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The guys are LIVE from Septembers in Rancho Cucamonga for Stop #2 of the PMS Summer Tour. Joe Kelly stops by to hang out with the boys and give an update on his shoulder injury. History lesson of RC.
Pivot Family — you asked, and here we are. Your favorite trio is back: Ryan Clark, Fred Taylor, and Channing Crowder reunite to break down the real stories behind this summer's hottest headlines. From sports and culture to relationships and personal growth, the guys tackle life's toughest pivots—and how one decision can change everything. As always, it's raw, honest, and layered with perspective—locker room wisdom served with laughs, truth, pain, and growth. Lists and rankings are just opinions, and you know what the people say about opinions, so this week, the crew reminds us why impact over income is often the better path. They dive into the cost of fame and the price of trusting the wrong people—like Rams star Puka Nacua's public relationship fallout, and how young athletes with good hearts often get burned. Tyler Lockett's story of remaining a virgin until marriage at 30 opens up a powerful conversation on discipline, faith, identity, and resisting the pressure to perform—on and off the field. But you already know—Channing's take is going to have you in tears laughing, the things he comes up with is just one of a kind! When it comes to sports and culture no topic's off limits: Cam Newton's callout of Jayden Daniels—was it personal? RC says this was a moment Cam should have taken a chance to be wrong instead of go for the sophomore slump chatter. Gillie da Kid's “young bulls ain't taking my spot” energy—is that confidence or stuck in old ways? Asante Samuel coming for Chris Carter—what does it say about legends letting go or how OG's treat rising stars? Then things get a little more serious.... Naomi Osaka's emotional return to the spotlight sparks a vulnerable dialogue on mental health, pressure, and what it means when even greatness doesn't feel like enough. The guys speak openly about loss, injuries, failure, and the quiet battles no one sees. And finally, with Texas devastated by recent flooding, they reflect on how life can shift in an instant—regardless of status or success. Tragedy doesn't discriminate. And as always, The Pivot is about more than just moving on—it's about moving forward with intention, purpose, and gratitude. We hope this episode gives you something—a laugh, a new perspective, or the clarity you didn't know you needed, because that's what family is for! Learn more about your ad choices. Visit megaphone.fm/adchoices
00:00 Intro and Max Triggering People 3:06 - Max goes to Holland for a Wedding Pekko is going to swimming with Great White Sharks 11:23 - Kilics out from 6Mik 17:12 - Palsson out of HB & Shumacher Prototype Fake News? 24:00 - Back To Barcelos! 30:13 - The Track- Pekko Compares Oil vs Glue Tracks 46:00 - Qualifying 1:04:54 - Orlowski Kerffule 1:13:30 - Semi Finals 1:37:58 - Last Chance Qualifier 1:50:40 - A Final 2:07:29 - The Viking is Back & Can XRAY do the Sweep? 2:16:07 - Euros Winners & Losers 2:30:25 - Bench Racing Q&A - Practice 2:42:40 - Euros track too easy ? 2:56:50 - Faster Pits USA or Europe & Conclusion
In today's episode:The opening monologue from The Endgame 070825 - DisarmedRumble: https://rumble.com/v6vwcqs-the-endgame-070825-disarmed.htmlYouTube: https://youtube.com/live/HU01hMe_afo?feature=shareConnect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
I always enjoy having the opportunity to speak with business professionals and leaders. Fidel Guzman not only is such a professional, but he also works in the corporate training arena teaching his company's employees and leaders about leadership and continuous improvement. Fidel comes by his talents honestly. He grew up in an environment where he needed to learn and grow. He secured a Bachelor's degree and an MBA both from Northeastern Illinois University where he graduated Summa Cum Laude. Fidel started out wanting to be a kindergarten teacher, but he ended up taking a different road. He went to work for a company where he helped people progress within various industries. The company he worked for was bought by ION Group in Chicago, IL. Fidel flourished and became the Manager of Internal Training for the company. Mr. Guzman is quite adaptable and can train people within the organization even though they may well have their own expertise in different industries. Fidel and I talk about everything from leadership, the future of corporate training and we even take time to explore how AI is and will become more a part of his work and the work we all do. When not working Fidel has various outside activities. His most loved efforts go, of course, into being part of a family. He also serves as Vice President of Education for Toastmasters International. He loves to be involved in Mixed Martial Arts. He keeps quite busy at a variety of activities and clearly loves the challenges he gets to address along the way. About the Guest: Fidel Guzman is a dynamic and enthusiastic Learning & Develoment professional with a proven track record in instructional design, project management, and training development. With a Master of Business Administration from Northeastern Illinois University, where he graduated Summa Cum Laude, Fidel has consistently demonstrated his commitment to excellence and continuous improvement. His extensive experience spans various industries, including finance, telecommunications, and fitness, showcasing his versatility and adaptability. Currently serving as the Manager of Internal Training at ION Group in Chicago, IL. Fidel and his small but mighty team facilitate onboarding programs and training initiatives for over 13,000 employees globally. He has experience developing comprehensive new hire onboarding curricula and career progression pathways for multiple departments, ensuring effective and innovative learning solutions. Fidel's leadership extends beyond his professional role, as he actively participates in numerous company committees focused on community volunteer events, work-life balance education, and diversity, equity, and inclusion. Fidel's passion for personal and professional development is evident in his certifications, including “Creating a Coaching Culture” from SHRM and “Coaching Skills for Leaders and Managers” from PMI. Fluent in both Spanish and English, he leverages his bilingual skills to connect with a diverse audience. Outside of his professional endeavors, Fidel enjoys podcasting, judo, triathlons, hiking, and poetry, reflecting his well-rounded and adventurous spirit. In addition to his professional achievements, Fidel has a strong commitment to volunteerism and community involvement. He is serving as the Vice President of Education for Toastmasters International and has been an MMA class instructor and coordinator at St. Bruno Elementary. His dedication to helping others is further demonstrated through his role as an academic tutor at Berwyn Public Library. Ways to connect with Fidel: (1) Fidel Guzman, MBA | LinkedIn New Podcast- The Hero in the Mirror on Spotify: https://open.spotify.com/episode/44xD76FcF5YFMNyuigFmBm?si=2so3OWJdQby6F91ZaY1AUg The Hero in the Mirror also on Youtube: (3) HerointheMirror - YouTube About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. Michael Hingson ** 01:21 Greetings, everyone. I am Michael Hingson, and you are listening to unstoppable mindset where inclusion, diversity and the unexpected meet, and today we get to do the unexpected. And of course, what the unexpected is is anything that doesn't have anything to do with inclusion or diversity. So that's most things you know, in a lot of ways. Anyway, our guest today is Fidel, and am I pronouncing it right? Guzman, yes, you got it. Oh, my goodness. Comes from listening to Guzman's who play baseball. Okay, I'll take that. That's a way. So Fidel reached out to me some time ago. We're going to be doing some speaking to his company ion. But in the meanwhile, I