Podcasts about northeast

Greg talks to Riley Frain of the Portal Report about the impactful NBA Draft decisions of the past few weeks, the landscape of the mid-major college hoops in the Northeast part of the country & the Atlantic 10's big offseason, & Greg recaps the early week college basketball news & notesLink To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 3:46-Interview with Riley Frain24:55-Recap of the past 72 hours of transfer moves

If you've been watching the shifting tides in geopolitics and looking for a solid offshore Plan-B, you need to be paying attention to Paraguay. Under the leadership of President Santiago Peña, the country is quietly becoming one of the most attractive destinations in Latin America for expats and investors.  In this episode, I share what I learned during a private meeting with President Peña himself, and why Paraguay checks every box for freedom, stability, and opportunity. IN TODAY'S EPISODE: Listen in to learn how President Peña is reshaping Paraguay into South America's most expat-friendly country Tune in as I break down how Paraguay's geopolitical neutrality is actually a massive strategic advantage Learn why Paraguay's residency program is one of the last low-cost, low-barrier options available today Find out what makes Paraguay so appealing for savvy investors and expats looking for a solid Plan-B PARAGUAY POTENTIAL To stay ahead of the curve with real-time insights and updates on Paraguay, make sure you're subscribed to Paraguay Potential, our dedicated newsletter covering the country's rise as a premier expat haven. PARAGUAY RESIDENCY If you're serious about securing your residency, visit ExpatMoney.com/Residency-in-Paraguay to see how our team can help make the process seamless.  DON'T MISS THE EXPAT MONEY ONLINE SUMMIT 2025! Join the Expat Money Online Summit 2025 for three action-packed days of presentations where you'll gain exclusive insights from dozens of seasoned offshore experts. Discover how to reclaim your freedom abroad, legally slash your tax bill, and maximize your returns - all with confidence and zero stress. RELATED EPISODES 343: Austrian Investor Bets Big on Paraguay—And Wins – Markus Amann 342: Paraguay Tour Recap: Exploring Latin America's Best Kept Secret 326: Paraguay Potential: Investing Offshore For Fun And Adventure – Fernando De CevallosMentioned in this episode:Into The Amazon—Then Straight To The BeachThis year, I'm taking a private group into the Amazon rainforest—then we head to Fortaleza and explore Brazil's booming Northeast coast. Think Amazon river cruises, beachfront developments, and wide-open opportunity. From the heart of the rainforest to pristine beaches most people only dream about—this is bucket-list meets Plan-B strategy. If you've ever wanted to see the real Brazil and scout investments along the way, this is it. Go to ExpatMoney.com/Brazil. Brazil Tour August 2 - 9, 2025Grab Your Complementary Ticket To This Year's...

Today's guest is Dave Pope, a friend of mine from college who spent 14 years in sales in the Northeast before making a bold move and buying Kaytech, Inc., a surface preparation company based in Greenville, South Carolina. At the time, he had no prior experience as a business owner.In this episode, Dave shares what it's really like before, during and after acquiring a small business with stories from his first year as an owner-operator.Subscribe on Apple Podcast , Spotify or YouTube.Let's connect!Subscribe to my newsletter: Time To Live: Thriving in Business and BeyondWebsite: https://www.annemcginty.com/LinkedIn: https://www.linkedin.com/in/annemcgintyInstagram: https://www.instagram.com/annemcgintyhost

With the murder of Indore businessman Raja Raghuvanshi in Meghalaya, a great many stereotypes about the state have been thrown around by TV media, overlooking the state's largely peaceful past. In this edition of #WritingsOnTheWall ThePrint Editor-in-Chief Shekhar Gupta narrates chapters from his days as a reporter covering the Northeast.----more----Read Shekhar Gupta's Writings On The Wall here: https://theprint.in/sg-writings-on-the-wall/to-wistfully-in-shillong/544363/----more----Watch CutTheClutter episode on Meghalaya here: https://youtu.be/zk-FQrwHATk----more----https://youtu.be/eNODudbet88----more----https://youtu.be/nYm2t4mFSzs

Many North Americans would love to catch brown trout in their native environment, and most of us think of the UK or France or Slovenia for wild, native brown trout. But, Spain has a long history of fly fishing in the Pyrenees (Hemingway loved fly fishing in the Pyrenees and called this region "the closest thing to heaven") and for the traveler, there are many rivers with public access. Spain has small freestone mountain streams, lakes, and tailwaters that offer excellent trout fishing and my guest this week, Ivan Tarin [35:59], of Salvelinus Adventures, has spent thirty years exploring these rivers and has many tips to offer.   In the Fly Box this week, we have some interesting questions and also a listener who was upset by my attitude in a recent podcast: Do you have any advice to help me catch more trout on dry flies? Does it matter that jig flies ride upside-down? Why can't I catch a fish on a Pheasant Tail nymph? What is the best color for a background on a fly-tying table? How do you keep track of the leader and tippet you have on a fly line? How long with rivers in North Carolina take to recover from the devastating floods? Why has trout fishing been so lousy in the Northeast this spring? What should I do when trout are feeding on tiny flies? Small dries are too small for me to see. Should I work a small bass river upstream or down? I don't do well on dropoffs. How should I fish them? What is the difference between Helios F and D versions, and what is the difference between the 9-foot and 9-foot 5-inch Helios 5-weight models? A listener takes me to task for making fun of conventional bass anglers.

Redfin's latest forecast suggests home prices will see a 1% decline by year-end, a significant shift after years of growth. On The Market host Dave Meyer is joined by Chen Zhao, Redfin's Head of Economics Research, to discuss the key factors behind this projection, including a changing ratio of buyers to sellers in the market. Later in the show, Dave and Chen break down regional trends across the Sunbelt, Midwest and Northeast, talk about rent forecasts heading into 2026 and touch on the impact of current mortgage rates and trade policies on the real estate market. Links from the Show Join the Future of Real Estate Investing with Fundrise  Join BiggerPockets for FREE  Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders   Property Manager Finder Dave's BiggerPockets Profile Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-328 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Who is this Dan Orlando guy? And why is his album so good?!It's episode No. 100 - featuring Philadelphia-area piano-playing singer-songwriter & lead singer Dan Orlando! Dan takes us through his musical journey and we break down the songs & the making of his thrilling debut LP Heritage Trail. Dan makes no bones about where he sets his sights."I do feel like there is a closed highway - that if someone can access it, there is an appetite for another 'Piano Man,'" Dan said in our conversation. "I've always chased that ambition and I haven't been shy about it. I think I'm the next 'Piano Man.'"Download Heritage Trail and Dan's other releases and see for yourself why audiences are taking notice - and why they may be hungry for a hero in this genre.Visit Dan's web site for Dan's live schedule, merch & more. Follow him on social media - @danorlandojrhttps://danorlandojr.com/"In addition to his solo career, Dan is the lead singer of The Lords of 52nd Street, a band featuring original members of the Billy Joel band, which tours across the Northeast. His exceptional talent led him to the prestigious University of Cincinnati's College-Conservatory of Music, where he graduated with a bachelor's degree in jazz piano. Here, he drew inspiration from artists like Keane and Coldplay, admiring their ability to prominently feature piano in a way that resonates with everyday listeners.Dan's exceptional talent led him to the prestigious University of Cincinnati's College-Conservatory of Music, where he graduated with a bachelor's degree in jazz piano. Here, he drew inspiration from artists like Keane and Coldplay, admiring their ability to feature piano prominently in a way that resonated with everyday listeners. Additionally, he idolized Freddie Mercury of Queen for his dynamic stage presence and vocal prowess, while the soulful sounds of Stevie Wonder and Marvin Gaye shaped his musical style.Blessed with perfect pitch and a multi-octave vocal range, Dan has been a professional musician for nearly half of his life. Music is the most honest form of expression for Dan. He often says he gets his emotions out much more clearly through music than through words or body language.Growing up in West Grove, Pennsylvania, Dan's musical journey began early. He knew Mozart before he knew his ABCs and loved his afternoon piano lessons. A pivotal moment came when he discovered Elton John's Goodbye Yellow Brick Road in his father's CD collection. A lightbulb went off! He didn't know piano could rock.Today, Dan's unique blend of pop, rock, R&B, and balladry connects with fans of every genre and generation. His goal is to create music with a timeless quality that people of his generation can't wait to show their grandkids someday.In 2016, Dan stepped into the national spotlight, performing at the “Power of Love” 20th Anniversary Gala, celebrating Tony Bennett's 90th Birthday at the MGM Grand in Las Vegas. As part of an all-star lineup, Dan took the stage with American Idol Season 6 winner Jordin Sparks to sing a medley of Bennett's hits. He has also supported headliners like Andrea Bocelli, Kenny “Babyface” Edmonds, Robin Thicke, and the Blues Brothers."Thanks for listening, subscribing & telling a friend about the Dan Time Podcast! Available on YouTube and wherever you listen to podcasts.dantimepod@gmail.com

Donald Trump has the lowest 100-day job approval rating of any president in the past 80 years, with public pushback on many of his policies and extensive economic discontent, including broad fears of a recession. The concept of the "First 100 Days" refers to the early period of a U.S. president's new term, typically seen as a symbolic window to set the tone, push key policies and demonstrate leadership. It represents a kind of political version of a first impression. In the United States, no one talked that much about the importance of a president's first 100 days—until Franklin D. Roosevelt took office in 1933. He took swift action to calm the nation's crippling financial panic (cue the Emergency Banking Act and the “fireside chats” that became Roosevelt's signature) and began rolling out the programs that made up his New Deal, including 15 major pieces of legislation in the first 100 days. FDR's extraordinary productivity translated into enormous popularity, and he set a first 100-day standard against which all future U.S. presidents would (perhaps unfairly) be measured.We talk with Chuck Cordak, an ardent MAGA supporter, about why he thinks Trump's first 100 days have been successul, and, of course, we offer our view. Spoiler alert: Chuck is positively impressed; we're not.What seems to matter to MAGA followers, like Chuck, is the volume of activity that surrounds the Trump administration. The question is, what does all that activity do for the good of the country?Chuck is a father of six, five who serve in the military. He has been deeply involved with Ohio, Illinois GOP politics for over 40 years. A former ROTC Midshipman at Ohio State University, Chuck is a native Ohioan and says he was raised as a Truman Kenndy Democrat with conservative Catholic education and traditional values. He has worked all over the Midwest, as well as the Northeast. Chuck resides in Columbus and is currently working on releasing a thought buster book. Chuck is also a segment contributor for Sirius XM and TNT Radio and writes for AFNN.us.So what does it take for a MAGA faithful to offer any criticism of Trump? Listen and find out.

On the podcast this week Rosie is multi-tasking as she gets ready for a hen do whilst sharing beefs and reading some brilliant QFTP's! Chris shares a new diagnosis that is causing him some stress (natch) and the pair get mad at North East weather, do some Yodelling and get round to some wacky wacky do da headlines in a newish segment, Extra Extra! Email the podcast shaggedmarriedannoyed@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Our GUY!  Fox News Channel's Mike Tobin Climbed Mt Everest and joined us:-We were one of the few people he told he was climbing Everest-His prep time and sleeping in a chamber at home aka "The Michael Jackson Tent"-Did he bring his own toilet paper and where do you go to the bathroom???-One sherpa named "Tuesday"-Took FOUR Days to climb Mt Everest-"When you climb up on the Northeast ridge of Everest (most difficult climb), I had that moment that I'm higher than anywhere in the world!"-Mike did 22 pushups on the summit representing the 22 veteran and first responder suicides every single day Follow Mike on Instagram  To subscribe to The Pete McMurray Show Podcast just click here

Signs of a softening for-sale home market are making some worry about a larger economic downturn, and apartment rent growth has faltered, growing less this year than in the past. That being said, apartment market performance varies considerably from region to region. Midwest and Northeast markets have rent growth close to 3-3.5%, while the South and West are less than 1% (and sometimes negative). Apartment construction trends point to a more balanced market as 2025 moves into 2026, but higher supply markets may take longer to get to this equilibrium.Sources discussed in this episode:GlobeSt: “Experts Warn Housing Could Be the Tipping Point for the Next Recession” - https://www.globest.com/2025/05/28/experts-warn-housing-could-be-the-tipping-point-for-the-next-recession/Cotality: "US home price insights — June 2025” - https://www.cotality.com/insights/articles/us-home-price-insights-june-2025Apartment List: “May 2025 National Rent Report” - https://www.apartmentlist.com/research/national-rent-dataColliers: “Path to Performance: Fundamentals Strengthen in 2025 - Multifamily Capital Markets Report” - https://www.colliers.com/en/research/nrep-uscm-usmf-colliers-capital-markets-multifamily-report-2025Learn more about Gray Capital's Midwest Multifamily Fund: https://www.graycapitalllc.com/midwestDownload Gray Capital's latest report: ⁠https://www.graycapitalllc.com/midwest-report/⁠Sign up for our free multifamily newsletter here: ⁠https://www.graycapitalllc.com/newsletter⁠ DISCLAIMERS: This video does not constitute professional financial advice and is for educational/entertainment purposes only. This video is not an offer to invest. Any offering would be made through a private placement memorandum and would be limited to accredited investors.

This Tech On Demand podcast episode is all about fall control, integrated pest management and implementing biocontrol strategies that work. Host Bill Calkins is joined by Phil Gerry, a Technical Sales Consultant for the Northeast Region covering six states for Koppert. Koppert is a global market leader specializing in biological crop protection and team members have joined the podcast before covering biological IPM for spring crops and strategies for hybrid and truly integrated strategies. Phil was lead grower for large nurseries and greenhouses in the Northeast and Northwest before joining Koppert in 2021 and brings an incredible amount of practical knowledge and creative strategies to the topic of managing key pests in garden mum and poinsettia production.   In this episode Bill and Phil discuss the spring production season before jumping into the main topic—IPM for crops produced in summer for fall and holiday sales. Phil explains the importance of understanding the compatibility of biological controls and traditional chemistries, as well as why it's critical to define what success looks like for your greenhouse or nursery before integrating biocontrols. As he reiterated, when making a move to bio-based approaches, it's best to start slowly—choose one crop or one pest and hone skills before moving on to a more comprehensive plan.   When it comes to biological controls for garden mums, indoor versus outdoor production must be considered and beginning applications in propagation is the best approach for various reasons Phill addressed. Key pests discussed include aphids, thrips, fungus gnats, whiteflies and spider mites. Moving on to poinsettias, of course the main pests (whiteflies and spider mites) require diligence, scouting and early preventative controls and Phil explained some of his go-to tactics. Be sure to listen all the way to the end of this discussion because these notes barely scratch the surface!   RESOURCES & PRODUCTS MENTIONED IN THE EPISODE:   Koppert U.S.: https://bit.ly/4kR5r13 Koppert Consultants & Locations: https://bit.ly/455PYpp Side Effects Guide: https://bit.ly/4kOoZmP Isarid: https://bit.ly/4mASHxc Spidex: https://bit.ly/4dHyf9S Enermix: https://bit.ly/3SAoy3p Swirski-Mite: https://bit.ly/3HEZOEI Airobreez: https://bit.ly/3SAp815   2025 GrowerTalks Biosolutions Guide: https://www.growertalks.com/pdf/BioSolutions_Guide_2025.pdf

Today, Rachel Reeves has announced a multi billion pound investment for transport projects across the country.The money will be spent on tram, train and bus projects in mayoral authorities across the Midlands, the North and the West Country. But how different is this to money previously announced under the last Conservative government? Adam is joined by the Mayor of the North East of England Kim McGuinness. Meanwhile, the Chancellor Rachel Reeves has confirmed more people will get the winter fuel payment this winter. Adam, Chris and Faisal discuss that, and more tariff turmoil. You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereNew episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. It was presented by Adam Fleming. It was made by Jack Maclaren with Julia Webster and Adam Chowdhury. The technical producer was Philip Bull. The assistant editor is Chris Gray. The editor is Sam Bonham.

