarily really competitive. So because the vacancy rate is so small, yeah. So it's just like, here's the kitchen. You know, we're actually taught in leasing class, leasing strategies. And also, what's really good about our classes, we read, like, a lot of personal growth books in our classes. So like in our leasing class, our professor had us read The Seven Habits of Highly Effective People, Stephen Covey and yeah. And then I think for our real estate investment class, we're going to read the compounding effect. I don't know what it's about, but I mean, I really appreciate how our professor gives us, like, those books and that knowledge that's not just, you know, specific to real estate. It's like how to become like a better person, or how to become better at personal finance in general.    Keith Weinhold  33:58   All right, so some conceptual and some mindset stuff, along with more of the hands on and more of the numbers. Well, before I ask you, what's next for you, do you have any last thoughts with what you've learned in class, or just anything overall about your generation and lifestyle and getting along financially? For a college student,    Hunter Taddy  34:18   in April, I'm going down to Austin for the property con, which is Institute of real estate management, big conference. I think they have this one every year too. I think John Quinones, the guy from what would you do, is going to be like one of the keynote speakers. So looking forward to that, definitely looking forward to some of, like, learning more about, like AI, and how it's used in, like, the property management, like real estate sphere, and then I'm kind of interested in green building, because it almost seems to be like, Win win, right? Because better for the environment and then better for the investor most of the time, you know, like, through these retrofits, like you're just switching to LED light bulbs, we actually, we ran those numbers a lot in my.In its class. Like, you know, what would it be like if you switch from iridescent to LED light bulbs? And it's like, that's like, what are the things that all property managers should do? Because you're saving, sometimes 1000s of dollars and seven or 10 year period, or whatever it is, improve the cap rate, right there? Yeah, I want to definitely learn more about, like, the green building. And also, just because, you know, I'm a healthy person, when I build my house one day, I don't want to have, like, a lot of toxic materials and stuff as well. I have one friend. He's really, really dialed in his health. They're talked about him with you before, but he, like, he's not even have drywall in his house because there's some, like, toxic thing in drywall, or something, like, he's gonna build it out of brick and mud or something, I don't know.    Keith Weinhold  35:39   Oh, he can't just go live in any rental. Yeah, well, Hunter, this has been really good. Your dad owns rentals in Wisconsin, and like you mentioned, he's red, Rich Dad, Poor Dad himself. So that's kind of an influence on you. And you do have a management internship back in Wisconsin this summer. But before we go on, you mentioned to me that your dad owns a certain type of apartments in Wisconsin, and I've never heard of that type before. What are they called? And then, what does that mean?    Keith Weinhold  36:06   I think the name is local to the city itself in Manitowoc, Wisconsin. So they're called custerdales. I think there were homes built after World War Two, I believe, for like GIS and things like that so well. Just before he got in the Air Force, he was in Saudi Arabia for a year, and he was thinking about, you know, what am I going to do when I retire? Because he knew after the year was done, he was going to retire and come back to Wisconsin. And one of his friends got him into real estate, and he talked to my mom a little bit, and they just started buying properties. So that was in 2018 and now they own about 70 units, mostly duplexes, with their biggest being a five Plex. They also have a 18 bed assisted living facility. Most of the the 70 units are called custerdales. They're all like, cookie cutter, like, the same they're basically the same layout, you know, sometimes it's just flipped or whatever. And he basically did the same thing each time, a lot of them were, like, really run down ones that they purchased had someone with a chicken living on top of the refrigerator. And then when they locked the place up after they bought it, he broke back in and took stuff. And so they've really, actually, like, helped the community in a way, by remodeling a lot of these homes. And then my dad would refinance them, and then he would take that money and then invest it into another property. And he just kept doing that again and again and again. Yeah, so buy and hold we self manage, because there's not really a reputable property management service in the area. This is near Manitowoc, Wisconsin. Maybe you've heard that name before. Manitowoc, they make heavy construction equipment, and you are going back to Wisconsin this summer for a management related internship, yeah, well, Hunter, well, this has been great talking about what your generation's like, what you do in your classes, and the practical experience that you're already getting as a 19 year old. I mean, you're just substantially further ahead than I was as a geography degree student and major way back in the day, if anyone wants to reach out to you, see what you're doing, or contact you. What's the best way for them to do that? Hunter.    Hunter Taddy  38:09   So I don't have Instagram or Facebook, but I do have LinkedIn. So if you just search Hunter toddy again, T, A, D, D, y, on LinkedIn, you can find me there. Also just give my email. It's H hottie 007 at Gmail.    Keith Weinhold  38:26   All right, look that up if you want to reach out to Hunter. Yeah, it's been great having you here. Thanks so much for coming on to the show.    Hunter Taddy  38:32   Thanks forhaving me.    Keith Weinhold  38:40   Yeah, a fresh perspective from college student, Hunter toddy today. He has got his act together amazingly well for a teenager, and you know, talking to him made me think about something like I said when I graduated college, and it was just with a bachelor's degree. By the way, pretty humble bachelor's double major, geography and regional planning, I had that 20k in student loan debt, which I transferred onto 0% APR credit cards, over and over again and inflation adjusted terms, that might be 40k in today's dollars. I had no incentive to pay it down, let alone pay it off, since my finance charges were essentially zero, so that's why I probably carried that balance for close to 20 years. But this is the first time that I thought about the fact that that very habit was probably a benefit to me, not because it saved me from paying interest on student loans, but because it got me comfortable withholding debt for the long term and rationalizing that there would be an opportunity cost of paying off that debt, because a payoff would have meant that I would forego the opportunity of investing those dollars to get gains, that habit got me comfortable with prudently using debt and leverage as a real estate investor, and that helped me own and control more property sooner. So it was a somewhat autodidactic approach to good debt. Today, we talk with a young, likely soon to be investor, oppositely next week here on the show. We're talking about the book end, on the other side of the shelf, and that is when you're ready to retire from real estate, you can exchange your properties into a fund, pay zero capital gains tax or depreciation recapture. And unlike a 1031 exchange, what you've done is you have totally exited the direct real estate business with a 721, exchange, and you still get financial upside with zero management duties retired. Finally, if you've ever wanted to tell me what you think about the GRE podcast, if this show has given you some fresh perspective or helped you become a better investor. The best way to support the show is to leave a quick rating or review. It helps more investors discover the show. Here's how to do it inside the get rich education Show page on Apple podcasts, scroll about halfway down to ratings and reviews. Tap the purple stars to rate, and then tap the purple words write a review on Spotify from the get rich education podcast, tap the three dots near the top of the show page, tap rate podcast and leave your star rating. That's all it takes. It's crazy that this show has almost 6 million total listener downloads, but yet, across all platforms, we have perhaps only 1000 reviews, and that's probably because I rarely ask for them. I would greatly appreciate it. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:59   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  42:27   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Connect with Sean:Instagram: https://www.instagram.com/sean_bakhtiari/Check out Seacoast 2 Summit: https://www.seacoast2summit.comCheck out our free 6-step course for scaling STR operators: https://level.strsecrets.com/pc-bookSTR Secrets FB group: https://www.facebook.com/groups/STRentalsecretsWhat happens when a corporate finance guy from Boston decides he's done working for someone else — and bets on short-term rentals?Sean Bakhtiari is the co-founder of Seacoast 2 Summit Vacation Rentals and The Bakhtiari Group, a top-performing real estate sales team across Massachusetts, New Hampshire, and Maine. As an active STR investor, his work sits at the intersection of real estate, hospitality, and investment strategy throughout New England.After 9 years in Boston's financial district, Sean bought his first STR. Then a second. Then started building a management company.At 12 properties, he hit a wall. He was good at business development and client relationships. But systems, operations, and scale? Not his strengths. That's when a serendipitous call from Chris changed everything.Today, Sean and Chris co-run Seacoast to Summit Vacation Rentals — managing 120+ properties across the New Hampshire seacoast, lakes and mountains region, and North Shore of Massachusetts. Almost entirely on referrals, with virtually no paid marketing.In this episode, Sean and Chris pull back the curtain on:- How they identified each other as the right partner (and what 3 things you need to align on before you sign anything)- Sean's "help first, never sell" philosophy — and why it's responsible for most of their growth- Why they've said no to 10+ deals in the last 3 months (and why that's the right call)- The two fears they stay up at night thinking about as they scale- How to delegate without feeling like you're losing control- What it takes to keep your team culture intact as you grow- Why boutique hotels might be the next frontier for this businessThis is a rare episode — a founder bringing on his business partner and pulling off the veil on how a real, values-driven STR company actually works at scale.---Timestamps:0:00 - Introducing Sean Bakhtiari: Chris's Business Partner2:45 - How Sean Went From Corporate Finance to STR Management6:30 - Building Seacoast to Summit: From 12 to 120 Properties10:15 - How Sean and Chris Found Each Other (The Serendipitous Call)15:00 - The 3 Things You Must Align On Before Partnering18:30 - The "Help First" Sales Mindset That Built the Business23:00 - Why They Said No to 10 Deals in 3 Months27:00 - The Two Fears They Have About Growing Too Fast32:30 - How to Delegate Without Losing Control37:00 - Keeping Team Culture Intact at Scale42:00 - What the Future Looks Like: Boutique Hotels and Brand Building46:00 - Sean's #1 Secret to STR Success

