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Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Building hype for a new brewery project is one of the most difficult tasks in the game, but the champs behind Herman made it happen. Nestled in the Laurentians in Prévost, QC, Herman has cemented itself as a leading purveyor of crispies (primarily), haze, sours and farmhouse in the province. Co-Founders Fréd and John joined Cee to chat about their origin story, why they keep making gorgeous farmhouse ales in bottles, the labour split between the partners and why that works, their love of coffee, their approach to their beer, how they handle collaborations and why collabs helped put them on the map, their Ontario collabs, why they stick to short cans, their "new age vintage" brand and labels, where the name came from, and why they want to collab with Drake. They got into five killer Herman brews - Echo Lite Light Lager, Spund Kellerbier, Severni Světlý Ležák 12°, Pia IPA Néo-Zélandaise, and Periaca barrel-aged Farmhouse Ale with peaches and apricots. This was a gem - cheers! BAOS Podcast Subscribe to the podcast on YouTube | Website | Theme tune: Cee - BrewHeads

What does it really take to go from invisible intern to trusted, Grammy-winning mastering engineer? The Sound Discussion Podcast sit down with Dan Millice to unpack the habits, choices, and honest work that shaped his journey, from cleaning bathrooms and taking cheques to the bank at MasterDisc, to building a client list one late-night venue at a time, to mastering records for artists across genres and continents.Dan explains why he chose to specialise in mastering and why he ultimately moved fully in the box. The answer isn't dogma, it's service. Faster recalls, instant fixes, and reliable delivery matter when a label needs a longer fade today or a track order change by this afternoon. He breaks down his no-template approach, starting albums from a blank session, picking a reference track, and selecting EQs, de-essers, and limiters for each song's needs. We compare popular limiters, FabFilter Pro L2, Ozone Maximizer, and talk about why default settings rarely cut it, how genre changes limiter behaviour, and when subtlety beats shine.You'll also hear how Dan handles mixes that aren't ready. He shares the quick QC process, the value of a phone call to align on vision, and the ethics of pushing back so the final record wins. Beyond tools and taste, the throughline is human: relationships, trust, and responsiveness. Recognition and nominations follow the reps, wet Tuesday nights at shows, genuine conversations, and consistent delivery. For artists and engineers, this conversation is a roadmap: specialise with intent, keep learning, meet people in the real world, and above all, serve the song.Links mentioned in this episode:Listen to the Sound Discussion PodcastFollow the Sound Discussion PodcastFollow Dan MilliceListen to episode 197 (Nate Kelmes)Send me a message Support the showWays to connect with Marc: Listener Feedback Survey - tell me what YOU want in 2026 Radio-ready mixes start here - get the FREE weekly tips Book your FREE Music Breakthrough Strategy Call Follow Marc's Socials: Instagram | YouTube | Synth Music Mastering Thanks for listening!! Try Riverside for FREE

What happens when you cross a die-hard pro wrestling fan with a Gothic Romance novelist? You get one of the most unique and fascinating conversations in the history of Duke Loves Rasslin!In this episode, the Duke sits down with creative maven and author QC Benedict for a genre-bending interview that bridges the gap between the squared circle and the supernatural. While QC is a lifelong student of the wrestling game, he's stepping into the podcast ring to celebrate the release of his haunting new novel, Immortal in the Attic.It is rare to find a romance author who can break down creative booking decisions as fluently as they write slow-burn tension, but QC delivers on both fronts. Whether you are looking for your next great read or want a fresh perspective on the current state of AEW and WWE, this episode has something for everyone.Tune in as we discuss:Wrestling Creative Analysis: QC pontificates on AEW's current creative hurdles and explains why he believes WWE is "playing it safe" with their storylines right now.Book Announcement: The official unveiling of QC's debut Gothic Romance novel, Immortal in the Attic.The Premise: A deep dive into the summer of 1970, introducing us to Kate, a young plumber, and Jackson, a wounded artist, whose love story awakens forces older than time itself.Holiday Shopping Guide: Details on exactly where you can purchase the book (perfect for the reader in your life!) just in time for the holidays.Don't miss this fun, eclectic interview that proves creative storytelling transcends genres. Listen now, then head over to qcbenedict.com or Amazon to grab your copy of Immortal in the Attic!#DukeLovesRasslin #QCBenedict #ImmortalInTheAttic #ProWrestling #AEW #WWE #WrestlingPodcast #GothicRomance #Bookstagram #NewBookAlert #WrestlingCommunity #AuthorInterview #RomanceNovels** Shop better hydration today. Visit ⁠⁠⁠⁠⁠⁠⁠LiquidIV.Com⁠⁠⁠⁠⁠⁠⁠ & use the promo code DukeLovesRasslin to save on your next order! ****All views expressed are that of those expressing them. Pull Up Your Skinny Jeans if you don't like it! **

Join host Martin Quibell (Marv) and a panel of industry experts as they dive deep into the impact of artificial intelligence on podcasting. From ethical debates to hands-on tools, discover how AI is shaping the future of audio and video content creation.  Guests:  ● Benjamin Field (Deep Fusion Films)  ● William Corbin (Inception Point AI)  ● John McDermott & Mark Francis (Caloroga Shark Media)   Timestamps  00:00 – Introduction  00:42 – Meet the Guests  01:45 – The State of AI in Podcasting  03:45 – Transparency, Ethics & the EU AI Act  06:00 – Nuance: How AI Is Used (Descript, Shorten Word Gaps, Remove Retakes)  08:45 – AI & Niche Content: Economic Realities  12:00 – Human Craft vs. AI Automation  15:00 – Job Evolution: Prompt Authors & QC  18:00 – Quality Control & Remastering  21:00 – Volume, Scale, and Audience  24:00 – AI Co-Hosts & Experiments (Virtually Parkinson, AI Voices)  27:00 – AI in Video & Visuals (HeyGen, Weaver)  30:00 – Responsibility & Transparency  33:00 – The Future of AI in Media  46:59 – Guest Contact Info & Closing   Tools & Platforms Mentioned  ● Descript: Shorten word gaps, remove retakes, AI voice, scriptwriting, editing  ● HeyGen: AI video avatars for podcast visuals  ● Weaver (Deep Fusion Films): AI-driven video editing and archive integration  ● Verbal: AI transcription and translation  ● AI Voices: For narration, co-hosting, and accessibility  ● Other references: Spotify, Amazon, Wikipedia, TikTok, Apple Podcasts, Google  Programmatic Ads  Contact the Guests:  - William Corbin: william@inceptionpoint.ai | LinkedIn - John McDermott: john@caloroga.com | LinkedIn - Benjamin Field: benjamin.field@deepfusionfilms.com | LinkedIn - Mark Francis: mark@caloroga.com | LinkedIn | caloroga.com  - Marv: themarvzone.org   Like, comment, and subscribe for more deep dives into the future of podcasting and media!  #Podcasting #AI #ArtificialIntelligence #Descript #HeyGen #PodcastTools #Ethics #MediaInnovation

FLOPPY DAYS 157 - Interview with David Kay, KayPro - Part 1 Patreon: https://www.patreon.com/FloppyDays Sponsors: 8-Bit Classics  Arcade Shopper and https://thekeep.net  FutureVision Research  Tuc's Workbench  Hello, and welcome to episode 157 of the Floppy Days Podcast for November, 2025.  I am Randy Kindig, your host. We are currently covering computers introduced in the year 1982 and, to that end, this month I'm beginning a series of podcasts about the Kaypro line of computers.  Kaypro had a rich and varied family of computers; certainly much more so than I ever realized.  In researching Kaypro, I discovered that while Andrew Kay, the founder of the computer company, was no longer around, it turns out his son David, who ran the company for some time, was still around.  I was able to contact David and he graciously agreed to talk with us for the podcast.  Kaypro has a very interesting storyline and I hope you enjoy this.  We talked so long that I decided to break the interview into 2 parts, so you'll hear part 1 this month, and part 2 next month.  Following that, we'll delve into episodes covering history, tech specs, etc. on the Kaypro.  All the usual topics.  It looks as though I'll have 2 episodes covering those topics. I will have a video for this posted to the Floppy Days Podcast on YouTube.  One note here.  This is one of the last videos where I used a videoconferencing tool that just didn't do a great job.  It has a tendency to not keep up with video and you may note that the mouth doesn't stay in sync with the audio sometimes during the interview.  In addition, audio-wise, you may hear some low clicks throughout the interview.  I've since switched to Zoom and it seems to do a better job of audio and video quality, albeit more expensive. You will hear ads from some great vintage computer stores, themselves vintage computer fans, throughout the early part of this podcast.  For all of these storefronts, when you place an order, please mention Floppy Days in the notes or comments of the order.  Doing so will help support the podcast.  Many thanks!! Please let me know your thoughts. Enjoy!! What I've Been Up To Byte 50th Anniversary Event - https://www.facebook.com/events/853596483843378  New Acquisitions A2Pico - https://jcm-1.com/product/a2pico/  PicoMicroMac - https://jcm-1.com/product/picomicromac/  Upcoming Shows World of Commodore 2025 - December 6-7 - Admiral Inn, Mississauga, Ontario, Canada - https://www.tpug.ca/world-of-commodore/world-of-commodore-2025/  Vintage Computer Festival Montreal - Jan. 24-25, 2026 - Saint-Jean-sur-Richelieu, QC - https://vcfed.org/vcf-montreal/  Tandy Retro Show 2026 - Jan. 24-25 - virtual - tandyretroshow.com  Vintage Electronics Expo - Jan. 31, 2026 - Oakland Expo Center, Waterford, MI -  https://www.thevee.org/  Vintage Computer Festival SoCal - February 14-15, 2026 - Hotel Fera Events Center, Orange, CA - vcfsocal.com  Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/  VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/  Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/  The Annual "Last" Chicago CoCoFEST! - April 24-25, 2026 - Holiday Inn & Suites Chicago-Carol Stream (Wheaton), Carol Stream, Illinois - https://www.glensideccc.com/cocofest/  Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub  Interview Links "The Word Processing Book" by Peter McWilliams - https://amzn.to/3M6zJks  Andrew Kay at Wikipedia - https://en.wikipedia.org/wiki/Andrew_Kay KayPro at Wikipedia - https://en.wikipedia.org/wiki/Kaypro