"Things started to get hard...when I realized there were beauty standards," LJ told Renée. LJ was adopted from South Korea by when she was 6 months old. Growing up in Vermont, she found herself paradoxically situated between the progressive political spirit of the Northeast and its pervasive, problematic whiteness. LJ is a mental health counselor and smart as a whip, so she is able to explain beautifully the complicated intersections of her racial and sexual identity development. As she does, she and Renée discuss everything from fetishization to white fragility to how the state of Vermont is "inherently queer." LJ makes so many fascinating points that Renée almost forgets she is supposed to help her! Specifically, LJ came to the show wondering how to assert herself in conversations with invalidating friends and family; she is struggling to break the codependent pattern of worrying more about the other person's comfort than she does about herself. There are a lot of layers for Renée to cut through on the way to LJ's answer, and cut through them she does! The path is a little more abstract and nuanced than usual, which gets Renée even more excited than usual, leading to an ending that is just as exciting as usual. This one is heady in the best possible way.Support the show

Today we're delighted to welcome back Mike Sommers, President and CEO of the American Petroleum Institute (API). Mike has led the API since 2018 and previously spent two decades in senior leadership roles in the U.S. House of Representatives and the White House, including as Chief of Staff to Speaker of the House John A. Boehner and as Special Assistant to President George W. Bush on the National Economic Council. The API represents 600 members across the full spectrum of the U.S. petroleum industry, with roots dating back to World War I, when Congress and the domestic oil and gas sector joined forces to support the war effort. We first hosted Mike on COBT in September 2021 (episode linked here), and with all the changes in energy and Washington since then, we had plenty to catch up on. We were thrilled to visit with Mike to hear his latest insights. As you will hear, there is almost no energy topic Mike can't help us think through. In our discussion, we explore evolving attitudes in Washington toward natural gas, from being viewed as a waste product to a “bridge fuel” during the Obama era, and now as a “forever fuel” due to its growing importance in meeting rising energy demand. We examine the increased engagement between tech companies and the energy industry, the urgent need for a more durable, streamlined, and predictable permitting system to support the expansion of energy infrastructure, referencing the Supreme Court's recent decision that narrows NEPA's scope and increases deference to agency decisions, potentially reducing project delays. We discuss the ongoing debate and uncertainty regarding the IRA, which incentives may survive in reconciliation, and the potential impact of legislative changes on clean energy investment. Mike shares his perspective on the recent House Bill, which removed renewable tax credits, and the expectation of reconciliation in the Senate. We cover the new National Energy Dominance Council and its role in coordinating energy policy across federal agencies, the evolving balance between federal and state authority in energy regulation, and advocacy for consumer choice in vehicle technology, specifically the recent repeal of the California EV mandate. We explore Alaska's resource potential, including the opportunity to build an LNG terminal to utilize natural gas currently being reinjected, and the broader significance for U.S. energy security and exports to Asia, the strategic importance of domestic oil and gas, the role of judicial review in permitting, and much more. It was a fantastic conversation and we greatly appreciate Mike for joining. Mike Bradley kicked off the discussion by noting that while remnants of “Trumpatility” have mostly faded, with S&P 500 volatility now low, broader markets remain sensitive to Trump's policies, as highlighted this week by the doubling of aluminum and steel import tariffs. He pointed out that oil prices have surprised traders to the upside so far this week, rising more than $2/bbl despite OPEC+ signaling a July production increase of >400kbpd. Mike also discussed EOG Resource's $5.6 billion deal to acquire Encino Acquisition Partners' Utica asset, noting that the deal adds another large core oil asset play for EOG and could also prove to serve as a backdoor natural gas play, especially if the Northeast finally opens up for energy infrastructure spending. Jeff Tillery added to Mike's comments, noting that despite the day-to-day volatility in oil markets, the long-term outlook still comes down to tight supply and the need for real demand growth. On the gas side, he pointed to strong demand pull but emphasized that the key question is where prices will ultimately settle given the ample supply. Thanks to you all. We hope you enjoy today's discussion as much as we did!

Today on the No Regrets Podcast, Nate Gruber is joined by Jeff Dionne, Regional Director for Maine and the Northeast with Man in the Mirror. Jeff shares his powerful story of how simply signing up for a church softball team led him into men's ministry leadership—and gave him a passion for helping churches disciple men with greater intention. In this episode, Nate and Jeff explore what it takes to create, capture, and sustain momentum in men's ministry, especially heading into the fall. They offer practical insights on: Moving from random books and studies to a strategic discipleship plan Building effective men's leadership teams Understanding the difference between vision-minded and mission-minded men—and how to utilize both Developing clarity around your ministry's goals: Who are you trying to reach? What topics should you explore? Helping men move from cultural Christianity to an authentic pursuit of the God who is, not just the God we want Whether you're a pastor, small group leader, or just someone passionate about strengthening men in your church, this conversation will equip you with next steps for building an impactful and lasting ministry to men. Resources Mentioned: Man in the Mirror Ministry No Regrets Men's Ministry

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   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  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   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 pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. 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We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. 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  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

The Trump administration want to cut the Low Income Home Energy Assistance Program (LIHEAP). Advocates in the Northeast warn the results would be dangerous to residents, if not deadly.

What makes a truly extraordinary pizza? It's a question that Pittsburgh pizza masters Patrick Elston of Gus Franco's and Pete Tolman of Ironborn Pizza have spent years perfecting—crafting distinct styles that have earned them regional championships and devoted followings.(00:52) Patrick's journey began with a mobile wood-fired pizza trailer in 2018, eventually establishing Gus Franco's brick-and-mortar location in Lower Burrell. His "American baker style" pizza represents a careful evolution from Neapolitan traditions, with meticulous attention to dough fermentation and bread-making techniques. The result? A perfectly crispy yet light crust that recently earned him recognition as the Northeast Region champion for traditional pizza at the International Pizza Expo.(22:59) Meanwhile, Pete Tolman transformed a chance encounter with Detroit-style pizza during a Colorado ski trip into Ironborn Pizza, now thriving with locations in Millvale and the Strip District since 2017. His distinctive inch-plus-high crust with a lacy cheddar cheese edge has gathered its own accolades, including multiple Northeast regional championships. Beyond pizza, Ironborn's Strip District location showcases handmade pasta, fresh meatballs, and a full bar experience.What truly sets these pizza makers apart is their dedication to craft. Patrick describes the intense relationship with his wood-fired oven—moving pizzas through five different "spots" during busy service, constantly managing heat, and treating each pie as an artistic creation. Pete reveals the science behind his dough, which rises higher than traditional Detroit-style, creating Ironborn's signature airy texture. Both prioritize quality ingredients, including non-bromated flours and proper fermentation, challenging the notion that pizza is merely "junk food."(32:27) Their friendship exemplifies Pittsburgh's collaborative food scene—they attend pizza competitions together, celebrate each other's successes, and even share monthly dinners with their families. Their approach to business growth remains deliberately measured, with Patrick slowly introducing Sicilian pizzas and Pete focusing on strengthening operations at his existing locations.Whether you're craving Patrick's "Hot Dad" pizza with sopressata and hot honey or Pete's white pie with garlic cream and roasted tomatoes, these pizza masters prove that Pittsburgh's pizza scene has evolved into something truly special. Visit them soon to taste what championship-level dedication to pizza craft really means.Support the showLiked the episode? We'd love a coffee!

Some of my Midwest slang doesn't coincide with my husband's Alabama roots and vice versa. And the Northeast verbiage can sound like a foreign language to me! So when did I learn “Christianese” and use it with my friends who didn't understand.Support the showSupport our ministry by clicking "Support the show" above where you will be directed to our website. You will find a "Donate" button at the bottom of the page. Thank you and God's blessings.Dr. Debra Peppers, "Dr Pepper" https://saltandlightministry.com/

Nearly 45 million are on alert for possible tornadoes and torrential rain in the Northeast; A very close call between two packed passenger planes, after one jet suddenly turned into the path of the other in San Francisco; Elon Musk's Oval Office farewell as he steps away from his role as special government employee Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Brian  welcomes back Ryan Edwards, a Texas-based cryptozoologist and author, to discuss his latest book, 'Beyond Bigfoot: The Unrecognized Primates of North America.' Ryan explains the research process behind his book, delving into lesser-known cryptids such as Devil Monkeys, North American Apes, and the Gugwe. He emphasizes a scientific approach to cryptozoology, while distinguishing between flesh-and-blood cryptids and 'para-cryptids'—creatures that defy biological explanation. The conversation also explores the influence of media on cryptid sightings and the psychological aspects of cryptozoology. Lastly, Ryan shares some of his field research experiences and outlines his future projects in the realm of cryptids.Get Ryan's Books00:00 Welcome Back, Ryan Edwards! 00:18 Diving into 'Beyond Bigfoot' 01:15 Exploring Unknown Primates 02:12 Research Methods and Collaborations 02:59 The Devil Monkeys and Their Origins 04:12 The Gugwe: Face Eaters of the Northeast 05:30 North American Apes: More Than Just Bigfoot 08:52 Skepticism and the Dogman Phenomenon 10:57 Para Cryptids: Beyond Flesh and Blood 14:52 Mothman and Mass Hysteria 17:56 Cultural Influences on Cryptid Sightings 21:53 Misidentifications and Cryptid Confusions 24:32 The Influence of Media on Cryptid Sightings 26:15 Field Research and Personal Experiences 29:29 The Legend of Boggy Creek and Its Impact 36:01 Stick Structures and Bigfoot Behavior 43:28 Books and Future ProjectsBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.

Home-price appreciation is still rising in 2025, though the pace is starting to cool. The S&P CoreLogic Case-Shiller Index shows a 3.37% annual increase in March, with Midwest and Northeast cities leading gains. Rising inventory is giving buyers more leverage, but recent tariff-driven rate hikes may slow momentum. In this live, we break down what's happening in the housing market to make you a better first time home buyer or seller.Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