Episode 281-Don’t be a Dingus about the Dingus Law Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 12 Gun Lawyer — Episode 281 Transcript SUMMARY KEYWORDS New Jersey gun law, accidental discharge, Fifth Amendment rights, criminal charges, licensing revocation, public health safety, misdemeanor offense, felony conviction, reckless conduct, gun safety, legal advice, jury trial, Second Amendment rights, gun ownership, legal protections. SPEAKERS Teddy Nappen, Evan Nappen, Speaker 2 Evan Nappen 00:16 I’m Evan Nappen. Teddy Nappen 00:17 And I’m Teddy Nappen, Evan Nappen 00:19 And welcome to Gun Lawyer. Say, Teddy, I see you sent me something interesting that you found online. Teddy Nappen 00:26 Well, I always like to check on the Reddit retards to see what they’re saying. Evan Nappen 00:32 Oh, my God. And yeah, you did find some stuff that is very much of concern here, because I don’t want to see any of our people have a problem or get into trouble. And it made it clear to me just how important this Accidental Discharge (AD), the Dingus Law, in New Jersey, is. It is having a tremendous effect, and folks have got to know about it. They’ve got to understand that this is genuine. Teddy Nappen 00:59 And also to be clear, not everyone on Reddit is retarded, but everyone who’s retarded is on Reddit just saying. Evan Nappen 01:06 Ah, okay. Well, I’m glad to know the rules here. But what I want to do is go through the commentary to a certain degree. It is extremely important that individuals don’t make this mistake, because this change is dramatic to New Jersey’s law. And then it instantly has put forward Fifth Amendment rights that must be utilized by gun owners in New Jersey in order to protect themselves. Because the ramifications here are not just criminal, not just potential exposure to a year and a half in State Prison for a mere accident, but also loss of your Second Amendment rights. And not just loss of your rights from becoming a Page – 2 – of 12 convicted felon. Even if criminal charges are not pursued, you’re still going to face potential licensing revocation, pulling you in under the disqualifier of public health, safety, and welfare, what I call the all-inclusive miscellaneous weasel clause that they will use to further disarm you. Evan Nappen 02:19 I’ve encountered case after case after case after case of this. I’ve been, you know, practicing New Jersey gun law now for 40 years. I’ve seen what accidental discharges cause to the individual. I’m not making this up. This is real, and it is a real concern. And they’ve just poured gasoline on the fire by passing this new law that essentially criminalizes this to a degree that it has never been criminalized before. So, our rights become even more critical, and I want to make sure that folks understand this law. So, I’m going to review it and talk about some of the misinformation and such that is out there. And how, again, the anti-Second Amendment, the gun rights oppressionists, how they have structured this law to get it through. To make it have a facial appearance, and yet its effect is hidden until it pounds you, the unsuspecting gun owner. I understand how this system works, and I’ve seen what they do. So, they pass these laws, and in effect, they’re sneaky as all hell. This is a sneaky law that is there to disenfranchise gun owners. Teddy Nappen 03:57 Also the fact that anyone who thinks, oh, this will never happen to me. Oh, I’m a very responsible gun owner. They hate you. That is why they’re laying these traps. And anyone who thinks that this can’t happen to you, tell yourself, oh, I’ve never been in a car accident before. Anyone has ever thought that until it happens. Evan Nappen 04:19 Man, I cannot tell you how many times in the practice of gun law in New Jersey, I’ve had the client say, man, I never thought I’d be calling you. I’ve heard that uncountable numbers of times. I never thought I’d be calling you. Yet here I am. And, frankly, I want the word out so people understand this, and I’m going to deal more with that very fact and the reality of that in some of the commentary that’s here, because it also deserves to be addressed. I’m going to do that. Evan Nappen 04:53 So, first, let’s take a look at the law so you can really understand what the traps are. They’re sneaky tricks. How they passed this, and they know what they’re doing. They know what they’re doing. And they fool the public and create the ability here for the oppressionists to go after the unsuspecting folks that are thinking they’re doing the right thing. So, New Jersey, as you may or may not know, has utterly criminalized accidental discharge, and it is now in law, signed by Murphy. (https://pub.njleg.state.nj.us/Bills/2024/A5000/4976_R2.PDF) Evan Nappen 05:36 The law begins by talking about “recklessly”, and saying, oh yeah, recklessly has the same meaning found in the criminal law. It’s what reckless has always meant, and we will review that in a minute. Then it goes on to define what a structure is. And it says. “‘Structure’ means any building, room, ship, vessel, car, vehicle, or airplane, and also means any place adapted for overnight accommodation of persons or for carrying business therein.” Okay, that’s about as broad as you can get. It’s almost everywhere, Page – 3 – of 12 right? Almost everywhere. So, why is that important? Because it’s that “structure” trick, that “structure” trap, that they weave into the law here. So that if you have an accidental discharge, even though they’re selling this law, look, a person commits a disorderly person’s offense. That’s the New Jersey level of misdemeanor. It’s just a DP. It’s not a felony, just a disorderly person’s offense. Evan Nappen 06:37 “. . . by recklessly discharging a firearm using live ammunition rounds unlawfully or without a lawful purpose . . .” And there you go. It’s so freaking reasonable. It’s so reasonable. No, it is outrageously unreasonable. And here’s why. Because when you actually are going to face this, here’s what’s going to hit you in the face, folks. Here’s what it’s going to be. Number one, oh yeah, it’s a disorderly person’s offense. So, hey, at least it’s not a felony. I’m not going to become a convicted felon, right? Well, if you go down a little bit in the law, it says. A person who commits a violation of this section shall be charged with a crime of one degree higher than what would ordinarily be charged if the violation occurs within 100 yards of an occupied structure. Wait a minute! That occupied structure was any building, room, ship, vessel, car, airplane, or any other place that’s adopted for overnight accommodation or for carrying on business. Oh, you mean, basically, everywhere! Evan Nappen 07:46 Oh, so, wait a minute. It’s one degree higher for just about everything. Unless you’re in the middle of the woods and have an AD with the trees, that’s about it, you know. Short of that, you’re just about guaranteed to be within a structure, the way they’ve written, “within 100 yards of a structure”. It’s one degree higher. Well, what’s one degree higher than a disorderly persons offense? Felony level, fourth degree crime. Felony level. A year and a half in State Prison, folks. Okay? What does that mean? It means that is a disqualifier for the entire United States if you become convicted of that AD charge. Even if you don’t get a day in jail, it’s a fourth degree felony. You’re officially a convicted felon and a prohibited person, disenfranchised of your gun rights for the entire United States. So, that’s what an AD now means in New Jersey. Felony conviction. It would be the rarest of exception if it wasn’t charged as at least a fourth degree felony in New Jersey. So get that through your head first, straight away. Evan Nappen 09:10 Now, what about this reckless, recklessly, reckless. Okay. So, here going into Reddit.com and looking at the discussion and what have you. Okay, that’s all good. One of the folks there said they don’t agree with me, but I’m not a lawyer, and no sense taking a risk. You don’t need to. But then they go and quote, “recklessly” discharge. You can emphasize reckless, and then pull the legal definition of reckless, which is fine. You may recall, we actually even in the show. We discussed it. We reviewed reckless. Let’s take another look so we can fully understand what reckless means in New Jersey and how it interweaves to this new law. So, recklessly, a person, now this is the definition in New Jersey law of just recklessly. A person acts recklessly with respect to a material element of an offense, when he consciously disregards a substantial risk, a substantial and unjustifiable risk, that the material element exists or will result from his conduct. The risk must be of such a nature and degree that considering the nature and purpose of the actor’s conduct and the circumstances known to him, its disregard involves a gross deviation from the standard of conduct that a reasonable person would observe in the actor’s situation. Page – 4 – of 12 Evan Nappen 10:50 Okay. I know that’s confusing or sounds like a lot of legal mumbo jumbo. It’s not, and let me show you where the pressure points come in, where the gotchas are there for New Jersey citizens. In reality, in the reality of the practice of law here, conscious disregard. Again, what? There is a consciously disregard substantial and unjustifiable risk that the material element exists. What’s the material element existing in the AD? That a gun will fire. Okay? Material element. You’re disregarding that a gun will fire. And why would a gun fire? Well, if the actor’s conduct and circumstance is known to him. Do you have a gun in your hand? Is that known to you? Yes, it is. Do you know that guns fire when the trigger is pulled? Yes, you do. Gross deviation from the standard of conduct. Well, everyone knows the basic rules of safety, right? Make sure your gun is unloaded. Make sure your gun is unloaded. Did you just grossly deviate from standard of conduct that a reasonable person would observe? And that’s it. You betcha you did. You bet you that they can. Evan Nappen 12:11 And I’ll tell you what. You may say, no, no, it was an honest mistake, an accident. I didn’t realize, for whatever reason. A reasonable person. Who is a reasonable person? What is a reasonable person? How is reasonable person determined? And I’ll tell you how it’s determined. By 12 people who aren’t smart enough to avoid jury duty. That’s who’s going to determine your level of reasonableness when handling a gun. That you know goes bang. That you know can discharge, and there happened to somehow, while it was in your control, end up with a round that went bang. Do you want that in front of a jury in New Jersey? Do you think that’s fine? You can just say I didn’t consciously disregard it. Yeah, do you see where we’re going? Evan Nappen 13:05 And wait. Now it gets worse. Now it gets way worse. It gets way worse because of how they wrote this law itself. Let’s go back to the law itself. It says a person commits a disorderly person’s offense, which we already talked about, is automatically getting upgraded to felony, by recklessly discharging a firearm using live ammunition rounds unlawfully or without lawful purpose. You tell me what accidental discharge has a lawful purpose. Obviously, there’s no lawful purpose because it’s an accidental discharge. So, every accidental discharge becomes one without lawful purpose. And a jury is going to be thinking about this law and saying, well, reckless. He had a gun. It was loaded, and he didn’t have a lawful purpose because it went off without a reason. And boom, there you go. There you go. Evan Nappen 14:06 You instantly, now, on an accidental discharge, have Fifth Amendment protections, a right against self incrimination, and you need to stand on those rights. If you self-report, if you do that, you are incriminating yourself. You are giving up your Fifth Amendment rights when it comes to an AD. And I say, do not do that. You have a Constitutional right against doing that. If you choose to give up your Fifth Amendment right, what will happen? Your Fourth Amendment rights are going to be brought in because they’re going to want to search and seize, take your guns, and that is routinely what happens. Then you’re going to face the criminal charge, and then you’re going to face the licensing, disenfranchisement of your Second Amendment rights and the forfeiture of your firearms. This is the escalation that I’ve seen occur over and over and over again. And that’s without the enhancement that New Jersey has just dumped on Dingus, okay? Page – 5 – of 12 Teddy Nappen 15:22 It actually reminds me. You know what it reminds me of Dad? Evan Nappen 15:26 What? Teddy Nappen 15:26 When you deal with guns, you do so at your peril. Evan Nappen 15:30 100 percent, Teddy. Teddy Nappen 15:32 If they’re going to go into that courtroom. Evan Nappen 15:34 And that is actual case law in New Jersey. When dealing with guns, you do so at your peril. That is New Jersey court case law, folks. Case law, not just a slogan. It’s actually how they look at it. And so here I am. I’m trying to warn folks. To tell folks. It’s my calling in life. This is what I do. It’s what I believe in, from the bottom my heart. Fighting for our Second Amendment rights. Making the education of these traps out there so that you can protect yourself. And then there’s this kind of comment in Reddit that just makes me go, you know what? Unbelievable. Here. Keep in mind that Nappen sells books, event tickets, legal insurance and legal services. The guy has incentives to scream, the sky is falling, and he’s been doing so for decades. Parentheses, he’s more right than wrong, though. Well, thanks for that little he’s more right than wrong. Evan Nappen 16:39 Let me just tell you something, man. If you think that that’s my objective here, to freaking sell books. The books are a labor of love. I can make more money working at McDonald’s than selling books. And event tickets? Event tickets, are you kidding me? Ten bucks and you get it back when you attend it, if you’re even charged. Legal insurance? It’s not insurance. It’s a member program. I’m the Independent Program Attorney for them. That’s not my program. I’m just an attorney for them, because I want to defend people in that. My incentive to scream to the sky is not that the sky is falling, but that it has fallen. That New Jersey is out to screw gun owners left and right. I deal with it on a daily basis and seeing it. And my mission here is to educate the people I care about, you guys and gals. To be warned, to realize the traps, to realize what it’s like trying to live as a law-abiding gun owner in this God forsaken state that constantly tries to oppress us. That’s what it’s about. That’s what it’s about. Evan Nappen 17:56 It is kind of annoying to see that kind of a statement made, because a person is clueless, clueless. And even if you think about it, if I was really about that, if I was really about making the money, why would I warn anybody? Hey, the more accidental discharges, the more criminal charges, the more licensing revocations and forfeitures, that means more work for me. Why would I want to tell anyone about it? Page – 6 – of 12 Let’s just let the system keep crunching people, destroying people, and I’ll make even more money, right? But I don’t do that. Do I? No, I try to make it so you don’t have to become a client of Evan Nappen’s. Just the opposite, pal. Just the opposite. So, keep it in mind. I’m here trying to protect people. I’m here trying to educate people. I’m here fighting for our rights, one gun law victim at a time that I would rather never have seen become a victim of New Jersey gun laws. Teddy Nappen 19:10 What I look at Dad is, remember when Shaneen Allen? When all of that, everything had broken through with that? It was, what was it? 100 pending cases? Of the exact same charge that had to be changed because of the ruling of that case. Evan Nappen 19:27 By fighting there and changing it, we succeeded, Teddy. Right! Right at that moment even, of saving 100 pending cases. Hey, that would have been a ton more work for me, and I could have made a lot of money. Why would you do that? Why would you educate? Why would you go out there and try to make these changes? Why would you fight for rights? I mean, hell, it’s like saying I’m a cancer doctor and I want more cancer so I can make more money. Really? Seriously? Do you really think that’s what it’s about? Well, it isn’t, folks. Because you don’t dedicate your life to what you believe in for that. You’d know it! Come on. It’s crazy, crazy stuff. I’m here. I want you to protect yourself. Beware of the Dingus law, and I’m happy to say that since we’ve been talking about this, I’ve had less Dingus cases, substantially less. And that’s very interesting. I