November 30, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: Romans 13:8-14.Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

On this episode of Car Torque, Matty is joined by David, Rob, Chad, Jim and Scotty as they discuss their latest updates. Rob tells us of times working at Toyota in QC at the Altona Plant in the late 80s and the boys battle it out in the car quiz at the end of the show!Don't forget to subscribe, rate and review!Support us and become a Patreon! https://www.patreon.com/cartorquepodcastCheck out our merch here! https://car-torque-store.creator-spring.com/Check us out on YouTube: https://www.youtube.com/channel/UCybzrcsj4nhADsyfYKtXPzwhttps://carloop.com.auDavid and Eds Podcast Autoretrohttps://open.spotify.com/show/5aOi9R8WfqOccEfnm2vslQMagna 40th Merch here!https://cartorquepodcast.secure-decoration.com/Toyota1980s4A3SQuality controlAltona PlantEngines

Send us a textVendredi 28 novembre 2025 - Black Friday Le vendredi fou oblige, on vous propose un spécial temps des fêtes avec nos suggestions cadeaux pour joueurs et joueuses ! Pour nous laisser un commentaires, rendez-vous sur la page Facebook De l'Autre Côté du Plateauhttps://www.facebook.com/groups/150380860556421Pour notre boutique en ligne :https://zonesocietedesjeux.myspreadshop.ca/C'est un rendez-vous chaque vendredi pour un visite de l'autre côté du plateau !Merci à notre commanditaire:https://boutiquelapioche.com/106 boulevard René-Lévesque Ouest,Québec, QC, G1R 2A5info@boutiquelapioche.com581-983-6895Abonnez vous pour découvrir nos meilleurs jeux de société !Martin Montreuil de La Société des Jeuxhttps://www.youtube.com/@lasocietedesjeuxMartin Lafrenière de la Zone Jeux de Sociétéhttps://www.youtube.com/zonejeuxdesocieteRandolph: Rassemblons-nous !Chez Randolph, nous sommes des experts passionnés et rassemblons les gens autour des jeux de sociétéDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

Canadian journalist Nora Loreto reads the latest headlines for Wednesday, November 26, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

November 23, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: John 18:33-38, 19:12-15.Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Send us a textVendredi 21 novembre 2025 - Épisode Spécial

0000019a-a164-d6a1-a9ba-fdfe495c0000https://www.wvik.org/podcast/good-morning-from-wvik-news/2025-11-20/retired-first-army-leader-takes-on-new-qc-military-and-manufacturing-roleBrady JohnsonRetired First Army leader takes on new QC military and manufacturing role

Indiana just told the cement industry it won't accept any blended cement with more than 10% limestone. That's a first - and it's not sitting well with the people who pushed Type IL cement in the first place. For the first time, a state DOT pushed back on Type IL cement—and the industry fired back. Indiana's Department of Transportation says it's protecting performance after bridge decks started scaling. The American Cement Association says the DOT's new limits are unnecessary, confusing, and unscientific. So, who's right—and what does it mean for the rest of the country's concrete? What You'll Learn • Why INDOT limited Type IL limestone content to 10% • The ACA's objections — and what's left unsaid • How PCA's 2021 carbon-neutrality roadmap and the federal Buy Clean program accelerated the switch to Type IL • Why the “one-to-one replacement” claim may have been oversold • How variable limestone content (≈7.6–12.4%) affects consistency and performance • Why admixtures and curing aren't substitutes for good practice • What INDOT's maintenance and inspection programs get right • Why other DOTs may follow Indiana's lead next Chapters 00:00 – Introduction & ACA Briefing Overview 01:00 – INDOT's 10% Limit and Industry Response 04:00 – How Type IL Cement Took Over the Market 07:30 – PCA Roadmap & Federal Buy Clean Pressure 10:30 – Complacency and the One-to-One Myth 14:00 – What Really Drove the 2021–2023 Flip 18:00 – Cement Chemistry and QC in the Field 22:00 – The Variability Problem: 7.6% vs 12.4% Limestone 26:30 – Are Admixtures and Curing the Real Culprits? 30:00 – INDOT's Data-Driven Maintenance Approach 32:00 – Why Other States Are Watching Closely Guest Info Dr. Jon Belkowitz – Chief Technical Officer, Intelligent Concrete Email: jon@intelligent-concrete.com Website: https://www.intelligent-concrete.comConcrete Logic Academy Earn your PDHs the logical way. Explore practical courses made for contractors, engineers, and producers. Free trial: https://www.concretelogicacademy.comSupport the Podcast Support the show and be listed as a Producer for life on the episode page: https://www.concretelogicpodcast.com/supportMedia & Sponsorship Inquiries: seth@concretelogicpodcast.comPodcast Partners Intelligent Concrete At Intelligent Concrete, we combine lab precision with field expertise to help you understand what your concrete is telling you. Our services include mix troubleshooting, forensic and petrographic testing, performance-based specification and admixture development, and training for engineers, contractors, and producers. Whether you're chasing consistency, durability, or answers after a failure, Intelligent Concrete delivers the data and insight to solve problems and improve performance. Learn more: https://www.concretelogicpodcast.com/intelligent-concreteKUIU (Affiliate Link) – https://www.concretelogicpodcast.com/kuiu15% off the first order. CreditsProduced by Jodi Tandett & Concrete Logic Media Music by Mike Dunton — https://www.mdunton.comConnectivity Host: Seth Tandett Concrete Visionary | Business Development at Baker Construction | Host of the #1 Concrete Podcast LinkedIn: https://www.linkedin.com/in/sethtandett/ YouTube: https://www.youtube.com/@concretelogicpodcast Website: https://www.concretelogicpodcast.comIf you learned something new, share this episode with your team and help more engineers and builders think logically about concrete. Until next time, let's keep it concrete! Reference Links ACA Briefing: “Portland-Limestone Cement Limits in Indiana Department of Transportation Specifications” (October 2025 Update) — https://tinyurl.com/TypeILINDOT Recurring Special Provision 901-M-069 (Effective December 1, 2025): https://www.in.gov/dot/div/contracts/standards/rsp/sep25/900/901-M-069%20251201.pdfINDOT Testing Memos Referenced in ACA Briefing: • 21-05 • 22-02 • 23-01 • 24-03 • 25-02 (Available at https://www.in.gov/indot/doing-business-with-indot/contractorsconstruction/division-of-materials-and-tests/current-testing-memos/)

