Podcasts about Outright

We invited a panel of three unschooling parents to join us to talk about what happens when unschooling kids choose school. Ari, Terri, and Kinsey are all members of the Living Joyfully Network and they all have children who have chosen to try school. They shared about what led to the decision, how the expectations of school affected them and their families, what they and their kids learned from their experiences, and how their foundation of unschooling helped them along the way. It was really interesting to hear about their unique paths and we hope you find our conversation helpful on your unschooling journey! Watch the video of our conversation on YouTube. THINGS WE MENTION IN THIS EPISODE We invite you to join us in the Living Joyfully Network, a warm and welcoming online community of like-hearted parents. It's a non-judgmental space where you can steep in these unconventional ideas around parenting, relationships, and learning, and explore what they might look like day-to-day in your uniquely wonderful family. We offer a free month trial so you can see if it's a good fit for you. Click here to join us. Sign up to our mailing list on Substack to receive our email newsletters as well as new articles about learning, parenting, and so much more! Check out our website, livingjoyfully.ca for more information about exploring unschooling and navigating relationships. EPISODE TRANSCRIPT ERIKA: Hello, everyone. I’m Erika Ellis from Living Joyfully, and I’m joined by my co-hosts, Anna Brown and Pam Laricchia, as well as our special guests today, Ari, Terri, and Kinsey. Hi, everyone. So, I am really excited for this conversation. We invited Ari, Terri, and Kinsey, who are all Living Joyfully Network members, to join us today to talk about what happens when unschooling kids choose to go to school. There are lots of reasons why kids might be interested in trying school. And if they do, it can be a different experience than we might expect, because they’re making that choice themselves. But since people are different, and so are schools, we’ve seen a really wide range of experiences. And so thank you all for joining us to share a bit about your family’s experience. To get us started, can you briefly introduce yourself and share just a bit about your family? And maybe we could start with Ari. ARI: Sure. Hi, I’m Ari. I have three daughters. They are 10, 5, and 7. And we live in Portland, Oregon. We’ve been unschooling for about four years now. And this past year, my 10-year-old decided to go to school. She attended our local public school for fourth grade. ERIKA: Okay. And Terri? TERRI: We live in Swan River, Manitoba, quite a small town. There are four of us, me and my husband, and our two kids, a boy and a girl, Felix and Stella. And Stella decided to go into school this last year, into grade four as well. We live out in the country. It’s nice and quiet out here. And we have various interests that we have going on. ERIKA: Thank you. And Kinsey? KINSEY: Awesome. Hey, yes, I’m Kinsey. I live in Lubbock, Texas. And I have two children, Riley, who’s 15, and Emmy, who’s 12. Emmy chose to try school in 2024, and was there for a little while. So yeah, we had some experience there at our local public school. PAM: Nice. That’s very awesome. Okay, so now let’s get into a little bit more of the details. We’re very excited to hear everyone’s stories. We would love to know how did your child’s choice to go to school come about? And then how did it play out for your family? Certainly like at the beginning, as you guys were adjusting and getting this kind of settled. And would you like to start, Terri? TERRI: Sure, sure. I’m guessing like maybe two years ago, it was coming up to when we could have enrolled her for grade three. And Stella had started asking about school, saying she really wanted to go. And we were, I guess at that point, we homeschooled from when she was young, from the very beginning, and then slowly relaxed into unschooling. So we’d maybe be unschooling for about a year at that point. It felt like we had made this choice to not do school, me and my husband anyway, to not do school. So, it was very tough to wrap our heads around, could she go to school? My husband was very against it. He doesn’t mind me saying he’s like, I said no, he said outright no to her. Outright no to me. He said, we’ve chosen this lifestyle. And this just goes against everything we believe in about the school system. And so that was fair. That was his perspective. And I had that thought as well. But I was kind of keeping it to myself, because I could also see with my child that she’s very, when she knows something or wants something, she knows it through and through, no one will shake her, right? And she’s very strong that way. And I could see that if we held with that no, and held with what we believed was right over what she wanted, that it would be really, really bad for our relationship. And so, my husband and I talked about it. And I just kind of brought that to him that she’s just going to dig her heels in and want it more. And then if one day we let her, maybe she won’t feel comfortable to come to us if it’s not right. So, we’ve had those conversations. Like I said, it took like a year, because that was grade three. And then finally, when it came back around to springtime, we had all talked about it and said, you know, yes, let’s try this out. Let’s try for grade four, there’s really only two schools you can choose from here, either French immersion or English speaking. We could have done French immersion, that was an option. But she was very much against that. So, we enrolled her and also really did lots of work, reassuring her that there would be no, I told you so, you can come home anytime. You can tell us if it’s difficult, but that it was a lot of work. It was a year of work getting to that place. And yeah, it worked out in the end. So, that’s how we came to it. PAM: Very cool. Very cool. Kinsey, what was your experience? KINSEY: Let’s see, school is something that Emmy has mentioned over the years, at times, just something that she wanted to try. I think it’s part of just culture, it’s everywhere. People online talk about experiences at school, good and bad. I think it was kind of like a social experiment for her. Just to see what it was like. So, before we moved here back, we live with my parents in my childhood home, in my hometown. And so she went to the public school that I grew up going to. And still with a lot of staff and stuff that I remember from when I was there, or knew from there, or that knew my parents, that worked with my parents at the school. So, we had a lot of resources, which was great, really helpful. She went up there and was really excited. She was really excited to try it and did okay for the first couple weeks. And then it was like, okay, I’ve seen what this is like and I’m finished with this. But she did not stop going to school, then she would actually stay on and for the rest of the semester, which was pretty challenging for her. Are we going in depth of school experiences right now or how it played out? PAM: Right now, this is just the choice to go to school. Let’s just focus on that piece. KINSEY: Just trying it, I think just trying it. And at the time too, her dad was encouraging her to go. PAM: Makes sense, makes sense. And Ari? ARI: My daughter would mention school a little bit in the few months before she made her decisive statement that she was going. But usually, it would come up like, hey, I think I want to try school. And we would say, okay, and then it would fall away for weeks or months. And then there was one time she had been spending a lot of time during the summer with our neighbor and her good buddy, who goes to school. And the two girls were together one day and they both came up. And my daughter was like, I’m going to school this year, or I want to go to school this year. And something about it was like, this is for real. And so I thought maybe this is actually going to happen. We were three or four weeks from the start of school. So it all felt kind of sudden and there might be a lot to prepare for. But we embraced it. We were like, okay, this is your choice. And so I just enrolled her. And that was pretty straightforward. I think she had, she knew quite a few friends through her soccer team. And that was a big draw. She wanted to spend more time with them. I would say that, in that nine year old year, there were signs of kind of itching for more with life. A little bit less satisfied with our co-op, our little homeschool playgroup type things. And I could see she was just kind of reaching for more. And so I viewed this as an extension of that. So, she started school and really enjoyed it. So that’s where we were. ANNA: Okay, so I’m going to ask about expectations. I feel like school adds some expectations, because they have a way of doing things that’s very different from the way that we all would have been doing it in your families. So how did you handle that change of expectations? And how did your child, did they roll with it? Did they have questions about it? Was it hard to kind of balance those two? And I think, Kinsey, I’ll start with you for this one. KINSEY: Okay, let’s see, expectations. Clearly the schedule part of it was super new and different. So those kinds of expectations, the absences, you know, being there, attendance, there was an expectation that took me a while to embrace. I know how it works. It still took a little bit to maybe get used to those expectations being a part of our life. And the communication expected between me and the school about what was going on with my child. If she wanted to miss a day, is it going to be an excused absence or not, and stuff like that. And keeping track. Thankfully, our school here doesn’t assign homework. That would have been quite difficult, I think, even worse. When Emmy was excited to go to school and motivated, I was excited for her to go to school and motivated to help her with that, because she wanted to be there and wanted to go. Even getting up and getting prepared and getting her stuff that she needed, and making connections even before and all that stuff. It was really fine. It was when she was finished with the experience and couldn’t stop. Just because of what was going on in our family at the time. We were going through a divorce at the time. So that really complicated things. And so she wasn’t able to just come right out. At the beginning of her trying it, that was the expectation. And that was the plan for her to just be able to try it. And then when/if the expectations were too much of a mismatch, or she got her curiosity filled, she got the information she needed to know, or whatever experience, she could come out. And just because of the divorce and the impending case, it wasn’t that easy. And so for the rest of the semester, it was quite challenging to be with the outside expectations that we no longer wanted to be a part of. So that’s just a little bit more complicated and our specific situation. But she pushed through. And I hated it. Honestly. But yeah, there were expectations. It was really interesting. Oh yeah, I forget that I need to tell people what’s going on in our family, I don’t know why she’s not there, and she’s not going to be there. And if she’s going to be back tomorrow or not. And to report everything to that authority figure. It can be challenging, for me anyway. ANNA: Yeah. KINSEY: And once when I was there as well. I had a great school experience. I really did great at school. I was there at that school my whole 12 years. It was fine. It’s going back again, on this side, was interesting. ANNA: I bet. Oh, my goodness. All right, Terri, how about you? TERRI: Stella was all ready to meet all the expectations at the start. Because in something I forgot to mention earlier, when she was talking about wanting to go to school, we’re trying to figure out what she was looking for. Is it the friends? Is it structure? No, she just wanted that school experience. So, she was making her lunch the night before and setting her clothes out and getting to bed on time, which is well on time. She'd say, Okay, I need to be in bed between nine and 10. So, she would set