think the word’s out. I think people are learning this is how you have to be. It’s good. And those that have called and have followed the advice. We’ve been able to save them. We’ve been able to not have them become the supplier of their own rope to hang themselves with. So, this is critical and important. Teddy Nappen 20:46 It honestly reminds me of you. Do you remember that scene in Better Call Saul? Where it’s Kim? She’s the public defender, and I think she’s representing this guy. He’s about to get like, I think, maybe 10 years in prison, and she negotiates it down all the way to, essentially, like, it was three months community service and probation. Evan Nappen 21:08 Exactly. Teddy Nappen 21:09 She negotiates it down. She just turns something that would have been a 10 years jail sentence. He walks out with her, and the first thing out of his words, three months? Could you’ve done better? It’s the level of no appreciation for this shit that has gone down. Evan Nappen 21:29 Ungrateful clients. Yeah, we’ve, we’ve, heard of those. We’ve heard of such things as ungrateful clients. But the system is unbelievable when it comes to New Jersey’s oppression and the turning into criminals of law-abiding citizens. And if the actual lame stream media ever actually covered it, maybe they would finally quit doing it. But of course, they’re in cahoots with the same powers that be, because they hate Page – 7 – of 12 us just as much. So, this is why we’re here, doing Gun Lawyer, trying to educate. We want you to be protected. It’s the reason for the books to be out there. So that something’s out there explaining it, and you can hopefully protect yourself. It’s why we do it, and that’s really what it is. Evan Nappen 22:21 Look, folks, if I wanted to make money, I’d go be a personal injury attorney, right? Go do that kind of garbage. It’s not what I believe in. I do this because it’s what I believe in. That’s why we’re here, doing it. If we didn’t believe in it, there are plenty of ways to make a hell of a lot more money than by being a gun lawyer. But that’s not what it’s about. It’s about doing something for a cause, and feeling that your life has meaning because you’re doing that. Evan Nappen 22:48 And that is also why I want to mention our good friends at the Association of New Jersey Rifle & Pistol Clubs. Because they have a cause, and their cause is fighting for our rights. They are the largest gun rights group in New Jersey. They’re the NRA affiliate. You need to be a member of anjrpc.org. Make sure you join, make sure you get the newsletter, make sure you get the email alerts, and stay in the fight. Be part of the solution. Join anjrpc.org. Evan Nappen 23:19 And also our really great, great friends at WeShoot. WeShoot is an indoor range in Lakewood, New Jersey. It’s where Teddy and I both shoot. It’s where we get our training. It’s where we got our certifications. They have a great pro shop, great guns. A lot of good toys there. They got a lot of great sales, good stuff going on. They treat their members and the shooters and their customers so well. Just like family. Everybody loves WeShoot. I know you will, too. They’re conveniently located right in Lakewood, close to the Parkway. They are a resource for Central New Jersey. You know, our ranges are critical. It’s important. You need a place to shoot. You need a place to practice. You need a place to gain your skills and keep them sharp. WeShoot is ideal for that. You can go to weshootusa.com and check out their website. Beautiful photography. They have top of the line firearms, and they can get you equipped, set up right. Whether you’re new at this idea of gun ownership or whether you’re just a grizzled old gun owning veteran like myself. And I don’t mean veteran in a military sense. I’m not a military veteran, but I mean a veteran of owning guns for many, many years, many, many, many, many, many, many years. Since I was a kid. And, you know, not everybody has had that experience, but luckily, Teddy, you have. I think you’ve shot a gun since you could shoot a gun. I don’t know. Do you know when? When did I first have you shoot a gun? Do you remember? Teddy Nappen 24:54 Well, if I remember, I think it was probably eight years old. Evan Nappen 24:58 Well, that would be an actual firearm. Teddy Nappen 25:02 When? When you actually let me shoot a gun? Page – 8 – of 12 Evan Nappen 25:07 Yeah, the actual firearm. But prior to that, you had BB guns. Air guns. Teddy Nappen 25:10 Oh, BB guns. Yeah, oh yeah, from the little cap guns. I remember the little popper cap gun that you could get where it had the it, you know, you would have to reload it with the little red caps and pop it in. Evan Nappen 25:22 And I taught you basic gun safety, loading things from toys, right? Teddy Nappen 25:31 That’s how it went. I had my little cowboy, the carol spinner that you got me. That I could actually learn how to spin. Evan Nappen 25:42 Spinning was fun, huh? Teddy Nappen 25:43 And the training video you gave me as well from the western. Evan Nappen 25:46 You got good at it, too, buddy? Yeah, right up there. You could, you could do the Doc Holiday scene? You know, with Ringo doing the gun spinning. Yeah, that’s good. Teddy Nappen 25:57 Wow. Johnny Ringo, exactly. Evan Nappen 26:04 Hmm, do I like him? Reminds me of me. Now I know I hate him. Teddy Nappen 26:09 Well, someone walked across your grave. Evan Nappen 26:11 Great stuff. Great stuff. Love the movie Tombstone. Okay. And I can’t forget to plug my book. My book that I make so much money selling. New Jersey Gun Law. Make sure you buy lots and lots and lots of copies. Please go to EvanNappen.com and get that book. It may even save your ass, believe it or not. And that’s why I wrote it. It’s 120 topics, all question and answer. It explains this insanity called New Jersey gun law. Get your copy today at EvanNappen.com. Teddy, what do you have for us today in Press Checks? Teddy Nappen 27:02 Well, as we know, Press Checks are always free. And speaking on standing on one’s rights, which lack thereof in the U.K. You know, I always wonder. At some point, is the U.K. ever just going to hit rock Page – 9 – of 12 bottom? And apparently not. They still keep going lower. As coming here out of, you know, I always enjoy, you know, browsing Breitbart. The British government plans to scrap jury trials. (https://www.breitbart.com/europe/2026/03/11/british-govt-plan-to-scrap-jury-trials-clears-first-hurdle/) It’s like, you know, what? You know, King George was right on a few things. That’s the level of insanity. So it’s right out of the article from Breitbart. The left wing government plans to scrap jury trials by Kurt Zindulka. Evan Nappen 27:53 Okay, wait a minute. They got rid of the Second Amendment protection. They have no First Amendment protection. Now they’re dumping their right to a grand jury that they don’t have. They never. They don’t have that right. We have that right. You can see how important the Bill of Rights is, and why our Founding Fathers, fighting the British, were so foresighted to get the guarantees of the Bill of Rights. Because look at what the UK does. Teddy Nappen 28:18 Yeah, and I love the idea of it’s cleared a major hurdle. Ah, yes, that’s how they view rights, a major hurdle. And it can write. Evan Nappen 28:28 A major hurdle. Worthy oppressors. Teddy Nappen 28:32 As the deeply controversial measure concocted by a Deputy Prime Minister and Justice Secretary, David Lammy. Oh, a Lammy. A Lemmy or what are they? Sorry, what were the limies? It would upend a millennium, English legal tradition. It’s supposed to reduce the backlog of cases. Ah, that’s the problem. Need to reduce the backlog of cases. You know, those feeble rights. It eliminates juries for any case where a defendant is facing three years or less. Ah, that is where this is the insidious plan comes into play. Because it’s like, wait a second, three years. So, they are claiming, like, go into the records already 80 cases backlogged, upward of 200,000, by 2035. And their quote “to restore a swift and fair justice”, we are pulling every level available . . . Evan Nappen 29:31 Oh boy. You’ll be tried and hung very quickly. Teddy Nappen 29:34 You’ll have a fair trial and then be shot. Evan Nappen 29:40 Right! Round up the usual suspects Teddy Nappen 29:42 Exactly, exactly. Meanwhile, 3200 lawyers have written a letter calling the government to reverse course, arguing that the central pillar of this legislation that will reduce backlogs lacks actual evidence to actually reduce backlogs. So, the very thing that they are citing. But I love this. And by the way, this Page – 10 – of 12 isn’t a new thing. They’ve been pushing this all the way back in November of 20. I pulled this from The Guardian. The Guardian poll goes like the whole line of why they’re trying to justify it. We have to stop the criminals from gaming the system by choosing a trial by jury, to increase the chances of the proceedings collapse. That is there they’re worried about the criminals, the drug dealers and career criminals laughing at the docs, knowing that cases can take years to come to trial. And we got to do this. Oh, the poor cases of a court cases involving rape take over two years on average. So, it’s all about the rape cases, not the fact that you let mass migration in your country, where it goes from 12,000 rapes a year to 70,000 rapes a year. A mass majority committed by the illegals and immigrants that you have led into your country. But whatever. And that’s the crux of it, because, and that’s the insidious part, all of those cases will get a full trial. So, the immigrants and the illegals get the full trial when it comes to rape, but the hate speech laws, oh, two years just short. So, you get a politically appointed judge who already hates the idea of free speech now is going to crack down on. You know, I’ll give you the few highlights of that. U.K. free speech crackdown has seen 30 people a day arrested for petty offenses of retweets and cartoons that are deemed offensive. Evan Nappen 31:41 And then the cutoff is up to three years, right? So, you don’t get a jury trial, even though you could face three years in prison. You can be sentenced to three years with no jury trial. It’s outrageous. Teddy Nappen 31:54 Twelve thousand arrests a year under these hate speech laws. Evan Nappen 31:57 All right. So, let me tell you about in America and in New Jersey, how our right works and where the cut off is. So, particularly in New Jersey and in the U.S. for that matter, the cut off, my friends, is six months. So, if the penalty you face, if the potential incarceration, incarceration, that you face is six months or less, then you do not have a right to a jury trial. But if you face any penalty that is over six months where you could go to jail for six months and a day, then you have a right to a jury in America. So, this is why it’s structured in this way for New Jersey in the six months. Now, many states will have systems where, even though you have a right at six months, they will still have a misdemeanor lower court. New Hampshire is a good example, where you could face a year as a penalty. However, you can opt for it to be heard, and waive your jury right, in effect, for that max of the year. So, you can, by your own choice, decide to stay what’s called a bench trial. Evan Nappen 33:31 But essentially, the six month is the cut off. Anytime after that, you can, you have the right to demand the jury trial. That’s just how New Jersey functions. So, every disorderly persons offense in New Jersey is six months or less. Every matter heard in municipal court, in district court, the lower courts, they are six months or less. It’s also why you can be held in contempt, and the punishment is six months or less. You know, the right to that jury trial for contempt, even because the judge has that power up to six months. And by the way, if you were charged with 10 disorderly persons offenses, each carry up to six months in jail. In theory, you could be convicted of all 10 of those offenses and be given the maximum sentence of six months and have them all run consecutively. So, you could be forced to do 60 months Page – 11 – of 12 of jail with no jury trial, which would be the five years, theoretically, without having a right to a jury trial, even in America. Evan Nappen 34:49 But, of course, realistically, that isn’t what happens. There’s merger of all the different offenses. So, I’ve never heard of that happening. But in theory, in theory, that’s how. It’s a six month cut off on whatever offense it is here. Now the U.K. wants to make it three years. Think about that. You’re giving one judge, one political hack of a judge, imagine the power, to incarcerate for three years. Now, you know, if you face any charge that’s over a year, that’s a felony, and you lose your gun rights. Even in America, if the offense that you are end up found being found guilty of or pleading guilty to is a penalty that exceeds one year, which as federal law defines, believe it or not, as over two years. I know that’s confusing, but that’s the law. And so what happens is the. That’s for federal law purposes, okay? State law in New Jersey, anything that we talk about felony can still be over a year for state law, but talking federal law. But in the U.K. Now, if you look at it, three years is an option to have a bench trial with no right to a jury. That is crazy. That is absolute felony land, with no jury. There’s a reason our Founding Fathers put that in the Constitution, and it’s glaringly obvious why. Teddy Nappen 36:35 Well, it’s actually pretty funny as well, because I pulled the history of it. And there’s a reason the ropes, the Sixth Amendment and the Seventh Amendment to have the right to a jury, both for criminal and civil. The reason was the British crown, at the time, thanks to the Stamp Act, they were trying colonists through a special Admiralty court, quote, unquote. No jury. A single judge appointed by the Crown to decide cases. So, a foreign judge from across the pond who’s loyal to the King gets to decide the colonists’ fate when it came to that issue. It was a direct assault on fundamental rights, and that was why it was written and list, depriving us many cases of benefit of a trial by jury. That was in the Declaration of Independence. Evan Nappen 37:26 Well, and this is exactly why we also have the Fourth Amendment right. Because the British would have a general warrant, and they would just search under a “general warrant”. There’s a reason we have the Second Amendment. There’s what did with Gage, General Gage. What was it seizing the colonists’ arms. Okay? The reason for our Bill of Rights, for our rights, is what we experienced from the British, and they’re still at it now. Teddy Nappen 37:57 What’s funny is, it reminds me of that scene in “Turn”. The very opening scene is the colonists, the Tory there. And guess who comes running out? A British soldier for the whole amendment on storied soldiers right, quartering soldiers like, wow, really. Evan Nappen 38:20 There we go. Hey, that’s still an amendment that shows our right to privacy in a way, right? It demonstrates even their concerns and what we had to deal with. But hey, Teddy, let me tell you about this week’s GOFU. That’s the Gun Owner Fuck Up. Where you get to learn a valuable lesson that it was quite expensive for someone else to learn. These are all based on real cases. Real cases. This week’s Page – 12 – of 12 GOFU is real simple here, folks. Don’t leave your gun in a car and have somebody else use your car. It ends up being extremely problematic. Because, you know, we often will lock up our gun in a car, which is legal under the Carry Killer Bill. How you’re supposed to secure it. But what happens is, though, if it’s left there, and then somebody takes your car? Like your wife or your kids or someone, and now they’re driving around with a gun that isn’t theirs in the car. Evan Nappen 39:32 You have to be cognizant of where your gun is. Do not leave it locked in the car. Do not leave it. Because then these folks can inadvertently go to sensitive places. They can have other problems that lead to you having problems. And then you’re lucky if the problem is simply a licensing problem and not a criminal problem, as well. It can even be a criminal problem, arguably, for them, because they’re now, it could be argued, they’re in possession of your gun, and it just escalates. So, the GOFU is this. Know where your gun is. Don’t keep it in the car. Beware. If anyone uses your car, make sure your firearms are with you and not in the car when they take it. Evan Nappen 40:18 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 40:28 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E281_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