November 16, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 2 Thessalonians 3:6-13. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Terry Lynch, CEO of Power Metallic Mines (TSX.V: PNPN) (OTCBB: PNPNF) (Frankfurt: IVV), joins us for a comprehensive exploration update from their fully funded 100,000-meter drill program at the polymetallic NISK Project in Quebec.  We discuss some of the key acquisitions made earlier this year expanding the land package around the NISK Project, as well as their new Jabal Baudan claims over in Saudi Arabia.   Key Highlights from the Interview:   Exploration Strategy: A six-rig program focused on expanding the mineralized around the Lion Zone and at depth, the Tiger Zone, new polymetallic targets from surveys, and still drilling to connect the 5.5km corridor between Lion and NISK Main. High Grade Assays From Summer Drilling: 22.66 meters of 4.57% CuEq, including 6.05 meters of 9.70% CuEq in Hole 020 28.0 meters of 4.28% CuEq, including 3.4 meters of 15.45% CuEq in Hole 015 5.35 Meters of 11.97% Cu (16.35% CuEqRec) in Hole 022 Resource Growth Path: Early-stage modeling efforts are enabling analysts and investors to build their own interpretations of scale, while metallurgical studies are underway to confirm high recovery rates. Acquisition of Li-FT Power land:  Back on July 14, 2025 the Company announced that it closed a definitive agreement dated June 9, 2025 to acquire a 100% interest in 313 mineral claims totalling 167 km² from Li-FT Power Ltd. (TSXV: LIFT) (OTCQX: LIFFF). The claims adjoin the Company's 45.86km² Nisk property, where exploration is expanding the high–grade Lion Cu–PGE discovery and the Nisk Copper-Nickel-Platinum-Palladium-Gold-Cobalt deposit.   Terry explains how there are 8 very high priority drill targets that the exploration team is following up on across this newly acquired land. Phase 1 Metallurgical Testing of Lion Deposit:  On Oct. 16th, Power Metallic announced that preliminary metallurgical studies are underway being performed by SGS Canada Ltd at its laboratories based in Quebec City, QC, and Lakefield, ON. Work to date has shown that the copper mineralization is contained within coarse grained chalcopyrite and cubanite, both which should respond well to conventional sulphide concentration methods. Overall, the character of the mineralization suggests good recoveries of copper sulphides, and these initial metallurgical tests will determine the recovery potential of the PGEs, Au, Ag, and Ni., which are expected to report within a conventional sulphide concentrate. Awarded Jabal Baudan Exploration License in Saudi Arabia: Power Metallic announced on June 16th that it was awarded the exploration license for the Jabal Baudan project in Saudi Arabia's Jabal Sayid Mineralized Belt. This historic milestone positions Power Metallic as one of the few foreign companies with mining concessions in the Kingdom of Saudi Arabia, having secured a successful bid in this prestigious licensing process. Key Strategic Stakeholders:   Terry highlights that there are high profile backers of the company like Robert Friedland, Rob McEwen, The Stern Family, Palos Capital, and also Terry's family that are keeping a large percentage of the shares in strong hands interested in seeing the longer-term expansion of the mineralization for the company.  * In full disclosure, Shad is a shareholder of Power Metallic Mines at the time of this recording and may choose to buy or sell shares at any time.    Click here to follow the latest news from Power Metallic Mines   For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned.

November 9, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 2 Thessalonians 2:1-17. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

On this week's episode of Inside the Headset – Presented by CoachComm, we're joined by Stanton Weber, the Special Teams Coordinator at the University of Toledo. Coach Weber shares his journey from Kansas State walk-on to Toledo coordinator, his approach to building elite special teams units, and how being named to the AFCA 2024 35 Under 35 Coaches Leadership Institute has shaped his growth as a coach and leader. In this conversation, Coach Weber discusses: 1:13 Introduction  1:44 When did you know you wanted to part of this profession?  3:09 What made you want to go down the CPA track originally?  5:25 What ultimately led to beginning your career as a graduate assistant at Kansas State?  12:48 How were you able to draw the line when transitioning from player to coach?  15:05 How did you know you were going to be able to stick around at Kansas State and be promoted to a special teams QC?  22:05 What would you name your 2-year chapter as the special teams QC at Kansas State?  27:45 Did you ever find yourself in tough conversations as a young coach?  33:55 How do you motivate guys to be motivated about special teams?  47:45 How transformational was your experience at South Carolina?  55:15 How did your early career prepare you for your interview to become the STC at Toledo?  59:30 What was your experience like as a member of the 2024 AFCA 35 under 35?  1:03:00 Conclusion  Follow Coach Weber and Toledo Football on social media:

On Healthy Mind, Healthy Life, host Avik and guest George Rivera break down how founders can scale fast without burning out or missing what matters at home. George shares the Father First Owner OS, the $10,000/hour filter, and practical delegation frameworks that replace task-doing with outcome ownership, standard operating procedures, and clear decision rights. If you're a time-poor, revenue-rich founder, this episode gives you direct, actionable steps to reclaim your calendar, protect family time, and grow with consistency.   About the Guest   George Rivera is the creator of Father First Owner OS and author of Buy Back Time Formula. He helps 7–9 figure founders win back 10–20 hours a week, end key-person dependency, and stay fully present at home—without shrinking the business.   Key Takeaways: Design for outcomes, not tasks: Assign clear owners for results with written SOPs and Loom-style walkthroughs so work stops bouncing back to the founder. Install structure: Replace “everyone reports to me” with a simple executive/manager layer. Ownership becomes clear, and the founder exits the escalation loop. Give decision rights: Predefine thresholds (e.g., approve anything under a set spend) so teams move without micromanagement. Run the $/hour filter: Log two weeks of work. Anything a capable person can do for a small fraction of your effective hourly value gets delegated or outsourced. Systematize the repeats: Every recurring task becomes a one-time documentation effort that compounds time savings. Stay in needle-moving zones: Founder time belongs in growth, relationships, and visibility—not internal admin and QC. Proof it works: George scaled from ~$20M to nearly ~$50M while cutting to ~30 hours/week and taking true off-grid months by applying these frameworks. Why it matters: Moments with your kids don't come back. Optimize the business for presence now to minimize end-of-life regrets and pass down a better operating model at home and at work.   Connect with the Guest  : Website: https://buybacktimeformula.com/Socials: @buybacktimeformula (Facebook and other platforms listed from the site) Instagram | YouTube | LinkedIn | TikTok | Facebook   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik   Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer.   Healthy Mind By Avik is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty—storyteller, survivor, wellness advocate—this channel shares powerful podcasts and soul-nurturing conversations on: • Mental Health & Emotional Well-being• Mindfulness & Spiritual Growth• Holistic Healing & Conscious Living• Trauma Recovery & Self-Empowerment With over 4,400+ episodes and 168.4K+ global listeners, join us as we unite voices, break stigma, and build a world where every story matters. Subscribe and be part of this healing journey. ContactBrand: Healthy Mind By AvikEmail: join@healthymindbyavik.com | podcast@healthymindbyavik.comWebsite: www.healthymindbyavik.comBased in: India & USA Open to collaborations, guest appearances, coaching, and strategic partnerships. Let's connect to create a ripple effect of positivity. CHECK PODCAST SHOWS & BE A GUEST:Listen our 17 Podcast Shows Here: https://www.podbean.com/podcast-network/healthymindbyavikBe a guest on our other shows: https://www.healthymindbyavik.com/beaguestVideo Testimonial: https://www.healthymindbyavik.com/testimonialsJoin Our Guest & Listener Community: https://nas.io/healthymindSubscribe To Newsletter: https://healthymindbyavik.substack.com/ OUR SERVICESBusiness Podcast Management - https://ourofferings.healthymindbyavik.com/corporatepodcasting/Individual Podcast Management - https://ourofferings.healthymindbyavik.com/Podcasting/Share Your Story With World - https://ourofferings.healthymindbyavik.com/shareyourstory STAY TUNED AND FOLLOW US!Medium - https://medium.com/@contentbyavikYouTube - https://www.youtube.com/@healthymindbyavikInstagram - https://www.instagram.com/healthyminds.pod/Facebook - https://www.facebook.com/podcast.healthymindLinkedin Page - https://www.linkedin.com/company/healthymindbyavikLinkedIn - https://www.linkedin.com/in/avikchakrabortypodcaster/Twitter - https://twitter.com/podhealthclubPinterest - https://www.pinterest.com/Avikpodhealth/ SHARE YOUR REVIEWShare your Google Review - https://www.podpage.com/bizblend/reviews/new/Share a video Testimonial and it will be displayed on our website - https://famewall.healthymindbyavik.com/   Because every story matters and yours could be the one that lights the way!   #podmatch #healthymind #healthymindbyavik #wellness #HealthyMindByAvik #MentalHealthAwareness#comedypodcast #truecrimepodcast #historypodcast #startupspodcast #podcasthost #podcasttips #podcaststudio #podcastseries #podcastformentalhealth #podcastforentrepreneurs #podcastformoms #femalepodcasters #podcastcommunity #podcastgoals #podcastrecommendations #bestpodcast #podcastlovers #podcastersofinstagram #newpodcastalert #podcast #podcasting #podcastlife #podcasts #spotifypodcast #applepodcasts #podbean #podcastcommunity #podcastgoals #bestpodcast #podcastlovers #podcasthost #podcastseries #podcastforspeakers#StorytellingAsMedicine #PodcastLife #PersonalDevelopment #ConsciousLiving #GrowthMindset #MindfulnessMatters #VoicesOfUnity #InspirationDaily #podcast #podcasting #podcaster #podcastlife #podcastlove #podcastshow #podcastcommunity #newpodcast #podcastaddict #podcasthost #podgepisode #podcastinglife #podrecommendation #wellnesspodcast #healthpodcast #mentalhealthpodcast #wellbeing #selfcare #mentalhealth #mindfulness #healthandwellness #wellnessjourney #mentalhealthmatters #mentalhealthawareness #healthandwellnesspodcast #fyp #foryou #foryoupage #viral #trending #tiktok #tiktokviral #explore #trendingvideo #youtube #motivation #inspiration #positivity #mindset #selflove #success