also convinced him that he had to come on unstoppable mindset and talk with us, tell us about himself, tell us a lot about what he does and why he does it, and help to contribute to our general theme, which is that we're all more unstoppable than we think we are, and we usually underrate ourselves. So we we try to improve by discovering that more people are unstoppable than we think they are, and that we thought they were. So that works out. Well, Fidel has a degree in business. He has a Masters of Business Administration. You graduated sigma cum laude, which is pretty cool. And I did cum laude, but I didn't get to do sigma or Magna, but that's okay, but that's okay anyway. Fidel, I want to welcome you to unstoppable mindset. We're glad you're here. Fidel Guzman ** 02:56 Michael, it's a pleasure to be here. Thank you for having me. Michael Hingson ** 03:00 Well, my pleasure, and I'm looking forward to to chatting and talking about some businessy things and anything else that you want to talk about. So let's start this way. It's always fun to do this. Why don't we start by you telling us kind of, maybe, about the early Fidel growing up and some of that stuff, and what got you started down the road of life as it were. Fidel Guzman ** 03:20 Yeah, yeah, that's all right, yeah, let's let's go back. Let's go back to where it all started, Michael Hingson ** 03:25 long time ago, Fidel Guzman ** 03:30 definitely. So I'm born and raised in Los Angeles, Compton, Huntington Park area. I come from Mexican parents. They they they came here to the United States to give their their family a better future. Some first generation Mexican American, very proud. So actually, we do have a little diversity in here on this call. Oh, good. There we go. Yeah. So first generation Mexican American, my family traveled a lot when I was young. My dad's a truck driver, so wherever there was work, he would take us along. So we grew up and raised Los Angeles. I was seven or eight, then we ended up going to Mexico for a couple years, in Dallas, then St Louis, and then we ended up here in Chicago, here in the Midwest. Wow. Winter, the winters here were a bit surprising and tough. When I was in elementary school, I remember the first snow that I saw. It was, it was beautiful. After two weeks, I was like, All right, when is it? When is it gonna go away? And I was in for the the rude awakening that it's gonna it's gonna stick around for, for a few months or so, yeah, but I've had, you know, since then here, here in Chicago, we started to grow our roots. And I have five brothers and a sister. So I have a big family, a big Hispanic family, and I went to high school. My freshman year, I went to Lane Tech. Tech for all my folks who are familiar with the Chicagoland area. And then I ended up going to transferring over to Morton West in Berwyn. After I graduated high school, I went to Northeastern Illinois University, my alma mater, I got my undergrad in business management and marketing, and also got my Masters in Business Administration. So I am a proud double alumni from Northeastern Illinois University, and I really owe this, this community of Northeastern Illinois University, a lot with respect to the great teachers that they have there, the community that they try to build, and the friends and that I made along the way, as well as the education, of course, that helped, really helped me expand my career opportunities. After I graduated from Northeastern Illinois University with my undergrad, I started my first real corporate role inside of backstop solutions. And backstop solutions was a still, you know, it was a great company to be a part of lots of mentors. If I can, actually, I would like to give a quick shout out to a few mentors that I had along the way, such as Deanne Falk, Richard fu our CEO, our legacy CEO, Clint Coghill, Sarah Schroeder, and the current head of learning and development under ion. Alexander Lloyd and I really want to thank them for all their mentorship and leadership, because it's really helped me get and grow to the person that I am today. So with that, yeah, I am the manager of internal training at ion. We came I came in via an acquisition, when backstop was acquired, and throughout that period, like I was, I had some some free time, so to say, and ended up getting my Masters in Business Administration. Michael Hingson ** 06:48 And so along the way, did you get yourself married and all that? Oh, my Fidel Guzman ** 06:52 wife is going to kill me. Yes. Along the way, sorry about that. No, yeah, yeah, of course, yeah. Can't forget, can't forget about those significant others. But yes, I am married. My wife has a master's in occupational therapy, so she's in the medical field, and I'm in, like, the business learning and development side of things, so our conversations are pretty interesting, as well as our perspectives on things. I also have a daughter. She's 16, going on 17 people are usually very surprised when I tell them the age of my daughter, but had her early when I was in my early 20s, so young dad and she was a blessing. I wouldn't, wouldn't have it any other way. Michael Hingson ** 07:33 That's that is great. Why did you decide to go into business and study business in college. Fidel Guzman ** 07:42 So interestingly enough, when I got into college, I wanted to be a kindergarten teacher. I wanted to be cool Mr. Guzman, because I also really I love kids. I love working with kids. I was also a mixed martial arts program coordinator and instructor at an elementary school on the south side of Chicago for three years, and that was during my undergrad. And I taught all grades kindergarten through eighth grade, some of the basics in boxing, wrestling, jiu jitsu and kickboxing, so a bit of both. But as I was going through through my clinicals, as I was going through the the Yeah, the education aspect of it, I ended up wanting to switch majors. So I was like, I was like, hey, there's probably a lot more opportunity, a lot more opportunity for growth inside of the business segment. So I ended up switching my majors to business management, marketing, and somehow learning just found its way back into my life. So a lot of the stuff that I learned from some of those, those preliminary courses in in education. I mean, still, still resonate to this day, right? Understand your audience. Understand which students are visual learners, which ones are experiential learners. Which one need more repetitive exercise to to drill something in? So, yeah, the universe did not, did not lead me too far away from, from from teaching and being an instructor, and here I am. I know Michael Hingson ** 09:08 that feeling well. So a couple things. First of all, I was born in Chicago, but we moved to California when I was five, but in Chicago, you start kindergarten at the age of four. So I went for a year to a special kindergarten class that my parents and others advocated for, for premature, blind kids, because there were a whole bunch in the Chicago area during the whole baby boomer area, a number of children were born prematurely and given a pure oxygen environment, which caused them to lose their eyesight. And so the bottom line is that happened to me among others. And so I went to the Perry school. I don't even know if it's around anymore. Somebody told me it wasn't around anymore, but that's where I went to school. And went there for a year of kindergarten, learned braille and other things. And then we moved to California. So I always wanted to be a teacher as well, and I came at teaching from a different standpoint, as you did. That is to say, Well, I wanted to be a teacher. My first job out of college wasn't directly teaching, except I ended up having to write training materials and do other things like that, and then I ended up going into sales, and what I learned is that the best sales people are really teachers. They're counselors. They guide and they help people, especially when you're dealing with major account sales, they help people look at