The Dean's List with Host Dean Bowen – In 1776, New Hampshire stands at a crossroads. After its Royal Governor flees and tensions with Britain intensify, local leaders debate loyalty, reconciliation, and independence. Delegates work to persuade their constituents that breaking from Britain may be the only path forward in the growing struggle for American liberty...

i On our radar this week… © Clay Jones – claytoonz.substack.com In the last week, the list of Donald Trump's broken campaign promises was seemingly endless: beginning with starting a Middle East War and increasing gas prices to go up 60-cents-a-gallon (with the prospect of Four Dollar per gallons looming … maybe even more). The “I will end inflation” guy is now looking at inflation headed in the wrong direction. The man who promised to create manufacturing jobs has given way to the reality of manufacturing job losses. Promises of draining the swamp have taken a multi-billion-dollar detour into the Trump family bank accounts. The long-ago pledge to balance the budget and pay off the national debt have been transformed into record-setting deficits in order to cut taxes for the yachts-and-private-jets crowd. And the promise to release the Epstein Files … well, we all know how that's going. Also this week: We have the tenth special election flip from Republican to Democrat – this time in New Hampshire … as the Trump Train Wreck barrels down the tracks with his polling numbers hitting a new all-time low. His latest political Hail Mary is the SAVE Act which would take away the right to vote from untold hundreds-of-thousands. But his demands are falling on deaf ears on Capitol Hill, with Senate Majority Leader John Thune telling him it ain't gonna happen.  The Trump family has, of course, figured out how to make money from the war. Sonny and Fredo, a.k.a. Don Jr. and Eric, are backing a new drone company that is vying to meet fresh demand from the Pentagon and fill a hole left by the administration's ban on new Chinese drones in the U.S.   Clay Jones – claytoonz.substack.com Trump says the U.S. won the war in the first hour. But they still managed to spend 11-billion dollars after we supposedly had won…and the bombing continues.  It looks like the Gordie Howe Bridge will be putting the Maroun Family into the penalty box. Tolls to cross the not-yet-open bridge will be less than half the fees at the competing Ambassador Bridge for both passenger vehicles and commercial trucks, setting in motion a forthcoming toll war between the two Detroit River crossings. Michigan Democrats are using the Bridge controversy to highlight the financial ties between the Maroun family and GOP Senate candidate Mike Rogers.  In Michigan, Republican candidates for Governor are all calling for pretty much closing most of state government by repealing the income tax, property taxes, or both. Apparently they think things like State Police, prisons, public health, public parks, food safety inspections, mental health and our universities can all be funded with the sales tax, sin taxes, unclaimed bottle deposits, the lottery and the tooth fairy.The state Senate has passed bipartisan legislation to help people deal with medical debt. But its fate is uncertain in the House, where Speaker Matt Hall has very different ideas for addressing medical debt through more transparency in pricing. Petitions have been filed with the state to force a vote in November on a deceptive proposal which, on its face, prohibits non-citizens from voting in Michigan … something that is already a part of state law. Left unstated by the backers are the proposal's impact on voting rights. A longtime chronicler of state government has taken a look behind the proposal of “Americans for Citizens Only Voting.” John Lindstrom has covered state government over the last four decades. Since retiring as publisher of the highly regarded Gongwer Michigan report, he's been a columnist for the Detroit Free Press. John is the newest inductee into the Michigan Journalism Hall of Fame – the ceremony formalizing his induction is a month from now in East Lansing. We’re now on YouTube every week! Click here to subscribe. A Republic, If You Can Keep It is sponsored by ©Clay Jones:claytoonz.substack.com  

Let's talk about Georgia and New Hampshire warning Trump and the GOP....