her time and she was there. And then you come up with, a month in or so, some uncomfortable situations. Which kind of leads into what’s expected of me. She had a stuffy nose one morning, and she didn’t want to go to school. And I knew the night before she’d been up to about like 11 or 12. And so my mind went straight to that. She’s not sick enough to stay home. She stayed up too late. She should still go to school. That’s what my parents would have told me. And so there was a lot of work in just a space of 20 minutes one morning, where I was battling back and forth in my head. Make her go to school. No, don’t. But she doesn’t need to be going to school, but she should go to school. No, she doesn’t feel well. And finally, I just called it in. I said, she won’t be in she’s not feeling well. That’s it. And that became my go to anytime that she was just not feeling like going. Sorry, she won’t be in and she’s not feeling well. And that’s it. And what happened? Nothing bad happened. I was kind of like, Oh, someone’s going to call me, someone’s going to find out. I’m going to be caught. So, that was a big expectation that I had to work through. Both of us. She’s always been kind of skeptical about anything or everyone to make sure if people are telling the truth. Well, not necessarily in a whole, but I think with teachers and adults at school, she’s slowly began to see, they’re saying one thing, but doing another, or they’re saying it here, but it doesn’t apply here, or it applies to kids, but it doesn’t apply to them. So she saw this gap. And over those months, anytime she came up to an expectation that was uncomfortable, she’d be a little anxious about it. But then we move through it. And she’d be like, Oh, yeah, right. I think it really broke her trust in just any adults, right? In people who aren’t in our important relationships. And, yeah, I think that was a lot. That was a big part of the journey for all of us, I think. And then she did, she did come out of school in March. I would say, all the way up to Christmas, she was pretty happy. And then by January, she started not to go. She was staying home more often, taking long weekends. Saying it was boring, or coming home with more stories like, Oh, the teacher said this, and I don’t agree with that. And, and then by March, she just didn’t go back after a weekend. She’s like, I don’t want to go back. ANNA: All right, Ari, what about you? And was it? Yeah, what did those expectations bring to the family? And really, even to the other members of the family, too? ARI: Yeah, I think this is so interesting, because we’re all talking about our expectations. And that was the biggest challenge. In our families, my expectation was that my daughter wouldn’t like it, or that it would be this environment that I had built up as this coercive, limiting world for her. And the reality wasn't. It was a widening world for her. It was opening things up. So, I gradually let go of what school meant to me, as an unschooling parent, and just let her have her experience with it. So, that was a journey for me. I would say the expectations from school on to my daughter were similar to what Terri and Kinsey were talking about. The schedule, the showing up, we did have homework, a light homework assignment once a week. And my daughter took all those in stride. Like Terri’s daughter, she would make a lunch, she would get herself up, she would walk herself to school. After a couple weeks, she started doing that and walked herself home. So it was pretty cool to see, I could really celebrate that, this initiated independence. It’s not like, you must do this, because we’re parents trying to help you be independent. It was just, I’m at a phase of life where I kind of want to take on more responsibility for myself. So that was fun to watch. I had another thought, but I can’t think of it right now. ANNA: That’s okay. It may come to you. ERIKA: So, our next question is how you found that your unschooling principals helped you as you were supporting your child in their school experience? And maybe we could start with Terri. TERRI: Yeah, sure. Definitely the idea of holding it lightly, right from the very beginning. Making that decision, just really reminding myself constantly that it’s not a big deal. They can go, they cannot go. We can try to meet some of the expectations school puts on us, and we can let some slide. There’s so much choice. So holding things lightly, all the way through. That was a big one for me. And then also, open and curious, whenever we did meet one of those uncomfortable moments, she would come home from school and tell me something that happened. And you want to jump in and you want to fix it. And you want to suggest all sorts of things, all sorts of great ideas. And I really worked at just being, just shutting up, just being quiet. I let her say all of the things, maybe ask some more questions to help her tell me more. And then either I might make a suggestion, or I might ask her if she wants advice. And sometimes she just needed to let it all out. And then I just kept picking up little nuggets of information, right? And it just was more information for the next thing we ran into. So I think those are really, really helpful. Those are the two best ones. Erika: Yes. How about Ari? ARI: Yeah, I totally agree. Holding it lightly, letting it be their journey, following their lead, kind of matching their energy, showing interest when they’re interested and listening, so much listening. Which I felt was a gift because you hear stories about kids coming home from school and not wanting to share anything with their parents. But that wasn’t my experience. My daughter would share what she learned, share what she did at recess. It just took a couple little questions sometimes for me. And she likes talking about it. So that was really nice. I thought of what I was going to say, which was I love what Kinsey mentioned about matching expectations or something about, there’s a mismatch between the expectations on you and kind of what you’re willing to bring. That’s what I was always looking for. And I think that’s what they are good at. They know that if there’s an outside expectation on them, they have a choice whether they want to stay in the situation and meet those because it’s worth it to them or go a different path. And so I liked looking for that and watching to see if my kids are paying attention to that as well. I also wanted to mention my daughter’s teacher, who was pretty spectacular. I felt like she met my daughter and all the kids on a person level. It was like she saw them as people to interact with, not just pupils to be an authority for. And I think that made a big difference for my daughter’s experience. My daughter liked interacting with her teacher. They would have conversations, they would joke. And that’s the kind of relationship with adults that she’s used to. So that was powerful. But there are also times when the teacher has to be a teacher or there’s expectations on them. And I remember with the report card once, I shared in the network, how my daughter received a report that was, my goal for her is to do her best even on tasks that she’s not very interested in. And it was like, huh, okay. Why? Because that’s an expectation that people should just do things that authority tells them to do. Is that really what we’re trying to instill in our young people? So, that’s just an interesting moment. And we talked about that. We still support you just following your interests. Now I’ve taken us out of the question. Where were we? ERIKA: Unschooling principles. ARI: Yeah, I guess they all fit. Open and curious. Everybody’s voice is important. And your own opinion, your own initiative is the most important. ERIKA: And how about Kinsey? KINSEY: So I think the most important principle for me was open and curious for sure. But also always making sure I was seeing things through Emmy’s eyes. Because school can be such a loaded experience. I think there can be a lot of outside pressure. We had so many people who were really, really, really happy that Emmy was going to school. So, I wanted to be really attentive and make sure that I was really seeing things from her perspective and hearing her and believing about what her experience was. And she had a great experience. The teacher, she had no problems at all with teachers. The teachers really loved her. She didn’t have problems with the work or anything like that. It was, again, I think it was just really a social experience for her, an experiment. And so and then when she was in a situation that she couldn’t easily get out of, it really became my focus to see things from her eyes and be her advocate in the best ways that I could. And keeping all my other unschooling principles. I don’t even really think about things as principles, I guess, it’s just kind of a way of being, a way of life. Tracking with her experience, prioritizing what that is, and the information that we’re getting from that, and responding in the most supportive ways that we can. Within the situation, the scenario that you’re in. I think that’s what I would say, just the ways of unschooling, the ways of being were helpful. Yeah, holding it lightly. Plenty of time, there’s plenty of time. It’s just all so helpful. It’s all so helpful. In what could have been a really highly pressurized or complicated experiment. ANNA: Yeah, it sounds like you were able to keep your connection, even though it did get harder because of just the outside context pieces. KINSEY: That was the most important thing. PAM: Yeah. And I think like the thread through all of your perspectives on it feels different. Like you’re saying it is, it’s just a way of being. And that I feel like at the beginning, those were the expectations you guys were wrestling with a bit. You didn’t want to take on that authority figure, and take on those expectations wholeheartedly from school and then put them on your child. But that you were processing through all the things with them and helping them explore the things, the challenges there and the expectations they wanted to choose to take. Like you were saying Ari, sometimes it’s hard, or it may be an unexpected thing. But in the bigger picture, I want to meet it or to be able to process those things without just being told, you got to do this thing. This is how it is like that. That is huge. I think it's a very different way for them to experience it, even Kinsey, when she did have to stay longer, your extra effort to see through her eyes and to be specifically advocating for her as much as possible. Those are very different experiences for kids, I think. So, I wanted to just dive into this last piece, this last question, because we could come up with all the questions that we wanted. But it would be very interesting for us to hear what else you or your kids would like to share about their school experience. I think it’ll be fun to see what stuck out for you and for them. So would you like to start Ari? ARI: Sure. I might come up with more ideas after I hear Terri and Kinsey's. The one kind of big picture thought I keep having is that the school is very central to our neighborhood. A lot of events happen there. The PTA is very well resourced and very active. There are community events which are centered around the school. It’s probably part of my daughter’s draw to school because that’s where the center of social activity is. And it’s in some ways beautiful and in some ways kind of troubling for me because I can consider the alternative. What if our community built that energy just around ourselves, just around our kids and didn’t tie it to this brick and mortar building where we put kids for six hours a day. I see why my daughter loves to go to school. She loves gym, and music, and library, and recess. And doing projects with her friends. And that’s all possible without the coercion, without required attendance. It requires some structure and a lot of effort, but I think our community could do that without the school. So anyway, this is my own kind of mind wandering. I think there are some wonderful aspects to what a school can be. And it shows just what human potential is to me and what a community could be. That’s my initial thought. PAM: How about you, Terri? TERRI: Wow, yeah, I love that idea. I never thought of it that way, Ari. That’s really cool. So, my mind is spinning there. But yeah, well, first of all, I asked Stella this question. I said, Is there anything you want to share? At first, she wasn’t sure what my question really meant. And I said, well, if there was another family that the child wanted to go to school, and they’ve never been to school, if there was another child who wanted to go to school that has never been before, what would you tell them? And she said, that recess isn’t all it's cracked up to be. People say recess is their favorite part. She’s like, it’s not that great. She did say that, the first few minutes, you’ll have lots of kids who might want to play with you, and then you might end up alone. And I think maybe what she didn’t outright say, I think sometimes being alone was not as fun. But then sometimes she was alone, and was okay being alone. And she’d have an adult, a teacher come up to her and say, Why are you sitting alone? Are you sad? And she’d be like, I’m just sitting alone, leave me. So, that was something she wanted me to share. The whole experience leading up to it was a lot more daunting than the actual experience. In the end, I think I had a lot of work to do, because I worked in this school. My boss was the principal who when my child was four, I said, I think I’m going to homeschool. And he says, that’s a bad idea. I had lots of stuff in my head, thinking about all the thoughts that other people might have with me, choosing to do this, maybe her leaving all that. But in the end, it was okay. Because generally, people are pretty nice. And her teacher was lovely. Very lovely. She was sad to see her go. But yeah, it was a good experience. And I think Stella, now she’s talked about going back sometime, she says maybe grade six. Here, elementary goes up to five, and then they go to junior high six to eight, she said, maybe I’ll go back in grade six. She also said by the time she left, she was bored, that things were easy, or they weren’t interesting. And she was bored. So maybe she’s thinking, by grade six, things will be more complicated and interesting. Who knows, I guess we’ll see. PAM: And Kinsey? KINSEY: So, I’ll talk about Emmy’s experiences that she shared with me when we were talking about this podcast and reflecting about being at school. One thing that she mentioned was that she was really anxious, and what’s interesting, you would not think she was having this experience of school because of the feedback I was getting back from the teachers. But she was really anxious at school all the time. And she was, I think she was guarded, looking, scanning, maybe. And afraid that she was going to get in trouble. And it’s not because she engages in behaviors that would bring on discipline or whatever. But I think it’s just the energy and the atmosphere there. The children are always getting in trouble. There’s a punishment reward system, of course, as most schools have lots of children being yelled at by adults. And there’s a kind of an adversarial, I mean, it’s interesting. There can be a sense of community in the school, maybe it’s around sports teams or the band, or just the school, whatever it is. But then within that, there is a line between adults and children. And it’s very felt. Which probably, now that I’m really thinking about it, was unsettling for her because she’s never lived with that. I mean, we’ve been unschooling since 2018. She was three years old when we came home from preschool. We’ve been in this very partnered relationship her whole life. And other adult child relationships that we’ve fostered and found in our life. So, to be in this place where that’s just not the energy at all, or the way that things are set up. I’m sure that was really unsettling for her, but she said she was really anxious, worried she was going to get in trouble all the time. She said she had felt lots of pressure about her grades, which I found was interesting, too. Because it wasn’t from me. It wasn’t from anybody outside. It was from within herself, which was so interesting to me again, because we haven’t had that. That hasn’t been a thing for us in our lives or for her before that. But I think again, it’s the culture of the environment, of the school environment. The expectations, people are getting in trouble for not meeting expectations. It’s a lot of pressure all of the time, compounded pressure all the time. So, let’s say she was exhausted. She was really burnt out. She got sick a lot. So, we started racking up lots of absences. Terri, like you were saying, so then I’m spending these mornings, half awake, going, Oh, gosh, do I? Is it okay for her to stay home? Or should I go ahead and say you’re going, why am I? Why am I even having this conversation with myself right now? This is ridiculous. But it’s part of the system, right? It’s just it’s part of it. And then after you get so many absences, you get a letter. You have too many absences. We got a letter at the end of the semester. So, that was another stressful thing. I was like, Oh, my gosh, what does this mean? What does this mean for next semester? But anyway, she was really exhausted. She was not sleeping well. Something she learned about school was, this was what she said, she just doesn’t have time for it. She’s busy. She doesn’t have time for school, it takes too much time. And she wasn’t able to spend time with her friends, her pre going to school friends. Her homeschool friends, her online friends, or she really cut into that time. And I think that was really hard for her. So, then what she would end up doing, well, at first, she was going to bed early, it wasn’t that big of a deal, it’s okay, or whatever, worth it, maybe to try. And then after it wasn’t worth it anymore. She really, really needed to be able to spend time with her friends. And she would do that. And she would stay up. So she would stay up at night to do that. She would not get the hours of sleep that she needed to go to school or to to feel good at school. I mean, so she was just exhausted. At this point, she does not have any plans of trying school again, that I know of, I mean, maybe online or college or something like that. We’ve talked about stuff like that, but not going to the local public school. And I just have to wonder, and really, I feel like actually, I don’t really have to wonder that much. I think because she entered into it with it being this open opportunity. And then that was taken. That agency was taken. And then she was having to continue to go for longer. I just don’t know if she would chance it again. And then not being able to come out at her choosing when she knew. So that was it. I mean, it was rough. There were some really fun things about it. But altogether, it was very rough. And she’s not interested anymore. TERRI: Yeah, and that sounds like Stella. ANNA: Yeah, for sure. So just because we didn’t really cover this specifically. Stella did decide to come out, Terri, your daughter, and then Ari, your daughter is still enjoying it. Ready to go back, I guess it's summer break now, though, maybe, and she’ll be going in soon for the fall. ARI: Yes, she’ll be starting fifth grade in the fall. I definitely think about, how do I keep the options open? Of course, she can always stop. But because the social life is so important to her, I think it would be very hard for her to choose to go away from school, even if there were other aspects that she didn't like. Like the forced learning, the forced homework stuff, if that got to be hard, would she, it might be a challenge for her to weigh those two things. And so sometimes I think about keeping up my capacity, the kind of friendships I have with the unschooling community, so that if she were to choose to come out, it would be an attractive option. Anyway, that’s another thing that I consider sometimes. But yeah, she’s going to school in fifth grade. And she’s also had some influence on her younger sisters. So, they would also like to try school soon. PAM: Yeah, that’s what I was going to say, if anybody would like to speak to that, because your kids who chose to go to school or try school have siblings as well. And just how that unfolded having one sibling going to school, like managing the schedules, too. And as you said, Ari, a little bit of it is just the excitement of it, or that she would like them to be there too? ARI: I think it’s a whole combination of those things. There’s this joy that she had that she wanted her sisters to experience too. She did talk about it, we could see each other in the hallways, we could be at recess together, you would have this teacher that there’s this knowingness. And at first, I had more resistance to her sisters being influenced by that than I did with her initial decision to go to school, because I could tell her decision was from herself. And her sisters were being influenced by her. And at first I was resistant to that. I wanted to provide information to my other daughters about listening to what they wanted. There’s plenty of time. Don’t have to do it now. I wanted to share with them a little bit about what I think happens in school. So we talked about it. But ultimately, I had to let go of wanting zero influence from my oldest because that’s how our family is part of their life, right? So, they get to decide how much to listen to her and to try something that she’s suggesting, and learn from that experience. So, we’re embracing it again. ANNA: It’s going to be really fun to see how that plays out. But I think for all of them, it may be a lesson in people are different. To find that something that works so well for one may not for the other or it may be that it works in a different way and is still beautiful. But I think that’s going to be really interesting. I am curious about that. So Terri, how did their brother feel about it? Or did that ever bring up topics of conversation? TERRI: Oh, for sure. We ask every once in a while, like, Oh, are you ever interested? And the answer is always no. And always a hard no. So it could change and grow over time. But I know he said, and I asked if I could share this. And he said, Okay. So, his main reason is that he wouldn't go to school, is that there might be some things he wants to do, but there might be things he doesn’t want to do. And he doesn’t want to be told he has to do the things that he doesn’t want to do. Right? It’s agency, he loses his agency. He’s eight. And it’s true. I mean, you don’t have a whole lot. Some of it’s really great, fun stuff. But you still have to do it in a certain order, you still have to do it for a certain amount of time. That’s his main reason. I asked him if there’s a difference from when she’s at school to when she’s home now, and he wasn’t really able to say. From our perspective, kind of observing, I think they’re playing a lot together, with their online friends, they’ll all be in a call together, and they’ll play online. Right now they’re out on the trampoline together, I feel like, when she went away, it did create a bit of a separation. And then when she came home, she kind of wanted to do her own thing. If she goes back again, that can always be different too, as they grow. But yeah, it’s something I noticed. ANNA: Did Riley have anything to say, Kinsey? Or did she just think, that’s Emmy, Emmy doing Emmy. KINSEY: Emmy’s doing Emmy things. Riley has absolutely no desire whatsoever in going to school. And she didn’t have any feelings about Emmy going to school either. It was hard with the schedule expectations. When it was okay for Riley to stay up late and be playing, or video games, laughing with my mom late at night, when I was trying to help Emmy wind down and try to get her enough sleep for school the next day. Just trying to be aware of all of that. But it was a little bit tricky sometimes. Just didn’t feel good. TERRI: Yeah, I agree. We got into that too. Their rooms are next to each other and going in at night and say, could you just play quietly? It’s after 9. I would say after nine, can you make sure headphones are on and speak in a low voice just just to help your sister out. So, sometimes it got uncomfortable. You’re just like, be quiet, be