November 2, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 1 John 3:1-3.Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Canadian journalist Nora Loreto reads the latest headlines for Friday, October 31, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

Sons of Liberty Gun Works pulled a surprise visit to Green Top, so we flipped the mics on. Your host Hunter Brooks along with Justin Boyd returns with Mike Mihalski, Sean Murphy (VP of Sales & Marketing), and Scott Peterson (Director of Special Projects) to talk origin stories (from a garage to 50 states and 14 countries), winning major contracts, why brick-and-mortar still matters, and the “Mark One” family built for visual augmentation systems. We also dig into QC at scale, LE growth, calibers with staying power, and what makes a sub-MOA SOLGW SBR feel… unfair.Highlights:From garage builds to global footprintFanatical end-user support (and why it matters)Mark One: built around optics/thermal/NVLE agencies adopting fast (and why)Calibers: 5.56 purist takes & 6mm notesShot Show: where handshake capitalism still works

Yes!  You are in!  Thank you for coming back.  Thank you for sharing when worthy.  Thank you new one.  If you listen to the last one with Dr. Loritts, I do have a follow up.  A QC follow up.  I got the pull.  So here you go...Play of the Day, linkhttps://www.pastorrick.com/current-teaching/devotional/who-will-be-in-heaven-because-of-you-2025/series/daily-hope-tv?view=we-are-members-of-gods-family---part-2Ok, short and sweet on that one.  Previous episode 'Buckle Up' is aptly named.  I imagine some of you were whoa that was a bit harsh.  It definitely was tough love.  Here is where I'm getting the pull.  Dr. Loritts talks about the relationship with the church and if you don't have one then how can I have a relationship with you.  First, QC pull, he is talking about Jesus.  Next, I'll just speak for myself.  I definitely have relationships with those that don't go to church.   Heck, I have relationships with those that don't even believe in God.  Why?  I don't give up easy.  I'm called to love (Matt 22: 36-40).  I keep encouraging them with the Lord.  You never know if you have a Saul to Paul.  Mary the prostitute to Mary Magdalene faithful servant to the Lord.  You never know.  So I keep loving.  The point I hear Dr. Loritts say that for those of you in a relationship with Jesus Christ...or at least you think you do...how can you if you reject his bride?  At a minimum, it makes the relationship challenging.  Jesus Christ died for the church, you and me.  Here's another way to look at what Dr. Lorrits analogy...think hot coal analogy.  Not all churches were created nor serve equally.  Find your church that is based on Jesus' Words. Also, remember if you are frustrated with bad churches and/or religion...so was Jesus.  Look how many times he says hypocrites.  He was showing us the bigger picture...not just wolves and dens of thieves...yet he definitely warned us.  Check Luke 19:46.When you go to a bad restaurant, do you give up on ALL restaurants?Do as your Lord did.  Practice the Way.  If you claim Jesus then your Lord Jesus went to church aka synagogue.  He also got baptized.  He also had a small group.  Do you?  Do as your Lord did.    

Floppy Days 156 - Interview with Paul Schindler, Computer Chronicles Patreon: https://www.patreon.com/FloppyDays Sponsors: 8-Bit Classics Arcade Shopper and https://thekeep.net FutureVision Research Tuc's Workbench Hello, and welcome to episode 156 of the Floppy Days Podcast for October, 2025. I'm Randy Kindig, your host for this "retro"spective covering vintage computers of the late 70's through the 80's and the people who were on the forefront of that incredible revolution. This month, I'm bringing you another interview episode with a tech media personality that was involved with the Computer Chronicles TV show (among many other things): Mr. Paul Schindler. Paul has a big personality and has a lot of great stories about Computer Chronicles and about the tech industry in general in those days. I really enjoyed talking with Paul and he made me laugh a lot! As you know, if you're a regular listener, I was able to interview Stewart Cheifet some ago about Computer Chronicles. Computer Chronicles was a great way to get information about computers in those early days and I've always wanted to do some follow-up. Thanks to S.M. Oliva, who is mentioned in the resulting interview, and who runs a blog called "Computer Chronicles Revisited", I was able to get in contact with Paul. Next up for Floppy Days will be a series of podcasts on the KayPro line of computers, for which I was able to line up an interview with a key figure from that company and was also able to find someone who knows a lot about the computer line to help me discuss the technical topics. Stay tuned for that series. As usual, I will begin this podcast going through new acquisitions and what I've been up to, upcoming vintage computer shows and more. Video version of the episode at YouTube: New Acquisitions/What I've Been Up To Tandy Assembly - https://www.tandyassembly.com TRS-80 LED sign - https://techdungeon.xyz TS2068 mailing list - https://ts2068.groups.io/g/main/topics Compute!'s Gazette - https://www.computesgazette.com Atari Tricky Tutorial #7 Disk Utilities by Jerry White - https://www.atarimania.com/documents/Tricky-Tutorial-7-Disk-Utilities.pdf TenoxVGA for Atari TT - https://www.legacypixels.com Call-A.P.P.L.E. - https://www.callapple.org/ News Compute's Gazette article from the October, 2025 issue about Floppy Days written by Brian Cox of FutureVision Research - https://shop.computesgazette.com/product/computes-gazette-issue-4-digital-edition-october-2025/ Upcoming Shows Ami West - November 1-2, Sacramento, CA - https://www.amiwest.net Atari Party 2025 - Nov. 22, 2025 (noon to 4) - Quakertown, PA Train Station - http://atariparty.org/ World of Commodore 2025 - December 6-7 - Admiral Inn, Mississauga, Ontario, Canada - https://www.tpug.ca/world-of-commodore/world-of-commodore-2025/ Vintage Computer Festival Montreal - Jan. 24-25, 2026 - Saint-Jean-sur-Richelieu, QC - https://vcfed.org/vcf-montreal/ Tandy Retro Show 2026 - Jan. 24-25 - virtual - tandyretroshow.com Vintage Electronics Expo - Jan. 31, 2026 - Oakland Expo Center, Waterford, MI - https://www.thevee.org/ Vintage Computer Festival SoCal - February 14-15, 2026 - Hotel Fera Events Center, Orange, CA - vcfsocal.com Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/ VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/ Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/ The Annual "Last" Chicago CoCoFEST! - April 24-25, 2026 - Holiday Inn & Suites Chicago-Carol Stream (Wheaton), Carol Stream, Illinois - https://www.glensideccc.com/cocofest/ Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub Interview Paul's general Website - https://www.schindler.org Paul Website about the Computer Chronicles - http://compchron.com/ S.M. Oliva's Computer Chronicles Revisited Paul's long-running blog Paul's podcast, PS A Podcast on Things Paul recounts some tales from his Chronicles days Paul's YouTube channel Computer Chronicles at archive.org Computer Chronicles episodes on YouTube

Cork Supply founder & CEO Jochen Michalski joins Billy Galanko to unpack 40+ years of cork innovation, how the industry tackled TCA (cork taint), why oxygen transmission matters, and when to choose natural, technical, synthetic, or screwcap. Jochen explains Legacy (Cork Supply's premium natural cork) and its X100 imaging, AI-assisted electromagnetic scanning that screens individual corks for TCA and internal structural risks to reduce bottle-to-bottle variation. We also dig into manufacturing, QC, climate impacts on cork forests, and why consumers still equate cork with quality.What you'll learnHow TCA went from industry crisis to near-zero—and what “1 ppt” really means.Natural vs. technical corks: ideal use-cases and aging implications.Why oxygen control is central to wine development and consistency.How X100 imaging + sensory panels power Legacy's screening.How bottle neck shapes, cork length, and bottling lines affect sealing.Forestry, climate, and the future of sustainable cork.Timestamps (Optimized)00:00 Welcome to the Vint Wine Podcast00:23 Introducing Jochen Michalski and Cork Supply05:31 Jochen's Early Life and Career07:43 Starting Cork Supply in California13:28 Challenges and Successes in the Cork Industry25:02 Innovations and the Future of Cork26:54 Screening Corks for TCA27:40 Sensory Analysis vs. Technology29:13 Electromagnetic Imaging and AI32:18 Legacy Cork and Market Trends34:21 Technical Corks and Market Shifts38:21 Impact of Climate Change on Cork Forests40:01 Innovations in Cork Harvesting41:15 Global Market Dynamics43:10 Consumer Perception and Cork Quality49:03 Future Prospects and New MarketsThe Vint Wine Podcast is hosted and produced by Billy Galanko. For more content follow Billy on Instagram @BillyGalanko_wine_nerd and for partnerships and collaborations please email billy@sommeliermedia.com. Cheers!