John Marvin grew up in Kansas as a member of a family with significant medical experience. John's father, for example, was a family physician in a small Western Kansas town. John describes some about his life and how his thoughts and attitudes were greatly influenced by his father. Late in his high school career John told his dad that he did not want to grow up to be a doctor because, as he put it, he didn't want to work as hard as his father worked. John will explain that to us. As he also put it, his comment came from a young naïve boy.   In college John settled on securing a marketing degree. After college he ended up going deeply into marketing and eventually he entered the optical industry specializing in optometry.   John and I have some wonderful discussions about self growth, leadership and how to help people and companies grow. I got, and I think you will get, many great ideas from John's experiences and that we all will be the better for what John has to say and teach us.       About the Guest:   John D. Marvin is an entrepreneur and dynamic leader with a proven track record of success in healthcare, wellness, and the eyecare industry. As President and CEO of Texas State Optical (TSO), he has transformed the organization into one of the largest and most respected networks of independent optometrists in the United States, generating upwards of $110 million in annual revenue. With over two decades of experience at TSO, John has cultivated a member-owned cooperative that empowers optometrists to operate independently while benefiting from robust centralized support. His leadership has been pivotal in fostering a culture of innovation, professional growth, and exceptional patient care. John's career spans over 40 years, during which he has held executive roles across various industries, including marketing, consulting, and healthcare. His entrepreneurial spirit is evident in his strategic leadership during TSO's transition from a retail chain to a cooperative network in 2001. Under his guidance, TSO shifted its focus from product-driven services to comprehensive medical eyecare, reinforcing its reputation as a patient-centered organization. Beyond TSO, John serves as President of Texas Eyecare Partners and Health and Wellness Consulting. As a lifelong advocate of personal growth, John has studied the transformative power of mindset and the “inner game” of success. His insights into leadership, achievement, and business management have made him a sought-after speaker and certified John Maxwell Professional Coach. John passionately shares his experiences to inspire others to unlock their potential, offering actionable strategies to overcome challenges and drive meaningful change. John's dedication to education and collaboration is evident in his efforts to support emerging professionals in the field of optometry. He has fostered strong relationships with the University of Houston's College of Optometry and the Texas Optometric Association, contributing to scholarships, professional development programs, and initiatives that promote medical optometry. Through his vision and unwavering commitment to excellence, John D. Marvin exemplifies the principles of leadership, empowerment, and innovation, making a lasting impact on the eyecare industry and beyond. Ways to connect John:   https://www.facebook.com/jdmarvin  https://www.linkedin.com/in/jdmarvin/  https://www.instagram.com/jdmarvin/ https://tso.com/   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Well, hello, everyone. Once again, wherever you happen to be, I'm your host on unstoppable mindset, Mike Hingson, or you can call me Mike, whichever you prefer. And our guest today is John D Marvin. John is an entrepreneur. Has been an entrepreneur for quite a while, and he has been involved in a number of different kind of endeavors over his life. And he's worked, worked in the eye care industry a bunch, and is now in charge of Texas State Optical. We're going to learn more about that and and all the other things I don't know whether I care, does me a whole lot of good directly, but it's fun to talk about anyway. No, no doubt. So John, I want to really welcome you. I'm glad we finally made this work. I'm glad we got a chance to connect. So welcome to unstoppable mindset.   John D Marvin ** 02:13 Well, thank you, Mike. It's a real pleasure to be here.   Michael Hingson ** 02:15 Well, I'm glad that we we get a chance to really talk. We haven't really done too many podcasts on eye care and optical stuff, so I'm glad to be able to do it. But I'd like to start, as I'd love to do so often, tell us about kind of the early John growing up, and go from there.   John D Marvin ** 02:33 Okay, I was born and raised in Kansas. I that that's northern Texas, right? That's northern Texas. That's right, yeah, I actually grew up in western Kansas. I was born in Kansas City, but I grew up in western Kansas, and my father is a family physician, and had the kind of stereotypical country doctor practice small town, 2000 people, and my mother was his office manager for a number of years. And so it was a kind of a family business. And I have three siblings, sisters, and so we grew up in a small Mayberry type town, and it was great riding bicycles till the street lights came on at night, and catching fireflies and all that kind of good stuff. And then I decided to go to school. I chose to go to school in Tulsa, Oklahoma, and graduated, it's an emphasis in marketing and marketing and business administration, and ended up in the ad agency business for a little bit of a time, and just kind of really decided that wasn't for me, and ended up from there going into pharmaceutical sales. And really enjoyed that, and enjoyed the the outside sales aspects of it and calling on doctors. And my territory was western Kansas, so I used to say, and still refer to it as my territory looked like my high school football schedule. So we would go to these small towns. And of course, most everyone out there knew my father, and so the typical problem of trying to get past the front desk was made a little easier because people knew my family, and from that, I ended up taking an administrative, marketing administrators position with a group of surgeons in in Wichita, and that led to introduction and eating some ophthalmologists in Houston. Them and followed a job opportunity I had with them and came to Houston in 1989 I've been here ever since, but it was after four years of working with them, I ended up going out on my own and started my own business, which was Marketing Management Group, which did consumer research, and then we would develop marketing strategies based on that. And one of my clients, early clients, was Texas State Optical. And because of my background in eye care, both in Wichita, Kansas and in Houston, I had a better I got some insight into the consumer. And so the work I did with Texas State Optical was a lot we did a lot of work, and did several studies with them, and that kind of introduced me to the whole group of franchisees that made up the Texas State Optical organization. Subsequently, I helped them organize, the franchisees organize, and in the late 90s, 1999 I was hired by the franchisees to put together a Franchise Association, and through that, ultimately help them acquire the company, purchase it, and from that during that process, was asked if I would be willing to come on board as the new president of the company once they purchased it. And that was in 2001 and I've been president ever since. So here you go. It kind of takes you from Small Town Living to big city operations and a network of about 100 optometry offices.   Michael Hingson ** 06:47 So what exactly is Texas State Optical? Or maybe first, what was it and how is it morphed over time?   John D Marvin ** 06:56 Well, originally it was founded by four brothers in 1936 in Southeast Texas, little town called Beaumont, and famous for a lot of things in that part of the state. One of them is Janis Joplin, the others, Big Bopper and George Jones and but it also was the birthplace of Texas State Optical. And they grew a network of privately owned they owned them all over 300 locations throughout Texas, Mexico, Oklahoma and Arkansas, Louisiana and and then in the early 70s, they sold it to a pharmaceutical company, ironically, the same one that I had worked for when I was calling on western Kansas. But when they sold it, it got converted to a traditional franchise model, and it stayed that way until the franchisees purchased it in 2001 when we I was involved, and we turned it into a brand license business, taking that iconic license that had been around Texas optical since the 30s, 1930s and and then turning around and licensing the use of that brand to young optometrist who wanted to own their own practice, but saw the use of that brand as kind of instant credibility, because a lot of people were familiar with that brand.   Michael Hingson ** 08:40 So what does it provide? What did one of the organization provide under the brand? Well,   John D Marvin ** 08:46 we use the use of the brand, and so you got immediate notoriety in terms of just people's awareness of it, but also we put together kind of a la carte menu of optional services and support and resources that licensees could either take advantage of or not, and it was a really hands off model. We didn't have any, and still don't have any operational control over the way business was done. We We influenced that through best practices and sharing of information, but certainly we didn't require have any requirements of the way that they would operate. Reality is most private practice optometrists operate pretty well, and so we were there to kind of coach and help, but mainly it was them using our brand name, which had a really strong consumer value to it.   Michael Hingson ** 09:44 And so what kind of changes when the franchisees all joined together and bought the company and so on? How have you and they changed it over the years.   John D Marvin ** 09:59 I. I think the biggest change from 1999 to 2001 when they bought it, and to this day, has been the culture of the company. And that is, you know, it's something of a franchise opportunity, yeah, and a lot of your listeners probably either own franchises. Thought about franchises, and you know, it might you and I spent the next year trying to decide we were going to own a franchise. And we'd go out and do all sorts of research, and we'd look into this one and that one, and what kind of industry we want, and we'd finally select one that we were really impressed with. Thought about for great opportunity. We'd pay our $50,000 franchise fee, and about the second or third day of owning that franchise, we would decide that these people don't know anything about this business that we're in, and there's just this inherent adversarial relationship that exists between a franchisee and a franchisor. Some for good reason, some just because of the independent, entrepreneurial nature of a franchisee. Well, when the franchisees owned the company, they owned the franchise, or that adversarial dynamic kind of left. And so now there's nobody to kind of blame except yourself, and people are inclined not to do that as much. And so there was a greater tendency to kind of work together, work through things, come up with solutions to problems or resources that were needed. And it just created a much more homogeneous type of culture, and to the point where our annual meeting we host every year is referred to as our family reunion. And so we gather everyone together. It's really an atmosphere of all of us being as one family, sharing the same kind of core values, and all out to do the same thing, and that is just provide great quality eye care for our communities. And so that, that is a big change. Of course, there's always the things like collective purchasing, education and training. The main difference in those areas are engagement. When you are asked by a franchisor to engage in certain activities, there's that inherent reluctance to do that in our organization. There's an inherent acceptance of it because it comes from a colleague, it comes from others and doctors are more leading doctors than they are being led by some set of suits someplace in the Northeast.   Michael Hingson ** 12:50 Yeah, and that is such an extremely important thing to be able to really make it a family, a disciplined family, but still a family nevertheless, which is kind of cool. I'm curious about something being blind, and having been blind my whole life, and involved with blindness consumer organizations, one of the things that we have found often is that most people in the eye care industry, primarily in the ophthalmological industry, which is kind of a little bit more relevant to us, but tend not to really have a lot of knowledge about blindness and blind people. And so, for example, there are so many stories of a person going into the office of an ophthalmologist, for example, maybe they're losing their eyesight, but the ophthalmologist examines them and for whatever reason, will say things like, you're going blind. I'm sorry, there's nothing I can do, and walk out and never provide any other kinds of resources or knowledge to help the person who's losing eyesight. I don't know whether you see that, given where you are or what your thoughts are on that, but I'd be interested to get your thoughts because it seems to me that there's a lot of opportunity to do significant education about blindness and low vision to recognize that the reality is, blindness isn't the problem. It's people's attitudes traditionally that are the problem.   John D Marvin ** 14:28 That's an excellent point. Mike, I you know my first thoughts are the profession of optometry is really involved in preventing right blindness, and so it's kind of one of the few areas of healthcare that is more prevention oriented than other areas. Most areas are treatment oriented. In other words, you become sick. And then we treat you right, and the profession of optometry is all about we talk to people all the time about protecting your vision and preventing problems from happening. Now, as we see patients that end up either through glaucoma or some form of pathology, retinal issues, start to lose their vision. There comes a point early in that process where they are, frankly, they are outside of the scope of care that an optometrist can provide. So they end up being referred to an ophthalmologist. That being said, there are several optometrists across the country that have decided to devote themselves to low vision, and that's kind of a form of blind and what I would call blindness care, and where it's not complete, there is some level of vision there, but it needs a lot of enhancement, either through equipment or through other types of therapeutics practices. And there are optometrists who say, I'm not going to sell glasses. I'm not going to focus on contacts. I'm going to just provide a low vision clinic. And they're not not there's not a large number of them, but there are some, and what I've experienced in that is it does take a particular type of practitioner to be successful with that. And when I say successful, I mean, to be able to establish the type of patient doctor relationship that actually produces some really positive outcomes and helps people better manage their loss of vision, either whether that's progressive and eventually will become complete, or whether It's stalled at a point where they just cannot function without special aid, like I said, equipment, or some type of therapeutics. And there's just not a lot of people go into Optometry for the refractive side of things, and and so there's, there's not that motivation, really, to learn much about it. We do as an organization. We're very involved with prevent blindness as a national organization, and we'd also have some involvement with low vision clinics that are in the Houston Medical Center. But outside of that, you're right. There's not a whole lot of folks that understand it, probably, or maybe it's just they don't have the patience for it, because it does require a different kind of patient care approach, even   Michael Hingson ** 17:55 so what I wonder is, if there is an opportunity, maybe to provide additional education, so that if your your franchisees, for example, encounter a person who's losing eyesight and they and they realize that that they can help refer them to sources or resources that can assist because part of the problem is that, typically in society, blindness is viewed as such a horrible, devastating thing. And I understand that eyesight is a very wonderful thing, and people want to have it, but the reality is for a variety of reasons that doesn't work for everyone. The problem is that we have so much fear of blindness that we don't tend to deal with and I just wonder if there might be a way to provide some sort of a system or program that would help teach your people that blindness isn't really the end of the world, which is not to say, don't try to prevent it if you can, but when you can't, you can also be an additional source. To say, here are places where you can go, or here are some things that you can learn.   John D Marvin ** 19:16 Well, I do think that it's important, and I'm aware of many, keeping in mind that our members who own locations that use our brand are independent, we have provided them local organizations, clinics, things like that, which help them in referring people that need that kind of help and in education, I think also an important factor is that it's not just the patient that can use that it's the patient's family, because it, while it's perceived as something that you know you. I know that people value their sight, and the thought of losing it and becoming blind is is frightening the individual, but it also is frightening and disruptive to family, who father, mother, wife, husband, son or daughter, to deal with the changes in lifestyle that are required to accommodate that. Loss of vision is significant. You mentioned you've been blind since birth, and that's certainly one group of people, but there's an awful lot of people that end up experiencing blindness when they're in their 30s or 40s, after they've had a large portion of their life with vision. And it's, I don't want to say it's easier by any means. I first of all, I have no right in even suggesting that, but it's a different experience, for sure, not ever having had vision, versus having had it for a number of years and then losing it. And sometimes it might be as scary and frightening for the family around that person as it is the patient themselves. And so we do place a high value on getting people the kind of help and resources they need to better adjust to those changes.   Michael Hingson ** 21:28 Well, when I was born, I actually became blind because of what we now call retinopathy or prematurity, which originally was retro enterofibroplasia, which is harder to spell, but I love the term anyway. At about four months of age, it was discovered that I was blind, and the doctors told my parents they ought to just send me off to a home, because no blind child could ever grow up to be a contributor to society, and all I would do would be a drain on the family and then later on society. And my parents were very unusual in taking the stand that, no, you're wrong. He can grow up to do whatever he wants, and we're going to give him that opportunity. And that was, and really to a very large degree today, still is, a very unusual attitude to take, because we fear blindness so much, and while I appreciate the reality of eyesight is very important for most people, what I would love to see are ways to create more of an understanding so that People understand that blindness isn't the end of the world, and that's what what we see all too often in society in general, which is unfortunate, and you're right. I don't know whether it's easier if you're blind from the outset or become blind later in life. I know any number of people who became blind later in life, who went to programs where philosophically, they were taught blindness was not a problem, and they learned that they could continue to be contributors to society, and they tend to intend to Do that, as opposed to many others from both camps and from birth or not who never understand. Blindness isn't going to be the end of the road if people let it be. So it's it's just one of those conundrums that we end up having to deal with on a regular basis.   John D Marvin ** 23:38 The name of your podcast dealing with mindset, right? A lot of it is exactly that. And if you're find yourself in a you know, the child who's born blind can either have a support system and family and parents that impact his his or her mindset in a way that creates the expectation and understanding that it it doesn't have to be limiting. And same goes with someone who's blind later in life, right? It's a matter of how you look at and decide for yourself. I mean, we all know people that, whether it's a loss of a one of the most five senses, the important senses, sight or hearing, so forth, there is a natural mind. There's one set of mind people that have a mindset that, oh, poor you. Now you've got insurmountable challenges in your life, and this is going to be difficult the rest of your life. And then the other mindset that many parents have recognizing their opportunity they have with their child is to say, yes, that's you. But that doesn't have to define you, that doesn't limit you. You can overcome those things and and I think that that is even in our business, where you have someone who comes into the office and through some type of diagnostic testing, it's determined that they are losing their sight, and that the natural outcome of this progression of pathology will be the total loss of sight. We have the opportunity there, at that point, to affect their mindset, yeah, and to either tell them this is a circumstance that will not limit you or define you, and here are some resources and education materials and opportunities in that area that can help you better understand what you're living with and how that you can overcome that, just from the census standpoint, because It doesn't have to be something you have to overcome in life, per se. It just has to be an accommodation you make, because you can't see when other people can right. And it is all about mindset.   Michael Hingson ** 26:13 It is all about mindset. No doubt about it, you're absolutely correct in that regard. And it is, it is something that we'll all be dealing with for a while, but hopefully over time, the mindset of people will change to recognize that there are always alternatives. Being a Star Trek fan, I love Spock and Kirk who are always talking about there are always options, and there are always ways to get around doing things or to accomplish things that you might not think about, but you have to be multi dimensional in your thought process.   John D Marvin ** 26:52 Well, the other exciting aspect of all of this is the the fact that those with growth mindsets are working diligently on technologies that can actually supplant the deficiency and come up with ways to correct blindness. And so there we may even, in our lifetime, live to a point where the pathological condition that you were born with doesn't have to be permanent. It can be reversed using technology that provides you with as good, if not better, vision than people who weren't born in that same situation.   Michael Hingson ** 27:33 Yeah, the only people who never will come out of it are politicians, because they take dumb pills when they become politicians. So we can pick up them.   John D Marvin ** 27:40 Well, listen, just you could be blind and still be able to see, right? Yeah, that   Michael Hingson ** 27:47 leaves them out. Yeah. No, I understand. I understand they're fun to pick on. But you what? What really made you decide to go into the eye care industry, into that, that whole environment, what, what attracted you to it, or was it just sort of so natural? Well, obviously, that's a mindset. Yeah,   John D Marvin ** 28:10 there's a couple of things. Think the thing that attracted me to kind of eye care in general, and put ophthalmology and Optometry in the same bucket for this. What attracted me to was this whole area of health care that I kind of grew up in with my father and family practice in a small town. Because, you know, my family practice in the 60s and 70s was a whole different discipline than it is today. Oh, I know, you know, especially in a small town where the closest specialist, if you would, is 90 miles away. And so my father had to be what we call today, functionally, you know, a functional medicine, meaning that he had to be able to kind of treat the whole person. I mean, he used to be very proud of the fact that a large percentage of the kids that were in the school that I grew up in, he delivered and so, you know, there was no obstetrician in this small town. So if a woman became pregnant, then he provided her prenatal care. He gave, he delivered the child, and then he gave the provided the pediatric care afterwards. And so having that sense of kind of the global care of of someone kind of gave me a real appreciation for the kind of the system, the the systemic aspects of health. And when I was given an opportunity to get into the eye care business. Because I saw it more as getting into the healthcare business, and even though it was very narrow, defined in eye care, it gave me a connection. And I I'm a big believer that you start down a path and you follow it. And what maybe forest and trees and gardens, they may turn into desert or mountains or valleys or otherwise. So when I started, I really didn't know necessarily where it would go. And I guess you could even back it up and say that my whole entry into the pharmaceutical industry kind of started me down that path and and then that led to being in the practitioner side, which ultimately led to going from ophthalmology into Optometry. I frankly think that all of that background best prepared me to do what I'm doing today, and understanding the whole system of eye care, not just refractions and glasses and contacts, right?   Michael Hingson ** 31:11 Well, you know, and you started out in in the whole marketing world, as opposed to going off and becoming a doctor directly, which which gave you a different perspective. So it really makes sense as to what you're saying and it but you've had exposure to both sides, and that has to really help you in terms of doing the job that you've chosen to do.   