quiet, reminding to be quiet. But, no, I don’t want to, I don’t want to do this to you. But I also want your sister to sleep. KINSEY: You end up kind of having to be an enforcer. And that’s not where I want to be at all. It is not at all the position that I want to be in. And that actually can really bother people. And did bother people that I was not interested in forcing anyone to do anything. ANNA: Yeah, because they all have ideas, right? I’m just going to pull out a couple things. And then we’ll just talk about what came up. I thought it was so interesting, because we’ve seen this a lot, Terri, that you mentioned, the lead up is so much more stressful than the actual event of going to school. Because I think we see that over and over again, with people who unschool their kids, there’s a lot of worry about what’s going to happen, what’s it going to be like, and really across the board, kids that have stayed or not stayed. So, while it’s not that it’s always the perfect match, the fears that we had ahead of time really don’t play out. So I thought that was really interesting. And then Kinsey, that piece you were talking about with adults and kids, I was thinking just of all the adults in Emmy’s life, she has so many beautiful adults in her life that just celebrate her and delight in her and how that delta must have felt really intense. And I think in other situations, it may not, but I think that is, I think, a hard part about it, that kids and adults, we kind of set up this adversarial relationship that doesn’t need to be. And we see in our lives how it doesn’t have to be that way. But it is a part of that environment. And then just quickly, Ari, that idea of community, I’m working with someone who has this vision of creating a community village. That is to me kind of the dream, because it is bringing adults and kids together to just learn and explore and have resources together. And I think, oh my gosh, if this actually works, it would be amazing. Because we do like community. It is fun to share resources. It is fun to have those different opportunities. But why do we have to be at a place where we have to give away so much agency and where we have to really segregate kids is so hard. But I love your point that for your daughter, it’s worth it, right? She’s getting out of it what she needs to get out of it right now. And it may always be that way for her. I think it’s just, it’s a good testament to sometimes we do need to experiment. It’s their own life. They need to see what works for them, because there is no one right answer. A lot of things bubbled up when you were talking. PAM: That’s what I did. I did really appreciate the point of this. Okay, I’ll finish my sentence. The point of how the lead up can be so much more challenging than the actual experience. And we see that so often, when parents are almost feeling like they need to adopt the school authority before the child even starts, because now I have to make sure they’re up to grade level or whatever, whatever. And we encourage them so often, that there are kids in school right now at every level in any topic. So number one, is that you don't have to use your authority and change your relationship completely with your child, so that they can become what you imagine to be a good student before they even go to school. You've been unschooling for years and then school comes in. And then now there’s just so much processing to do. And you guys all spoke about how that was yours, and your work to do. And I think you all expressed that beautifully, which leads into the other piece that I was just so happy for you all to come and talk about your experience, because it doesn’t need to change your relationship at all. As we talked about the unschooling principles that can weave right through your days, and that the focus is still on the child, and their choices, and how they’re helping them process how they’re experiencing things. We talked so much about giving them space, without needing to jump into fix, you really need to give them the space to do their processing, right? And, and then sometimes asking, do you even want me to say anything? Would you like my experience? Would you like to hear what I’m thinking about it? You don’t have to lose that relationship that you have with all your children, just because one or more choose to go to school. Fundamentally, it’s still an exploration. And yeah, you mentioned being open and curious multiple times, I think that really is so huge, because that reminds us to see things through their eyes, to see how the experience is feeling for them, to see them choose the hard things. So often, people say you can’t give kids a choice to go to school, they’d never go to school. They’d never do hard things, so much of the societal narrative around kids only doing things when they’re forced to do things is just bunk. Because when you give the kids a space to actually think about what they want to do and make choices, and see how they unfold and continue to make choices, you see them in action, their choices make so much sense, even if we would not make the same choices ourselves, the choices they’re making in that moment, make sense. And just see them doing so much competent processing and choice making, right? Think of all the experience that they get just with that, in figuring out what they want to do day to day. Anyway, thank you so much. ERIKA: I think it’s so interesting. And I love how we got to hear such different experiences. And it reminds me of people are different again, every child is so different. And all the teachers are different. And it’s kind of the luck of the draw with that sometimes and what is the school environment like? And so I just think it’s super unique. And so that’s really fun to hear about. And then also, I just wanted to mention how I know sometimes when a child wants to go to school, it really can trigger an unschooling parent big time thinking I must be doing something wrong. If they’re asking to go there, I’ve been doing all the deschooling, convincing myself about how damaging it was in various ways. And just really questioning the importance of that. So, I know it’s such a journey for parents to go on in this case. We want to be able to support them in going, without us going back to our previous mindset, which I think is so hard. And so yeah, I feel like I’ve heard some parents say, we’re not unschoolers anymore, because our kids are in school, or, have that kind of feeling. And that’s why I feel like we always like to keep talking about unschooling as more of that focus on relationships, these kinds of things of giving our kids autonomy and all of that. And so you don’t lose that just because they’re back in school. And so I think that’s really cool. And if anyone has anything else that came up? TERRI: I will echo what Pam said of this fear that they’re not going to be ready. How many years did we not work on specific math things or specific writing things or printing or handwriting, and I’m thinking what will it be like? But she seemed to excel every time I talked to her teacher, she’s like, oh, she’s so wonderful. She asks questions, and she’s involved and is very good. I mean, that could be just her too. But our children are just built for learning, right? They’re built for learning, and they go to school, well, supposedly to learn. So, they’re coming in and the teachers are ready to teach. It doesn’t matter where the kid is. Because again, like Pam said, there are 10 different levels in a class of 15. Every child is different, even if they went to school from age five, or they’re just starting now. And yeah, if I can just underline that, don’t worry about it. I worried about it too. I just wasted energy worrying about that. ANNA: Yeah, I think it’s the choice thing. Because I think when someone’s choosing to be there, I think the teachers just love that because these teachers are beautiful people, right? They are there because they love kids, because they want to create a great environment. And so to have a child who wants to be there and is excited to be there and wants to hear what they have to say, that’s going to just set them so far ahead. Even if they don’t know every single thing that someone else next to them knows, I think that energy of that choice makes such a difference. KINSEY: Okay, that really brought something to mind. She did mention a lot at the time. And we’ve talked about it since then, too, but it was so frustrating to her being in a classroom setting when it was so clear that children didn’t want to be there. If it’s something interesting that they were doing that she really wanted to participate in, or wanted the teacher to be able to explain how to do it because she wanted to do it. And then there were classroom management things going on. It was really, really frustrating for her. And she would get really frustrated at the other students and couldn’t understand. But it’s a totally different story, you’re coming from a completely different place. And she’s even seen that in homeschool classes. She went to a zoology class for a semester, I don’t even think she went the whole semester, she was kind of bored with the classroom set lecture style setting. There was, again, another thing she wanted to just try. And, but it was the same. You could tell that there were children there who really probably weren’t interested in being there. They were there because they were being put there. And it was frustrating. It was really frustrating for her. So she likes being a part of things and group stuff and class stuff when the others are there and choosing to be there. They want to be there. And they want to learn and because that synergy feels good, you know. PAM: And I will say we saw that too in rec classes, like with Michael’s karate. There were some kids who were there because their parents wanted them to be there, for whatever reason, so it wasn’t their choice. And I remember him having the same kinds of reactions and being so happy to be asked to move up to the adult class a year earlier than typical, because it’s a choice. So everybody there wants to be there and everybody’s into it. Fundamentally being able to choose where you go makes such a difference. Just look at kids at school and think these are kids. That’s why society in general thinks kids don’t want to learn. You have to make them do things. But that’s just because that’s the situation you’ve put them in and they are reacting to the situation. That isn’t them naturally as a human being, as a child, that is a young human being in that environment. Yeah, so interesting. ERIKA: It’s really sad to think, most kids don’t have that experience of getting to follow their own interests with other people who also want to follow that interest. It’s such a different environment. ARI: So, just on that choice piece. There’s also a choice of what to make of the metrics. There’s metrics everywhere. Like my daughter took, I think, three practice tests, three progress tests, and then the state assessment at the end of the year. And she got four report cards. They’re always telling her stuff about herself. But we talked about how you have a choice of how to interpret that, which was not my experience. For 22 years of my life, I thought this authority knows me better than I know myself. So, I like viewing the assessments very differently, too. It’s huge. ERIKA: I feel like that just creates a whole different experience, so much more empowering for your kids. Thank you all so much for joining us. This was amazing. And we hope everyone at home enjoyed the conversation. And we invite you to join all of us in the Living Joyfully Network. It’s a warm and welcoming online community of hearted parents, a nonjudgmental space where you can explore what the ideas might look like day to day in your unique family, and be a part of conversations that are just like this. Your first month is free. So you can get a sense of whether it’s a good fit for you. And we would be really excited to welcome you to learn more. And to join us, you can follow the link in the show notes or just go to livingjoyfully.ca and choose network at the top of the page. Thank you so much and wishing everyone a wonderful day. ALL: Thank you. Bye!