products. They teach about what their product does and the really good sales people are brave enough to admit when their product might not be the best fit for someone, because it's also all about building trust. And good teachers are concerned about building trust as well. Of course. Fidel Guzman ** 10:57 Yeah, one of my teachers when I was close to graduating, you know, one of the things that you know this teacher, Dr funk, if I remember correctly, he instilled in us, if you're able to synthesize what you learned and explain it to a five year old, you've done a good job. Like you, you you yourself understand that particular concept or that particular topic. And I really took that to heart. So now, you know, and a lot of these roles, if, from the the main instructor, I want and need to be able to explain it, you know, to my kid, to explain it in in simple terms. And, of course, you know, expand on it if needed. But, but Michael Hingson ** 11:40 it ultimately comes down to you can provide all the information you want, but they have to teach themselves, really, and they're not going to do that, and they're not going to listen to you if they don't trust you. So trust is a vital part of what we do, Fidel Guzman ** 11:56 exactly spot on, Michael Hingson ** 11:58 and I have found that that developing that trust is so extremely important. I learned a lot about trust from working with guide dogs, right from the very first guide dog that I obtained back in 1964 when I was 14. It was all about building a team and I and although I didn't know how to really externally, say it necessarily, until many years later, internally, I understood that my job was to build a relationship and that I was going to be the team leader, and needed to be able to gain trust, as well as trust my teammate in in what we did. So worked out pretty well, though. So, you know, I was that was pretty cool. So what does ion do? What is ion? Fidel Guzman ** 12:49 Yeah, I yeah for sure. So ion is a essentially, you can, you can think of it as a software company for the investment community. We provide a number of different platforms for them to streamline their processes and track information, or be end users of that of data. Michael Hingson ** 13:07 So people buy your software and do what Fidel Guzman ** 13:11 they can either leverage the data that's being provided to them, or they can include data within specific platforms. Michael Hingson ** 13:20 Are you starting to see that this whole concept of so called AI is valuable in what you do, or, as I am working with that yet, Fidel Guzman ** 13:30 yes, definitely, we are big on streamlining processes and making sure that we're maximizing the best use of everyone's time, and AI really has a really important component in that. So for for learning and development, one of the ways that we're using AI is for content creation, so whether it's just creating a simple outline for a course or starting to use that to create slides, but there, we're also taking a look at the way AI can be used on a regular basis to provide feedback for reps like let's say someone finishes a demo. If they want to do some self reflection, they can leverage AI to get some feedback on what worked well what didn't. Was there enough engagement? How was my use of technology, so on and so forth. So not only is AI being used from, you know, creating content, but also as, like a ad hoc instructor and and way to generate feedback, Michael Hingson ** 14:31 well, and it offers so much versatility, you can really have it go many different ways. So it is very possible it can be an instructor, as you say, an ad hoc instructor, but it really can present its information in a good teaching way too. So you can have conversations with it. You can do the same sorts of things that you would do with a teacher. I think that AI clearly, is here to stay, but I think. Think over time, AI is going to evolve a lot. I am not of the opinion that AI will replace people for a variety of reasons, but I think that it's here and it's up to us to be smart as to how we use it. Fidel Guzman ** 15:14 Definitely. I think one of the the tips that we always give people is AI does a really great job of a number of different things, but it's always going to need that human touch at the end of at the end of the day. So don't just take don't just take some content that AI has created and take it to heart. Make sure to review it. Make sure to put that personal touch on there and have it speak your language. Have it really resonate with the audience as well, especially that, oh, go ahead. Or also just on Super mechanical, super scripted, Michael Hingson ** 15:49 well, and I think as AI grows, it's going to try to emulate, or we're going to use it to try to emulate people more and more, but it still isn't going to get to the point where it truly is me or you, and we do have to put our mark on it. I've used it to help create several articles, and what I've done when I do that is I'll tell it what I want it to write about, and let it do it, and it comes up with some pretty good ideas that I incorporate into the article, that I create, between what it provides and what I add to the mix. And it really should be that way. Exactly what I've really found interesting is the number of people like in classrooms, who say teachers, who say, you know, it's really harder and harder and harder to tell when a student uses AI to write a paper or if the student is doing it themselves. And the first time I heard that, immediately, my idea of what to do was something like this, let the student use AI if they want to, let the have ai do the whole paper. What you ought to do is to have one day after all the students turn their papers in, where you bring each student up to the front of the class and say, defend your paper. Now you have one minute if they don't really know, yeah. I mean, if they don't know what's going on, then they're not going to be able to do very well, and they fail. Fidel Guzman ** 17:19 Yes, I am a big proponent of comprehensive exercises and also public speaking. How well? How well can you articulate the thought that you gave in that paper? Right? Some of those different talking points, right? Can you convey the same message in front of the classroom? Michael Hingson ** 17:38 Yeah, and, and, you can tell if a person is just not necessarily a great public speaker, they're nervous, as opposed to whether they know the subject. And those, in a sense, are two different things. But you can use the fact that students are at the front of the classroom to help make them better speakers, too, which is a good thing. Fidel Guzman ** 17:59 Yeah, no, yeah. I agree with you. If they are using AI, just, you know, turn around a paper, have them present in front of the classroom. Yeah, let's, let's talk a bit more about your paper, yeah, and, and really have it be an interactive exercise. I think that's really where the end goal is going to be, now that AI has really taken over the way the classroom dynamic has changed. So having more of those interactive exercises, really taking a look at comprehension, whether somebody really understands that topic, and giving giving students and an audience an opportunity to discuss, how do we how do we create a hive mind mentality around this particular topic, especially in a classroom, right whether, whether that's in a school setting, in academia, or whether that's in a corporate setting, inside of an office. Michael Hingson ** 18:54 Several months ago, we had a guest on unstoppable mindset, who's an executive leadership coach in Northern California who was a major proponent of AI. And when he worked with companies, and especially with presidents and leaders who were stuck on how we evolve and how we grow, he would bring AI into all those meetings, and one day he was dealing with one such situation where he told the president, you got to use you ought to use AI to get some great ideas. The President took that to heart, called his senior leadership staff in and said, take the rest