John D Marvin ** 31:38 Yeah, I think you're right. I remember having the discussion with my father because as I was like a junior in high school and, and as most juniors you know, you start thinking about what you're going to do when you graduate high school and, and I was graduating high school at a time that I had a draft number given to me, there was a war over in Vietnam that was still going on, and so I, you know, there for a period of time, I didn't know whether I would even have a choice. Yeah, it turns out by the time I actually that last year between junior and senior, the war had really started to wind down. And while I got a draft number, it was very high, and the likelihood of me actually being drafted into service was very low. And so I made some decisions about what I was going to do post high school, and I remember having the discussion with my father about would he be disappointed if I decided I didn't want to be a physician? And he assured me that he wouldn't be disappointed, but he was curious as to why I was not interested in doing that, and I told him, I said, just to be candid, I don't know if I want to work as hard as you do, because at that time, I had spent many Christmases with him, not at home, even though, our town, I mean, you could almost walk to the hospital. Our Town was small enough that, but he was taking care of people in the hospital on Christmas Day or delivering a baby on Christmas Day, and he just, you know, it was clear that in that profession, the way he practiced it in those days was that the patients came first, and the family understood that. And we were all in the doctor business to in that respect, and this whole concept of work life balance was, you know, no one looked at things like that. I mean, everyone understood that this was a commitment that had been made, and it involved the entire family. So I told him, I said, I don't know if I'm willing to do that or not. And so I thought at that time, I decided that I was going to pursue a career in theology, and so that determined where I went to school. And about after my first year in school, I the university I had chosen, their whole theological department was more pastoral, and I wasn't interested in that. I was more evangelical. I was more interested in being an evangelist and and so I not having that in front of me. I decided that it switched to a marketing degree. And it turns out that to be a pretty good evangelist, you got to be a little bit of a marketing person yourself. Anyway, true. So, so I ended up going down that path.   Michael Hingson ** 34:53 Well, I would say if you had chosen the pastoral approach, you would have been working just. Just hard as a doctor. Oh, very much. So, yeah, but I guess I would also ask this whole issue of not working as hard given what you do today, how's that working out for you? Well,   John D Marvin ** 35:14 those were words of a very naive young guy. Yeah, because I didn't take I didn't understand the fact that if you're going to accomplish anything, it's going to require hard work, and you need a family that understands what your what your passion is, and what you've decided to do, and because it is, I mean, no one builds a career by themselves. They they build a career with the involvement and support of other people, and if, if they, if those beliefs aren't aligned, then you're going to end up in conflict and be constantly be torn between what it is you believe you're wanting to do with your life, versus your obligations, your other obligations. And put it   Michael Hingson ** 36:04 that way, well, you've been involved in the whole mindset and activity of being a business leader for a long time. What kind of key lessons have you learned along the way about personal growth?   John D Marvin ** 36:21 I think the thank you for that question. I think the one thing that I have learned, that I've tried to pass on to people is start, begin we I think that we naturally have this reluctance to take risk, because we don't want to fail at anything and and so we kind of take the approach that, well, if I want to pursue something, whether it be personal development or growth or even some profession, I need to know everything there is to know about it before I start it. And that is just not true. The only way you learn is by starting I have a friend and acquaintance who his career and his profession is leading people on climbs of Mount Everest. So that's his job. If you want to climb Mount Everest, I can hook you up with a guy that will help you do it. And it's a fascinating profession that he's in. And I asked him one time, how do you learn how to climb mountains. You know, how do you learn this? He said the only way to learn how to climb mountains is by climbing   Michael Hingson ** 37:46 mountains. I was gonna say, to do it, yes. And   John D Marvin ** 37:49 so I think the number one thing is to start. And if you're committed to it and you start, you'll figure it out. The rest of it, because there are no failures, there's maybe a setback or two, but as long as you keep focused on where you want to be and moving forward and getting better and learning, you'll figure things out. And I think so personal growth is really a decision and a commitment to continual learning, continual improvement and and you're never too late to get started. It's never too late, even if you're at 80 some years of age and maybe limited health wise, you can still start because there's so much, there's so many different resources today that are available to people. I mean, I got an iPad Mike, that's, I bet you I've got three 400 books on it. And, you know, used to be you couldn't have three or 400 books without a library in your house. Now you can have one iPad on a memory card. And I was just, I had a doctor's appointment earlier today, and while I was waiting in the reception, I pulled out my phone and I started reading a book that I'm reading, you know, and I had, didn't have to carry the book The lot of people do, lot of people have, but I was able to do that. And then there's what's available in terms of resources, of books to read are just unlimited. So I think that there's, there's all sorts of opportunities, just a matter of getting started and doing it. Second is consistency. Everybody can start. Few people can be consistent, or few people are consistent. We all know the classic, never if you're if you're someone who goes to a gym and works out, you know. Avoid that gem the first month of the year in January, because it is overrun with people who are starting their new year, and then by February, you also know that you're back to normal, because most people don't stay consistent. So starting and then becoming consistent are the two things that are probably most important, that I've learned   Michael Hingson ** 40:25 well, and that kind of leads to something I was thinking about, and that is the connection between mindset and long term achievement. Because it would seem to me that, as you point out with the gym, the people who create the mindset that I'm going to do this and really decide that that's what they're going to do, are more likely to have analyzed it and made that decision intelligently and then we'll stick with it, than people who just go off and say, I'm going to do it, but really haven't established A mindset, right?   John D Marvin ** 40:59 That's exactly true. And you know, people tend to focus on volume as opposed to continuity. And what I mean by that is people go to the gym and they they put all this intensity into the first day they haven't worked out in weeks or months, or even maybe a few years, and then the next day they're so sore they can't get out of bed and they can't so they decide they're going to take the next day off rest, and then that turns into a week off. And I'm a student of John Maxwell, the author, and he talks about what he calls the rule of five, and he illustrates it by saying that if you have a tree in your backyard that you're wanting to take out, you can take an ax and you can go out there and you can swing that Ax five times, and put down the ax and come back tomorrow morning, hit it five times. Come back tomorrow morning, hit it five times. And over a period of time, that tree will come down, or you can go out there and just try to chop and chop and chop, and that tree will defeat you, because you will run out of energy and you'll be too tired to finish it, but if you'll just be consistent over a time with the rule of five, and he talks about it in any profession, if you want to get good at it, figure out what are the five things you need to do every single day to grow in that direction and to accomplish what you need to accomplish. And so I think that you're right that over a period of time, long term success is not done through intensity. It's done through consistency. And he also says, you know, you're never going to change anything in your life until you change what you do daily? And that is very, very true.   Michael Hingson ** 43:09 I know I haven't really been the greatest at doing a lot of exercising and so on, and a lot of walking, and especially here in the winter, it gets really cold, and so I tend not to do it. But what I figured out, actually, a couple of years ago was we have a wonderful, great room with an island in the middle of it, and I will just put on a book and listen to it and do laps around the bar, and I'll get up to 10 and 15,000 steps a day just walking around the bar. Now it's not going uphill and downhill, but still a lot of good exercise. And I find that not only does that work, but I enjoy it, because I get to read at the same time or do other things. Of course, my dog probably thinks I'm nuts, and my cat, my cat avoids me. But by the same token, you know, it is exercise, and I found that I have no problem really doing that every day, absolutely.   John D Marvin ** 44:12 And you know, we we live in a gym, yeah, and whether it's your room, your great room with an island, or whether it's a backyard or your neighborhood, we lived in a gym. I think that was illustrated in one of the Rocky movies really well when he was held up in northern Russia and just worked out using the materials that were with him. And so there really is no excuse to doing something, and doing something is better than doing nothing at all, and doing something every day will deliver unbelievable results over time.   Michael Hingson ** 44:59 It's a. All about establishing the mindset. Yes, it is. Well, you know, you've done this work for a long time. What kind of advice would you give to people starting out to help them get the mindset and achieve what they want to do with their goals?   John D Marvin ** 45:19 Well, first of all, I think developing and writing a personal growth plan, and I mean writing, setting down and starting, for instance, I made a decision several years ago that I wanted to get better at communication. So that was a decision. And the side of all the things that I wanted to try to commit to developing or growing in or learning, I picked communication. Why did you want as one of it? Because I felt like it was extremely important that you never accomplish, or I didn't believe that I was going to accomplish what I wanted to in life without the ability to communicate well with others, whether that be my spouse or whether it be the people I work with the customers I serve. I wanted to be good at communicating. I wanted to become good at that. I also had a friend tell me one time said, you know, if you will read five books on any subject, you'll know more about that subject than 99% of the people. And so I decided, Okay, I'm going to find five books on communication, and I'm going to commit myself to reading those over the course of the next year. And I just, you know, went out and started trying to determine what are really good books about communication. Some of them I kind of knew, like How to Win Friends and Influence People. That was one that I knew. Okay, I'm going to put that one on the list. Now I need four more, and one of them I knew that John Maxwell had written. So I you know, everybody communicates, but few people connect, and I said, Okay, I'm going to be another one. So I just kind of put together my little library of five books, and I started so I had developed very narrow and limited, but I had developed my own personal growth plan as relates to communication. So as I would tell my grandson, or I would tell a friend, if you want to start on developing a mindset and developing personal growth, sit down and make a plan for what you're going to do. And it's interesting, because if you'll ask people, tell me about your and I do this with people who work for me, and when I'm hiring, tell me about your personal growth plan. What is your personal growth plan? And you know, most people don't even know what I'm talking about, so they start making stuff up, and it becomes real obvious that they don't have one. From my employees, I require that as a part of their job and their annual performance review, we go over their personal growth plan. I want them to become more valuable over the course of this next year, because to themselves, because if they do, then they become more valuable to the company, right? And so I would instruct somebody to sit down and start and make a plan and identify something you want to be better at and and start growing in those areas that that described as starting with communication, has grown now to seven different areas in my life, and I've got at least five, in some cases, more books in each of those areas. And so I've got a very busy personal growth plan that I I work on each year.   Michael Hingson ** 49:12 Do you find that, as you read books on these subjects, as you're dealing with your personal growth, that in reality, you know a lot of the stuff already, at least to a degree. But by the same token, reading what others have written tends to drive the point home a whole lot more. And I ask that from the standpoint of common sense.   John D Marvin ** 49:40 Well, I think so. I mean how to win, which   Michael Hingson ** 49:42 doesn't mean that you don't learn things from the books, but, but a lot of it is, is stuff that you Intuit   John D Marvin ** 49:50 Yeah, I think that you know, a great example that comes to mind is How to Win Friends And yes, people that book, if you read it, it's like, well, yeah, naturally. Of course, but if you read it and you focus, you know, if you read it with the attitude, I want to learn something from this, then you begin to internalize what you're reading. And as you internalize it, you develop more cognitive, a cognitive awareness of it. And what I find super interesting is that book is on my list every year, so I commit myself to read that book every year. So now you know, this year will be probably my 15th, 16th time reading it. What I find fascinating is, I'll read the same chapter I've read, and I'll learn something new, something new, yeah, each time. Because, much like the saying about you can't step in the same stream twice, because it's not the same stream and you're not the same person. Same goes with reading material. You can read that book a second time, and you'll get something out of it, because you're not the same person that you were the first time you read it. And as you mature in your understanding, you get more knowledge out of the reading. Yeah.   Michael Hingson ** 51:17 Which? Which makes perfect sense, which also says a lot about the quality of the author. But you're right. You will always, if you look for new things to learn, you'll find new things to learn absolutely, which is what makes it so cool. And I I tell people all the time, and I'm not sure they always understand it. If I'm not learning at least as much as anybody else by being involved in this podcast, then I'm not doing my job. Because I believe every episode gives me as much, if not more, of an opportunity to learn as guests or all the people who listen, which is why I think it's so much fun, because I think that learning is as fun as it gets.   John D Marvin ** 52:05 It is, I mean, you're absolutely right, you know, they also, there's a you never learn anything quite as well as when you have to teach it, yeah, you know. And in a way, by hosting a podcast, your your preparation for it, you're setting down, your concentration on it forces you to absorb from every interview that you do, and you can't help but walk away with being different than it was when you sat down to start it. Yeah,   Michael Hingson ** 52:42 one of my favorite books is a science fiction book written by Robert Heinlein. It's called the Moon is a Harsh Mistress. And I don't know whether you read my science fiction. I   John D Marvin ** 52:52 don't, but that sounds interesting. So   Michael Hingson ** 52:54 the basic premise is, it takes place in 2075 there's a hint, and it's all about the moon, which is being controlled by the lunar authority on earth. And it really parallels the American Revolution. The difference is that a computer on the moon, as they put it, wakes up and helps in doing the revolution that eventually gets Moon free from the earth, but one of the major characters is Professor Bernardo dela Paz, who is a teacher. And one of the things that the that the storyteller describes on a regular basis is how Professor dela Paz can teach on basically any subject, as long as he stays at least one lesson ahead of the people who he's teaching, which often does. So he teaches so many different things, but all he does is works to stay just a little bit ahead of the people that he's teaching, so that he can go back and teach it, and of course, as as you and I would say when he's teaching it, he also learns a whole lot more. But I think it's such a clever book.   John D Marvin ** 54:11 It sounds like it science fiction, but if I if that, when that strikes me that'll be one I put down to read.   Michael Hingson ** 54:23 I think it's the I believe it's high lines better. His best book. A lot of people talk about another one called Stranger in a Strange Land, which is about Mars and the earth. But I think that the Moon is a Harsh Mistress. Was his best book, most imaginative book, which is kind of fun, yeah, but you know, it's, it's, it's just one of those things that I've just it's always stuck with me that dela Paz did that well. So over the time, being the president and CEO of Texas State Optical, i. Uhm, how has that shaped or changed your your views on leadership? Because I'm sure you've, you've had lots to do and lots to think about. I'm sure it's had an effect on you.   John D Marvin ** 55:12 Yeah, I, I think the biggest impact has been it's, it's of what it's required of me in in developing my leadership abilities and deep and making those abilities effective towards an outcome. And let me try to shed on that I mentioned earlier. I'm a student of Maxwell, and Maxwell has a definition of leadership is influence, and and he said leadership is is influence. It's nothing more than that. And, and so at first I didn't know what that meant. And then, as he goes on to explain, and it makes sense, oftentimes, you will, the leadership is not a matter of title. It's not a matter of position. Leadership is influence and the ability to influence. And you can walk into a room and you will observe the group, and in one corner, maybe somebody that is obviously the focus of the attention of the others, and that person is exerting leadership influence. They may not be the may not have title, and they may not be in any position of authority over the others, but the others will follow that person, because that person has influence on them. And so I've in my understanding of that, and then trying to live that I've seen that develop in my own ability. And then I have to sit down and say, okay, if I'm going to be a leader of my team, my executives that will report to me, how am I going to provide that influence. And so you begin to break that down and try to figure out because everyone's different. I mean, I I have four people that report to me, each one of them, I will have to affect and influence those people differently. And it starts with understanding them. And so what it's done is it's helped me to really understand that principle that offered by Maxwell, and then how to incorporate that into my life, so that I feel now confident in my ability to be a leader of any group or situation I find myself in, and I've just agreed to accept a new responsibility in a trade association, and I have confidence that I can provide a strong level of leadership, not because I'm the smartest person in the room, but because I have the ability of providing influence over that organization or in that group through better understanding of others that I Have a position over, so to speak. But you know, it's like the best arenas to develop leadership is a volunteer organization, because that's the only way you're going to get anything done, is to have influence, because these people don't have to do anything that you say. And so oftentimes, if you have the authority, you misuse it, and you provide nothing in the way of leadership to a group. That happens all the time.   Michael Hingson ** 59:13 I think that too many, and I use the term in quotes, leaders, think that the whole idea is that they're the boss. Well, bosses are not necessarily leaders, and you're right. Leaders are not necessarily bosses. Directly. It is all about influence. And unfortunately, all too often, the people who have influence may not be the designated leader, but then the leaders or bosses get jealous of those people, which is also extremely unfortunate they don't get it.   John D Marvin ** 59:45 It's a it can be threatening if you're a boss and you've got people that are supposed to report to you and they're listening or being influenced by someone else who may not be. Intentionally trying to subvert the boss. It's just they, they're more effective in that and so that's threatening. And so oftentimes, given that authority, they misuse it. And   Michael Hingson ** 1:00:15 the good leaders, however, when they see that happening, will try to go and understand from in part, the person who's the real influencer, what it is that they need to improve on to be able to be more effective. But that happens so rarely, by comparison to the number of people who are out there.   John D Marvin ** 1:00:38 Yeah, it's too often politics, and I don't mean that in the government sense, but corporate politics determines positions of authority, and you end up with a bunch of very ill equipped people with an awful lot of leadership responsibilities, but lacking in any kind of real leadership skill,   Michael Hingson ** 1:01:02 yeah, which is something that we need to devote more time to teaching, but people also need to be willing to learn it, and that gets to be a challenge. Well, I have to tell you, this has been fun, and I know you have other things to do in the course of the day and enjoying the weather down there, so I want to let you go, but I really have enjoyed having you on and I've enjoyed all the different insights that you've brought. So I really appreciate you being here to do all of that. So maybe we'll have it again. That would be kind of fun.   John D Marvin ** 1:01:41 Well, my I've thoroughly enjoyed this as I mean, you make it so easy to visit. You're You're a tremendous host and good interviewer, good questions. You threw a couple at me there that I had to really stop and think about. And so anytime you'd be willing to have me back. I'd love to join you again sometime.   Michael Hingson ** 1:02:02 Well, I want to thank you, and I want to thank all of you for listening and watching us today. We really appreciate you being here. I'd love to hear your thoughts on today and what we've talked about. You're welcome to email me. It's easy. It's Michael, M, I, C, H, A, E, L, H, I, at accessibe, A, C, C, E, S, S, I V, e.com, or go to our podcast page, which is at www dot Michael hingson.com/podcast, and Michael hingson is spelled M, I, C, H, A, E, L, H, I N, G, S O, n.com/podcast, if you know anyone else who you think ought to be a guest on our podcast, love to hear from you. We're always looking for more people to chat with. And in part, my motivation is I want to learn too. But the more people who come on, the more people we get to learn about who themselves are unstoppable. So please don't hesitate to refer people to it. And you know, John, you as well. We really value that wherever you listening, give us a five star rating. We value that. We appreciate your ratings and and love them. But once again, John, I want to thank you. This has been absolutely fun, and I'm glad you came   John D Marvin ** 1:03:13 well. Thank you. Thank you very much.   Michael Hingson ** 1:03:20 you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Studies determined that at least one litigant does not have a lawyer in 75% of civil cases in the United States. The number is even higher when it comes to family law, domestic violence, housing, and small claims matters. But organizations like Oregon's Commons Law Center are doing something about it. On this episode, Kamron Graham, the Law Center's Executive Director, talks about the not for profit law firm's efforts to provide affordable legal assistance to people that make too much to qualify for legal aid, but don't make enough to hire a lawyer. The Commons Law Center helps out people facing evictions, have family law issues or need help with wills and estate planning. Kamron initially planned to pursue a career in finance but pretty quickly figured out that her empathy and concern for others probably might not jibe with a Wall Street career. After returning to Oregon after college in the Northeast, Kamron started her career working in group homes, homeless shelters and served a stint with the United Way. These experiences made clear to her that a professional degree might help her have a greater impact on people's lives and give her even more of an opportunity to use her education to help others. So, in her 30s she decided to go to law school.  After law school continued her career helping the underserved, including work for Legal Aid Services of Oregon and work as a public defender. Eventually she landed at the Commons Law Center, starting as a tenant defense attorney and ascending to the role of executive director.  The business model of the Commons Law Center is not free legal work, but charging a sliding scale fee based on a client's income. Currently 70% of the firm's budget comes from fees. The firm is working to become 100% self-sufficient, but in the meantime to fill the gap, the firm leverages tech to streamline their processes and keep costs down. It also relies on donors, foundations, and grants.  Learn more about Kamron.