John Maytham speaks to Hellen Kahaso Dena, Pan-African Plastic Project Lead at Greenpeace Africa, who is calling for South Africa to move beyond levies and introduce a total legislative ban on single-use plastic carrier bags. She argues that responsibility should shift from consumers to producers and retailers, while investment in refill and reuse systems offers a more sustainable long-term solution. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

The Lindsay Clancy murder trial officially got underway this week with opening statements in Plymouth Superior Court. Clancy, 34, of Duxbury, Massachusetts, is accused of strangling her three children — 5-year-old Cora, 3-year-old Dawson, and 7-month-old Callan — with exercise resistance bands inside the family's Summer Street home on January 24, 2023. She faces three counts of murder and three counts of strangulation, and has pleaded not guilty. Her defense, led by attorney Kevin Reddington, rests on an insanity claim: that Clancy was in the grip of severe postpartum psychosis and psychiatric overmedication when the killings happened.Prosecutors weren't interested in letting that framing sit unchallenged. Assistant District Attorney Shanan Buckingham opened by telling jurors this was a premeditated act, not the product of a psychotic break — setting up the central question the entire trial will hinge on. Every witness, every piece of evidence going forward gets filtered through that split: did Clancy's mind fail her, or did she make a choice. Buckingham's opening didn't waste time easing into it.After the killings, Clancy allegedly attempted to take her own life by jumping from a second-story window, an act that left her paralyzed from the waist down. Her husband, Patrick Clancy, was out of the home running errands when it happened and has since relocated to Manhattan, where he's spoken publicly about her mental health struggles. The trial, presided over by Judge William F. Sullivan, is expected to stretch across several weeks.LinksJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#LindsayClancy #DuxburyTragedy #OpeningStatements #PostpartumPsychosis #TrueCrime #PlymouthCounty #CoraDawsonCallan #InsanityDefense #KevinReddington #TrueCrimeToday

When should a character or narrator use a quote? Does it have to be attributed? What about aping characters from an existing property? How do you do that? Most importantly, what kind of trouble can you get into? The DRS Crew discusses.   DRS caffeinates with Larry's Coffee. If you want to purchase fair-trade, organically grown beans that brew into smooth, balanced, never-bitter coffee, visit LarrysCoffee.com/drs, receive a free gift with your purchase, and help support The Dead Robots' Society. Our links: Paul's store: https://payhip.com/paulecooley Paul's site:  https://shadowpublications.com Terry's site: https://www.terrymixon.com/ Veronica: http://www.voicesbyveronica.com/ DRS Discord: https://discord.gg/pgmQxaVbGP Enjoy the show? Consider becoming a Patreon or Buy Me A Coffee supporter and for as little as $1 a month, you can help keep the podcast free and receive exclusive content. More information at https://patreon.com/drspodcast  and https://buymeacoffee.com/drspodcast. #writing #fiction #podcast #chat #live #novel #story #narrative #publishing #author #writer #discussion #podcast #talkshow  

Marian Harkin, Minister of State at the Department of Further and Higher Education and Independent TD for Sligo- Leitrim // Roderic O'Gorman, Green Party leader and TD for Dublin West // Mark Ward, Sinn Féin TD for Dublin Mid-West.

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

E-scooter risks have dominated conversation this week, after Taoiseach Micheál Martin said he is “leaning towards” a complete ban. Also withTánaiste Simon Harris said that he would keep an “open mind” on an outright ban on e-scooters. But is an outright ban our only option left? To discuss further with Jonathan was Shane O'Donoghue, Editor of Completecar.ie and Sadhbh O'Neill.

E-scooter risks have dominated conversation this week, after Taoiseach Micheál Martin said he is “leaning towards” a complete ban. Also withTánaiste Simon Harris said that he would keep an “open mind” on an outright ban on e-scooters. But is an outright ban our only option left? To discuss further with Jonathan was Shane O'Donoghue, Editor of Completecar.ie and Sadhbh O'Neill.

Also, England's World Cup dreams are shattered after losing to Argentina in semi-final

Join Sia Nejad, Buckets, Brad Thomas, Matt Snyder, and Amags as they dish out their picks for France vs. Spain and the MLB All-Star Game!(0:00) Intro(2:36) Monday Recap Screen(7:00) Buckets' World Cup & Soccer Picks(12:24) Amags' All-Star Game Bets(20:03) Brad's World Cup Picks(22:52) Sia's Open Champ. Outright(26:00) World Cup RAPID FIRE Picks Pt. 1(28:25) Snyper's All-Star Game Bets/Parlay(31:00) Bonus France-Spain Bets, All-Star Game Picks

Join Sia Nejad, Propstarz, Larry Hartstein, Adam Thompson, and Calvin Wetzel as they dish out their picks for HR Derby, WNBA, and MORE!(0:00) Intro(2:44) Weekend Recap Screen(6:01) Propstarz Home Run Derby Pick and MLB Future(8:37) Calvin's WNBA Parlay(13:52) Adam's Home Run Derby Picks(18:25) Sia's Open Champ. Outright(20:15) Larry's NFL Future and NBA Summer League Bet(23:40) BONUS home run derby, WNBA Picks

Elise Lagerstrom — Eric's sister and two-time desert ultra champion — joins us to recount winning the Gobi March outright, becoming the first woman in the race's 20-year history to beat all men across a 250-kilometer, seven-day self-supported ultra through central Mongolia. We cover everything: the emergency electrolyte crisis at mile 12, how she managed a 52-minute buffer over second place through the legendary 80-kilometer Stage 4 long march, what carrying a 25-pound pack for 155 miles has to do with running ability, and why this kind of racing is so much more tactical than it looks. Then Paula emerges from a rough morning to join us for the second half.This week we discussed:Elise Lagerstrom's Gobi March race recap: the first woman to win the 250K Mongolian desert ultra outright in 20 years of the eventSelf-supported racing explained: what you carry, what the race provides, and how the tent situation worksStage 4 long march — 80 kilometers in a single day and why Elise knew it was her momentThe near-crisis at mile 12 and how she corrected her electrolyte strategy mid-raceWhy running ability matters less than you think in a 30-hour race Racing vs. surviving: how tactical the Gobi March actually gets, day by dayThe Roth swim controversy: how the men's field used a coordinated swim paceline to finally beat ChristianPaula's take on Alanis Siffert's stunning Roth win — and her 2:45 marathonShould this new collegiate national champion race his first pro 70.3 on a road bike?Altitude racing tips for Leadville: heat training as the poor man's altitude prep, and the two-weeks-or-right-before ruleWhen should you replace your running shoes — and the case for buying three pairs at onceHow motivation in triathlon evolves: from proving yourself to something harder to namePaula's first Iron Man in two weeks: wetsuit neck chafe solutions, and why Paula hates the words "Ironman training"Donut run at Lake Placid: Friday, 3 PM — come find usA big thank you to our podcast supporters who keep the podcast alive! To submit a question for the podcast and to become a podcast supporter, head over to ThatTriathlonLife.com/podcast

Deferred maintenance is piling up at parks across the state, contributing to more parks going up for sale. Outright closures, like the evictions of residents at the Green Mountain Mobile Manor, are fairly rare.

James Palmer, NFL Insider at Bleacher Report, joins Afternoon Drive on The Fan. He talks about his quarterback idea for the Browns, what should happen if the QB competition ends in a tie, what success looks like for Todd Monken in 2026, and more.

https://www.youtube.com/watch?v=SgDAjItb2wk Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Carver and Simon Holden preview the odds and betting angles for the 2026 U.S. Open Championship at Shinnecock Hills Golf Club. The golf betting experts examine their betting strategies for the event, preview course conditions, and look for best bets and value players in the field. 00:00 Mike and Simon Back For The US Open 2:32 Tournament Preview 12:33 Previous Winners 16:38 Key Trends 23:15 Winner Market 46:48 First Round Leader 53:58 Best Bets

Rachel Entrekin is a professional ultra runner and three-time Cocodona 250 champion who just won the race outright. This conversation explores the mindset behind that feat. We discuss her shift from chasing outcomes to chasing joy, her "why not me?" self-belief, an unexpected encounter on the final climb, and her road back from an eating disorder. Along the way, she reminds us how much more we're all capable of than we believe. Rachel is a bright light. Enjoy! Show notes + MORE Watch on YouTube Newsletter Sign-Up Today's Sponsors: Rivian: Electric vehicles that keep the world adventurous forever

Erik Deatherage speaks with Dakota OutRight President Jeigh Stewart and Past President Erin Pringle about the Bismarck-based LGBTQ nonprofit. Then, we hear from Heart-N-Soul Community Café founder Leola Daul about their "pay what you can" structure, and the café's 10-year anniversary celebration.