of this day and create ideas about how you think we ought to do things better, and so on, and use AI to do it. And when everyone came in the next day, they had a lot of innovative and creative ideas, and all loved the fact that he encouraged them to use AI. And that led to. Us having a discussion about, is AI going to really take over the jobs that people do? And both of us agreed, no, AI won't. Ai can't replace anyone. We can fire somebody and then put AI in their place, which doesn't really work well. But what is a better thing is let ai do what it does well. So example that he gave was say, you have autonomous vehicles. As autonomous vehicles become more and more prevalent, like trucks that are delivering supplies, like shipping vehicles and so on, let the autonomous vehicle drive, but the driver needs to still be in the cabin and needs to be behind the wheel, even though they're not doing anything, because they are going to let the autonomous vehicle do what it can do. But you can give those people other assignments to do for the company that will keep them busy and do things that otherwise might not be done quite as efficiently. So the bottom line is, you keep people busy, you use the autonomous vehicle, and it's a win win situation all the way around. Fidel Guzman ** 21:08 Yeah, great. I I've heard something very similar to that, and maybe if I can, if I can synthesize this, it's going to be that we want to remove manual task out of people's times, and we want them to focus on more higher value add activities. Do Michael Hingson ** 21:29 you think that's fair? I think that's true. Isaac Asimov, years ago, the science fiction writer, wrote a really wonderful science fiction story about a young man who lived in a society where everyone had a particular job to do, and you were matched with your talents. And so there you you're you take a test when you're, like, eight years old and or or even younger, and that starts you down the road of what it is you're supposed to do for the whole country. And then you take another test several years later, and that locks you into what you're trained to do. So you always do the same task, but you do it well, because that's what you're trained to do. Well, this kid was in the whole process taking his tests, and he just wasn't comfortable with what was going on. And eventually he ran away. And what, you know, he he took the last test, apparently they looked at him kind of funny when they looked at the results and he didn't like what was going on. And he just left. He said, I'm not going to do this. I don't, I don't. I don't want to be an engineer. I don't want to do whatever it is that they want. And they eventually caught up with him, and they caught him, and they said, Why'd you run away? And he told them, and then said, No, you don't understand what just happened. Some people in society are the people who create the tests, create the processes, and don't get trained to do a specific thing, because they're the innovators and the inventors that keep society going, and you're one of those kids, and this was like, what, 50 years ago that he wrote that? So it's, it is, it is really interesting, but, but very true and, and the reality is, we can be as creative as we choose to be, and some people are more creative than others, but there are always tasks that we can find for anyone to do, and that will make them very happy, 23:40 absolutely, definitely. Michael Hingson ** 23:42 So it works out. You know, it does work out really well. Well, a question for you. You have a leadership philosophy, needless to say, and you lead a lot in instructional design, what, what are the core principles, or what are the things that kind of make up how you teach leadership, and what it is that you teach people to do, and how do you go about team development? Fidel Guzman ** 24:13 Yeah, I think some of the core principles that I that I really focus on with learning and development and instructional design. Number one, it has to be collaboration. It really does take a community to put some some really good training sessions and training opportunities in place, and it's really leveraging all the expertise from different subject matter experts. Give them a chance to share their perspectives and their insights on certain things, but also, really, just to enhance, you know, the the use of these training programs, because people are more keen to listen to like, oh yeah, this guy's a subject matter he's an expert in this particular. Their space and for them to to hop on. So I think that collaboration aspect is, you know, getting the Lean In from managers like, hey, this training is important. Your employees are going to benefit from this training, whether it's just for to develop their their education, to develop their career, whatever that may look like. But I want to say one of the, the first guiding principles is going to have to be collaboration. The second one is going to have to be most likely continuous improvement. As we start to roll out a lot of these different training sessions, whether it's public speaking, whether it's product training, whether it's industry training, if we roll it out, we keep our ear to the ground and make sure that we're receptive to the feedback. We take a look at what works well, what doesn't work well, what needs to be tailored. How can we, how can we also manage this across different time zones? So ion is super global company, I want to say, over 13,000 employees in over 13 plus countries. So also managing what those training programs look like for everyone, for everyone, across the board. So besides the collaboration, besides the continuous improvements or the I like to also say that the Kaizen, the Japanese philosophy of Kaizen, right, making those small improvements, the last one I want to say is going to be innovation. How can we incorporate, right? We were talking about AI. How can we incorporate some of these ladies, latest tech trends into what our training delivery looks like, whether it's something as simple as, how do we include more polls throughout a lecture to keep people engaged and participate? How do we include knowledge checks at the end of every session to make sure that people are walking away with some of the key takeaways. So, yeah, collaboration, continuous improvement and innovation. Yeah, how do we stay innovative and stay creative? I think having having some fun, staying creative along the way Definitely, definitely resonates with your audience as you're trying to do different things and trying to keep things as engaging and and fun as possible. Michael Hingson ** 27:06 What do you say to someone who says, Look, I've really learned all I need to learn. I'm not really interested in learning anything new. That is, I know, isn't that? Yeah, but you hear it a lot, I'm sure, or too much. I Fidel Guzman ** 27:22 think some people get comfortable right, like, Hey, I'm comfortable with what I know. And learning does require a certain level of mental energy, and it also requires a certain level of you being willing to take on a new challenge, to take on and learn something new. So to them, I would genuinely ask, what's your interest? How can we supplement what this interest looks like? You know, what are your interests in other avenues? And I think that will plant a seed to let them know that learning and development should be something learning, right? Just learning in general, it should be something that you should do throughout your life. I recently started a podcast called the hero in the mirror, and I wanted to take a moment and actually, thank you, Michael. I don't know if you remember our initial conversation. But we were talking, we were talking about, you had asked me, What ideas do you have? What are you working on? Are you working on, any books, any podcasts? And I had mentioned, I was like, Hey, I actually have an idea for a podcast. And you pause for a moment, and you were like, what's stopping it? Yeah, and it was, it was kind of like, it kind of