The state auditor's office found administrators at Isanti Community Schools spent more than $300,000 in questionable purchases, including golf equipment and memberships, gift cards and a senior trip to Florida.

For over five decades since the Liberation of Bangladesh and the 1971 India-Pakistan War, the Indian state has had to pay a heavy price to protect the fabric of its democracy and its basic geographical structure in the face of a multiplicity of national security threats. These threats have ranged from constant pressure along its Northern and Western borders from nuclear-armed adversaries, several internal fissures and cracks in Punjab, J&K and the Northeast and a festering problem of Left-Wing Extremism (LWE) across several states. Complementing these internal and border security challenges have been challenges in the neighborhood that have precipitated the deployments of India's military such as in Sri Lanka and Maldives in the late 1980s. Air Vice Marshal Arjun Subramaniam, former fighter pilot and accomplished military historian, explores war and conflict in contemporary India in his latest book, Shooting Straight: A Military Biography of Lt Gen Rostum K. Nanavatty. Moving beyond the traditional discourse of the 1965 and 1971 wars, the book examines modern military challenges through the lens of one of India's most distinguished post-1971 Army commanders. From leading para commandos in Sri Lanka to commanding formations in Siachen, Baramulla, and the Northeast during key crises, and later serving as Northern Army Commander in the aftermath of the 2001 Parliament attack, Nanavatty gained a frontline perspective on hybrid and ‘grey zone' warfare—topics highly relevant today. Joining AVM Subramaniam in a free-wheeling discussion on the changing character of conflict over the past few decades and its implications for India through the lens of Gen Nanavatty is military historian Probal Dasgupta. The discussion will be followed by a Q&A session with the audience. In this episode of BIC Talks, Arjun Subramaniamn will be in conversation with Probal Dasgupta. This is an excerpt from a conversation that took place in the BIC premises in March 2025. Subscribe to the BIC Talks Podcast on your favorite podcast app! BIC Talks is available everywhere, including Apple Podcasts, Spotify, Google Podcasts, Castbox, Overcast, Audible, and Amazon Music.  

In this episode of Supply Chain Now, hosts Scott Luton and Tandreia Bellamy welcome Bobby Holland of U.S. Bank and Dr. Jason Miller of Michigan State University for a data-packed discussion on what's really happening in the U.S. freight market—and what it signals for supply chain professionals moving into Q2 and beyond.They explore the Q1 2025 U.S. Bank Freight Payment Index, revealing surprising drops in shipment volume, regional disparities, and the ongoing impact of unpredictable weather. Jason and Bobby break down trends in key sectors like manufacturing, retail, and automotive, while Tandreia shares how shifts in freight data should inform cross-functional planning across finance, logistics, and operations.From capacity crunch risks and rising costs to resilient regions and unexpected market drivers, this discussion offers actionable insights for anyone navigating today's freight economy. The panel also looks ahead at what to watch in Q2—from new tariffs and raw material price spikes to changing consumer demand and the importance of regional signals.Jump into the conversation:(00:00) Intro(00:52) What the Freight Payment Index reveals(03:09) Meet the guests: Bobby Holland and Dr. Jason Miller(07:17) National freight trends and shipment volume drops(12:56) Weather, retail slowdowns, and sector variability(13:34) Q1 2025 regional breakdown begins(18:03) West region: port activity, wildfires, and aerospace recovery(21:29) Southwest region: historic shipment decline and high costs(25:46) Midwest region: housing, auto, and weather impact(29:02) Northeast region: retail growth and import uptick(32:47) Southeast region: flat manufacturing and tourism concerns(36:08) What to watch in Q2: Fed data, tariffs, and vehicle sales(40:21) Holiday toy season predictions and trade timing(43:13) How to access the Freight Payment Index and connect with guestsAdditional Links & Resources:Download the full Q1 2025 U.S. Bank Freight Payment Index: https://freight.usbank.comConnect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/Connect with Dr. Jason Miller: https://www.linkedin.com/in/jason-miller-32110325/ Connect with Tandreia Bellamy: https://www.linkedin.com/in/tandreia-bellamy-56b49959/Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkThis episode was hosted by Scott Luton and Tandreia Bellamy and produced by Amanda Luton For additional information, please visit our dedicated show page at: https://supplychainnow.com

The political landscape has undergone a seismic transformation over the past three decades, and few understand this evolution better than Eric Lems. From his early days as a White House intern during the Clinton administration to his current role as Executive Director of the Maricopa County Democratic Party, Lems offers a rare perspective on how technology has revolutionized campaign strategy.Remember when campaigns meant phone banks with physical landlines and CNN dominated the 24-hour news cycle? Lems walks us through the remarkable journey from those analog days to our current era of sophisticated data analytics and targeted digital media. He explains how Howard Dean pioneered online fundraising, Obama mastered internet organizing, and Trump revolutionized digital targeting—creating the integrated approach campaigns use today.What makes Maricopa County so politically significant? As the fourth largest county in America and second largest voting jurisdiction, Maricopa stands alone among major metropolitan areas as a true battleground. With nearly 5 million residents spread across diverse communities ranging from wealthy gated neighborhoods to farmlands, winning here is essential to winning Arizona. Lems reveals how migration patterns from the Midwest, Northeast, and California have gradually transformed the state from reliably Republican to competitively purple.Drawing from his Fortune 500 background at Microsoft and SAP, Lems shares how corporate leadership skills translate to political strategy—and crucially, which corporate habits to leave behind. He emphasizes that trust forms the foundation of effective campaign teams, creating an environment where candidates can be vulnerable and weather disagreements. The most valuable lesson from his 2016 Clinton campaign experience? "Never take victory for granted and keep your foot on the gas until you cross the finish line."As concerns about election integrity dominate political discourse, Lems provides reassurance by revealing the bipartisan verification process that occurs before every election and the dedicated civil servants who ensure fair results regardless of personal political views. He warns that the real threats come through legislative efforts to restrict voting access—making vigilance and participation essential to preserving our democratic system.Ready to get involved or learn more about local organizing? Visit maricopadems.org and discover how you can make a difference in one of America's most consequential political battlegrounds.Support the showThe Jack Hopkins Now Newsletter https://wwwJackHopkinsNow.com

In this week's episode of Tiger Talk, join Northeast Mississippi Community College President Dr. Ricky G. Ford and Marketing and Public Relations Specialist Liz Calvery as they delve into how each academic division and department is going over and beyond what many collegiate departments are doing to be innovative and impactful to the students. Ford talks about how each division and department, in its own way, is helping to impact student lives. From Career and Technical Education to the Vice President of Instruction's Office to the friendships and technology used in the Division of Fine Arts and beyond, Ford spotlights some of the emerging technological usages by the Northeast faculty and staff and how it helps to make the college one of the top community colleges in the nation. Plus, stay updated on the latest in athletics, academics, workforce development, and more at one of the nation's premier community colleges. For those who may have missed an episode, all Northeast TigerTalk episodes are archived at https://nemcctigertalk.simplecast.com.--NEMCC--Information about Northeast Mississippi Community CollegeNortheast Mississippi Community College is a leading educational institution that provides comprehensive academic, technical, and workforce training programs to empower students and promote lifelong learning. With a commitment to excellence, Northeast Mississippi Community College fosters a supportive environment that prepares individuals for success in their chosen fields.For more information about Northeast Mississippi Community College, visit http://www.nemcc.edu.

Did you know that urban planners inadvertently created allergy hotspots by favoring male trees in city landscapes? This episode of ImmunoCAST takes listeners on a cross-country journey, exploring how allergies manifest differently across various US regions. We address the challenge of identifying and managing region-specific allergens, from urban environments to coastal areas and the heartland. Topics covered include the impact of imported fire ants in the Southeast, the prevalence of dust mites in humid climates, and the surprising connection between birch trees and peanut allergies in the Northeast. We also delve into the emerging concern of cannabis allergies in the Midwest and the unique "cedar fever" phenomenon in the Southwest. The episode concludes with practical insights on diagnostic approaches and the importance of considering both allergic and non-allergic triggers in patient evaluations. Episode references and resources available here: https://www.thermofisher.com/phadia/us/en/resources/immunocast/allergy-triggers-treatments-across-america.html

Welcome to the daily304 – your window into Wonderful, Almost Heaven, West Virginia.   Today is Wednesday, May 28, 2025  Step back in time to relive major events and meet the famous people who shaped West Virginia in The History Project…Commercial Metals is investing in Berkeley County and West Virginia with the launch of its $450 million facility…and the WV SBDC leads an initiative to increase access to affordable childcare…on today's daily304.   #1 – From THE HISTORY PROJECT – Perfectly centered among the Eastern states, West Virginia is where the thresholds of the North, South and Midwest all converge with the Appalachian Mountains to tell the history of our nation in microcosm.  Major events like the Revolutionary and Civil wars, and famous people ranging from Daniel Boone to Katherine Johnson, mix with the rich heritage of Native Americans and men and women of all colors who reshaped the world and serve as guides through the American story. Tune in to The History Project -- the daily304's presentation of famous people, places and events that shaped West Virginia. Watch now: https://daily304.wv.gov/programs/the-history-project/   #2 – From WV DED – Commercial Metals Company is making a significant investment in West Virginia by constructing a state-of-the-art micro mill in Berkeley County. This $450 million facility will produce 500,000 tons of straight-length and spooled rebar annually. CMC chose West Virginia for its strategic location, offering efficient access to major metropolitan markets in the Mid-Atlantic, Northeast, and Midwest regions. Additionally, the state provides a welcoming business climate and a skilled, available labor force, making it an ideal location for CMC's expansion. CMC is just one of many manufacturers  that have said #YesWV. Visit West Virginia Economic Development online to learn more about thriving industries in the Mountain State.  Read more: https://westvirginia.gov/cmc-says-yes-to-west-virginia-building-a-state-of-the-art-steel-mill-in-the-mountain-state/   #3 – From WV SBDC – The West Virginia Small Business Development Center has launched a new initiative supporting childcare businesses in the Mountain State.  The project, “Childcare West Virginia: Building the Business that Supports Business,” is funded by the Appalachian Regional Commission's POWER Initiative and is in partnership with the West Virginia Workforce Resiliency Office and private childcare development firm Wonderschool. This initiative will increase access to affordable child care by establishing new profitable childcare businesses, helping existing childcare providers operate more efficiently and allowing employers to recruit and retain workers by offsetting childcare costs. View childcare industry resources and learn more at wvsbdc.com. Read more: https://wvsbdc.com/tools-and-resources/childcare-industry-resources/   Find these stories and more at wv.gov/daily304. The daily304 curated news and information is brought to you by the West Virginia Department of Commerce: Sharing the wealth, beauty and opportunity in West Virginia with the world. Follow the daily304 on Facebook, Twitter and Instagram @daily304. Or find us online at wv.gov and just click the daily304 logo.  That's all for now. Take care. Be safe. Get outside and enjoy all the opportunity West Virginia has to offer.

The Trump administration want to cut the Low Income Home Energy Assistance Program (LIHEAP). Advocates in the Northeast warn the results would be dangerous to residents, if not deadly.

Last week while walking across the Utah State University campus, I rounded the Northeast corner of the University Inn and suddenly found myself face to face with a giant stick figure made of steel tubing.

Episode 138 is on the scene and we are joined by NASCAR Whelen Modified Tour Star Craig Lutz. Lutz talks to us about his win at North Wilkesboro Speedway over a week ago and what he thought overall about the caution filled event that everyone is still talking about. We also dive into his background which started in Late Models while competing at some of the toughest places in the North East including Stafford, Thompson and Waterford Speedbowl where he won multiple races before running the Tour full time since 2014.Trackhouse Racing's Bobby Measmer Jr calls into the show fresh off winning at Bowman Gray Stadium in the modified division for the first time since 2018. He tells us whether or not this win as sunk in and the biggest thing that has changed at the stadium since he was a regular there years ago. He also reveals a story that hasn't been revealed anywhere else and reveals how long he has worked for Trackhouse Racing and what the shop was like celebrating Ross Chastain's Coca Cola 600 win. Landon Pembelton joins the show again but this time, he's coming off of a win South Boston Speedway during one of their twin Late Model events from over the weekend. Landon discusses his transition from driving for HC Sellers to Marcus Richmond and where he sees their connection at this point in the season. We give a full review of the SMART Modified Tour powered by Pace-O-Matic event from Franklin County Raceway. Everyone is discussing the dirt that was added when the facility ran out of speedy dry. We give our takes on that plus everything else that took place last Friday night. We preview the upcoming zMAX CARS Tour event from Langley Speedway. Will the hometown driver Connor Hall win this event for a third straight season for a third different organization? Can Landen Lewis win three straight? What about local star Matt Waltz who was fourth last season? We discuss it all here.We review the Coca Cola 600 and Ross Chastain's first crown jewel win and dissect how Amazon Prime did in their debut race as a provider. We also talk about the NASCAR Whelen Modified penalty being amended for Stephen Kopcik, our race of the week, picks for Nashville and more!All this and much more on another jam packed DLN!

Instacart names a new CEO. EG Group acquires nine convenience stores in the Northeast. And Canadian shoppers are taking a pass on U.S. groceries.