Sitting just outside of Montréal in Pointe-Claire, QC, one of the newest breweries in Québec is Folklore, which took over the space from the recently shuttered Labrosse. Co-Founder Alex Arsenault joined Cee to chat about how it all came together (and how fast it happened), how they got their brand identity, labels and beer recipes ready to go, the support from the community, how Untappd affects breweries and some best practices, the inspiration for their beers, why they've ventured out to meet other brewers and creators (like to the Get It In Ya® SpecTAPular), their connection to the UK and New Zealand, the folklore concept behind the brand, they direction they plan to take the brewery, and how to communicate their story. They got into seven Folklore bangers - Alkonost Czech Lager, King Arthur Amber Ale, Glück Festbier, Caddy West Coast IPA x InnoMalt, The Dep Run Pale Ale, Bigfoot NEIPA, and Fable #1 NEIPA. This was super fun - cheers! BAOS Podcast Subscribe to the podcast on YouTube | Website | Theme tune: Cee - BrewHeads

ANTIC Episode 122 - Atypical Kay In this episode of ANTIC The Atari 8-Bit Computer Podcast… we introduce a new format for the news, there's lots of archiving going on, new software and hardware for our favorite 8-bits, and we find out Kay is atypical… READY! Recurring Links Floppy Days Podcast AtariArchives.org AtariMagazines.com Kay's Book "Terrible Nerd" New Atari books scans at archive.org ANTIC feedback at AtariAge Atari interview discussion thread on AtariAge Interview index: here ANTIC Facebook Page AHCS Eaten By a Grue Next Without For What we've been up to Via Mark Knudsen: 2" binder of "August 1987": Atari newsletter time capsule 1987-08 - https://archive.org/details/antc_Atari_newsletter_time_capsule_1987-08/ And individual newsletters - https://archive.org/details/@savetz?query=identifier%3Aantc_*1987-08 scanning Harry Stewart material: Here's his obit - https://www.mercurynews.com/obituaries/harry-stewart-san-jose-ca/ https://archive.org/details/stx_MicroTec_6500_Relocatable_Macro_Assembler_Manual https://archive.org/details/Bruce_Sherwood_Articles_about_Speech_Synthesis https://archive.org/details/Atari_Speech_Handler_Preliminary_Specification_1983-03-31 https://archive.org/details/Steve_Bristow_memo_on_Atari_810_drive_manual_1981-02-22 https://archive.org/details/atari-810-model-810-rear-board-schematic https://archive.org/details/Atari_810_disk_controller_firmware_memo_1980-12-22 https://archive.org/details/Atari_810_Disk_Drive_Peripheral_Device_Description_preliminary_release https://archive.org/details/Atari_810_Disk_Drive_Controller_Program_Report_1980-11-18 Atari Usenet groups on IA (so far, more to come): https://archive.org/details/net_micro_atari https://archive.org/details/net_micro_atari8 https://archive.org/details/net_micro_atari16 https://archive.org/details/comp_sys_atari https://archive.org/details/comp_sys_atari_announce https://archive.org/details/comp_sources_atari_st Allan and Kay continuing work to archive all APX programs. Still need: Missing (any version) manuals: Algicalc Basic Arithmetic Basic Renumber Utility (Renum) Character Set Editor Database/Report System Deep Blue C Disk Menu Dragons Quest or a twist in the tail Geography Gossip. (?) Home Loan Analysis Market Place Reversi Missing programs (some have other versions other than APX): Basic Utility for Renumbering Programs BURP Calculator Earth Science Geography (both lists) Home Loan Analysis (both lists) Instructional Computing Demonstration Market Place (both lists) Variable Changer Spreadsheet of APX archiving progress Atari poster - https://www.redbubble.com/i/poster/BASIC-Programmers-Guide-from-1981-by-ChoccyHobNob/39504539.LVTDI?asc=u&c=1128814-wall-art&ref=work_collections_grid Tricky Tutorial #7 from Kevin Lund - https://www.atarimania.com/documents/Tricky-Tutorial-7-Disk-Utilities.pdf News New and Updated Games: FujiLlama: https://www.atariorbit.org/2025/09/26/fujilama-is-a-new-multiplayer-game/ https://forums.atariage.com/topic/384764-a-new-fuji-net-game-fuji-llama-coming-soon/ https://boardgamegeek.com/boardgame/266083/llama New Italian text adventures for the Atari 8-bit: https://www.atariteca.net.pe/2025/10/nuevas-aventuras-de-texto-italianas.html Wild West - https://forums.atariage.com/topic/385434-wild-west-text-adventure-released/ Tin Star - https://forums.atariage.com/topic/385435-tin-star-text-adventure-released/ Desperados - https://forums.atariage.com/topic/385436-desperados-text-adventure-released/ New & Updated Software: https://forums.atariage.com/topic/234684-atari-8-bit-software-preservation-initiative/page/113/#findComment-5735315 Atari OS ROM collection - https://forums.atariage.com/topic/201133-os-source-code-all-revisions/page/6/#findComment-5730231 Mark "atarimac" Grebe updated Atari800MacX to 6.1.0 - https://forums.atariage.com/topic/385276-atari800macx-61-released/ Paulo Garcia continues his fantastic work on the FujiSan emulator (based on Atari800 emulator with emphasis on UI). - https://github.com/pedgarcia/fujisan/releases/tag/v1.0.5 Eric Carr updates the VSCode Extension for FastBASIC - https://forums.atariage.com/topic/351055-fastbasic-debugger-extension-for-vscode/ Publications Atari Insights October issue - https://ataribasics.com/newsletter-hub/ Compute's Gazette October issue - https://www.computesgazette.com ABBUC Magazine Special Mag 56 available in English (downloadable) for members - https://abbuc.de/download/abbuc-sondermagazin-56-papierbeilage-englisch/ Old School Gamer #48 - https://shop.oldschoolgamer.com/products/osg-issue-48-september-2025 New & Updated Hardware Atari 1027 printer belt by Jeri Ellsworth - https://bsky.app/profile/jeriellsworth.bsky.social/post/3m3ojeg7x6c2e New 1:1 1000dpi Replica of Atari XE Motherboard in production - https://forums.atariage.com/topic/383379-new-11-1000dpi-replica-of-atari-xe-motherboard-%E2%80%93-interest-check/page/7/ New 1:1 1000dpi Replica of Atari 600XL Motherboard – Interest Check - Piotr D. Kaczorowski - https://forums.atariage.com/topic/384709-new-11-1000dpi-replica-of-atari-600xl-motherboard-%E2%80%93-interest-check/ Contests ABBUC Software Competition: https://forums.atariage.com/topic/381593-abbuc-software-contest-2025 Video of the 13 games from the contest run on real hardware (Philsan) - https://forums.atariage.com/topic/381593-abbuc-software-contest-2025/page/5/#findComment-5735942 ABBUC Hardware Competition - https://forums.atariage.com/topic/381594-abbuc-hardware-contest-2025/ ATASCII Compo 2025: https://atariscne.org/news/index.php/atascii-compo-2025-is-running https://logiker.com/ATASCII Other https://tedium.co/2025/10/20/computers-fcc-rf-interference-history/ Atari 8-bit calendar (from Atariteca on Facebook): Article - https://www.facebook.com/share/p/17NVFQ4pA8/ Ordering - https://www.facebook.com/martin.grundy.94 Upcoming Shows 2025 Atari Party 2025 - Nov. 22, 2025 (noon to 4) - Quakertown, PA Train Station - http://atariparty.org/ 2026 Vintage Computer Festival Montreal - Jan. 24-25, 2026 - Saint-Jean-sur-Richelieu, QC - https://vcfed.org/vcf-montreal/ Vintage Electronics Expo - Jan. 31, 2026 - Oakland Expo Center, Waterford, MI - https://www.thevee.org/ Vintage Computer Festival SoCal - February 14-15, 2026 - Hotel Fera Events Center, Orange, CA - vcfsocal.com Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/ VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/ Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/ VCF Southwest - May 29-31, 2026 - Westin Dallas Ft. Worth Airport - https://www.vcfsw.org/ Retrofest 2026 - May 30-31 - Steam Museum of the Great Western Railway, Swindon, UK - https://retrofest.uk/ Southern Fried Gaming Expo - July 31-Aug 2, 2026 - Atlanta, GA - https://gameatl.com/ Fujiama - August 26-30 - Lengenfeld, Germany - http://atarixle.ddns.net/fuji/2026 Event page on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub YouTube Videos A Brilliant Failure: The Atari 400 & 800 Story - Little Car - https://www.youtube.com/watch?v=gcUt0GCk-YI Atari Now! October 2025 News and Home brew for all Atari systems - Steve & Jeff Fulton - https://www.youtube.com/watch?v=OMhNSFx6gyg New at Archive.org Allan: https://archive.org/details/@allan52 : https://archive.org/details/math-mission-apx-ver-3 https://www.oconnormortuary.com/obituaries/david-paul-kosmal/ https://archive.org/details/wordgo-apx-ver-3 https://archive.org/details/atari-xl-product-line-fact-sheets https://archive.org/details/@archivingisimportant : I Heart Atari newsletters french - https://archive.org/details/atarinews_1 https://archive.org/details/@ted_skrecky New at GitHub https://github.com/illuminated-g/atari_asm_moon Feedback https://oldbytes.space/@fluidlogic/115248639418865349