took me back. I'm like, What? What is stopping me? Right? And sometimes, and in coaching, we call it interference, like you're you probably have a fear of failure. You have a fear that something's not going to go right, or this task seems enormous, that you don't know where to start. Yeah, so making small, small mental changes, making small steps, I think, definitely add up. Since then, Michael, I've had I've had three episodes. I've had some great guests hop on and share their story of resilience and triumph. And as I'm starting to do more episodes, I'm I'm hearing stories of people willing to have that, that mindset of, I want to continue to learn, I want to continue to expand on the person that I am and make myself well rounded in these different, different areas. So So, long story short, if somebody says I don't, I don't need to learn anything, there's always room for growth. There's always room for interest, what, what interests you, and how? And how can we follow that interest and and supplement it with some some training content. Michael Hingson ** 29:49 I know, for me, I'm extremely comfortable with what I know, and I'm extremely comfortable with what I've learned, but I'm also very uncomfortable in knowing there's a lot of stuff I don't know and that i. Still need to learn. So I love to learn right from the very beginning, when I first discovered the internet, I regarded it and still do, no matter what there is with the dark web and everything else, I think the internet is a treasure trove of information, and it's so fun to discover new things online. And there's so many ways to go. We've got so many places where we can go get books that we never had access to before all of us. There's so many places where we can go to learn about organizations, about people. They're just so many wonderful things, and it's only one way, because I also think there is a lot to be said for real personal interactions, but I think the internet is a wonderful treasure trove that gives us the opportunity to learn a whole lot that we don't necessarily know about, subjects that we don't know anything about. Fidel Guzman ** 30:55 The Internet is a double sided sword. It is. You can find information that will support right? Maybe you know an opinion that you have on the other side of that, you can find lots of information that does not support independent opinion that you have. And also it's a rabbit hole. Soon as you start going out that rabbit hole. But the one thing I do appreciate from the internet is the channels of communication that it's built. Yeah, and I'm appreciative of being able to have connected with you on LinkedIn, and that's turned out to us having this podcast here today. Michael Hingson ** 31:34 I think that for me, I'm not as interested on going online and in finding something to change an opinion as much as I am finding something that will tell me about something that I didn't know as much about. Now I might change my opinion from what I thought it might be, but I I really love to try to really get as much as possible into dealing with facts or substance to teach me things, and then I'll form my own opinion from that. Yeah, you know what I'm saying. Of course, Fidel Guzman ** 32:11 gets a good grounding of all the all the materials, synthesize it yourself. Michael Hingson ** 32:19 Yeah, I think we should do that. I think we have to be the one to synthesize whatever it is we're dealing with. That's That's our responsibility, and that should always be the way it is, which is, and I don't want to get political or anything, but which is one of the reasons that I say any politician who says, Trust me will be the first person I won't trust until I verify. I am a firm believer in trust, but verify. I don't care who it is. I think it's so important that we really take the time every single person needs to take the time to study what's going on, and and, and really look at all sides of something. I think that's important. I listen to newscasts regularly, and I like to listen to newscasts from all sides. Some I find why I don't want to listen to them very much, because of what they do or don't do, but I still think that it's important to really understand all sides of a subject. Fidel Guzman ** 33:29 Absolutely, I totally agree with you. Michael Hingson ** 33:32 So you know, I think it is kind of neat to to have that opportunity, and I think we learn so much when we take the time to really study. I'm amazed. I was at a restaurant once, and my wife and I were there. We were talking about newspapers and what we get from newspapers or online, and our waitress came up and Karen said, so do you read the newspaper? And this woman's 30 years old, and she says, No, I don't. I don't have time, you know. And how little she learns, because she doesn't really seek information, which is too bad. Fidel Guzman ** 34:07 Yep, you people have to be receptive. People have to be receptive to to gaining new bits of information. And sometimes people are just happy knowing like you, like you mentioned earlier, just happy knowing what they're what they know, just comfortable in in their own space, until some more power to that, more more power to them, more power to them, Michael Hingson ** 34:31 until something happens to disrupt the happiness and surprises them, because they really didn't learn enough to know that that was a possibility. Yep, I never thought I would be doing a podcast, but when the pandemic occurred, I started to learn about it, and learned all the value of it. Now, I had been at our campus radio station at UC Irvine for six years, and I was program director one year, so I understood radio, and when I started learning about podcasts. They went, this is really pretty cool, and I had never thought about it, and had never been interviewed on a podcast, but I realized I know what I can can do with this, and I know that I can sound intelligent on the air. And so I started to learn about it, and here we are now, just today, actually, we published online and in YouTube episode 324 of unstoppable mindset since August of 2021 Congratulations, Michael. Well, thank you. It's a lot of fun. We actually went to two episodes a week in August of 2022 Oh, wow, because we had such a huge backlog. Yeah, and I don't mind having a huge backlog, but it was growing way too much. So we went to two episodes a week, and and it's a lot of fun to to do it. And as and as I love to tell people, for me, the most important thing is I get to learn from every single person who comes on the podcast. It's so neat to be able to do that, of course. So it works out really well. Well for you, what kind of challenges have you faced? What have you done to overcome challenges, and what are some of the biggest challenges you faced, and how you did you deal with them? Fidel Guzman ** 36:17 Okay, yeah, that's great. That's some of the questions I use on on my podcast, here in the mirror. So I'm on the I'm on the other side of that chair today. Yes, no, it's good. It's good. It's a good question. So I want to say, you know, there are, there are three main, three main challenges that really stand out for me. One I'm very vocal about, and that is my speech impediment, my stuttering problem. It was really bad when I was little kid. I had a speech pathologist. Even now, talking to you on this podcast, I have to be very conscious with what I'm saying. Some of the listeners might might have caught it in the beginning when I get too excited about a particular topic, or if I haven't formulated my thought yet, but the speech impediments is something that has really made public speaking a passion for me. It was hard for me to have a voice when I was a little kid, I used to try to raise my hand and answer a question when I was in elementary school, and the teacher would be like, All right, next one like you had, you had your turn. And so I, you know, I've struggled, you know, to have a voice. I struggled with just completing sentences, and the way that I overcame that is through a speech pathologist