Episode Description: Jessica B. Harris may have been born and raised in New York City, but she has Tennessee roots through her father and has spent much of her life split between homes in the Northeast and the South – specifically New Orleans. For more than fifty years, she has been a college professor, a writer, and a lecturer, and her many books have earned her a reputation as an authority on food of the African Diaspora, as well as a lifetime achievement award from the James Beard Foundation. A few years back, Netflix adapted her book, High on the Hog: A Culinary Journey from Africa to America, into a 4 part docuseries. And I'm very proud to say that she's a longtime contributor to Southern Living with a regular column called The Welcome Table. This episode was recorded in the Southern Living Birmingham studios, and Sid and Jessica talked about her mother's signature mac and cheese, the cast-iron skillet she'd be sure to save if ever her house were on fire, and her dear friend, the late New Orleans chef Leah Chase.  For more info visit: southernliving.com/biscuitsandjam Biscuits & Jam is produced by: Sid Evans - Editor-in-Chief, Southern Living Krissy Tiglias - GM, Southern Living Lottie Leymarie - Executive Producer Michael Onufrak - Audio Engineer/Producer Jeremiah McVay - Producer Learn more about your ad choices. Visit podcastchoices.com/adchoices

Navigating Multifamily CRE in a Volatile Environment Insights from Paul Fiorilla, Director of U.S. Research at Yardi Matrix   Paul Fiorilla offers a data-driven view of today's commercial real estate (CRE) landscape using the vast resources he has at his disposal at Yardi.   While market sentiment may be growing more optimistic, Fiorilla acknowledges investors should separate short-term mood from long-term fundamentals. His perspective, rooted in close analysis of multifamily data and macro conditions, is both pragmatic and cautionary: yes, there's capital on the sidelines and deals are getting done but many investors may be misreading the durability of recent tailwinds and underestimating latent risks.   Short-Term Confidence, Long-Term Industry   Real estate is an inherently long-term, illiquid asset class yet, much of the current market behavior appears to be anchored in short-term confidence (and short term memories). That dissonance should give investors pause. While macroeconomic shocks like tariffs, interest rate hikes, and political uncertainty do not immediately register in quarterly CRE data, their effects compound over time.   Investor sentiment, meanwhile, remains buoyant. Debt markets have resumed activity, stock indices are back near prior highs, and many assume the worst is behind us. But the lagging nature of real estate data means we're still months away from fully seeing the impacts of recent fiscal and geopolitical developments.   Multifamily Fundamentals: A Shifting Landscape   Fiorilla addresses the fundamentals of the multifamily sector, noting that demand has remained strong in recent years, but the distribution of that demand is shifting. Rent growth is no longer universal. Over the past 15 months, metros in the Midwest and Northeast, markets like Chicago and New York, have consistently posted moderate, steady rent growth. In contrast, high-growth Sunbelt cities such as Austin, Atlanta, Nashville, and Salt Lake City are experiencing flat to negative rent trends.   What's driving this bifurcation is primarily supply. In oversupplied markets, absorption hasn't kept pace with new deliveries. Despite a sharp national decline in starts, down approximately 40% year-over-year, the existing pipeline remains heavy. Nationally, over 1.2 million units are either in lease-up or under construction. In high-growth markets, deliveries will continue at elevated levels for the next several years. Some cities may see 12–15% added to their multifamily inventory by 2027.   Fiorilla underscores that while national numbers suggest a tapering of supply, the local realities are more complex. Markets that arguably need more housing, Los Angeles, New York, and Chicago for example, are seeing similar slowdowns in new development as oversaturated markets. The result is a continued misalignment between where capital is building and where it's most needed.   The Waning Tailwinds of Demand   Fiorilla also points to softening demand drivers that may soon undermine current assumptions. Over the past several years, demand has been supported by several powerful tailwinds: robust job growth, high immigration, and pandemic-era trends such as household formation and suburban relocation. But these are now tapering.   Net immigration, while still meaningful, is slowing. Job growth has begun to decelerate. Moreover, federal employment cuts and delays in private-sector hiring – driven by political and fiscal uncertainty – are contributing to a weakening outlook for household formation. These are not necessarily signs of imminent distress, but they do suggest that the extraordinary absorption rates of 2021–2022 will be difficult to sustain.   As Fiorilla puts it, “the risks are to the downside.” He's not forecasting a collapse but cautions against overreliance on recent performance when underwriting future deals, particularly in light of ongoing supply pressure.   Policy Risk and the Fragility of Subsidized Housing   Among the more underappreciated risks in the market, Fiorilla emphasizes policy risk, especially in affordable and subsidized housing. He notes that while programs like LIHTC and Opportunity Zones appear safe, others such as Section 8 are under pressure.   Of particular concern are proposals to convert these programs into state-administered block grants. While this may seem like a technocratic shift, it would represent a material change for property owners. Federal guarantees would be replaced by varying state-level funding regimes, increasing payment risk and reducing the predictability that underpins underwriting in the subsidized housing sector. For owners reliant on these programs, even modest payment disruptions could be “catastrophic,” he notes.   Interest Rate Volatility: The Real Pain Point   Turning to capital markets, Fiorilla distinguishes between the level of interest rates and the pace at which they change. Today's rates, he argues, are not historically high. Pre-GFC, rates were often at similar levels. What's destabilizing is the speed of change. A sharp increase from near-zero to 4–5% within a single year has impaired refinancing feasibility and upended underwriting assumptions.   This volatility, not the rates themselves, has created most of the current distress. Borrowers facing refinancing at double or triple the prior coupon are under strain. And yet, transaction activity persists, with many deals still pricing at thin or even negative leverage. Why? Because the #1 driver of compressed cap rates is investor confidence in future cash flows. The belief that rents will continue to rise justifies aggressive pricing – until it doesn't.   This mindset echoes pre-GFC sentiment, where rent growth was taken as a given. Fiorilla is quick to clarify that today's market is not nearly as reckless. Still, elevated pricing in an environment of cooling fundamentals could leave investors dangerously exposed to even mild shocks.   Quiet Distress and the Maturity Wall   Another issue masked by short-term optimism is the growing volume of loan maturities. These include both regularly scheduled maturities and loans previously extended during 2021–2023 that are now reaching their end.   Fiorilla notes that many of these are being addressed quietly. Lenders, reluctant to force asset sales, are working with borrowers on a case-by-case basis. The result: distress is real, but it's largely invisible. There's little evidence of forced portfolio liquidations or widespread delinquencies – yet.   The availability of capital, particularly for multifamily, is helping to buffer these pressures. There's no shortage of dry powder. But absent a sharp rate reversal or improved clarity from policymakers, the sector could see a slow bleed of marginal deals rather than a systemic reset.   Underappreciated Geopolitical Risk   One of the most thought-provoking parts of the conversation concerns CRE's growing sensitivity to global and political dynamics. This is a structural change. The U.S. has long benefited from its role as a stable, rule-of-law jurisdiction. But shifts in foreign policy, trade restrictions, and political dysfunction are beginning to weigh on foreign investment.   Declining Canadian cross-border investment and tighter restrictions on visa travel are, in part, evidence of this shift. These aren't headline stories but they are meaningful. If the U.S. loses its perception as a reliable haven for capital, CRE pricing could face downward pressure from shrinking foreign demand. This is a long-term trend worth monitoring closely, not a transitory blip.   What He's Watching   When asked what indicators he watches most closely, Fiorilla points to three primary metrics: Occupancy Rates – Particularly in high-supply markets. Stabilized occupancy below 94% would be an early warning sign. Absorption Trends – A sustained drop in household formation or leasing activity could signal weakening demand. Employment Data – Job losses, especially if broad-based, would ripple into rent growth and occupancy. He also monitors transaction volume as a proxy for investor confidence. If deal flow freezes again, that would signal a recalibration of forward expectations.   Final Reflection   While Fiorilla resists giving investment advice, his closing thoughts reflect a conservative posture. He's not sitting on the sidelines entirely but he's not rushing in either. Caution, portfolio balance, and realistic expectations are the guiding principles.   For CRE professionals, this conversation is a reminder to look past sentiment and dig into the data and the fundamentals: local supply pipelines, policy shifts, interest rate trends, and the fragility of assumptions underpinning future rent growth. The macro backdrop is far from stable and the margin for error, even in multifamily, may be thinner than it appears.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

In a special ‘on the road' edition of the Royal Blue podcast, ECHO Everton correspondent Joe Thomas and ECHO Everton reporter Chris Beesley analyse Everton's 1-0 win at Newcastle United and the second half of the season under David Moyes as they drive back from St James' Park. The Blues secured their fifth away victory since  the Glaswegian returned to Goodison Park thanks to Carlos Alcaraz's second half header to spoil the Magpies Champions League party while in the face of his usual barracking from the Toon Army, Jordan Pickford rammed the taunts down his North East rivals' throats with another masterclass in goal. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 382 of The @Venturefizz Podcast features Abe Murray, General Partner at AlleyCorp. I recently had Matthias Hofmann, the Co-Founder & CEO of Eyebot on the podcast and when I was doing my research on the company, I realized that their recent investment from AlleyCorp was led by one of their partners who was located in the Boston area. It made me pause, as I didn't realize that AlleyCorp had someone in the local Boston area. If you are not familiar with AlleyCorp, it is the venture fund started by Kevin Ryan who is a tech icon in NYC. Kevin led DoubleClick's growth to an IPO and acquisition by Google. He's also a co-founder of MongoDB, Business Insider, Zola, Gilt Groupe, and many others. AlleyCorp was backed as a family office by Kevin until last year when it became an institutional VC firm through the announcement of its $250M Fund I which includes outside LPs for the first time. Abe is leading AlleyCorp's deep tech investments, so it just makes sense that he is based in the the Boston area, as there is such a high concentration of innovation and companies in the Northeast. In this episode of our podcast, we cover: * Abe's background story which includes dropping out of high school to run fishing boats & factories in the family aquaculture business and the importance of growing up with a chip on your shoulder. * Starting his career at BAE Systems where he worked on Generative AI and advanced technologies for the defense industry. * Going to Harvard Business School and working on a startup called Doodbleboard, an online whiteboard. * Landing at Google, then later Alphabet, where he worked on various AI/ML initiatives, as well as the Android mobile team with Rich Miner. * Taking on the healthcare industry and leading the Boston office for Verily, an Alphabet company. * Getting into angel investing and how he landed at AlleyCorp. * All the details about AlleyCorp and the investments they are making across the firm, plus the specifics about what Abe is targeting. * The importance of storytelling and advice on how to get great at it. * And so much more. Eyebot interview: https://venturefizz.com/insights/episode-368-matthias-hofmann-co-founder-ceo-of-eyebot/

Subscribe to Blue White Illustrated on YouTube: https://bit.ly/3KzEcqKCheck out the site too! - https://bit.ly/3u8dilDWe're continuing our examination of the Penn State football team's position as a top team heading into the 2025 college football season. Today, we'll discuss the facts and fiction behind the offseason narratives that national media outlets are weaving about the team this offseason. We'll also continue our look at the team's offseason progress by playing Better or Worse? to end the show. Of course, we'll have the latest Penn State football and recruiting news on Today's BWI Live Show as well. Join the show at 10 a.m. on YouTube, on replay, or anywhere you get your podcasts. Subscribe now so you don't miss any of our football, recruiting, or wrestling coverage all offseason! Penn State news We'll start the show with the terrible news of former Penn State wide receiver Julian Fleming. Reports this weekend say that Fleming was in an ATV accident. From the original report:“In a release, troopers say before 8:15 p.m., authorities were called to Painter Lick Lane in Columbia Township Friday night after an ATV crash. State police explain that the ATV was traveling Northbound on Painter Lick Lane when it struck a deer that jumped out into the roadway.”We'll discuss the situation. In less sober news, we'll move on to today's main topic. Penn State is now a favorite topic of conversation for national media. Some of the compliments and criticism are fair for the 2025 squad. Some are not. Reporter Nate Bauer broke down what he saw as the facts and the fiction behind the hype for the program this offseason. We'll discuss his recent article on today's show. Fitz's Recruiting Update It was a big weekend in New Jersey for top prospects in the Northeast on Saturday. The Under Armour camp circuit came through the region, attracting top talent from Penn State's recruiting footprint, especially on the offensive and defensive line. We'll discuss what recruiting reporter Sean Fitz saw this weekend from players like offensive line commits Roseby Lubintus and Layton von Brandt, as well as top prospects like Jackson Vaughn and Maxwell Hiller. It's also another important weekend for the Class of 2026 coming up on Friday. We'll have another official visit preview on Fitz's Recruiting Update. Better or Worse? One of the narratives we'll discuss earlier in today's show is about the Penn State defense. There's a feeling that unit can be better this year under new defensive coordinator Jim Knowles. We'll dive deeper into that topic today in our summer series Better or Worse? We'll examine the front seven to see if the defensive ends, linebackers, and defensive tackles can be better than they were in 2024. Have a question? Want to discuss a different Penn State football topic? Join the live chat to ask your questions and give us your comments!  #PennState  #NittanyLions  JOIN Blue White Illustrated: https://www.on3.com/teams/penn-state-nittany-lions/join/?plan=annualSUBSCRIBE to Blue White Illustrated on YouTube and enable alerts - new highlights and videos uploaded regularly: https://www.youtube.com/c/bluewhiteillustratedvideo?sub_confirmationBookmark our homepage: https://www.on3.com/teams/penn-state-nittany-lions/Subscribe to BWI Magazine and Newsletters:  https://bluewhiteonline.com Like us on Facebook https://www.facebook.com/BlueWhiteIllustrated/Follow us on Twitter https://twitter.com/PennStateOn3Penn State Hype: What's Real and What's Not for 2025? | BWI Live Show

Rob Thomas interviews Michael Attara, President of Spirit Golf Management, about the company's growth and initiatives. Spirit Golf, founded in 2009, focuses on customer service and player development in the Northeast. Attara highlights their involvement in National Golf Day, advocating for three key bills: the Farm Bill, the FIT Act, and the PAR Bill. They recently added Fairways Golf Club and are expanding services at Five Ponds Golf Club. Attara discusses their PGA Junior League, which connects kids with golf professionals, and their efforts to adapt to changing demographics and staffing challenges. He also mentions his role as Treasurer Secretary of Pennsylvania. Also in the news … Florida Club Undergoes $12M Transformation to Inspire the Next Generation The Miami Lakes (Fla.) Golf Club is revitalizing the golf experience while also introducing new amenities such as shopping, dining, entertainment, and residential components. Several new putting greens have been integrated into the layout specifically for youth practice, offering designated spaces where children can learn and play without interfering with regular course activity. Arizona Club Completes Desert Restoration Project The Club at Starr Pass in Tucson, Ariz., removed invasive species such as Salt Cedar, African Sumac, and Buffel Grass, opening the door for native plants to flourish and local wildlife to thrive. The invasive species removal was carried out by a team of environmental specialists in partnership with local conservation experts, ensuring minimal disruption to the natural habitat. And lastly, McConnell Golf files a lawsuit against The Cincinnati Insurance Company in the Wake County (N.C.) Superior Court for its refusal to fully cover extensive damages suffered by three McConnell Golf properties during Hurricane Helene in September of last year.