In sports merch, the clock is the boss. Fanatics SVP of Operations Wayne “Skip” Lee walks through a hot-market playbook where championship buzz turns into next-morning deliveriesWe hear about sunrise delivery in the winning city and why the first 72 hours/7 days decide the season's biggest sales. Skip breaks down how they stage inventory, make halftime calls on what to print and where to ship, and use AI to set size curves, place inventory, and block bad customizations before they hit a press. Watch the livestream of this episode on YouTubeTakeaways:Why “speed is the product” is an operating metric, not a mottoThe hot-market window: 72 hours → 7 days that drive outsized revenueHow sunrise delivery works and when it's worth the costNetwork design that beats distance (local presses, nearshore partners)Halftime adjustments as real-time ops: re-printing, re-routing, redeployingWhere AI actually helps: size curves, placement, and QC before printThe fate of “loser merch” and lessons for responsible excess inventoryLinks mentioned:The Logistics of the NFL Championship/Loser MerchandiseFeedback? Ideas for a future episode? Shoot us a text here to let us know. -----------------------------------------THANK YOU TO OUR SPONSORS! SPI Logistics has been a Day 1 supporter of this podcast which is why we're proud to promote them in every episode. During that time, we've gotten to know the team and their agents to confidently say they are the best home for freight agents in North America for 40 years and counting. Listen to past episodes to hear why. CargoRex is the search engine for the logistics industry—connecting LSPs with the right tools, services, events, and creators to explore, discover, and evolve. Digital Dispatch manages and maximizes your #1 sales tool with a website that establishes trust and builds rock-solid relationships with your leads and customers.

Audio description is crafted, refined, and checked with extraordinary care, with thanks to quality control specialists. On this episode of The ADNA Presents, Roy Samuelson interviews Rebecca Odom, a blind audio description quality control specialist whose expertise ensures that scripts, narration, and final mixes deliver clear, authentic, and emotionally aligned storytelling. She discusses the evolving landscape of AD, the behind-the-scenes work of QC specialists, and how professionals like herself are shaping the future of accessibility in entertainment.

Hi, It's Michele! Send me a text with who you want as a guest!This Episode is sponsored by Opus 2, MBE LLChttp://www.nielsen-palacios.com/architecthttp://www.nielsen-palacios.com/testimonialshttps://www.linkedin.com/in/christiannielsenpalaciosPhone: 607-319-3150info@thegrouchyarchitect.comLink to blog for text and  images:https://inmawomanarchitect.blogspot.com/2025/10/interview-w-architect-stephen-chung-of.htmlProfessional BackgroundChristian Nielsen-Palacios is a licensed architect with over 40 years of experience, primarily focused on quality assurance (QA), quality control (QC), and technical specification writing for architectural projects. He earned his architecture degree from Universidad Simón Bolívar in Venezuela and later completed a Master's in the History of Architecture at Cornell University in Ithaca, NY .After relocating to the U.S. in 1984, Christian worked in various architectural firms, contributing to numerous public school projects. In 1991, he became a registered architect in New York State . Currently semi-retired, he operates Opus 2 MBE, LLC, offering consulting services that include:Peer reviews of construction documentsTechnical specification writingMentorship for architects, especially those in small firmsTranslation and proofreading services in English and SpanishChristian is active online under the moniker “The Grouchy Architect” (Google him!) where he shares insights on architectural practice, quality control, and professionalStephen K. Chung, AIA is a registered architect in Florida and Massachusetts and principal of Stephen Chung, Architect.  His Boston-based studio is focused on residential and hospitality projects. www.stephenchung.com  Stephen received his architecture degree from Harvard. His recent projects include a new 89 room boutique hotel in called The Sarasota Modern, three new houses in Sarasota and a townhouse development and residential building both in Boston.  In 2020-2024 Stephen won a “Best of Houzz” Award for his residential design work. In March 2009, Casas Internacional published a monograph on his residential work.  The book features eleven of his residential projects.  In addition to practice, Stephen has taught architectural design at several institutions, including Cornell, Rhode Island School of Design, the University of Texas at Austin and Yale University.  Currently he is an Adjunct Professor of Interior Architecture at Suffolk University. Stephen is committed to bridging the gap between the architecture profession and the general public.  To this end, Stephen was the creator, executive producer and host of the acclaimed public television series called “Cool Spaces: The Best New Architecture”. Season 1 of this landmark series debuted on PBS in 2014.  Stephen also hosted a podcast show called “Design Your Dream Home” with architect Doug Patt.  The podcast provided advice to those wanting to design their dream home.  www.thedougandsteveshow.comLink to MGHarchitect: MIchele Grace Hottel, Architect website for scheduling a consultation for an architecture and design project and guest and podcast sponsorship opportunities:https://www.mgharchitect.com/

October 26, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. The Reformation of the Church. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Canadian journalist Nora Loreto reads the latest headlines for Tuesday, October 21, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

In this episode, host Beau Wigington chats with Adam Heffner (Hero Machine Co.) about his unconventional journey from a third-generation butcher to ironworker to fabricator, and why many small shops hit a tipping point where a 2 kW fiber laser on single-phase power outperforms plasma for cost, time, and quality. Recorded at FABTECH from the Hero Machine Co. booth, Adam breaks down real numbers on consumables, cleanup time, and when to make the jump from plasma to laser.Key Topics Covered:Business is a trade, too: why fab skills need business skills to turn into profit.From side hustle to shop: working “7-10s” for three years to de-risk going full-time.Insurance realities: how coverage limits push new shops toward non-critical work early on.Plasma → Laser math: the break-even window around 40–55 cutting hours/month.Consumables & cleanup: plasma (~$30/1,000 pierces + ~1 hr cleanup per cutting hour) vs. laser ($6 lower lens/week + ~5 minutes cleanup per cutting hour).Power & air you already have: running a 2 kW laser on 220V single-phase with a standard ~10 HP compressor + dryer.Cut capacity: 2 kW fiber laser cutting 5/8" mild steel—and why power isn't the whole story.Build vs. buy: lessons from DIY presses and tables, and why support/QC matter.Supply chain + QC: avoiding bait-and-switch by inspecting at the source.Winning architectural work: translating “pretty” drawings into constructible submittals, staying on schedule, and protecting margin when delays escalate.Systems that scale: MRP, workstations, and process flow so the shop runs on rails.The “Hero” idea: giving small shops a superpower that lets them price competitively and win bids.Memorable Quotes:“Business is a trade, just like metal fabrication.”“If you're cutting more than ~40–55 hours a month, you really should have a laser.”“You can unplug your plasma table and be cutting 5/8" mild steel on a 2 kW fiber laser, on single-phase 220V.”“My mantra was: make the means of production.”“I didn't want to die with a dream.”Learn more Hero Machine Co.Website - https://heromachineco.com/ Facebook - https://www.facebook.com/profile.php?id=61574579615110 Instagram - https://www.instagram.com/heromachineco YouTube - https://www.youtube.com/channel/UC3LhWJjQrF4bmbdffkSbE8A Connect with Beau WigingtonInstagram: @beaudiditwelding https://www.instagram.com/beaudiditwelding LinkedIn: https://www.linkedin.com/in/beauwigington E-Mail : beauw@weld.com