that really gave me the confidence to believe in myself. I remember one exercise she gave me one day is she grabbed me from my classroom. She would pick me up from my classroom every Tuesday and Thursday, and she picked me up one day, and I was kind of down in the dumps. I didn't really like going to the class. We weren't really advancing much. And she's like, Hey, we're going to try something different tonight. Different today. She's like, today I'm going to have the order of pizza. And I was still a little little fat kid, like fourth or fifth grade, so I was like, oh, yeah, I'm all for it. What's going on here? And she was like, but the catch is, you need to order this pizza without stuttering. And you know, right away, kind of my heart dropped. And she's like, okay, like, don't, don't worry, we're gonna practice exactly what you want to order. And she's like, What do you want? And I'm like, Well, I want a large pepperoni pizza with an RC, a two liter RC Cola delivered to McPherson Elementary. And she's like, okay. She's like, write it down. I'm like, Alright, great to like, write it down again. I must have written it like, 10 times. She's like, No, now practice it. So about 15 minutes of doing that, she was like, All right, I think you're ready. She hands me the phone and, you know, I pick it up. My heart's in my throat, and I'm just like, like, I'm like, hi, you know, I want to order a large pepperoni pizza with a two liter RC Cola delivered to McPherson elementary for Fidel Guzman, and I was just astonished. I hung up the phone. I was happy for two reasons. Number one, I was going to get some pizza. Number two, I was able to say it a complete, full sentence without stuttering. And she she really believed in me and instilled in me that confidence that I could overcome this. But it wasn't an overnight success. It still required me go going to the speech pathologist, you know, throughout my elementary school, throughout all those years, and even as an adult, continuing to practice and hone that in in high school, doing presentations, in college, doing presentations. So right now, I am the VP of education for our America's Toastmasters Club, and this is one story i i always tell people, and they're like, No, you don't stutter. I'm like, if I get too excited, I'll lower my words. But that was that was one challenge, that was one challenge, and it's. Is it's still something I have to be very conscious of. And I've caught myself a couple times earlier in this podcast where I kind of mumble a little bit or get caught up in a particular word. But besides that one, I want to say that the second one was more of my in college. In college, I struggled paying for school. I mentioned I'm first generation Mexican American, and I was one, one of the first, first of my brothers to attend college full time. And I did all I could to make ends meet, two, three jobs, just paying for tuition. Financial aid was great, you know, it really helped me with a portion of that, but a lot of it really ended up, you know, being due onto me. And then I had my daughter, and it was just a struggle. I was like, How can I be a dad? How can I be a student? How can I work on my career? And I had gone to a financial aid workshop, and the one thing that stood out in this workshop was when they were talking about scholarships granted in high school when you're about to graduate, they talk to you about it, but it doesn't. It doesn't really materialize until you're until you receive that bill. Yeah, you're just like, hey, here's, here's a $2,000 bill for this college class. And you're like, oh, man, this is, this is not, this is not cheap. It's pretty expensive. And the one thing you know that stood out was, you know, let the scholarships, and they started talking about scholarship applications, and I found that there were a couple common denominators with the scholarships. Number one, they wanted two letters of two letters of recommendation. Number two, they want an essay. What are you going to do with your degree? How are you going to make a positive impact in the community? And number three, sometimes, typically an interview. And so I ran with it. I was like, they want two letter, letters of recommendation. They want one essay. They want an interview. No problem. And I made that my part time job. On the weekends, I would just apply, apply, apply. And I started getting some small wins. I started getting a $250 scholarship here, a $500 scholarship there, $1,000 scholarship, you know, here, and all of it started to add up, and it started to gain momentum. And I was lucky enough to get, get, get accepted for a number of different scholarships and complete my my college education, and even, you know, be strong willed enough to go back and do it again and try to try to get my masters. So those were two, two big ones, but I'll pause here and see if you have any questions around those two challenges for me. Michael, no, Michael Hingson ** 42:41 but I I really admire what you did. You You made a choice and you followed it through. And I think that's of course, the whole issue is that we have to make choices and we need to follow through. And if we find that, we need to refine our decisions. We do that. I know when I was a student and a program director at the university radio station, I wanted everyone to listen to themselves. I thought it was a great idea to have everyone listen to themselves on the air. And the way you do it is you record it and you give it to them. And I didn't anticipate how hard that was going to be, because for me, I was used to doing it for myself, yeah, but I I didn't realize how much resistance I was going to get from literally everyone at the radio station, they were not interested in and I'm thrilled about doing it at all. What I and the engineer at the station did eventually was to put a cassette recorder in a locked cupboard, and whenever the microphone was activated, the recorder would go on. So, you know, you didn't have to hear the music. You just wanted to hear yourself talk. And we, we really took a major step and said, You have to listen to these recordings. We gave each person a cassette. We expect you to listen to these recordings and improve accordingly. What I didn't say much was, I know what it's like. I'm my own worst critic, and I have to listen to it, so you guys do now. I've changed that, and I'll get to it in a second, but we pushed everyone to do it, and it wasn't long, not only before we started seeing improvement, but before the people themselves started recognizing that they were really getting comfortable listening to themselves and that they were taking this to heart, and by the end of the year, we had people who were loving it and wanting their cassette every day or every week, and also a. Some of them went into broadcasting. For me, what I learned, and it took many years before I learned it is I'm not my own worst critic. I shouldn't be negative, as I said earlier, I'm the only one who can really teach me. I'm my own best teacher. And I think when you make that mind shift from being your own worst critic to your own best teacher, it really puts things in a much more positive light. And I've said that before on the podcast, and I will continue to say it, because I think it's a very important Fidel Guzman ** 45:29 concept. We actually have a similar exercise for our America's Toastmasters Club, where we'll we'll record some speeches, and we'll have people listen back to their recorded speech. And a lot of people say like, man, it's cringe to hear yourself on the on the other side, on the other side of those iPhones, but it is a very useful exercise. You get a better understanding of your your filler words, your eyes, your arms, your vocal variety, your body language. And if you're looking to be a great, I don't want to say public speaker, but if you're just looking just to speak better in general, even when it's an on a presentation, on a call, or if you have to give up a toast at a wedding or a quinceanera, for