  Last time we spoke about the Xi'an Incident. In December 1936, tensions in China erupted as Nationalist General Chiang Kai-shek faced a revolt led by his commanders, Zhang Xueliang and Yang Hucheng. Disillusioned by Chiang's focus on battling communists instead of the Japanese invaders, the generals swiftly captured him in a coup. Confined in Xi'an, Chiang initially resisted their demands for a united front against Japan but eventually engaged in negotiation with Zhang and the Chinese Communist Party. As public sentiment shifted against him, Chiang's predicament led to urgent discussions, culminating in an unexpected alliance with the communists. This pact aimed to consolidate Chinese resistance against Japanese aggression, marking a critical turning point in the Second Sino-Japanese War. By December 26, Chiang was released, and this uneasy collaboration set the stage for a more unified front against a common enemy, though underlying tensions remained between the factions.   #152 China Prepares for War Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. Before we jump into the Second Sino-Japanese War of 1937-1945, which I honestly have no idea how long will take us, I thought it would be a good idea to dedicate two episodes to how both China and Japan prepared themselves for war.  Going all the way back to the 1910s, Chinese intellectuals began to view an outright conflict between Japan and China was inevitable. In the discussions about China's strategic options, Jiang Fangzhen pioneered a strategy of protracted warfare, a concept that would later shape China's approach during the Sino-Japanese War. Having studied in Japan during his youth, Jiang developed a keen understanding of the Japanese government and military. As early as 1917, he predicted that China and Japan would become embroiled in a long-term conflict, with the battleground likely to be west of the Peiping–Wuhan and Guangzhou–Wuhan railways. In his work titled "Guofang Lun" or “On National Defense”, Jiang reiterated the importance of protracted warfare as a means to thwart Japan's aspirations for a swift victory. He argued that China should leverage its vast population and extensive territory to extend the conflict, gradually wearing down Japanese strength and turning the situation to its advantage. Jiang recommended that China not focus on defending its coastal regions but instead confront the enemy west of the Peking–Wuhan Railway.   Chiang Kai-shek would eventually come to share Jiang's belief that “the longer the war drags on, the more advantageous it will be for China.” Despite significant public criticism, both the Nationalist government and General Zhang Xueliang, decided against military resistance when Japan invaded Manchuria in September 1931 and attacked Shanghai in 1932. Chiang was particularly hesitant to engage Japan directly, as he was also dealing with a Communist insurgency in central China. He feared that Chinese forces would suffer quick defeat, predicting that Japan would capture key coastal areas and critical infrastructure within just three days, crippling China by dismantling its military and economic lifelines. Following the invasion of North China Chiang was forced to adopt a firmer stance. The Nationalist government proposed a dual strategy of pursuing peace and security while simultaneously preparing for war. If peace proved impossible, China would mobilize its resources for ultimate victory through prolonged conflict. This approach was formalized in the National Defense Plan, which China adopted by prioritizing protracted warfare as its core strategy. After the Sino-Japanese clash in Shanghai on January 28, 1932, the Military Affairs Commission devised a plan that divided China into four defense areas along with a preparation area. While some troops were assigned local security, commanders were directed to concentrate their remaining forces for potential confrontations with Japan. That year, the Military Affairs Commission issued General Defense Guidelines that outlined two strategic responses to a potential Japanese invasion. The first, conservative approach focused on maintaining key positions and utilizing protracted warfare to impede the enemy. The second strategy advocated for decisive battles in key regions to thwart Japan's ambitions and protect China's territorial integrity, prioritizing disengagement from Japanese forces along the Yangtze River and coastline. In August 1935, German military adviser General Alexander von Falkenhausen provided recommendations to Chiang Kai-shek based on his predictions of Japanese advance routes into China. He identified three main routes: one from northern Hebei to Zhengzhou, the second from Shandong toward Xuzhou, and the third crossing the Yangtze River to Nanjing and onwards to Wuhan. He suggested treating the Yangtze River as the primary combat zone and highlighted Sichuan as a possible retreat area. Taking all of this into consideration. in 1936, a draft of a new National Defense Plan divided the country into four zones: a war zone, a defense zone, an internal security zone, and a preparation area. The war zone encompassed ten provinces and established strategies for retreating to predetermined defensive positions when necessary, with Sichuan designated as the main base for the war. In January 1937, the Chinese General Staff Department introduced its annual War Plan, outlining three possible military conflict regions between China and Japan. It proposed two main strategies: Proposal A emphasized sustained combat and retreat to fortified positions if the situation became unfavorable, aiming to eventually go on the offensive against Japan. Proposal B focused on repelling Japanese invasions along the coast and from the north, prioritizing counter offensives against Japanese units stationed near key locations. To prepare, the NRA completed several critical projects outlined in its plans, establishing military supply depots in Nanjing, Bengbu, Xinyang, Huayin, Nanchang, and Wuchang to manage logistics for supplies across various strategic railways. These depots were equipped to sustain the military, with ample ammunition and provisions, including 60 million rounds of small-arms ammunition and food for hundreds of thousands. Despite these preparations, not all projects were completed by the time war broke out in July 1937. In contrast to the Japanese military's tactics, Chinese forces prioritized defensive strategies. For example, at the Mount Lushan Military Officer Training Camp in July 1934, Chiang Kai-shek outlined four possible approaches against Japan, favoring a defense-as-offense strategy. Other options included building fortifications, tenaciously defending key positions, and employing guerrilla warfare through irregular forces to constrain enemy advances. Chiang stressed the importance of national mobilization for the war effort.  There was a significant disparity in equipment between the Japanese and Chinese armies. To give you an idea, each Japanese division included a mechanized group featuring thirty-nine light military vehicles and 21 light armored cars, supplemented by 6,000–7,000 horses, 200–300 automobiles, and specialized troops such as poison gas teams. In contrast, Nationalist divisions lacked any of these capabilities, a typical nationalist division theoretically had an armored regiment, but this unit was equipped with fewer than 72 armored vehicles. Another major weakness of the Nationalist forces was their insufficient artillery. In 1936, a division was officially assigned one artillery battalion, which was divided into three batteries totaling twelve guns. It also included a mechanized cannon company with four direct-fire weapons. By comparison, a Japanese division boasted four infantry regiments and one mountain artillery or field artillery regiment, with each artillery regiment comprising three field artillery battalions and one howitzer battalion. The infantry regiment itself included a mountain artillery section with four mountain guns, while the infantry battalion had one Type 70 mountain gun section with two guns. In total, a Japanese division possessed sixty-four artillery pieces of various calibers, four times the number of a Chinese division and of significantly higher quality. In reality, in 1936, twelve of the twenty elite Chinese “reformed divisions” still lacked artillery battalions. The ordnance available in the “reformed divisions” mostly consisted of the outdated Type 60 mountain gun. Nationwide, very few of the 200 divisions were equipped with any artillery, and those that did often used obsolete field artillery pieces or mountain artillery provided to local forces. Some units even relied on trench mortars as a makeshift solution. The artillery weapons came from various countries, but they frequently lacked necessary observation and signal components, and were often low on ammunition. The majority of mountain guns and field artillery were of the Type 75, which, while capable of providing fire support, had limited range and inflicted minimal damage. To give you an idea of the striking inadequacy of the Chinese artillery, during the Shanghai fighting in 1937, the mountain artillery of the Guangxi 21st Army Group could only reach targets within 1,200 yards, while Japanese field artillery had an effective range of 8,000 yards. Chinese-made mountain artillery suffered due to inferior steel-making technology; the gun shields were constructed from low-quality steel, and the barrels often overheated after firing just a few rounds, increasing the risk of explosions. Additionally, the equipment of local forces varied greatly in quality. In fact, some local units had superior equipment compared to Nationalist units. For example, before the Sino-Japanese War, troops from Yunnan were equipped with French antitank guns and heavy machine guns, which were better than the German water-cooled machine guns used by the Nationalist forces. However, the majority of local troops relied on inferior equipment; the 122nd Division under Wang Mingzhang from Sichuan, noted for its brave defense of Tengxian County during the Xuzhou Battle, was armed with locally produced light and heavy machine guns that frequently malfunctioned, and their Type 79 rifles, also made in Sichuan, were often outdated, with some dating back to the Qing Dynasty. These weapons had limited range and sometimes malfunctioned after fewer than one hundred rounds. Now before the war, both Nationalist and local forces acquired weaponry from diverse foreign and domestic sources. Even domestically produced weapons lacked standardization, with those made in Hanyang and Manchuria differing in design and specifications. Arms manufactured in Germany, France, Russia, Japan, and Italy were similarly inconsistent. Consequently, even within a single unit, the lack of uniformity created significant logistical challenges, undermining combat effectiveness, particularly in the early stages of the war. Despite Nationalist ordnance factories producing over three million rounds of small-arms ammunition daily, the incompatibility of ammunition and weapons diminished the usable quantity of ammunition. Chinese communications infrastructure was inadequate. In the Nationalist army, signal units were integrated into engineering units, leading to low-quality radio communications. In emergencies, telegrams could remain undelivered for days, and orders often had to be dispatched via postal services. By 1937, the entire country boasted only 3,000 military vehicles, necessitating heavy reliance on horses and mules for transport. To effectively equip twenty Nationalist divisions, 10,647 horses and 20,688 mules were needed, but by the end of 1935, only 6,206 horses and 4,351 mules were available. A statistic from 1936 indicated a 5 percent mortality rate among military horses, with some units experiencing a rate as high as 10 percent. The distribution of weaponry led to disputes during army reorganization efforts following the Northern Expedition. Although Chiang Kai-shek's forces were part of the regular army, the quality of their equipment varied significantly. Domestic production of weapons was limited, and imports could not close the gap. Priority was given to small arms; through army reorganization, Chiang aimed to diminish the influence of forces less loyal to him. Nationalist army staff officers observed that troops loyal to Chiang received the best weapons. Northwest and Northeast forces, having cultivated good relations with the KMT, were similarly better equipped, while Shanxi troops received inferior supplies. Troops associated with the Guangxi Clique were given even poorer quality weapons due to their leaders' stronger political ambitions. Troops regarded as “bandit forces,” such as those led by Shi Yousan, Li Hongchang, and Sun Dianying, were naturally assigned the least effective weaponry. This unequal distribution of arms increased some local forces' inclination to align with the KMT while alienating others, which inadvertently led to additional turmoil in the aftermath of the Northern Expedition. Logistical accounting within the Nationalist military was severely lacking. Military expenditures accounted for a significant portion of government spending, roughly 65.48 % in 1937, with personnel costs being the largest component. However, military units prioritized boosting their own resources over accurate accounting. Surpluses were not returned but rather utilized to reward military officers and soldiers for merits in battle, care for the wounded, or to create a reserve. Conversely, if deficits arose, troops would resort to “living off vacancies,” a practice in which they would fail to report desertions promptly and would falsely claim new soldiers had arrived. Military leaders typically appointed their most trusted subordinates to serve as accountants and logistic officers. As the war commenced, these issues became readily apparent. During the Battle of Shanghai in 1937, frontline soldiers sometimes went days without food and went months without pay. Wounded soldiers and civilians had to search tirelessly for medical treatment, and when main forces relocated, they often abandoned grain, ammunition, weapons, and petroleum along the way. General Chen Cheng, the commander in chief during the Battle of Shanghai, noted, “This phenomenon clearly revealed our inability to supply frontline troops, indicating that China remains a backward country with poor management.” Many logistical shortcomings severely impacted troop morale and combat effectiveness. In a 1933 speech, Chiang Kai-shek acknowledged that poor food, inadequate clothing, and ineffective logistics contributed to widespread desertion. Soldiers were further demoralized by reduced or embezzled salaries. A lack of professional medical staff and equipment hampered healthcare efforts, leading to high disease and mortality rates. According to official statistics from 1936, approximately 10 percent of soldiers fell ill annually, with a mortality rate as high as 5 percent. Japanese military authorities reported that one in three wounded Japanese soldiers died, while a Dutch military officer present during the early stages of the Sino-Japanese War observed that one in every two wounded Nationalist soldiers perished. Due to inadequate equipment and limited transport options, Nationalist forces were compelled to recruit farmers and rent vehicles, as they lacked essential facilities such as tents. This reliance on local resources inevitably led to frequent conflicts between military personnel and civilians. China is clearly a vast nation with an extensive coastline, requiring the construction of several significant fortresses during the modern era. These included Wusong, Jiangyin, Zhenjiang, Jiangning, and Wuhan along the Yangtze River, as well as Zhenhai, Humen, and Changzhou along the seacoast. Except for the Wuhan fortress, built in 1929-1930, all other fortifications were established during the late Qing Dynasty and featured uncovered cannon batteries. These fortresses suffered from inadequate maintenance, and many of their components had become outdated and irreplaceable, rendering them militarily negligible. Following the January 1932 Shanghai Incident, the Japanese military destroyed the Wusong forts, leaving the entrance to the Yangtze River completely unfortified. Consequently, there were no defenses along the coastline from Jiangsu to Shandong, allowing the Japanese to land freely. In December 1932, the Military Affairs Commission established a fortress group tasked with constructing fortresses and defensive installations, seeking assistance from German military advisers. After the North China Incident in 1935, the Nationalist government accelerated the construction of defensive structures in line with national war planning, focusing particularly on Nanjing. The Nationalists prioritized building fortifications along the seacoast and the Yellow River, followed by key regions north of the Yellow River. The government also ordered a significant quantity of heavy artillery from Germany. This included several dozen pieces of flat-fire antiaircraft and dual-purpose heavy artillery, which were installed at fortifications in Jiangyin, Zhenjiang, Nanjing, and Wuhan. By the summer of 1937, the construction of nine fortified positions was complete: Nanjing, Zhenjiang, Jiangyin, Ningbo, Humen, Mawei, Xiamen , Nantong, and Lianyungang. In total, China had established 41 forts and equipped them with 273 fortress cannons. Some defensive installations were poorly managed, with many units assigned to their perimeters lacking training and access to proper maps. The barbette positions in the fortresses were not well concealed and could hardly store sufficient ammunition. Troops stationed at these fortresses received little training. Despite these shortcomings, the fortresses and fortifications were not entirely ineffective. They bolstered Chinese positions along the defense line stretching from Cangxian County to Baoding and from Dexian County to Shijiazhuang, as well as in southern Shandong.  Before the war, China's political and economic center was situated along the seacoast and the Yangtze River. As Japanese influence expanded, the Nationalist government was compelled to establish bases in China's inner regions, very similar to how the USSR pulled back its industry further west after Operation barbarossa.The Japanese attack on Shanghai in 1932 prompted the Nationalists to relocate their capital to Luoyang. On March 5, during the Second Plenary Session of the KMT's Fourth Congress, the Western Capital Preparation Committee was formed to plan for the potential relocation of all governmental bodies to Xi'an in the event of full-scale war. In February 1933, the Central Political Conference approved the Northwest Development Bill, and in February 1934, the National Economic Commission set up a northwestern branch to oversee development projects in the region. On October 18, 1934, Chiang Kai-shek traveled to Lanzhou, recording in his diary that “Northwest China has abundant resources. Japan and Russia are poised to bully us. Yet, if we strengthen ourselves and develop northwest China to the fullest extent, we can turn it into a base for China's revival.” Interestingly, it was Sichuan, rather than the northwest, that became China's rear base during the 2nd Sino-Japanese War. In October 1934, the Communist army evacuated its Soviet base in southern China, initiating the Long March that would ultimately end in the northwest. By this time, Chiang Kai-shek had decided to designate Sichuan as the last stronghold for China. In January 1935, the Nanchang Field Headquarters of the Military Affairs Commission, responsible for combatting the Communists and serving as the supreme military and political authority over most provinces along the Yangtze River and central China, dispatched a special advisory group to Chongqing. Following this, the Nationalist army advanced into Sichuan. On February 10, the Nationalists appointed a new provincial government in Sichuan, effectively ending the province's long-standing regionalism. On March 2, Chiang traveled to Chongqing, where he delivered a speech underscoring that “Sichuan should serve as the base for China's revival.” He stated that he was in Sichuan to oversee efforts against the Communist army and to unify the provincial administration.  After the Xinhai revolution, the Republic of China was still suing the Qing Dynasty's conscription system. However, once in power, the Nationalist government sought to establish a national military service program. In 1933, it enacted a military service law, which began implementation in 1936. This law categorized military service into two branches: service in the Nationalist army and in territorial citizen army units. Men aged eighteen to forty-five were expected to serve in the territorial units if they did not enlist in the Nationalist army. The territorial service was structured into three phases: active service lasting two to three years, first reserves for six years, and second reserves until the age of forty-five. The Ministry of Military Affairs divided China into sixty divisional conscription headquarters, initially establishing these headquarters in the six provinces of Jiangsu, Zhejiang, Anhui, Jiangxi, Henan, and Hubei. By December 1936, approximately 50,000 new soldiers had been drafted. The military service law disproportionately favored the middle and upper classes. Government personnel were exempt from enlistment, allowing privileged families to register their children with government agencies. Similarly, students in middle and higher education were excused from service, while youth from poorer backgrounds often felt compelled to enlist due to financial constraints that limited their educational opportunities. Village and town leaders were responsible for executing the recruitment process and frequently conspired with army recruiters. Recruitment principles often favored wealthier families, with guidelines stating that one son should be drafted for every three sons, two for five sons, but no drafts if there was only one son. Wealthy families could secure exemptions for all their male children, while poor families might see their only son conscripted if they were unable to provide the requisite bribe. Town and village heads wielded significant power in recruitment. This new recruitment system also created numerous money-making opportunities. Military personnel assigned to escort draftees to their units would often allow draftees to escape for a fee. Additionally, draftees could monetize their service by agreeing to serve as substitutes for others. For some, being drafted became an occupation. For example, in 1936, 600 individuals were drafted in the Wuhu area of Anhui province, and accounts from regional administrators indicated that every draftee had either been traded, replaced, or seized. Beginning in 1929, the Nationalist government also instituted military training for high school students and older individuals. Students were required to participate in one theoretical class and one practical class each week, totaling three hours. Starting in 1934, students had to complete a three-month military training program before graduating. Graduates of military academies were employed as military instructors. By the end of 1936, over 237,000 high school students had undergone military training. This student military training was overseen by the Society for the Implementation of the Three People's Principles of Sun Yat-sen, which also provided political education and sometimes gathered information on students' political beliefs.  Although the Nationalists made significant efforts to improve the military training of both officers and troops, they inherited deep-seated challenges that they were unable to completely overcome. A lack of facilities, outdated training manuals, low regard for military instructors, and the ongoing influence of regionalism and warlordism hindered progress. The Japanese would also later exploit these shortcomings of the Nationalist army. The Central Military Academy, which evolved from the Whampoa Military Academy established in 1923 in Guangzhou to train officers for the Northern Expedition, became the primary training institution for junior military officers. The academy offered a basic course, lasting eighteen months, which included general education, specialized training in various subjects, and field practice. This was followed by a two-year cadet training program focused on developing the skills necessary for junior military officers. Seventeen classes were admitted before the outbreak of war. Admission to the academy was highly competitive, with military officers receiving attractive salaries. For instance, in 1935, the academy received 10,000 applications for the twelfth class, but only 7% were accepted. Upon graduation, cadets were typically assigned to divisions within the Nationalist army loyal to Chiang Kai-shek. Their training, influenced by German advisors, resulted in a high-quality cadre. In modern China, most sergeants were veterans. While some units provided training for sergeants, a lack of formal education led to their diminished status. Truly qualified sergeants were rare. During his tenure as Minister of Military Training, General Bai Chongxi proposed establishing a sergeant school and creating a professional noncommissioned officer system; however, the Ministry of Military Affairs opposed this on financial grounds. While commanding officers enjoyed rapid promotions, military instructors did not. Furthermore, there was no system for transferring instructors to field commands or assigning commanders to military academies for extended periods. Despite minor updates to cover modern warfare concepts such as tank warfare and machine guns, Qing Dynasty military manuals were still in use at the Central Military Academy at the start of the war. Yeah, 1937 they were still rocking the old Qing books. Following the establishment of the Ministry of Military Training, a bureau for military translation was set up to evaluate existing course materials and translate military manuals, but its contributions were limited. Another significant shortcoming of military instruction focused on theory at the expense of practical application.  To enhance the quality of military officers, the Nationalist army instituted specialized schools for artillery, infantry, transport, engineering, and signals starting in 1931. These institutions were considered to have high-quality administrators and facilities. The Nationalists adopted German military training models, replacing the previously used Japanese models. They appointed German advisors to oversee instructor training at military academies and established three instructional divisions. By the onset of the Sino-Japanese War, 15,000 students had graduated from programs with a German military influence, resulting in the creation of about fifty combat divisions from these instructional units. However, the progress of other Nationalist army units was limited because their training was not aligned with contemporary battlefield realities. Before World War I, troops operated in close formations due to limited firepower. The widespread introduction of machine guns after World War I necessitated a shift to dispersed formations. Although a new drill manual issued by the Ministry of Military Training in 1935 introduced small-group tactics, few units adopted these methods. General Chen Cheng highlighted another underlying issue in 1938, commenting on the outmoded focus on parade ground drills and formal military manners. He noted, “We have paid too much attention to stereotypical formality and procedures of no practical use. Sometimes, even though soldiers could not get a haircut or take a bath for several months, their camps had to be in order. They underwent intensive training in close-order drill but learned little about gun handling, marksmanship, or maneuvering. This was inappropriate in peacetime, yet we continued this practice even after the Sino-Japanese War started, even using it on highly educated youth.” In contrast, the Communist army simplified training, emphasizing two essential skills: live-fire exercises and physical endurance, which significantly enhanced troop effectiveness in the challenging terrain characteristic of the Sino-Japanese War. Ultimately, the Nationalist army's training did not reach all soldiers. Only about half of all combat soldiers received adequate training, while the rest were neglected. According to statistics from the time, there were approximately five million military personnel during the Sino-Japanese War, with three million serving in logistics. Most of these logistics personnel had received little training, leading to disastrous consequences for overall combat effectiveness. As warfare has become more complex, the role of highly trained staff officers has become increasingly important. Napoleon developed operational plans close to the front and communicated orders via courier. During World War I, military commanders collected information at their headquarters and utilized telephones and automobiles to relay orders to the front lines. In World War II, with the battlefield expanding to include land, sea, and air, senior commanders often made decisions from headquarters far from the action, relying on a significant number of staff officers with specialized skills to keep them informed. In China, however, the staff officer system was underdeveloped. By 1937, only about 2,000 commanders and staff officers had received training. Prior to the Sino-Japanese War, most commanders managed staff work themselves, with staff officers serving primarily as military secretaries who drafted orders, reports, and maps. Many staff officers had no formal military training, and as a whole, the branch lacked respect, causing the most talented officers to avoid serving in it. The situation was even more dire for staff officer departments within local forces. For example, in March 1937, Liu Ziqing, a graduate of the Whampoa Military Academy, was appointed as the director of political instruction in the Forty-fourth Army, a unit under Sichuan warlord Liu Xiang. Liu Ziqing's account illustrates the dysfunction within the ranks: “The commander in chief was not supposed to manage the army and even did not know its whereabouts... But he could appoint relatives and former subordinates—who were officials and businessmen as well—to the army. Each month they would receive a small stipend. At headquarters, there was a long table and two rows of chairs. Around ten o'clock in the morning, senior officers signed in to indicate their presence. Those with other business would leave, while the remaining officers sat down to leisurely discuss star actresses, fortune-telling, business projects, mah-jongg, and opium. Occasionally they would touch on national affairs, chat about news articles, or share local gossip. In the afternoons, they primarily played mah-jongg, held banquets, and visited madams. Most mornings, the commander usually presided over these activities, and at first, I reported for duty as well. But I soon realized it was a waste of time and came very rarely. At headquarters, most staff members wore long gowns or Western-style suits, while military uniforms were a rare sight.” Most senior military personnel were trained at the Baoding Military Academy during the early republic. 2/3rds of commanders in chief, 37 %of army commanders, and 20 % of division commanders were Baoding graduates. Higher-ranking officers were more likely to have launched their careers there. In contrast, only 10 % of division commanders and a few army commanders were graduates of the Whampoa Military Academy. Additionally, commanders trained in local military schools and those with combat experience accounted for 1/3rd of all commanders. While the prevalence of civil war provided opportunities for rapid promotion, it also hindered officers' ability to update their training or gain experience in different military branches. German advisors expressed their concerns to Chiang Kai-shek, emphasizing that officers should first serve in junior roles before taking command. During one battle in 1938, Chiang noted, “Our commanders in chief are equivalent only to our enemy's regiment commanders, and our army and division commanders are only as competent as our enemy's battalion and company commanders.” Despite not viewing high-ranking Japanese officers as great strategists, Nationalist officers respected them as highly competent, diligent, and professional commanders who rarely made critical errors. The infantry was the primary component of the Nationalist army, with middle and junior infantry officers constituting over 80 %of all army officers. A 1936 registry of military officers listed 1,105 colonels and 2,159 lieutenant colonels within the infantry, demonstrating a significant outnumbering of Baoding graduates at ranks below lieutenant colonel. However, the quality of middle and junior infantry officers declined during the Sino-Japanese War; by 1944, only 27.3 % of these officers were from formal military academies, while those promoted from the ranks increased to 28.1 %. In 1937, 80 % of officers in an ordinary infantry battalion were military academy graduates, but this percentage dropped to 20 % during the war. Its hard to tell how educated soldiers were before the war, but it is generally believed that most were illiterate. In 1929, sociologist Tao Menghe surveyed 946 soldiers from a Shanxi garrison brigade and found that only 13 percent could compose a letter independently, while the rest had either never learned to read or were unable to write. In contrast, in August 1938, General Feng Yuxiang found that 80 percent of a regiment in Hunan were literate. Regardless, during the Sino-Japanese War, the quality of recruits steadily declined. More than 90 percent of soldiers were illiterate, and few possessed any basic scientific knowledge, which hindered their ability to master their weapons. On the battlefield, they heavily relied on middle and junior officers for guidance.  In autumn 1933, General Hans von Seeckt, the architect of the post World War I German army, visited China at the personal invitation of Chiang Kai-shek. In his recommendations for military reform, he identified China's greatest problem as its excessively large forces drawn from diverse backgrounds. He stated, “At present, the most pressing goal is to... establish a small, well-equipped army with high morale and combat effectiveness to replace the numerous poorly armed and trained forces.” He suggested forming an army of sixty divisions and recommended the establishment of a training regiment for military officers to equip them with the skills needed for modern warfare. Chiang Kai-shek accepted von Seeckt's proposals, and on January 26, 1935, he convened a National Military Reorganization Conference in Nanjing. On March 1, the Army Reorganization Bureau was established in Wuchang, under the leadership of General Chen Cheng. In the same month, General Alexander von Falkenhausen took charge of the German Military Advisors Group. Before war broke out, around nineteen divisions, roughly 300,000 troops received training from German advisors and were equipped with German-style weapons. At the onset of the Sino-Japanese War, the forces stemming from the First Army of the National Revolutionary Army and the Whampoa cadets, who had fought in the Northern Expedition, held the highest reputation and were referred to as the “core central forces” by the Japanese. Other notable forces included the Guangxi Army, Northwestern Army, Northeastern Army, some Uyghur units, the Guangdong Army, and the Shanxi Army. In contrast, provincial forces such as the Yunnan Army and Sichuan Army were viewed less favorably. Nationalist forces were generally far inferior to those of the Japanese enemy. In 1937, General He Yingqin noted that Nationalist forces had failed to prevail in 1932 and 1933, even when outnumbering the Japanese by 4-1.  In November 1937, during a national defense conference, Chiang Kai-shek stated, "In recent years we have worked hard, prepared actively, and achieved national unification. By the time of the Marco Polo Bridge Incident, we were in a better domestic situation and had improved military preparedness compared to before. Since 1935, our strength has doubled. It increased by more than two to three times since January 1932 or September 1931 [when Japan attacked Shanghai and Mukden]. If peace had been achievable, we should have delayed the war for two or three years. Given an additional three years, our defensive capabilities would have been drastically different... Now, if we merely compare the military strength of China and Japan, we are certainly inferior." However, such assessments were overly optimistic, as Chiang failed to recognize that Japan's military capabilities would not have stagnated. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Generalissimo Chiang Kai-Shek certainly was dealt a difficult hand of cards for the upcoming poker match he was to play. Yet the Chinese were resilient and they had to be for the absolute horror that would be inflicted upon them from 1937-1945. Until this point, their enemies had been far more lenient, the Empire of Japan would show no mercy.