Episode 976 examines the signs and portents showing Trump's base starting to fracture as broken promises about Epstein files and "no foreign wars" collide with reality. Driftglass and Blue Gal track special election upsets across the country, from New Hampshire to Georgia's R+19 district where even Trump's handpicked candidate couldn't avoid a runoff after 22% of MAGA voters disobeyed orders. The episode explores why Joe Rogan claims Trump supporters feel "betrayed" while refusing to admit his own terrible judgment, and why Trump is desperately pushing the SAVE Act as his only hope to rig the midterms. It's about reading the obvious signs everyone can see—the temperature dropping, the sky turning green, and the sound of freight trains roaring as the Republican coalition tears itself apart.Cover art: NASA Stay in Touch! Email: proleftpodcast@gmail.com Website: proleftpod.com Support via Patreon: patreon.com/proleftpod or Donate in the Venmo App @proleftpodMail: The Professional Left, PO Box 9133, Springfield, Illinois, 62791Support the show

https://slasrpodcast.com/      SLASRPodcast@gmail.com  Welcome to Episode 226 of the Sounds Like a Search and Rescue podcast. This week we're joined by Jim Thorsen, who just returned from an incredible trip that took him from trekking in the foothills of the Himalayas in Nepal to nearly a month traveling across India—temples, safaris, a sunrise at the Taj Mahal, tea plantations, Kerala backwaters, and the full sensory overload of cities like Delhi and Mumbai. We're also welcoming back our own Stomp, who returns for a special segment on communication in the wilderness—covering how hikers can better prepare, stay connected when things go sideways, and why good communication is often the difference between a minor problem and a full-blown rescue. Plus we've got a bunch of New Hampshire topics including shoulder-season hiking reminders as the weather warms up but winter refuses to leave, the upcoming live show at the Mountain Wanderer, some political drama around the Fryeburg Fair in Maine, a look at how the Common Man welcome centers somehow turned rest stops into a $25-million operation, maple syrup season ramping up across the Granite State, gear talk including a snowshoe sale and waterproofing strategies, a music minute featuring Mellon Collie and the Infinite Sadness by the Smashing Pumpkins, updates from Dave somewhere down the Appalachian Trail around Neel's Gap, recent hikes, listener shout-outs, and of course a dad joke that probably should have stayed in the notebook. Join the SLASR Podcast 48 Peaks Team on June 13 to hike Mount Adams   Topics Live Show at Mountain Wanderer Adventures in Lincoln, NH this weekend PUDs Podcast updates Weather is warm, weather is cold Fryeburg Fair and Cumberland Fair Drama White Mountains History - Wonalancet Outdoor Club Common Man Roadside Expansion Moose Alley Waterville Valley Expansion Maple Syrup Season Gear Talk Nick's Music Minute Dave Shits on the AT update Guest of the Week - Jim Thorsen - Travels in Nepal and India Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree SLASR's BUYMEACOFFEE Order Hike Safe Card 48 Peaks website Nick's Instagram Country Fair politics and drama in Maine More details Text of the Law Wonalancet outdoor club newsletter research tool Logging discussions and motorized vehicles  Obscure facts and mining proposals Sandwich Wilderness Designation and Why Mt. Chocorua was left off the Wilderness designation Common Man Roadsides Expanding Moose Alley, NH Waterville Valley expansion deep dive A summary from the Master Development Plan Maple Syrup Production is ramping up MSR is having a 25% off snowshoe sale in March NikWax waterproofing for leather,   Sponsors, Friends  and Partners Wild Raven Endurance Coaching burgeonoutdoor.com 48 Peaks - Alzheimer's Association Mount Washington Higher Summits Forecast Hiking Buddies  Vaucluse - Sweat less. Explore more. – Vaucluse Gear Fieldstone Kombucha CS Instant Coffee The Mountain Wanderer 

On this week's Red State Update, Jackie and Dunlap yell about: We're at war with Iran and nobody knows why, Trump says high gas prices are good, Doge got our numbers, Trump shoes for Little Marco, Trump keeps his hat on and Fox gets caught covering up for him, Lindsey Graham is nuts, Andy Ogles and Tommy Tuberville are racist and thirsty, DOGE dolts have our social security info, Tennessee wants guns in parks, Alabama governor Kay Ivey makes news for not killing someone, Tennessee governor Bill Lee skeleton head, anti-Trans laws move forward in New Hampshire and Kansas, Pete Hegseth spends millions on lobster, steak and fruit baskets.  Get 20 Extra Minutes with Jackie & Dunlap at http://patreon.com/redstateupdate  

This video is from the American Minute by Bill Federer.  "Old Ironsides" is the nickname of the three-masted frigate USS Constitution.Constructed in 1797, its hull was made of 21-inch-thick planks of very dense Southern Live Oak.During the War of 1812, the crew of British ship HMS Guerriere observed their cannonballs bouncing off the USS Constitution and exclaimed that its sides must be made of iron.Muslim Barbary Pirates of North Africa had captured many American ships: Betsey, Dauphin, Dispatch, Hope, Jane, Jay, Maria, Mary, Minerva, Olive Branch, Oswego, Philadelphia, Polly, President, Sophia, and Thomas, among others.The captured crews were stripped, chained, paraded through the streets, and sold into slavery.When the American ship Polly was captured in 1793, the Barbary captain chided the crew and imprisoning them:“... for your history and superstition in believing in a man who was crucified by the Jews and disregarding the true doctrine of God's last and greatest prophet, Mohammed.”Immediately after Jefferson became President in 1801,Camp Constitution is a New Hampshire based charitable trust.  We run a week-long family camp, man information tables at various venues, have a book publishing arm, and post videos from our camp and others that we think are of importance. Please visit our website www.campconstitution.net

A proposal by Democratic activists in New Hampshire to lower property taxes by imposing a state income tax has prompted death threats on social media by the state's Libertarian Party. While the state's political leaders, including Gov. Kelly Ayotte, have condemned the tax proposal, few have spoken out against the death threats.

Thursday, March 12th, 2026 Today, an investigation shows it was the US that bombed the school in Iran killing over 150 children; Trump has questioned aides about whether Cory Lewandowski profited off Kristi Noem's $220M ad deal; white nationalist Jeremy Carl has withdrawn from his nomination to the State Department; Hegseth spent $9M on crab legs, lobster, and steak at the end of the fiscal year; Democrat Shawn Harris forces a runoff in the Georgia special election for Marjorie Taylor Greene's old seat; Democrats deliver a stunning flip in a New Hampshire special election; the Pentagon bars press photographers over unflattering pictures of Hegseth; and Allison reads your Good News. Dana is out and about. Thank You, Smalls For a limited time, get 60% off your first order, plus free shipping, when you head to Smalls.com/DAILYBEANS. Thank You, 3DayBlinds For their buy 1 get 1 50% off deal, head to 3DayBlinds.com/DAILYBEANS. Thank You, LumiGummies Go to LumiGummies.com and use code DAILYBEANS for 30% off your order.   The LatestEpstein/Trump Blackmail Discussion Reported to FBI Days Before Epstein's Death StoriesU.S. at Fault in Strike on School in Iran, Preliminary Inquiry Says | The New York Times US military spent $9 million on crab legs and lobster in the months before Iran war: report | The Independent Trump has questioned aides about Corey Lewandowski's role in DHS ad campaign, sources say | NBC News Trump nominee withdraws after senators press him on remarks about Jews, Israel and 'white culture' | NBC News Democrat Shawn Harris to face Trump-endorsed Republican Clay Fuller in runoff to replace Marjorie Taylor Greene | CNN Politics Democrats deliver ‘stunning' flip in New Hampshire special election, latest in series of 28 upsets Good Trouble Find out more about H.R.7481 here: Pass Rep. DeLauro's bill to end TSA chaos - Jess Craven Call Your Representative - tell them to support the Bill, and tell your Senators to pass something like it right away- Find Them Here:Find Your Representative | house.govContacting U.S. Senators Or Use 5 Calls5calls.org   →NoKings March 28th →2026 Primary Election Calendar: All the Dates Ahead of Midterms →Public Comment Period Open: White House Ballroom Proposal →Standwithminnesota.com →Tell Congress Ice out Now | Indivisible →Defund ICE | 5Calls →Congress: Divest From ICE and CBP | ACLU →ICE List  →iceout.org →2026 Trans Girl Scouts To Order Cookies From! | Erin in the Morning Good NewsADOPT A PET | Pope Memorial SPCA Residents begin cleanup, recovery after tornado leaves trail of damage near Edwardsburg Tyranny Tuesday - Who Really Benefits From This War? - Mobilize Reclaim Our Vote →Share your Good News & Good Trouble - The Daily Beans →Beans Talk audio -beans-talk.simplecast.com Subscribe to the MSW YouTube Channel - MSW Media - YouTube Our Donation Links Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736 Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans Fundraiser Join Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71 More Donation LinksNational Security Counselors - Donate

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

In this episode, Dylan interviews Tim Lewis, president of the New Hampshire Real Estate Investors Association and founder of Brick and Oak Properties. Tim shares his journey from building luxury homes to becoming a real estate investor through Joe Homebuyer. They discuss the New Hampshire real estate market, the demand for rental housing, challenges with zoning and historic regulations, and opportunities for investors, particularly in smaller markets, lake communities, and areas with strong short-term and mid-term rental demand.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Still celebrating 80 yrs of community radio! In today's episode WKXL's NH Unscripted with Ray Dudley one of the up and coming filmmakers in New Hampshire Tyler LaPlant stops by to chat about his short film "Joey's Big Reveal". Walking the FCC line very keenly we have a great discussion about the film, working in the industry, and (as always) more!! Like his nh theater auditions, the granite state actors he hired and the impact on the nh arts community.

In October 2013, fourteen-year-old Abby Hernandez vanished on her walk home from school in rural New Hampshire. Months passed, searches faded, and a letter arrived that changed how the public understood her disappearance. When Abby finally came home, the truth forced a reckoning with certainty, judgment, and what survival actually looks like when escape is not possible.Get commercial free access to over a decade of Sword and Scale's true crime podcasts at http://swordandscale.com

-- On the Show -- Senator Mark Warner, Democrat from Virginia, joins us to discuss why he believes the Iran conflict is a war of choice with unclear objectives and poor planning by the Trump administration -- Senator Richard Blumenthal warns after a classified Iran briefing that the United States appears to be moving toward deploying American ground troops -- Reporting shows that Volodymyr Zelensky offered Donald Trump battlefield-tested technology to counter Iranian-style drones but the Trump administration failed to act -- Gasoline prices jump about 32 percent in a matter of months during Donald Trump's presidency, creating a political problem as voters confront higher costs at the pump -- White House press secretary Karoline Leavitt struggles to answer reporters' questions about Donald Trump's Iran claims, troop injuries, and other issues -- Democrat Bobbi Boudman defeats Republican Dale Fincher in a New Hampshire special election, marking the tenth straight seat Democrats have flipped during Trump's second term -- Donald Trump posts a series of aggressive and erratic Truth Social messages threatening Iran, boasting about military strikes and attacking fellow Republican Thomas Massie -- On the Bonus Show: A new poll shows Talarico beating Cornyn and Paxton in Texas, lawmakers advance a bill to lower housing prices, federal workers sue after being fired over James O'Keefe stings, and much more...