you to be able to, yeah, critique yourself and gather feedback from your from your own recording Michael Hingson ** 46:23 well. And the reality is, the more of it you do, and the more you listen to it, having been up there in front giving the speech, you also see how people react. And if you continue to observe and listen to the recordings as you go forward, you will improve, yeah, for sure, which is which is really important. And one of the things that I try to do regularly now is to record talks. When I go and give a speech somewhere, I will record it so that I can listen to it and I enjoy it, because I discover Did I really say that I shouldn't have said it quite that way, but I'll do better next time. But listening to it helps such a tremendous amount, Fidel Guzman ** 47:13 especially with those filler words. So when you really listen to the recording, you'll be like, Man, I use a lot of likes or SOS or ands or buts, and if you want to speak eloquently, it is, I mean, like anything, you just gotta practice it. You gotta practice it, and you have to be receptive to that, the feedback. And you have to also celebrate the small wins. One thing I am a big proponent on is celebrate the small wins. Yeah. So if you are able to do your your first speech at a Toastmasters clubs like we, we give you tons of accolades, because it is not an easy fit, an easy feat. If you're able to do the second one, even better. You're, you're progressing, and you're, you know, you're increasing your understanding of some of the fundamentals of public speaking. Yeah, so you're preaching to the choir here. Michael Hingson ** 48:05 Yeah, no, I understand. Oh yeah, it's good, but it is really important to do, and it's fun to do. If you decide to make it fun, and if you decide that you want to become a better communicator there. There are lots of us and all that sort of stuff that people do. I've heard some people say that's really not such a bad thing. Well, I've got to say that I've never really been used to having a lot of us. And you know, there's a guy out here who I don't think he's alive anymore. He used to be a sports announcer out here. His name was Jim Healy, and you may have heard him when, well, out here in Los Angeles, anyway, he was on K lac, and he had somebody, well, he had a recording of somebody, one of the sports jocks, and he announced that he was going to play this recording, and what you're going to hear is this guy in 60 seconds say, you know, 48 times, that's and he did what's amazing, that Fidel Guzman ** 49:17 when you when you get to Some of those, it's like, what do they say? Nails on a chalkboard? You're like, Oh, yeah. Like, what are you trying to say? Just, just say it. To say, to say the damn thing. Michael Hingson ** 49:30 Yeah, talk a little bit slower and just say it. Fidel Guzman ** 49:33 One thing that I'm trying to be conscious, more conscious of is pauses, like those deliberate pauses, those deliberate pauses to collect your thoughts, like I often need, just to collect myself, but also to build suspense the message and the message that you're trying to give, especially when you're in front of a group of people, in front of an audience, and you're pausing there, they're just like, oh, what? So what is he? What is he gonna say next? What's up? What's going on with this pause? So it's also you have this arsenal of tools when it comes to to public speaking and to engage with an audience and to keep them, to keep them interested in what your next thought is going to be. What What am I going to say next? How am I going to, you know, align this topic to something else that I want to discuss. Michael Hingson ** 50:24 I love, yeah, I've discovered the value of pauses. You can make a pause last too long, and one of the things you learn is how long to make a pause. But I love pauses. They really do add a lot of value. There they get. Well, you talk a lot about continuous improvement, and clearly you you really love the whole concept. What's an example of a project where you instituted continuous improvement, and how do you make that happen? Thanks, Michael. Fidel Guzman ** 50:56 Let's pause again. Yeah, right. I know. Yeah. All right. Michaels, Michaels, throw me. Well, not much of a curveball, but yeah, no, that's good. So I know continuous improvement. And one project that I worked on, I want to say one that comes to mind is last year I hosted a series of product boot camps. And what these product boot camps really were, were product training and networking opportunities within ion. I had just gone through the acquisition of backstop into the into the ion family, and I saw a need. I saw a need there for some product training. And what I did is I started to coordinate with subject matter experts, hence the collaboration and community principles that I have with learning and development. And started to piece together a boot camp. So a series of training sessions, and we discussed location, we discussed different components that we can include on there. We discussed remote hybrid in person, what some of those options were, and we had about, I want to say, five or six of these boot camps in 2024 and what I noticed is that for each of the boot camps we would tailor it a little bit, because each of these different products that were under specific umbrellas were for certain audiences, you know, for certain segments of the business. So we had to, I had a template, but we had to tweak that template a little bit. Who do we want to come in here? Who do we want to come in for this particular topic? When do we take breaks? If it's in person, you know? Do we take longer breaks if it's in person? How do we include some interactive components to it? How do we test people's knowledge, whether it's through live polls, whether it's using an LMS platform to do knowledge checks? How do we create a certificate based program around this? And for each of those, it was a learning experience. It was a learning experience because we, every subject matter expert, is different, right? You're building different relationships with different people, and even their style of talking or their style of teaching on a particular topic is going to be different. So those continuous improvements throughout each of those boot camps really started to to resonate and just to showcase themselves. And for each of those, we had a similar template for all of them, but we made minor tweaks to make sure that it was as engaging and and thoughtful as possible. Michael Hingson ** 53:36 Wow. Well, that's pretty cool. Um, and I think that the very fact that you would make the tweaks and you recognize the need to do that was pretty insightful, of course, because for me, I know when I speak, some people early on told me you should write a talk and you should, you should just give that talk. I tried that once. I didn't like what I sounded like when I read a talk, and I haven't done it since. And I also realized that I do better, and sometimes it isn't necessarily a lot, but when I customize every talk so I love to go early and try to hear speakers who speak before me, or get a chance to meet people at an event, because I will learn things invariably that I will put into the talk. And sometimes I'm tweaking talks up to and including the start of the talk, and sometimes I will tweak a talk when I'm speaking and I'm getting the impression just from all the fidgeting, that maybe I'm not getting through to these people, or I'm not really doing this in the best way possible. And I will change until I get what I expect to be the audience. Reaction, because I know what an audience is like when they're fully engaged, and I also know that not every audience is the same, so I hear what you're saying. I think it's important to do that. Fidel Guzman ** 55:13 Yeah, for you to be able to do that on the fly, kudos, kudos to that. But yeah, we you got to be able to understand that audience, understand that audience, understand what's what's going on, the dynamic of that, of that situation. So