In this episode of Capping the Cup, expert soccer handicappers Devin and Jordan (The Soccer Sharps) break down their top futures bets for the upcoming World Cup. Whether you are looking for long-term value or specific market edges, we cover everything you need to build a winning betting strategy. Join us as we analyze the following markets: Tournament Winners: Identifying high-value contenders. Group Winners: Predicting leaders and potential upsets. Dual Forecasts: Maximizing returns on group stage progression. Team Totals: Over/Under analysis for scoring output throughout the tournament. Team Top Scorers: Finding the best value in individual awards. Round of Elimination: Strategic positioning on tournament depth.   Never miss an episode of Capping the Cup: Watch on YouTube: Subscribe to The Designated Pundits for full-length video breakdowns. Listen to the Podcast: Search for The Soccer Sharps and subscribe on your favorite podcast platform (Apple Podcasts, Spotify, or Google Podcasts) and hit subscribe. JOIN OUR DISCORD SERVER! EMAIL US!  FOLLOW US ON SOCIALS: X: @TheSoccerSharps TikTok: thesoccersharps Instagram: @TheSoccerSharps Bluesky: @thesoccersharps.bsky.social  The Soccer Sharps podcast is part of The Hooligan Soccer Network.  #SEO #SoccerBetting #WorldCup2026 #SportsGambling #TheSoccerSharps #TheDesignatedPundits #CappingTheCup #BettingTips #SoccerAnalysis Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Will Doctor gets you ready for this weeks golf events. Learn more about your ad choices. Visit megaphone.fm/adchoices

With the WTA 2026 French Open in the books, Nigel Seeley and Tim Dennis turn their attention to the betting markets for the WTA London 500 HSBC Championship & WTA 250 Hertogenbosch Libema Open events. The betting experts look at the tournament draws, outright markets, key trends, weather conditions, and important matchups. 00:00 French Open Final Reaction 04:36 WTA London Conditions 06:55 WTA London Previous Winners 07:26 WTA London Draw Breakdown 16:10 WTA Hertogenbosch Conditions 17:12 WTA Hertogenbosch Key Trends 18:24 WTA Hertogenbosch Previous Winners 18:55 WTA Hertogenbosch Draw Breakdown

The biggest World Cup in history is almost here! With the tournament expanding to 48 teams across the United States, Canada, and Mexico, join Seth Woolcock and guest Fynn Krause as they break down the best betting opportunities ahead of the 2026 FIFA World Cup. With recent international success, can Spain breeze through their group into the knockout stages? Can Brazil reverse recent history and finally make a deep World Cup run? Plus, will long-shot the Netherlands, capitalize on their strong attacking form and shock the international stage. Timestamps: (May be off due to ads) Intro - 0:00:00 Tournament Format - 0:01:09 Group Stage Bets - 0:03:21 Group Stage Fades - 0:08:40 Outright & Team Futures - 0:12:16 Hard Rock Bet - 0:18:15 Player & Award Markets - 0:20:25 BettingPros App - 0:24:07 Final Value Card - 0:24:50 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Mark O'Haire and Adrian Clarke return alongside host Daniel Hussey to officially kick off the Matchbook Podcasts for the 2026 FIFA World Cup. We will cover a range of Outright Markets including Winner, Golden Boot, Group Winner, as well as best bets and long-shots. 18+ | BeGambleAware

With the FIFA World Cup on the horizon, Mark O'Haire and Miguel Delaney join Matchbook's Daniel Hussey to have a check-in on what factors to consider, the impact of the host nations and some early outright fancies. 18+ | BeGambleAware

DEAR PAO: May a public employee be dismissed outright for being found positive with illegal drugs? | May 23, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcher Tune In: https://tmt.ph/tunein #TheManilaTimes #KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Thirty-four million dollars.That's what it costs to buy a congressional seat in America. Not rent. Buy. Outright. Like a foreclosure auction, except the property is a democracy and the bidders live in a different country.This week, Thomas Massie, a seven-term Republican who voted with Trump 94% of the time, was primaried out of Congress in the most expensive House primary in U.S. history. His crime? Pushing the Epstein files. Fighting the war in Iran. Introducing a bill to make AIPAC register as a foreign agent. His replacement is a man with no public platform, no public birthday, and $34 million in outside money from pro-Israel lobbying groups and three billionaires who have never been to Kentucky.Meanwhile: The DOJ created a $1.776 billion taxpayer-funded "Anti-Weaponization Fund" that could pay out January 6th defendants, Proud Boys, and Oath Keepers, and gave Trump permanent IRS audit immunity as a bonus. Two Capitol Police officers are suing to shut it down.The Trump administration indicted 94-year-old Raul Castro on Cuban Independence Day at Miami's Freedom Tower, directly next to the future Trump Library, in the middle of an oil blockade that has left Cuba without electricity and healthcare. Justice or political theater? (We both know the answer.)The Senate finally advanced a war powers resolution on Iran. On its eighth try. The House still can't get it done by one vote. The guy who led the fight just lost his seat.Spencer Pratt, the villain from The Hills, is running for Mayor of Los Angeles. His campaign is staffed by MAGA operatives. He compared himself to Obama. We need to talk about it.This episode breaks down who paid for what, who benefits, and what it means that every single institutional guardrail designed to prevent authoritarian consolidation is either neutralized, captured, or under active assault.TIMESTAMPS: 00:00 | Cold Open: The $34 million hit job on Thomas Massie and the MTG quote that should terrify everyone.02:15 | Housekeeping: Socials, Patreon, and a warning that this is a heavy one.04:00 | The Indictment That Isn't: The DOJ indicts 94-year-old Raul Castro at a staged ceremony next to the Trump Library. On Cuban Independence Day. During an oil blockade.14:00 | The Most Expensive Hit Job in American History: AIPAC, three billionaires, and $34 million to destroy the last Republican who asked questions about Epstein and the war.26:00 | The $1.776 Billion Loyalty Bonus: Trump's taxpayer-funded slush fund for insurrectionists. Two Capitol Police officers are suing to shut it down.34:00 | The Eighth Time Is Sort of the Charm: The Senate finally advances a war powers resolution on Iran. The House still can't. The guy who led the fight just lost his seat.40:00 | The Villain Arc Nobody Asked For: Spencer Pratt is running for Mayor of Los Angeles. His campaign is staffed by MAGA operatives. He compared himself to Obama.46:00 | The Good Murdoch: James Murdoch buys New York Magazine, Vox.com, and the Vox podcast network. It might actually be good news.51:00 | Reality Check: Who benefits, what's gone, and why the exhaustion is the strategy. Count the guardrails.Become a supporter of this podcast: https://www.spreaker.com/podcast/we-saw-the-devil-unfiltered-political-analysis--4433638/support.Website: http://www.wesawthedevil.comPatreon: http://www.patreon.com/wesawthedevilDiscord: https://discord.gg/X2qYXdB4Twitter: http://www.twitter.com/WeSawtheDevilInstagram: http://www.instagram.com/wesawthedevilpodcast.

The Spurs were supposed to walk all over the Twolves. Someone forget to tell that to Minnesota. Matt is back to recap the big win last night for MN and preview the games tonight including Pistons v Cavs. 

Ian Fortune and Paul Lawrence return for the 2026 Greyhound Derby, which kicks off this weekend. Subscribe for free to our YouTube channel: https://bit.ly/3TpGzk1 Twitter: https://bit.ly/3Trz7Fb Facebook: https://bit.ly/3cqQlC4 Instagram: https://bit.ly/3Aq7qE0 Search Matchbook Insights for our latest written previews. 18+ | BeGambleAware

Council estate South London to 30 mergers and acquisitions. No capital, no plan, but always knew wealth was what he wanted. Lee Smith went from DJ to jewellers to law firms to web design and IT—then discovered mergers and acquisitions in 2014 and everything changed. Now he's building two sector groups to £10M in profit, buying businesses at 3-4x multiples and exiting at 7-10x, and he's got some contrarian views that'll make you rethink everything about UK business ownership.In this episode, Lee reveals why buying 100% of a business is almost always the worst deal structure, why you don't need to understand what a business does to own it successfully, and why by the end of this decade the most valuable asset in Britain will be an SME producing profits. He shares his ethical partnership structure that keeps founders and directors aligned, explains how he bought an HVAC company he barely understands and grew it while only being there one day per week, and why he thinks the UK government is waging war on business owners—making it harder to employ people, easier for rogue employees to sue, and creating a clear choice by 2030: own a business with options and spare cash, or be an employee struggling more than ever.What you'll learn:

Hear from Eddie Hearn alongside fighters George Liddard, Jimmy Sains, Louie Ward and Giorgio Visioli after a quality card in London on Saturday 21 March 2026. The promoter admits he'd like to see Liddard defend his British Title twice more and win outright following victory over Tyler Denny. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's Sports Daily covers your picks for Round 1 of the NCAA Tournament, what I'm looking to do with my brackets, who has upset potential, should you go chalk on the higher seeds, & the World Baseball Classic. Music written by Bill Conti & Allee Willis (Casablanca Records/Universal Music Group)  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nigel Seeley and Sean Calvert discuss betting strategies and odds movement for the ATP Miami Open, the second leg of the Sunshine Double. The betting experts analyze the weather conditions and preview the field of play, providing betting insights on the top players and best bets. 00:00 ATP Indian Wells Round Up 04:25 ATP Miami Open Preview 12:40 ATP Miami Open Winner Futures Market 25:45 Denis Shapovalov vs. Botic van de Zandschulp 30:10 Giovanni Mpetshi Perricard vs. Camilo Ugo Carabelli 34:55 Fabian Marozsan vs. Joao Fonseca 40:15 Zhizhen Zhang vs. Adrian Mannarino

Why do so many change initiatives start strong… then quietly die? In this episode, Dave reveals the 10 hidden reasons change efforts fail—and how to make your next move actually stick so you don't lose momentum, credibility, or results.