Send a textThe hardest part of getting help often isn't the therapy—it's knowing who to trust when everything feels at risk. We sit down with treatment navigator Nikki Mason to open the black box of first responder mental health: how to spot programs that truly understand police, fire, EMS, and dispatch, why families are the first to notice cracks, and what happens when a call for help goes unanswered. Nikki shares a clear rule that guides her work—if she wouldn't send a loved one, she won't send a client—and explains how on‑site vetting, consistent follow‑up, and cultural fluency separate real care from marketing.We dig into the stigma that makes substance use easier to admit than trauma, the fear of losing a weapon or job after disclosure, and the outdated responses that taught generations to stay silent. Together we make the case for earlier touchpoints—peer support, wellness visits, and brief counseling framed as stress exposure care—so acute stress doesn't calcify into chronic PTSD. Families take center stage here: the spouse who sees sleep erode, the adult child who senses withdrawal, the parent who hears the edge in a voice. Nikki lays out practical ways to nudge without cornering, from third‑party introductions to privacy‑respecting consults that lower defenses and build momentum.This conversation is a field guide for anyone navigating help in uniform or at home with someone who is. You'll learn what questions to ask programs about trauma modalities, co‑occurring care, confidentiality, and return‑to‑work coordination; why answering the phone at the first ring can be life‑saving; and how leaders can normalize support without punishment. If you serve, love someone who serves, or manage a team that does, you'll walk away with next steps you can take today.To find Nikki Mason, please visit Granite Recovery Centers - Rally Point Program: Detox, residential, PHP/IOP with lodging up in scenic New Hampshire, all in network with insuranceAlso visit Open Sky - Crisis Intervention Training: 40 hour certificate training for law enforcement & first respondersDeemedFit: First Responder OwnedWe are a first responder owned company looking to get first responders in the best mental shape.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showYouTube Channel For The Podcast

Actress Jennifer Runyon passes away; today’s Iran War update; deficit out of control; rich people aren’t piling money for your sake; New Hampshire special election flips Republican seat; State Fair artifacts up for bid; uninsured rate jumps; state GOP pushes for school vouchers; Target makes concessions to try to end boycott. The post The Matt McNeil Show – March 11, 2026 first appeared on AM 950.

In this special live episode of Creative Guts, recorded in partnership with Mosaic Art Collective, we gather a panel of artists, organizers, and advocates to talk about something that feels especially urgent right now: the role of the arts in shaping our communities here in New Hampshire. Joining the discussion are Portsmouth artist Richard Haynes, Jr., activist mixed-media artist Brenda Noiseux, and Aimee Terravechia, Executive Director of 603 Equality and co-founder of the New Hampshire Cultural Review. Together we unpack the opportunities and challenges facing artists in the Granite State, the narratives shaping how communities value the arts, and the small but meaningful actions creatives can take to support advocacy without burning out. Moderated by Creative Guts co-host Joe Acone, this conversation leans into the messy, honest reality of advocacy work. Ideas are explored in real time, questions are left open, and the panel invites all of us to think a little more deeply about what it means to support the arts in our communities. Huge thanks to Mosaic Art Collective for hosting this event and to Kennebunk Savings Bank for sponsoring this episode. Listen to this episode wherever you listen to podcasts or on our website www.CreativeGutsPodcast.com. Connect with us on Instagram, Facebook, LinkedIn, and Discord. If you love listening, consider making a donation to Creative Guts! Our budget is tiny, so donations of any size make a big difference. Learn more about us and make a tax deductible donation at www.CreativeGutsPodcast.com.  Any views or opinions expressed by our hosts or guests do not necessarily reflect the views or positions of Creative Guts.

Whitney lives in the New Hampshire mountains with her cheapskate hubby who insists on driving the cars bone dry before refueling them. And while this practice does bring a little extra excitement to a quick drive to town, is it bad for the car? Find out on this episode of the Best of Car Talk.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Mark Edge Live - Daylight Savings Time is dumb :: Time zones :: The Free State Project, New Hampshire, protests, activism, Liberty Clubs :: Interstates :: You don't own your land :: New Hampshire Liberty club, Free State Party :: NH Secession :: Porcupine Freedom Festival :: ForkFest.party ::Mark Edgington, Tall Bill, Stu

Moving from understanding to healing in pediatric feeding care.Earn 0.10 ASHA CEUs for this episode with Speech Therapy PDWatch on YoutubeIn this episode of First Bite, Michelle Dawson, MS, CCC-SLP, CLC, BCS-S, is grateful to host Lauren Thompson, MEd, CCC-SLP, CLC, for a powerful conversation about trauma and Pediatric Feeding Disorder (PFD). Healing trauma takes time, compassion, and the willingness to move through fear in order to better understand what “trauma” is, especially as it relates to pediatric feeding. Together, Michelle and Lauren differentiate between “trauma-informed” and “trauma-sensitive” care, and Lauren offers thoughtful, practical strategies to help SLPs create trauma-sensitive feeding environments for those they are called to serve.This is part one of a two-part conversation. Part two will be released in April 2026.About the Guest(s): Lauren Thompson, M.Ed., CCC-SLP, CLC, is the owner of Well Fed Feeding & Swallowing Therapy in Londonderry, New Hampshire. Since 2012, she has supported infants and children with PFD, dysphagia, lactation challenges, ARFID, and feeding-related trauma across inpatient rehabilitation, hospital-based outpatient care, Level II and III NICUs, and public schools. Lauren blends trauma-sensitive care, connection-focused interventions, and play-based approaches to help families build safe, joyful, and pressure-free mealtime experiences.Show Notes:Contact Lauren: @laurenteetheslp on InstagramLauren's Private Practice: Well Fed Feeding TherapyLove Money Cause: Feeding MattersRelated Course: Allyship and Advocacy in Pediatric Feeding Disorder with Tracy Camille JohnsonMentioned in this episode:Register for the School-based Feeding and Swallowing Masterclass

One of the best books I have ever read; in Cheryl's own words, it is a book about 'hiking and healing in the mountains'.                                             Bio- Floundering in her second career, the one she's always wanted, forty-eight-year-old Cheryl Suchors resolves that, despite a fear of heights, her mid-life success depends on hiking the highest of the grueling White Mountains in New Hampshire. All forty-eight of them. She endures injuries, novice mistakes, and the heartbreaking loss of a best friend. When breast cancer threatens her own life, she seeks solace and recovery in the wild. Her quest takes ten years. Regardless of the need since childhood to feel successful and in control, climbing teaches her mastery isn't enough and control is often an illusion. Connecting with friends and with nature, Suchors redefines success: she discovers a source of spiritual nourishment, spaces powerful enough to absorb her grief, and joy in the persistence of love and beauty. 48 Peaks inspires us to believe that, no matter what obstacles we face, we too can attain our summits. Guest Links- 48 Peaks on Amazon - https://www.amazon.com/48-Peaks-Hiking-Healing-Mountains-ebook/dp/B078G25465/ref=tmm_kin_swatch_0 Cheryl on HerStoriesProject - https://www.herstoriesproject.com/portfolio/cheryl-suchors/ Cheryl Suchors - https://www.simonandschuster.com/authors/Cheryl-Suchors/222288394 Cheryl on Instagram - https://www.instagram.com/cherylsuchors/ Connect with Anna, aka Mud Butt, at info@traildames.com You can find the Trail Dames at: Our website: https://www.traildames.com The Summit: https://www.traildamessummit.com The Trail Dames Foundation: https://www.tdcharitablefoundation.org Instagram: https://www.instagram.com/traildames/ Facebook: https://www.facebook.com/groups/traildames/ Hiking Radio Network: https://hikingradionetwork.com/ Hiking Radio Network on Instagram: https://www.instagram.com/hikingradionetwork/ Music provided for this Podcast by The Burns Sisters "Dance Upon This Earth" https://www.theburnssisters.com

What happens when you stop looking for love and start finding yourself? In this episode, Jennifer sits down with author and New Hampshire transplant Abby Rosmarin in Concord, NH, to talk about the year that changed her life: 2023, the Year of Dating Herself.After a string of tumultuous relationships that left her gaslit, depleted, and sitting in a bathtub wondering how she got there, Abby made a radical decision — to spend an entire year intentionally single, intentionally present, and intentionally devoted to her own company. The result? A healing journey she never could have predicted, a book, and a relationship she never knew was possible.From solo concerts and dining alone for the first time to impulsive ear piercings and sunrise coffee dates by the lake, Abby shares the raw, funny, and deeply human story of what it looks like to truly date yourself — awkwardness, check-engine-light moments, and all. She and Jennifer also dive into the pressures women face around singlehood, the power of therapy and self-reflection, codependency and healing, and what it really means to show up for yourself before you can fully show up for anyone else.

Mark Edge Live - Daylight Savings Time is dumb :: Time zones :: The Free State Project, New Hampshire, protests, activism, Liberty Clubs :: Interstates :: You don't own your land :: New Hampshire Liberty club, Free State Party :: NH Secession :: Porcupine Freedom Festival :: ForkFest.party ::Mark Edgington, Tall Bill, Stu

Episode 385 - Steve Bamford @Bamfordgolf, Paul Williams @GolfBetting and Barry O'Hanrahan @AGoodTalkGolf discuss their selections for this week's Players Championship on the PGA Tour. We talk 2026 Golf Betting System Majors Competition sponsored by bet365 - entry details and comp rules are here. Listeners should visit Golf Betting System for the best golf betting tips coverage. Read our new best golf betting sites guide. Intro: 00:30; Rich K from New Hampshire, USA Listener Review: 01:49; Last Week - Bhatia's Biggest PGA Tour win at 66/1: 08:01; The Players Championship: 19:18. steve's players championship tips We have a new set of Golf Betting System bookmaker guides, highlighting current 2026 sports accounts. boylesports promo code betfred promo code betvictor promo code ladbrokes promo code ladbrokes new customer offer coral promo code coral new customer offer bet365 promo code bet365 bonus code unibet promo code betmgm sign up offer betmgm promo code william hill sign up offer All offers are for new customers, 18+ Check out our new most golf each way places page Steve Bamford provides pga tour betting tips across the whole of 2026 Let us talk you through the bet365 each way extra + coral golf X: Steve Bamford @Bamfordgolf; Barry O'Hanrahan @AGoodTalkGolf; Paul Williams @GolfBetting Most Viewed Pages https://www.golfbettingsystem.co.uk/betfred-promo-code/ https://www.golfbettingsystem.co.uk/bet365-sign-up-offer/ https://www.golfbettingsystem.co.uk/bet365-bonus-code-2023/ https://www.golfbettingsystem.co.uk/coral-promo-code/ https://www.golfbettingsystem.co.uk/boylesports-promo-code/ https://www.golfbettingsystem.co.uk/ladbrokes-sign-up-offer/ https://www.golfbettingsystem.co.uk/ladbrokes-promo-code/ https://www.golfbettingsystem.co.uk/coral-sign-up-offer/ https://www.golfbettingsystem.co.uk/betvictor-promo-code/ This podcast is for listeners of 18 and above. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