October 19, 2025 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 2 Timothy 3:14-4:5.Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Forget the doomsday headlines about Windows 10's end of life. Paul, Richard, and Leo break down why most users can relax, what Microsoft really has planned, and why the supposed landfill crisis around old PCs is mostly exaggeration. Also, Microsoft said OneDrive's new app was coming next year, but your file system says otherwise. Windows 11 October Patch Tuesday arrives, 1st for 25H2 Copilot+ PCs: Click to Do improvements, AI agent in Settings, File Explorer improvements 24H2/25H2: Desktop improvements, File Explorer improvements, Keyboard shortcuts for en and em dashes, Administrator Protection (off by default), Passkey improvements, Game Bar improvements Windows 10 (didn't) reach EOL and the world didn't end Zorin OS and ChromeOS Flex seize the moment Windows Insider: Copilot on Windows gets Connectors, Document creation and export. Copilot on Windows gets Settings support. Dev and Beta get AI agent in Settings improvements (Copilot+ PC), Setting search improvements (ditto), Drag Tray, Click to Do improvements, Dark mode improvements Dashlane partners with Yubico to make security keys primary vault access Lenovo ThinkCentre neo 50q QC is a Snapdragon X-based SFF PC HP OmniBook 5 16-inch shows why even the cheapest Snapdragon X chip is a winner Hope springs eternal: Intel Panther Lake is the efficiency of Lunar Lake plus the performance of Arrow Lake. Hopefully, it's not the reliability of either IDC: PC sales jumped 9.4 percent in Q3, just not where you live AI AI is the end of apps Microsoft reveals its first image generation model Opera Neon adds Nano Banana (image gen) and Sora (video gen) capabilities Xbox and gaming Target and Walmart will keep selling Xbox consoles unlike those losers at Costco A veteran of Halo Studios leaves, warns everyone Sorry, but there will be a sequel to the Minecraft movie Game Pass member? Call of Duty: Black Ops 6 is free to play for one more day Sony and AMD trickle out some PS6 news in a bizarre way - oh, and we're just getting started Tips and picks Tip of the week: Yes, Virginia, you can still sign in to Windows 11 25H2 with a local account App pick of the week: The new OneDrive app RunAs Radio this week: The End of NTML with Steve Syfuhs Brown liquor pick of the week: Holladay Soft Red Wheat Bourbon Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Download or subscribe to Windows Weekly at https://twit.tv/shows/windows-weekly Check out Paul's blog at thurrott.com The Windows Weekly theme music is courtesy of Carl Franklin. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zapier.com/windows bitwarden.com/twit

Forget the doomsday headlines about Windows 10's end of life. Paul, Richard, and Leo break down why most users can relax, what Microsoft really has planned, and why the supposed landfill crisis around old PCs is mostly exaggeration. Also, Microsoft said OneDrive's new app was coming next year, but your file system says otherwise. Windows 11 October Patch Tuesday arrives, 1st for 25H2 Copilot+ PCs: Click to Do improvements, AI agent in Settings, File Explorer improvements 24H2/25H2: Desktop improvements, File Explorer improvements, Keyboard shortcuts for en and em dashes, Administrator Protection (off by default), Passkey improvements, Game Bar improvements Windows 10 (didn't) reach EOL and the world didn't end Zorin OS and ChromeOS Flex seize the moment Windows Insider: Copilot on Windows gets Connectors, Document creation and export. Copilot on Windows gets Settings support. Dev and Beta get AI agent in Settings improvements (Copilot+ PC), Setting search improvements (ditto), Drag Tray, Click to Do improvements, Dark mode improvements Dashlane partners with Yubico to make security keys primary vault access Lenovo ThinkCentre neo 50q QC is a Snapdragon X-based SFF PC HP OmniBook 5 16-inch shows why even the cheapest Snapdragon X chip is a winner Hope springs eternal: Intel Panther Lake is the efficiency of Lunar Lake plus the performance of Arrow Lake. Hopefully, it's not the reliability of either IDC: PC sales jumped 9.4 percent in Q3, just not where you live AI AI is the end of apps Microsoft reveals its first image generation model Opera Neon adds Nano Banana (image gen) and Sora (video gen) capabilities Xbox and gaming Target and Walmart will keep selling Xbox consoles unlike those losers at Costco A veteran of Halo Studios leaves, warns everyone Sorry, but there will be a sequel to the Minecraft movie Game Pass member? Call of Duty: Black Ops 6 is free to play for one more day Sony and AMD trickle out some PS6 news in a bizarre way - oh, and we're just getting started Tips and picks Tip of the week: Yes, Virginia, you can still sign in to Windows 11 25H2 with a local account App pick of the week: The new OneDrive app RunAs Radio this week: The End of NTML with Steve Syfuhs Brown liquor pick of the week: Holladay Soft Red Wheat Bourbon Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Download or subscribe to Windows Weekly at https://twit.tv/shows/windows-weekly Check out Paul's blog at thurrott.com The Windows Weekly theme music is courtesy of Carl Franklin. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zapier.com/windows bitwarden.com/twit

Forget the doomsday headlines about Windows 10's end of life. Paul, Richard, and Leo break down why most users can relax, what Microsoft really has planned, and why the supposed landfill crisis around old PCs is mostly exaggeration. Also, Microsoft said OneDrive's new app was coming next year, but your file system says otherwise. Windows 11 October Patch Tuesday arrives, 1st for 25H2 Copilot+ PCs: Click to Do improvements, AI agent in Settings, File Explorer improvements 24H2/25H2: Desktop improvements, File Explorer improvements, Keyboard shortcuts for en and em dashes, Administrator Protection (off by default), Passkey improvements, Game Bar improvements Windows 10 (didn't) reach EOL and the world didn't end Zorin OS and ChromeOS Flex seize the moment Windows Insider: Copilot on Windows gets Connectors, Document creation and export. Copilot on Windows gets Settings support. Dev and Beta get AI agent in Settings improvements (Copilot+ PC), Setting search improvements (ditto), Drag Tray, Click to Do improvements, Dark mode improvements Dashlane partners with Yubico to make security keys primary vault access Lenovo ThinkCentre neo 50q QC is a Snapdragon X-based SFF PC HP OmniBook 5 16-inch shows why even the cheapest Snapdragon X chip is a winner Hope springs eternal: Intel Panther Lake is the efficiency of Lunar Lake plus the performance of Arrow Lake. Hopefully, it's not the reliability of either IDC: PC sales jumped 9.4 percent in Q3, just not where you live AI AI is the end of apps Microsoft reveals its first image generation model Opera Neon adds Nano Banana (image gen) and Sora (video gen) capabilities Xbox and gaming Target and Walmart will keep selling Xbox consoles unlike those losers at Costco A veteran of Halo Studios leaves, warns everyone Sorry, but there will be a sequel to the Minecraft movie Game Pass member? Call of Duty: Black Ops 6 is free to play for one more day Sony and AMD trickle out some PS6 news in a bizarre way - oh, and we're just getting started Tips and picks Tip of the week: Yes, Virginia, you can still sign in to Windows 11 25H2 with a local account App pick of the week: The new OneDrive app RunAs Radio this week: The End of NTML with Steve Syfuhs Brown liquor pick of the week: Holladay Soft Red Wheat Bourbon Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Download or subscribe to Windows Weekly at https://twit.tv/shows/windows-weekly Check out Paul's blog at thurrott.com The Windows Weekly theme music is courtesy of Carl Franklin. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zapier.com/windows bitwarden.com/twit

Forget the doomsday headlines about Windows 10's end of life. Paul, Richard, and Leo break down why most users can relax, what Microsoft really has planned, and why the supposed landfill crisis around old PCs is mostly exaggeration. Also, Microsoft said OneDrive's new app was coming next year, but your file system says otherwise. Windows 11 October Patch Tuesday arrives, 1st for 25H2 Copilot+ PCs: Click to Do improvements, AI agent in Settings, File Explorer improvements 24H2/25H2: Desktop improvements, File Explorer improvements, Keyboard shortcuts for en and em dashes, Administrator Protection (off by default), Passkey improvements, Game Bar improvements Windows 10 (didn't) reach EOL and the world didn't end Zorin OS and ChromeOS Flex seize the moment Windows Insider: Copilot on Windows gets Connectors, Document creation and export. Copilot on Windows gets Settings support. Dev and Beta get AI agent in Settings improvements (Copilot+ PC), Setting search improvements (ditto), Drag Tray, Click to Do improvements, Dark mode improvements Dashlane partners with Yubico to make security keys primary vault access Lenovo ThinkCentre neo 50q QC is a Snapdragon X-based SFF PC HP OmniBook 5 16-inch shows why even the cheapest Snapdragon X chip is a winner Hope springs eternal: Intel Panther Lake is the efficiency of Lunar Lake plus the performance of Arrow Lake. Hopefully, it's not the reliability of either IDC: PC sales jumped 9.4 percent in Q3, just not where you live AI AI is the end of apps Microsoft reveals its first image generation model Opera Neon adds Nano Banana (image gen) and Sora (video gen) capabilities Xbox and gaming Target and Walmart will keep selling Xbox consoles unlike those losers at Costco A veteran of Halo Studios leaves, warns everyone Sorry, but there will be a sequel to the Minecraft movie Game Pass member? Call of Duty: Black Ops 6 is free to play for one more day Sony and AMD trickle out some PS6 news in a bizarre way - oh, and we're just getting started Tips and picks Tip of the week: Yes, Virginia, you can still sign in to Windows 11 25H2 with a local account App pick of the week: The new OneDrive app RunAs Radio this week: The End of NTML with Steve Syfuhs Brown liquor pick of the week: Holladay Soft Red Wheat Bourbon Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Download or subscribe to Windows Weekly at https://twit.tv/shows/windows-weekly Check out Paul's blog at thurrott.com The Windows Weekly theme music is courtesy of Carl Franklin. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zapier.com/windows bitwarden.com/twit