Scotty G & Tim LaComb MWC & Big 12 tournament  Good, Bad & Ugly Whole World News

Table of Contents: Israeli Jews & Christian Zionists Want To Build The Third Temple–Which They Believe Will Herald The End Times & Their Awaited Messiah (Who Will Turn Out To Be the Antichrist) See Scott Johnson's Teachings: ++The Gog and Magog War, The 1000 Year Millennial Reign of Jesus Christ, The Abomination of Desolation, The Rebuilt Temple, The Image of the Beast, The 7 Year Tribulation Bible Study September 18, 2011 ++The Pre-tribulation Rapture vs. The Post-tribulation Rapture–Parts 1-4–December 22, 2011 Catherine Austin Fitts Interview: ‘The goal is to depopulate and control the remnant' Wars are fought over shipping routes and resources, not to liberate any oppressed people group  Iran Raises The Red Flag Of Revenge Over The Jamkaran Mosque As Shiite Muslims All Over The Globe Start To Commit Acts Of Terror 3 Grand Ayatollahs Have Declared Global Jihad Against The United States And Israel, as their followers now have an obligation to conduct a holy war. From this point forward, millions of Shiite Muslims all over the world will go to war  IRGC – Americans Will No Longer Be Safe; Not Even in their own homes Iran has officially declared JIHAD against the United States and Israel.  We Went from “4 days” to ” 4 weeks” and now, “Maybe Boots on the ground” in Iran Update: The Iran War Could Last 8 Weeks, Not 4 Weeks As Previously Thought, Hegseth Says The U.S. Is LOSING The Iran War & Here’s Why! Russia Sharing Far More Military Tech With Iran Than Previously Known Russia says it will do everything possible to make US-Israel military operation against Iran impossible.  Iran Targeting Global Internet – Bombing Major Data Centers Mood Inside Pentagon: Intense. Paranoid. Turns out the ‘Experts’ were wrong–PODCASTERS WERE RIGHT ALL ALONG! Russia and China are helping Iran. Payback to the US for what the US has been doing to Russia by supplying Ukraine with weapons  S. Missile Supplies Armies of Disinformation, Propaganda, Outright lies; Covering the Iran War Almost Impossible Strait of Hormuz Closure Enforcement; But Iran Didn’t Close it, London Did, Through INSURANCE CANCELLATION Qatar Natural Gas Declares “Force Majeure” – All Gas output HALTED Iran Begins Targeting Oil Infrastructure in Middle East & What This Could Result If This Continues–China Orders Major Fuel Refiners to Halt Diesel and Gasoline Exports Immediately: BETWEEN VENEZUELA AND IRAN THE USA HAS A CHOKE HOLD ON CHINESE OIL—SO CHINA WILL HAVE TO DO SOMETHING AND WILL NOT SIT IDLY BY  Unable to Ship–Middle East Oil Nations Face SHUTDOWN of Oil Wells!! “Apocalyptic”: Massive Fireballs Over Tehran as Bombs Hit Iran, A ‘War of the Oil Refineries’ Opens Iran War Cost Tracker–Live Estimates of U.S. Taxpayer Spending–Based on the Pentagon’s preliminary estimate of $1 billion per day Nobody is discussing how utterly terrifying the food situation just got for the Middle East right now–Food Shipments to Persian Gulf Countries are now CUT-OFF! South Korea Chemical Plants Declare “Force Majeure” – Singapore “No Bunker Fuel” “This Will Bring Down The Global Economy”: Hormuz Chaos, ‘Mr. Gold’ Warns of ‘System Reset’ Delusional, Demon Possessed Trump Demands “Unconditional Surrender” of Iran or NO DEAL: There Will Be A SELECTION of New Leaders I Know Exactly Why Trump Turned on Me — Now I’m Naming Names PDF: Emergency Freedom Alerts 3-9-26 Click Here To Play The Part 2 Audio Source

Eric and Jason recap the exciting game between Utah State and New Mexico that resulted in an Aggie win and an outright Mountain West men's basketball championship for USU. The text chat gives their input with Eric and Jason answering questions on Utah State's win and a little about the All-MW awards. Also, they go over Utah State women's basketball's end to the season and how well Wes Brooks is doing in trying to turn the program around. 

Sam Webb, Josh Newkirk, and Alejandro Zuniga live from Champaign-Urbana, provided analysis of Michigan's 84-70 win over No. 10 Illinois at State Farm Arena, securing the Wolverines' first outright Big Ten title since 2014. The TMI crew highlighted key performances, including Morez Johnson's double-double in his return to Illinois. They also praised Yaxel Lendeborg for his strong two-way play and defensive impact. The discussion covered Aday Mara's dominant second half, Trey McKenney's timely three-pointers, and Elliot Cadeu's floor-generalship. Michigan's defensive efforts limited Keaton Wagler and David Mirkovic, while the team controlled the boards. Michigan, the top seed for the upcoming Big Ten Tournament, likely locked up its No. 1 seed in the NCAA Tournament with the win over the Illini. The episode concluded with a discussion on the importance of extending Dusty May's contract to deter NBA interest. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Does Michigan win the B1G outright tomorrow nightSee omnystudio.com/listener for privacy information.

Nigel Seeley and Sean Calvert preview the ATP Dubai Round of 32 and analyze the outright winner markets. The betting experts offer predictions for the ATP Acapulco and ATP Santiago tournaments including best bets, value plays, and key matches. 00:00 Introduction 3:40 ATP Dubai Preview 12:00 ATP Dubai Winner Market 17:05 Alexei Popyrin vs. Kamil Majchrzak 20:20 Zizou Bergs vs. Jenson Brooksby 24:20 ATP Acapulco Preview 27:50 ATP Acapulco Winner Market 32:50 Damir Dzumhur vs. Gael Monfils 37:25 ATP Santiago Previews 41:35 ATP Santiago Winner Market 46:40 Alejandro Tabilo vs. Tomas Barrios Vera 50:10 Francisco Comesana vs. Pedro Martinez

On this episode:Benton Boys & Girls clinch outright MEC Conference championships with a doubleheader sweep at Bishop LeBlondThursday ScoresWanna thank all of our great Sponsors who make all of this possible.Tolly & Associates Little Caesars of St. Joseph John Anderson Insurance, Meierhofer Funeral Home & Crematory HiHo Bar & Grill Barnes Roofing Jayson & Mary Watkins Matt & Jenni Busby Michelle Cook Group Russell Book & Bookball 365 The St. Joseph MustangsB's Tees KT Logistics LLC Hixson-Klein Funeral Home James L. Griffith Law Firm of Maysville Toby Prussman of Premier Land & Auction Group, HK Quality Sheet Metal, Redman Farms of Maysville, Melissa WinnHenke Family Farms, Green Hills Insurance LLC., Cintas, Thrive Family Chiropractic, IV Nutrition of St. Joseph, Roth Kid Nation Serve Link Home Care out of Trenton, Barnett's Floor Renewal LLC., Balloons D'Lux, B3 Renovations, The Hamilton Bank member FDIC, Wompas Graphix & Embroidery of LibertyEllis Sheep Company of Maysville, Bank Northwest of Cameron, Akey's Catering & Event Rentals, Brown Bear of St. Joseph, Wolf Black Herefords, The KCI Basketball Podcast Jacob Erdman - Shelter Insurance of Rock Port, Rob & Stacia Studer, Green Family Chiropractic , Annie & Noah Roseberry of Re/Max Professionals, Moseley Farms, Jake Anderson of Shelter Insurance A slice & a swirl of Maysville Adkison Barber ShopMoyer Concrete of Maysville Cody Vaughn Wealth Advisor with ThriventGallatin Truck & Tractor Grandmas Gun Shop in Agency Nash Gas in Dearborn Accurate Appraisal in St. Joseph Ryan Meyerkorth SeedB.W. Timber of Bethany Mosaic Medical Center of Maryville Exclusive P.R. of Chicago Great Than Financial Hogue Lumber Company of Albany Stifel in ChillicotheUnited Cooperates, INC out of Osborn & Pattonsburg MP and Sons Contracting in Maysville JA White Construction in Maysville BTC Bank Seth & Marcie Davis of the Fitz Group Home and LandGRM Networks Perry Plumming & Septic LLC of Rock PortCitizens Bank and Trust of Rock Port C&M Business Machines Deal Travel and Cruises LLCKovacs FireworksBray Farms of Cameron The Drug Store in Cameron Pettijohn Auto Center in Bethany Terry Implement Co., INC. Of Gallatin Re/Max Partners of Cameron- Dan & Staci Early The Bunker Club of Savannah North Central Missouri College in Trenton & SavannahCooters Plumbing in Lathrop Steven Frieden Excavating Gregg Lawn & Landscape North Mercer Athletic Booster ClubStronger Starts Now Wigfield Farms in Chillicothe

The season has officially kicked things off and we're rolling right up the road to Hampton, Georgia to the track formerly known as Atlanta Motor Speedway. In this episode we break down everything from the Daytona race, and dive deep into another drafting style race track, this one only 1.5 miles long.We look at some longer shots in the Outright market, a nice mix of odds in the Top 10, and we finish up with another mismatch in the H2H segment and wrap with the 2026 "Shay Parlay!"