We believed and they delivered.   Gary, Gavin & Graham are back with hoarse voices and a touch of the ol' emotions to look back on an astounding afternoon at Hampden Park as the Dons end 35 years of hurt to bring the Scottish Cup back to the North East for the first time since 1990.   Become a paid subscriber over at abzfootballpodcast.com   Follow us on our social media channels:-   Twitter - @AbzPodcast Facebook - @ABZFootballPodcast Instagram - @abzfootballpodcast

This week on Hafta, Newslaundry's Newslaundry's Abhinandan Sekhri, Manisha Pande, Jayashree Arunachalam, Raman Kirpal and Shardool Katyayan are joined by senior journalist and CGNet Swara's co-founder Shubhranshu Choudhary.We start with a discussion on the killing of 27 suspected Maoists in Chhattisgarh this week and analyse if the Maoist movement in the state has declined. Shubhranshu says, “We don't agree with the strategy, but it is hugely successful… This war has been won by the Bastariyas (residents of Bastar) themselves who gave information.”However, he warns that unresolved issues like mining and lack of development could reignite tensions, asking, “What will be our development policy? That will determine whether Maoism will be dead.”Jayashree raises concerns about the accuracy of government claims, questioning, “Should we be more suspicious when the government says it's killed dozens of Maoists?” She highlights the lack of judicial scrutiny in encounters, citing, “I think of thousands of encounters that have happened in Bastar in the last 25 years. There've only been two judicial inquiries.”Abhinandan adds, “There's an overlap of mining interests in media interests – even in ownership,” and Manisha stresses on political representation for a better future for Bastar's residents. “If militants in the Northeast can join the BJP, why not here? Political representation matters. It gives people real options.”This and a lot more. Tune in!We have a page for subscribers to send letters to our shows. If you want to write to Hafta, click here. Check out the Newslaundry store and flaunt your love for independent media. Download the Newslaundry app. Song: Blowing in the windTimecodes00:00:00 – Introductions 00:06:51 – Headlines 00:16:59 - Operation Black Forest01:13:52 – Letters01:36:04 – RecommendationsCheck out previous Hafta recommendations, references, songs and letters Produced by Priyali Dhingra.Recorded by Hassan Bilal and Anil Kumar. Production assistance by Ankit Raj. This episode is outside of the paywall for now. Before it goes behind the paywall, why not subscribe? Get brand-new episodes of all our podcasts every week, while also doing your bit to support independent media. Click here to subscribe. Hosted on Acast. See acast.com/privacy for more information.

If you watched the Netflix docuseries Sunderland ‘Til I Die, you saw a famous old English club that looked like dying. Two straight relegations for the Black Cats put these giants of the Northeast in a precarious position, and the man often tasked with guiding the viewer through all this tumult and heartbreak was Nick Barnes. As the Sunderland commentator for BBC Newcastle, he calls every game for radio, but he's also covered this club through thick and thin, many managers and even many owners. He's seen it all.And he'll see one more thing this Saturday, when Sunderland travel to Wembley to face Sheffield United in the Championship playoff final — the $200 million game. Whoever wins will play Premier League football next season and travel to Anfield, Old Trafford, Stamford Bridge, the Emirates Stadium. Whoever loses will be back in the Championship, going to Swansea.Either way, Barnes will be along for the ride. But first he joins The Football Weekend to trace Sunderland's path to this moment.If you're enjoying the show, please leave us a rating and review! It will help spread the good word.And as always, for kickoff times and storylines on all the other matches worth your time this weekend, check TheFootballWeekend.com. Hosted on Acast. See acast.com/privacy for more information.

Today I'm joined by Ernie Boch Jr., CEO of Subaru of New England. We go behind the scenes of his billion-dollar Subaru distribution empire, how he's influencing Subaru's design strategy, his #1 message to dealers facing the reality of tariffs—and much more. This episode is brought to you by: 1. CDK Global - CDK SimplePay is the only payment solution that's built into CDK solutions for unrivaled reliability and financial efficiency. To learn more or schedule a demo visit http://www.CDK.com/simplepay 2. Kenect - The platform auto dealers are using to gather reviews, generate leads, and improve their online reputation, all powered by AI. – @ http://www.kenect.ai 3. Nomad Content Studio - Most dealerships still get social media wrong—ignoring it, posting boring inventory photos, or handing it off to someone without a plan. Meanwhile, the dealer down the street is pulling millions of views and closing real car deals. That's where Nomad Content Studio comes in. They're the team behind dealers like Paragon Honda, Benzs & Bowties, and EV Auto. Nomad trains your videographer, guides what to film, then edits and posts across every platform for you. Want your dealership to be next? Head to http://www.trynomad.co Need help finding top automotive talent? Get started here: ⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠ Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠⁠⁠⁠⁠https://cdgpartner.com⁠⁠⁠⁠⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠⁠⁠⁠⁠https://bit.ly/3Suismu⁠⁠ Topics: 00:16 How did family legacy shape you? 01:37 Key moments in business evolution 05:59 Biggest auto industry challenges today? 07:45 What makes NE distribution unique? 19:43 How creativity impacts advertising strategies? 22:00 How to maintain OEM relationships? 24:10 Key lessons from Japan trips 30:32 Most promising auto tech innovations 32:07 Future of dealerships - predictions Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠ This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

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