Forget the doomsday headlines about Windows 10's end of life. Paul, Richard, and Leo break down why most users can relax, what Microsoft really has planned, and why the supposed landfill crisis around old PCs is mostly exaggeration. Also, Microsoft said OneDrive's new app was coming next year, but your file system says otherwise. Windows 11 October Patch Tuesday arrives, 1st for 25H2 Copilot+ PCs: Click to Do improvements, AI agent in Settings, File Explorer improvements 24H2/25H2: Desktop improvements, File Explorer improvements, Keyboard shortcuts for en and em dashes, Administrator Protection (off by default), Passkey improvements, Game Bar improvements Windows 10 (didn't) reach EOL and the world didn't end Zorin OS and ChromeOS Flex seize the moment Windows Insider: Copilot on Windows gets Connectors, Document creation and export. Copilot on Windows gets Settings support. Dev and Beta get AI agent in Settings improvements (Copilot+ PC), Setting search improvements (ditto), Drag Tray, Click to Do improvements, Dark mode improvements Dashlane partners with Yubico to make security keys primary vault access Lenovo ThinkCentre neo 50q QC is a Snapdragon X-based SFF PC HP OmniBook 5 16-inch shows why even the cheapest Snapdragon X chip is a winner Hope springs eternal: Intel Panther Lake is the efficiency of Lunar Lake plus the performance of Arrow Lake. Hopefully, it's not the reliability of either IDC: PC sales jumped 9.4 percent in Q3, just not where you live AI AI is the end of apps Microsoft reveals its first image generation model Opera Neon adds Nano Banana (image gen) and Sora (video gen) capabilities Xbox and gaming Target and Walmart will keep selling Xbox consoles unlike those losers at Costco A veteran of Halo Studios leaves, warns everyone Sorry, but there will be a sequel to the Minecraft movie Game Pass member? Call of Duty: Black Ops 6 is free to play for one more day Sony and AMD trickle out some PS6 news in a bizarre way - oh, and we're just getting started Tips and picks Tip of the week: Yes, Virginia, you can still sign in to Windows 11 25H2 with a local account App pick of the week: The new OneDrive app RunAs Radio this week: The End of NTML with Steve Syfuhs Brown liquor pick of the week: Holladay Soft Red Wheat Bourbon Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Download or subscribe to Windows Weekly at https://twit.tv/shows/windows-weekly Check out Paul's blog at thurrott.com The Windows Weekly theme music is courtesy of Carl Franklin. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: zapier.com/windows bitwarden.com/twit

Frank and Thomas unpack the Peacemaker Season 2 finale, from John Cena's performance to the big-picture DCU setup. They dig into Salvation Run and Checkmate, how the metahumans vs. government angle points toward Superman, and why this episode feels more like a bridge to Season 3. Along the way, they talk Vigilante's MVP moments, Harcourt's arc, Lex Luthor's influence on Rick Flag, and whether multiverse storytelling still works. Timestamps & Topics 00:00 — Welcome back and life update from Thomas; setting the table for the finale chat 00:55 — James Gunn's podcast, fathers and sons, and why that matters to Chris and Adebayo 02:21 — First impressions: great performances, odd placement for a “finale” episode 04:34 — Will there be a Season 3 and where this could continue in the DCU slate 05:16 — The Superman tie-in: metahumans vs. government, framing the next phase 06:06 — Salvation Run explained, Checkmate connections, and deep-cut DC lore 08:31 — Quantum doors and the “QC” device; quick tour of the multiverse worlds 10:13 — Why the multiverse still works here and how Gunn is trusting the audience 11:12 — That black-hole world and callbacks to the new DCU's prison ideas 12:01 — Rick Flag's heel turn and the debate over Lex's manipulation 14:10 — Government vs. metahumans as a DCU driver; room for Batman later 16:02 — Waller, Task Force X, and where Checkmate fits in public vs. shadow ops 18:00 — Vigilante praise, Fleury chemistry, and why the side cast still matters 20:06 — Chris and Adebayo's “you made me feel loved” scene; mixed reactions 21:30 — Harcourt's arc, the boat, and the kiss that did not shock the internet 24:02 — Expectation traps, Earth X sleuthing, and fan predictions vs. payoff 28:06 — Is Nicholas Hoult scary enough as Lex yet 31:04 — Judo Master, Langston Fleury, and Checkmate as a home for “good but messy” heroes 32:18 — Final thoughts: Season 1 vs. Season 2, and what is next for DC on TV Key Takeaways The finale plays like a handoff, setting up Superman and a broader DCU conflict rather than closing Season 2 cleanly. Salvation Run and Checkmate point to deeper DC lore and a clear government vs. metahuman story. John Cena carries the heart and humor; Vigilante continues to be a stealth MVP. Lex's off-screen sway over Rick Flag divides opinion but supports a long game for the character. The multiverse beats land because they are visual, simple, and high-stakes without heavy exposition. Quotes “John Cena is so lovable. I want to hug him and watch him wreck shop.” “Episode 7 felt like the true finale. This one felt like a plus-one.” “Salvation is basically a planet of villains trying to rule each other.” “Government vs. metahumans sets the stage for Superman and maybe even Batman.” “Vigilante's joy is so raw and kid-like that it weirdly grounds the show.” Call to Action If you enjoyed this breakdown, follow the show and leave a quick rating and review. Share the episode with a friend who is catching up on Peacemaker and tag us with #ChallengeAcceptedPod. Links and Resources All news discussed on our shows comes from GeekFreaksPodcast.com Challenge Accepted on Instagram: https://www.instagram.com/challengeacceptedlive/ Challenge Accepted on TikTok: https://www.tiktok.com/@challengeacceptedlive?lang=en Challenge Accepted on Twitter: https://x.com/CAPodcastLive Follow Us Stay current with episode drops, clips, and polls on our socials above. For feedback or challenges, email: ChallengeAcceptedGFX@gmail.com. Listener Questions What did you think of the finale's placement and the Salvation Run setup Send your thoughts or questions for the next episode. We may feature your take on the show. Apple Podcast Tags Peacemaker, DCU, James Gunn, John Cena, Salvation Run, Checkmate, Lex Luthor, Rick Flag, Vigilante, Harcourt, Superman, TV review, Geek Freaks, Challenge Accepted, Podcast

TOWER OF SORA - 10.06.2025 - #882 Take the Survey: https://tiny.cc/cc881 BestPodcastintheMetaverse.com Canary Cry News Talk #882 - 10.06.2025 - Recorded Live to 1s and 0s Deconstructing World Events from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! CageRattlerCoffee.com SD/TC email Ike for discount https://CanaryCry.Support   Join the Canary Cry Roundtable This Episode was Produced By:   Executive Producers Anonymous*** Sir Jamey Not the Lanister*** TDL Prez*** Sir LX Protocol V2 Baron of the Berrean Protocol***   Producers of TREASURE (CanaryCry.Support) Sir Kullen Anderson Hobo of the America's, Shawn H, Malik, Sir Marty B Knight of the Bass   Producers of TIME Timestampers: Jade Bouncerson, Morgan E Clankoniphius Links: JAM   NEPHILIM UPDATE/ALIENS 4:08 ‘Alien' DNA found inside humans — it was inserted into our genes, bonkers new study claims Sora Ai maga messaging   AI PSYCHOSIS 43:42 Sora 2 invite only Sora 2 is beginning of new era Sora 2 will create massive distrust in society, “don't trust, verify” AI actress Sponge Bob Attack on Titan   AI/SPACE/QUANTUM 1:47:57 Clip: Jeff Bezos on data centers in space to power AI (X) → Data centres in space? Jeff Bezos says it's possible (Reuters) → July 2025: A quantum computer goes to space (Science News) → Scientists finally prove that a QC can unconditionally outperform classical computers (Phys)   DRONES 1:50:42 Clip: Drone show gone wrong as fire falls from heaven (X)  → Clip: More footage of drones going down in China (X)   BEAST SYSTEM 1:58:35 Samsung brings ads to US fridges (Verge)   VOICEMAIL: Anthony H 2:18:42 JOnathan F - Coffee LOFI jingle   EXECUTIVE PRODUCERS 2:04:06 TALENT/TIME 2:21:12 END 2:43:42    

Canadian journalist Nora Loreto reads the latest headlines for Monday, September 29, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!