In this 15 minute podcast: -Kansas officially becomes the 13th state to pass the Term Limits Convention application, moving the nation closer to the 34 states required under Article V. -Momentum builds as Arizona and Georgia advance similar resolutions, while New Hampshire scores its first committee victory and prepares for a key floor vote. -The U.S. Term Limits pledge program gains traction, with nearly 25% of all state legislators nationwide signing a commitment to support the convention effort. -In Ohio, lawmakers hold hearings on a convention resolution as supporters argue that career politicians block opportunities for new leaders in Congress. -Advocates explain the “prodding effect” strategy-- as states approach the 34-state threshold, pressure could force Congress to propose term limits itself rather than risk a convention. Stay up to date on the latest Term Limits news! Subscribe for free on Apple Podcasts, Spotify, or wherever you listen to podcasts. You can shop for hats, t-shirts, bumper stickers, and more at http://termlimits.com/store Has your local state Representative or Senator committed themselves to defend Term Limits? See if they are listed, and if not, ask them to sign the pledge at http://termlimits.com/pledge Help U.S. Term Limits fight to place TERM LIMITS on all members of Congress by donating at http://termlimits.com/donate. We will not stop until TERM LIMITS is enacted on ALL members of Congress, NOT JUST THE PRESIDENT!! To check on the status of the Term Limits movement in your state, go to http://termlimits.com/TakeAction

In this episode, I sit down with Roberto Rios aka Peruvian Bull, and he didn't come to play it safe. Fresh off breaking news the morning of recording, we kick things off with the Jane Street manipulation lawsuit and what it might mean for Bitcoin price action. We cover the terrifying thesis of The Great Taking, why you may not actually own the stocks in your brokerage account, China's secret gold accumulation strategy and what it signals about the dollar's future, the slow-motion collapse of Japan's bond market, and how silver is finally breaking free from decades of paper price suppression. ––– Offers & Discounts –––

Fr. John Brancich, FSSP, is the pastor of St. Stanislaus Catholic Church in Nashua, New Hampshire. He was ordained into the Priestly Fraternity of Saint Peter in 2004. In Today's Show: Is it immodest for a pregnant woman to show her stomach in public? Can someone seeking a declaration of nullity serve as a witness to a baptism? When does anger turn into the sin of hatred? Father Brancich's thoughts on inculturation. Father's advice for discerning a third order. What should someone do if they are leaning towards Orthodoxy? Why does it feel like we're just reciting words during the Nicene Creed? How does one align themselves to the movements of grace? What should be done if a husband doesn't lead their household in Catholic matters? What if someone is not strong enough to stand up to their wife? Visit the show page at thestationofthecross.com/askapriest to listen live, check out the weekly lineup, listen to podcasts of past episodes, watch live video, find show resources, sign up for our mailing list of upcoming shows, and submit your question for Father!

DescriptionWhat does it take to build an organic, grain-to-glass distillery in the heart of the White Mountains? In this episode of the Bourbon Lens, we sit down with Chris Burke, co-founder and master distiller of Cathedral Ledge Distillery, to explore the intersection of organic distillation and historic standards.Chris pulls back the curtain on the "Bottled-in-Bond Act" and explains why this 1897 quality standard is the backbone of their production philosophy. We dive into the complexities of organic grain sourcing, the nuances of their mash bills, and how their specific maturation environment in New Hampshire creates a flavor profile you won't find in Kentucky.You'll learn about the technical side of barrel selection, the importance of seasonal labeling, and how Cathedral Ledge is navigating the challenges of direct-to-consumer (DTC) sales and legislation. From the first drop of the hearts to the final tasting notes, this conversation is an essential guide for anyone interested in the transparency, entrepreneurship, and artistry behind modern American whiskey.Chapters00:00 Introduction to Cathedral Ledge Distillery06:13 The Importance of the Bottled-in-Bond Act13:25 Maturation and Barrel Selection in the Northeast18:48 Crafting Unique Whiskey: Mash Bills & Process25:33 Marketing Strategy & Direct-to-Consumer Sales33:17 Tasting Preferences & Favorite Pours

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

In this episode of the Hustling Sideways podcast, hosts Allen Halas and Jim Love welcome Chrisi Goodwin, a sugar maker from New Hampshire. Chrisi shares her journey into the world of maple syrup production, detailing how a family project turned into a thriving local business known as Ice Mountain Maple. The conversation explores the labor-intensive process of sugaring, the significance of Maple Weekend, and the importance of community support in their growth. Chrisi discusses the challenges and joys of balancing her sugar-making passion with her professional career, as well as future aspirations for expanding their product line and online sales.Follow us:Allen Halas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AllenHalas.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BreakingAndEntering.net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Threads/Bluesky: @AllenHalas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: @AllenHalas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jim Love⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GoAuthenticYou.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jim_m_love⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jimm.love⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hustling Sideways is a business podcast hosted by Milwaukee-based music writer Allen Halas and keynote and motivational speaker Jim Love. The two both attended Marquette University, and now host the show to discuss the side hustles and passion projects of people that they meet, all while continuing to run their own side businesses. Every Monday, they're either interviewing a guest, or talking about the different aspects of business that side hustlers go through when balancing their 9-to-5 and their entrepreneurship endeavors. You can get the podcast wherever you download podcasts, as well as on our YouTube channel.

Suddhayu discusses the importance of meditation as a refuge in chaotic times, both as a way to tend to our own hearts, and as a way to change the world when we leave the cushion. Excerpted from the talk entitled Meditate Like a Buddha, January 13, 2026 at Aryaloka Buddhist Center in New Hampshire, USA. *** Help us keep FBA Podcasts free for everyone! Donate now: https://freebuddhistaudio.com/donate Subscribe to our Dharmabytes podcast: Bite-sized clips - Buddhist inspiration three times a week. Apple Podcasts: https://podcasts.apple.com/us/podcast/dharmabytes-from-free-buddhist-audio/id416832097 Spotify: https://open.spotify.com/show/4UHPDj01UH6ptj8FObwBfB

What if your emotions weren't problems to fix, but messengers inviting you into deeper self-awareness and resilience?In this episode of Beautiful Work Beautiful Life, Laurel Boivin explores what it means to befriend your emotions—a practice many of us were never taught but deeply need. Rather than treating emotions as obstacles to control or avoid, she invites listeners to see them as valuable messengers offering insight into our inner world.In this thoughtful conversation, Laurel shares how turning toward our emotions with curiosity instead of resistance expands our capacity to feel, process life's experiences more fully, and build resilience from the inside out.In This Episode:• The hidden costs of suppressing or avoiding feelings• How emotions function as messengers and sources of information• A simple four-step practice for befriending and processing emotions• Healthy ways to release emotional energy and build inner resilienceJournaling prompts are suggested to further your exploration. What feeling do I most often avoid?What do I tend to do instead of feeling that emotion?What healthy release practices are available to me when strong emotions arise?When have I experienced a difficult emotion and discovered that I could outlast it?What might change in my life if I approached my emotions with curiosity rather than judgment?Host/Cohost/Guest InfoGuiding others to become effective leaders of their own lives, Laurel Holland has been on a journey of awakening and transformation throughout her life. Writing about inner work, Laurel has authored four books, including Crossroads and Love's 8 Laws. Her books, Live Your Inner Power, the Journal, and Courageous Woman, introduce, share, and explore the eight foundational practices for creating transformation from the inside out. Through her books, programs, and innovative talks, Laurel's great desire is to lift others up and courageously step into the life they came here to live. You can learn more about Laurel, her books, and work she does at www.liveyourinnerpower.com.Laurel Boivin is a leadership coach, speaker, and workshop facilitator. Founder of Flux+Flow Professional Coaching, Laurel works with high-performing professionals and mission-driven organizations to shift from achievement to alignment — helping them connect deeply to purpose, lead with confidence, and create environments where people thrive.  A Reiki master and yoga practitioner, collector of sea glass and antiques, she lives in New Hampshire and summers in Maine.  You can learn more about Laurel and the work she does at www.fluxflowcoaching.com.The email to send questions to Laurel Boivin is ⁠laurel@fluxflowcoaching.com⁠ and for Laurel Holland - ⁠laurel@liveyourinnerpower.com⁠

I spent time this week in a musical improv class, and it was a masterclass in one thing: staying on the beat. In improv, if your mind wanders for even a second, you're out of sync with the whole team. It made me think about a request my son made when he was little for my "phone-free attention." That request stuck with me because giving someone our undivided focus is the most basic act of leadership we can offer. In this micro-lesson, I'm exploring why inclusion isn't a grand gesture—it's the radical, simple act of being fully present. Takeaways: The Gift of Presence: Why undivided attention is a non-negotiable leadership skill. Mental Leftovers: How to stop dragging the energy of your last "scene" into your next meeting. Tactical Grounding: Why staying in the moment sometimes requires tools like compartmentalizing (or even fidget toys). Your Challenge: Where are you finding it hard to stay on the beat today, and what's one thing you can do to tune back in? Good Vibes to Go: Watch the documentary Come See Me in the Good Light on Apple TV. It's about poet Andrea Gibson navigating their terminal diagnosis. It sounds dark but it's actually joyful, love-filled, and even funny. Connect with Me The Newsletter: This week in the newsletter, I wrote about prime-time disability leadership in Major League Baseball coverage, funding the first Inuit-led university, and more! Subscribe to the 5 Things Newsletter here.  Work with Me: Let's talk. Watch 5 Things on YouTube. Join thousands of readers by subscribing to the 5 Things newsletter. Enjoy some good vibes every Saturday morning. https://5thingsdei.com/