Barnaby brings all the latest Tottenham Hotspur News including reports of a Spurs TakeoverSubscribe to my Patreon account to support me making Tottenham daily content here:https://www.patreon.com/BarnabySlaterPatreonWatch on YouTube:https://www.youtube.com/@barnabyslater_Instagram: @barnabyslatercomedyTikTok Football: @barnabyslaterTikTok Spurs: @barnabyslatercoys Hosted on Acast. See acast.com/privacy for more information.

Gayle explores the lives of Minnesota residents who are afraid to leave their homes, speaking with a Latin American native who is reluctant to leave her Minnesota home (3:30). Jim talks to Minnesota Secretary of State Steve Simon about threats to a free and fair election in November (13:30). Matt Quast is technical director.This Week's GuestsMaria, immigrant in Minnesota Steve Simon, Minnesota Secretary of State St. Thomas study on non-citizen votingEmail us:riverradio@marinecommunitylibrary.orgGovernment Links:City of Marine on St. CroixCity of ScandiaMay TownshipWashington CountyBusiness/Organization Links:Marine Community Library

We discussed a few things including1. Their career journeys2. Miami ecosystem3. Austin/Texas ecosystem4. Trends, opps and challenges for entrepreneurs and startup communities5. Outlook for 2026 Melissa Medina has over 20 years of experience as an entrepreneur, operator, investor, community leader and philanthropist. A native to Miami, she is CEO & Co-Founder of eMerge Americas with a mission of helping transform South Florida into a global tech hub. The eMerge Americas signature event, launched in 2014, is a global tech conference held annually at the Miami Beach Convention Center - this year's event is on April 22-24. With Melissa's leadership, the eMerge Americas conference now attracts more than 20,000+ attendees from over 50 countries. In addition to the annual conference, eMerge organizes year-round executive summits, innovation challenges, startup pitch competitions, masterclasses, webinars, a world-class global accelerator program, as well as publishes venture activity and investment insights reports.Melissa is also a Partner at Medina Ventures, an early-stage venture fund, as well as the President of the Medina Family Foundation, which has a mission to fund local initiatives that focus on mentoring children and empowering families. Melissa was named by the South Florida Business Journal as one of the “2023 Power Leaders in Technology.” Melissa also sits on the Board of The Miami Foundation. She is passionate about transforming Miami into a global technology hub and supporting Miami-based non-profits who seek to empower tomorrow's leaders. Most importantly, Melissa is a mother and most passionate about her 5 children.------Experienced in economic development, public policy, and venture capital, Paul O'Brien puts a focus on shaping the systems that enable entrepreneurship and innovation. He leads legislative and coalition strategy for Founder Institute, around issues impacting startups, capital formation, and civic infrastructure, and as publisher of Startup Economist.With a passion for media innovation and investment, Paul seeded MediaTech Ventures, a media industry venture development group. Former Venture Partner in Meaningful Ventures, O'Brien is Founder and Director of Funded House and Director of Founder Institute for Texas. Historically, a seasoned marketer with an early career at Yahoo! and HP. From there, Paul led the early growth of startups such as Outright.com (Acquired by GoDaddy), Zvents (Acquired by eBay's Stubhub), and MicroVentures (Venture Capital). Paul has an unusually strong technical background considering the role he tends to play today; he built websites in the '90s and continues to engineer and produce content at seobrien.com. He was featured in the book, Online Marketing Heroes, and frequently speaks at startup and media conferences.#podcast #AFewThingsPodcast

Was the Flood about destruction or mercy? Dr. Michael Cottle reframes Noah's story from Moses 8 and Genesis 6 as a powerful microcosm of the plan of salvation, highlighting God's repeated calls to repentance and the ark as a powerful symbol of Christ's atoning protection. ALL EPISODES/SHOW NOTESfollowHIM website: https://www.followHIM.coFREE PDF DOWNLOADS OF followHIM QUOTE BOOKSNew Testament: https://tinyurl.com/PodcastNTBookOld Testament: https://tinyurl.com/PodcastOTBookBook of Mormon: https://tinyurl.com/PodcastBMBook  WEEKLY NEWSLETTER https://tinyurl.com/followHIMnewsletter  SOCIAL MEDIA Instagram: https://www.instagram.com/followHIMpodcast Facebook: https://www.facebook.com/followhimpodcastTIMECODE00:00 Part 1 - Dr. Michael Cottle1:26 Episode teaser3:12 Bio6:58 Come, Follow Me Manual8:20 The Lord's plan to connect10:29 Everyone but Methuselah13:28 The merciful Lord of the OT15:19 The sons of God vs sons of men18:32 Enoch weeps and giants21:39 Electronic scriptures23:48 What is an order?26:08 Not hearkening29:11 Outright rebellion34:41 Parents teaching wickedness37:55 Repentance, repentance, everyone gets repentance40:12 The value of repetition44:43 “It repented Noah”48:00 Perfection's meaning49:49 An unpopular sentiment52:40 Parental responsibility to teach and prepare for eternity56:37 What has President Oaks recently said?58:40 Jesus in the Old Testament1:01:52 Object lessons1:05:40 God gives us a name1:09:09 Public vs private spirituality1:13:04 End of Part 1 - Dr. Michael CottleThanks to the followHIM team:Steve & Shannon Sorensen: Cofounder, Executive Producer, SponsorDavid & Verla Sorensen: SponsorsDr. Hank Smith: Co-hostJohn Bytheway: Co-hostDavid Perry: ProducerKyle Nelson: Marketing, SponsorLisa Spice: Client Relations, Editor, Show NotesWill Stoughton: Video EditorKrystal Roberts: Translation Team, English & French Transcripts, WebsiteAriel Cuadra: Spanish TranscriptsAmelia Kabwika: Portuguese TranscriptsHeather Barlow: Communications DirectorSydney Smith: Social Media, Graphic Design "Let Zion in Her Beauty Rise" by Marshall McDonaldhttps://www.marshallmcdonaldmusic.com

Get a First Look at the WM Phoenix Open with a quick overview of the course, field, and early betting odds at TPC Scottsdale. This episode covers: -Course preview and layout at TPC Scottsdale -Strength of field and notable players -Opening odds and early outright targets -Key stats and trends to watch -Initial thoughts to help you get oriented for the week Perfect for fans and bettors who want to get up to speed on the WM Phoenix Open before diving deeper later in the week. Drop your early thoughts in the comments and let us know who you're watching this week. #WMPhoenixOpen #PGATour #GolfBetting #GolfDFS #TPScottsdale Hit this link for DraftKings Draft One, Get One! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Within the quiet rolling hills of Vermont exists a sanctuary like no other. A space where love, community, self-discovery, acceptance, and belonging hangs in the air and on every proudly hung flag notifying everyone "You are exactly where and who you should be"   Listen in as Chynah and Emma Makdessi, director of camp programs at Outright Vermont talk about Camp Outright, how and when to apply for your camper, and why you should send your LGBTQ camper to summer camp this year! Transcripts & show notes @ https://vermontcwtp.org/podcast/ Follow us on IG @thesocialworklens

On January 3, the Trump administration authorized a large-scale military invasion in Venezuela that killed one hundred people. The US bombed infrastructure in and around Caracas, and in other states, and kidnapped President Nicolas Maduro and First Combatant (aka First Lady) Cilia Flores. Outright lies are being reported in the corporate media on a massive scale to justify crimes committed by the US military and to mislead the public. Clearing the FOG speaks with activist and policy analyst Leonardo Flores. Flores addresses many of the common myths and provides the facts you need to understand that President Maduro is still the President of Venezuela, that the US-backed far-right opposition led by Maria Corinna Machado has little power within Venezuela, that the Venezuelan government and the Bolivarian Revolution remain strong and united and that gains claimed by the Trump administration are exaggerated. He also discusses what people in the US are doing to mobilize in support of President Maduro and First Lady Flores. For more information, visit PopularResistance.org

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

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