Growing up near Boston, Sugar discovered hiking in her early twenties while exploring the White Mountains of New Hampshire. After getting sober at 30, she found herself with the clarity, time and capacity to pursue the life she truly wanted. What followed was a decision to live authentically, prioritise long-distance hiking, and become what she proudly calls a professional dirtbag. In 2021, Sugar set out on the Appalachian Trail. While she knew she was a strong hiker, she also faced the uncertainty of what it would mean to walk the trail as a trans woman. Feeling the isolation of not seeing many stories like her own pushed her to begin writing, speaking openly, and becoming someone other queer and trans hikers could reach out to. Since then, she has become the first known trans woman to complete the Triple Crown of long-distance hiking, founded TrailQTs – a free mentoring programme supporting first-time queer and trans thru-hikers – and in 2024 pioneered the Divide to Crest Route, a 3,000-mile backcountry journey from the Mexican border in New Mexico to the Canadian border in Washington. In 2025, Sugar set a new women's self-supported speed record on the Appalachian Trail southbound, breaking the previous record by more than a day and a half. In this episode, we dive into sobriety, transition, representation, burnout, post-trail blues, building community, and what it really takes to push the body day after day. Sugar also shares practical advice on training, fuelling on a budget, protecting your feet, and why big dreams are built through small, steady steps. This is a conversation about courage, visibility, and creating the path you wish had existed when you started. *** New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time). Hit subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x *** Show notes Who is Lyla Using she/her programs  From the North East of the USA Living in New Hampshire Working with kids and doing bar tending and other odd jobs Growing up just north of Boston, on the North shore, about 3 hrs away from the Appalachian Trail Playing team sports  Getting into hiking in her early 20s, with the help of a friend  Hiking in the White Mountains in New Hampshire  Getting sober at 30 years old and being sober for over 8 years now How it changed her life, having more time and capacity to do more hiking Spending time exploring the local trails in the area  Starting her gender transition  Knowing she was trans in her late 20s but not having the capacity to do anything about it Getting sober and how it opened up lots of doors for herself  Living her authentic life  Deciding to leave her job, sell her car and go and hike the Appalachian Trail Hiking the Appalachian Trail in late March 2021 Spending the past 5 years making long distance hiking her priority Being a professional dirtbag Channeling all of her energy and resources into hiking  Managing fears and concerns before taking on the Appalachian Trail  Knowing she was a strong hiker Having concerns related to being a trans woman on trail and what unique challenges she would face Trying to learn more about other trans experiences on the Appalachian Trail Feeling a bit alone and not wanting others to feel the same way Deciding to write for an outdoor website called the trek Sharing more of her life online The power of seeing trans people in the outdoors  Speaking publicly and telling her authentic story Trying to be someone queer and trans folk can reach out to  Wanting to be accessible for other people  Documenting and sharing her story while hiking  Blog post - Trans competent on trail  Magical moments while being on the trail  Getting her trail name "Sugar" Suffering with burnout and adventure blues? Post trail depression and planning for it  Mental health and the importance of spending quality time in nature  Mental health habits and what's worked for her Having a rich community of people in her support network Having people who understand where you're coming from  Having good friends  Spending time along Self supported FKT SOBO on the Appalachian Trail  Pushing yourself hard while on the trail Day 1 of the project and why it was a year before starting on the trail The first couple of weeks and the challenging terrain  Why it's fun for her The physical challenge for her body and thinking more about millage  Wanting to know how much she could push her body The planning and preparation before the start of the hike  The Divide to Crest route  Trying to figure out how to make it financially viable  Looking for sponsorship from outdoor brands Physically training and breaking it down into 3 separate chapters The Arizona Trail  Why your feet are everything The New England Trail  Using her home as basecamp Dealing with a little tendonitis at the start Getting hiker legs Food and nutrition while on the trail Taking a B vitamin supplement every day to help with energy Taking electrolytes especially with the hot weather Maple syrup and salt  Doing the trail on a budget - salt, fat, carbs…. Eating foods that she can stomach while on the trail The importance of getting calories in  The idea behind the Divide to Crest Route Getting into route creation  The Great Basin Trail  Finding out more info about the Divide to Crest Route How to connect with Lyla on social media Finals words of advice for women who want to take on a new challenge and step outside their comfort zone Think about scaffolding  Why you don't need to do everything at once.  Build your skillsets over time What can you do this year to move you closer to your goal.    Social Media Instagram @seltzerskelter  

Rep. Brian Cole (R-Manchester) is a tireless advocate for expanding nuclear power in New Hampshire, and he's made energy policy the central plank of his campaign for U.S. Congress. In this edition of the NHJournal podcast, he talks about the realistic timeline for bringing new nuclear technology on line. He also talks about the U.S. war on Iran and Trump's impact on the November elections.Also, instead of the weekly serving of "Rank Punditry" on NH politics, it's "Pundit-Palooza!" We asked a half dozen politically-active people to give their quick takes on how 2026 is shaping up:U.S. Sen. Joni Ernst (R-Iowa)Republican strategist Mike DennehyNH Home Builders' CEO Matt MayberryNHFRW President Christine PetersFormer GOP U.S. Senate candidate Vikram MansharamaniGOP media professional Chuck McGeePS-- The episode kicks off with a cameo appearance from former Executive Councilor Andru Volinksy.Sponsored by Perfect Smiles of Nashua.Click here to support NHJournal!

Luke 5:1-11Thank you for tuning in to listen to this week's Coffee Shop Worship Service at Mtn Thrift and Coffee! All are welcome to experience the peace and presence of God in the beautiful White Mountains of New Hampshire.Loon Mountain Ministry invites all who wander in the mountains to experience the wonder of God. Our mission is to love God, serve community, and enjoy mountains!For more information, check out our website at loonmtnministry.comClick here to help support our ministryFacebook - facebook.com/loonmtnministryInstagram - @loonmtnministry.comYouTube - @loonmountainministry

(Host: Ted) On April 19th, 1775, colonial militia battled the British regulars at Lexington and Concord in Massachusetts in what would become the first conflict of the American Revolution. But what if I were to tell you that the first shots were actually fired months before, in December 1774? And not in Massachusetts at all, but in New Hampshire. Join me in this episode of Footnoting History, as we dive into the capture of Fort William and Mary, and the first shots of the American Revolution not heard round the world.

  https://slasrpodcast.com/      SLASRPodcast@gmail.com  Welcome to Episode 225 of the Sounds Like a Search and Rescue podcast. This week we're joined by hiker, blogger, White Mountain Tracer, and all-around mountain machine Isabella Risitano — better known as "Where's Izzy?" — and we'll talk about how she got into hiking, what sparked the blog, burnout, bushwhacks, redlining madness, Mountains for Meals, and whether she actually prefers hiking with Dave or Liz, plus we've got news out of New Hampshire including sledding bans along the Cog, a pile of snowmobile crashes, a couple of recent rescues, and a reminder that AMC Adopt-A-Trail renewals are coming up fast. We'll hit some White Mountains history with the anniversary of the Weeks Act, Nick's continued geography investigation into Intervale and why New England refuses to make town lines simple, a live show announcement at the Mountain Wanderer, gear talk including a heavy Yeti backpack and rain strategies that mostly involve Mike avoiding rain entirely, some listener shoutouts, recent hikes, future plans, and of course a dad joke Join the SLASR Podcast 48 Peaks Team on June 13 to hike Mount Adams About Izzy Where's Izzy? Mountains for Meals Awesome Blogs about the 4000 Footers   Topics Welcome Izzy Mount Everest new rules Live Show in April at Mountain Wanderer Cog News Article and reminder - no sledding allowed along the tracks  Advice for butt sledding Our friend and sometimes cohost Dave "Shits in the Woods" is on the Appalachian Trail and finally gets a notable hike of the week award Adopt a Trail Reminders Happy Anniversary to the Weeks Act - History Segment The strange naming history of NH Towns, Village - More History  Gear Talk - Yeti Backpacks and traction for kids  Rain Gear and strategy  Recent Hikes on Doubleheads and Mt. Pierce  Guest of the week - Welcome Izzy Risitano Recent SAR news Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree SLASR's BUYMEACOFFEE Order Hike Safe Card 48 Peaks website Nick's Instagram Amateurs to be banned from Mt. Everest? Cool article about the Cog's role in SAR and a cool mention of our sometimes-co-host Andy  Archive Link Cooler maker Yeti now makes (heavy) Backpacks  More detailed review of the Yeti Backpack Ice Cleats for Kids Sponsors, Friends  and Partners Wild Raven Endurance Coaching burgeonoutdoor.com 48 Peaks - Alzheimer's Association Mount Washington Higher Summits Forecast Hiking Buddies  Vaucluse - Sweat less. Explore more. – Vaucluse Gear Fieldstone Kombucha CS Instant Coffee The Mountain Wanderer 

Former CNCO member R!ch Yashel sits down for a personal conversation about his journey from a kid with big dreams to an international Latin pop star. In this episode, Rich opens up about growing up as the child of Dominican immigrants and how his parents made the bold decision to leave New Hampshire for Miami to help him chase his dream of becoming a singer. From early auditions on shows like American Idol and The X Factor to the life changing moment he landed on La Banda, the reality show that created the global Latin pop phenomenon CNCO. Rich shares what it was like to gain millions of fans around the world at a young age, navigate fame, and now step into a brand new chapter of his career. We talk about his latest single, creative freedom, fatherhood, and the lessons he’s learned about the music business after years in the spotlight. He also reflects on a moment when he nearly gave up on music entirely and considered becoming a chef before rediscovering his passion and purpose. This conversation is about growth, truth, resilience, and learning to follow what feels right.See omnystudio.com/listener for privacy information.

From Martial arts to gun clubs, trans people are taking their personal safety into their own hands. This week, Imara is joined by two guests to help think through personal safety for trans people and what preparing for self defense can actually look like in an era when faith in law enforcement organizations—always precarious for the trans community—has reached new lows.First, Imara speaks with Fin Smith, also known as the Queer Armorer online. They are the founder of Rainbow Reload, a queer and trans centered gun club in New Hampshire. Then, Imara chats with Abigail Austin, a Thai boxing coach and founder of Red Panda Muay Thai in Seattle, Washington. This week's Trans Joy features a trans owned tattoo shop in Minneapolis. Shop owner M Nijiya shares more about their community fundraiser that helped to support local mutual aid groups. Send your trans joy recommendations to translash_podcast @ translash [dot] org Follow TransLash Media @translashmedia on TikTok, Instagram, Threads, Bluesky, and Facebook.Follow Imara Jones on Instagram (@Imara_jones_), Threads (@imara_jones_), Bluesky (@imarajones.bsky.social), X (@ImaraJones)Follow our guests on social media: Instagram and TikTok@abigailaustinmusicInstagram@redpandaboxing Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Box of Oddities, Kat and Jethro wander into two deeply unsettling mysteries—one quietly strange, the other heartbreakingly unresolved. First, we travel to Victorian London, where police reports, medical notes, and newspaper clippings from the late 19th century describe something profoundly wrong: shadows that didn't behave. Ordinary people reported silhouettes that lingered after they moved, climbed walls, hesitated in hallways, or crossed rooms on their own. These weren't ghost stories or sensational fiction. They appeared alongside lost umbrella notices and municipal complaints, filed under phrases like “unusual visual disturbances” and “irregular light phenomena.” For nearly two decades, these so-called “living shadows” were witnessed by sober, respectable individuals—including police officers—before vanishing from the historical record just as electric lighting replaced gas lamps. Why they appeared, and why they stopped, remains an eerie question with no official answer. Then, the episode shifts to one of the most haunting missing person cases in modern American history: the 2004 disappearance of Maura Murray. On a cold February night in rural New Hampshire, Maura's car was found crashed into a snowbank on Route 112. She had spoken to witnesses moments earlier. By the time police arrived, she was gone. No confirmed sightings. No financial activity. No phone usage. Despite extensive searches involving local police, state police, the FBI, tracking dogs, and helicopters, Maura was never found. More than twenty years later, her case remains open, raising enduring questions about what happened in the critical minutes between the crash and the arrival of law enforcement—and whether she fled, was disoriented, or encountered the wrong person. Along the way, Kat and Jethro reflect on fear, perception, and those brief moments when reality seems to hesitate—when your brain knows something is wrong, but can't yet explain why. Strange history, unresolved mysteries, and quiet moments of unease—this is The Box of Oddities. Learn more about your ad choices. Visit megaphone.fm/adchoices