you're, you're a veteran at at this, so no surprise there. Michael Hingson ** 55:31 Well, that's a lot of fun. Well, what do you do when you're not working you, I know you're involved in various activities and so on. So what do you do when you're, yeah, not an eye on writing, doing, training, stuff and all that. Fidel Guzman ** 55:45 A number of different hobbies. My wife calls me the Energizer Bunny, because I'm always running around doing something, but some of my main things is right now judo. I did wrestling in high school, and I did mixed martial arts when I was getting my undergrad. And I love martial arts. I think iron sharpens iron. It's good to be around a good group of, good group of people, people who are who are like minded, people who are looking to continue to develop themselves. And yeah, if you're in a room full of tough guys, you have no other choice than to start to be a tough guy yourself. So I love martial arts. I did a couple Judo tournaments, judo and jujitsu tournaments last year, where I placed. And let's see, besides that, triathlons, I love to run, I love to bike, I love to swim. I did my first triathlon last year. I really enjoyed it. I thought it was a phenomenal experience. I mean, it's two three hours of non stop movement, but it was, it was great just to be part of that, of a huge event like that, besides the martial arts and the constant running and swimming and biking, the last thing I want to say is writing and poetry. I have started to compile all all my poems. Hopefully, in the next year or so, I'll, I'll launch a small book of poems. And, yeah, I'll keep you, I'll keep you posted on that. But I do, I do like to write on the sign, you know, hopefully a book of poems. And, you know, since since having my daughter, I've always liked children's books. I would, I would love it if I could launch my my own series of children books, and I'm working on a couple templates with that. So, yeah, stay staying busy, staying busy, physically active, but also mentally Michael Hingson ** 57:40 active. So you haven't written any books yet. I have a Fidel Guzman ** 57:44 couple ideas, a couple ideas of what, what kids books want to do, but you don't have any books published yet? No, none yet. None yet. Well, we're anxious to see that happen. You got, you got it, you're gonna, you're gonna light that fire. You're gonna light that fire as well. No, and again, right? I do appreciate you for for really, really motivating me to start my own podcast, because you had really said, like, what's stopping you? Like, like me, I'm stopping myself, you know. But even yet, yeah, even like, you know, being an author, I know that you're an author, you know, I would love to have a conversation offline with you. You know what that publishing experience was like, because I think that's my biggest interference right now with that, is like, I don't know where to start with the publishing. I know I can self publish. I know I can go through publishers and like, the internet, like we said, a double sided sword, yeah, you have information that tells you you should just self publish, and then you have other bits of information. Was like, You should go through a publishing company and just like, where do I Where do I choose? But I think that's why having mentors, you know, and getting to network with people who are experienced, such as yourself, and these different avenues of public speaking and being a keynote speaker and having a podcast, being a podcast host and being an author. I think, I think it's great, and you are definitely an inspiration to me. Michael, well, thank you. Michael Hingson ** 59:11 You're familiar with Jackson Hewitt, the accounting and tax company. You got it? Okay? So I can't remember whether it was night, whether it was 2016 or 2017 but I got invited to go speak at one of their events, and I did. And while I was there, I met a woman, and I didn't know what she did, and she she, she worked at a Jackson Hewitt, and I just happened to say, what do you own of a firm? Because most of the people there were supposed to be company owners. And she said, No, maybe someday. And I said, why not? You ought to own a company. You ought to you ought to become a company owner. You'll go further Anyway, last year, she sent me an email, and she said, I've never forgotten that, and I think it was like a year later, or two years later, she's. After I and she met, she said, I got my first company, and I now own 10 branches. Wow. Back, I said, that's pretty cool. Oh, Fidel Guzman ** 1:00:09 Michael, Michael, you are just making ripples in the universe. Just ripples doing something. Yeah, that's good. I don't want to get too religious, but you're doing God's work, man, well, Michael Hingson ** 1:00:18 I hope so. You know, expect Hill. Hill. Guy, guide, or she'll guide, yeah, but so what do you think is the future of work, of workplace training and learning? Fidel Guzman ** 1:00:30 Yeah, I think we, we touched a little bit upon this. But you know, AI, you know, definitely, how can we leverage AI for content creation, creating outlines and also using it as feedback. But I also want to to bring back the the in person training. I know we've all gotten very comfortable with, you know, doing stuff remote, but similar to the example that we talked about earlier, where that teacher was like, oh, all these, all these kids are using AI for these papers, and how do I really test their comprehension? That's, that's something you know, that in person activity, yeah, I think definitely has a tremendous amount of value, not just for the instructor, but for the end learner. Yeah. So I think, I think a mixture of like, okay, great, you know, how can we use AI to create content? How can we use it to provide, you know, feedback for people to continue to improve on certain areas. But how can we bring back that in person component? Michael Hingson ** 1:01:38 Well, see, oh, go ahead, Fidel Guzman ** 1:01:39 yeah, to, to to unify. It was probably that pause, that to to unify, to unify a vision, you know, a vision of of continuous improvement. You know that to unify, that vision of what a team might be aiming for, yeah. So, yeah. So, I think, I think, you know, long story short, it's going to be, you know, leveraging a bit of AI and still bringing back that, that in person aspect. Well, Michael Hingson ** 1:02:05 you know, I I've done virtual presentations as well as, of course, lots of in person presentations. I much prefer in person to virtual but my main reason for that is that I can tell what the audience is feeling. I get a lot more information if I'm doing an in person talk than I would get if I'm just doing a virtual talk. Now I've done it long enough that I mostly can do pretty well at a virtual talk, but it's still not the same, yeah, and I still don't get exactly the same information, but I can do virtual talks, and I do and it, and it's fun and and I can play games with it, because I can always turn my video off and really drive people crazy. But you know what? What advice would you give to an aspiring leader who wants to to evolve and make make changes to their organization or to themselves and so on. Fidel Guzman ** 1:03:06 So advice I would give for aspiring leaders. I think the the main one that I really focus on is opportunities and challenges. Be ready to embrace any opportunities that come your way, but just know that each of those opportunities, it's going to come with its own set of challenges, and be prepared for both, and be okay with dealing both at the same time. And you know last, but you know not least, is that there are there are lots of stories of triumph, and to really curate yours. What does your story of triumph look like? What is your passion and how does, how does all of that connect? Michael Hingson ** 1:03:53 And it may be evolving, and it may be different in five years than it is today, but both memories are important, yeah, which is cool. Well, Fidel, we've been doing Can you believe we've been doing Fidel Guzman ** 1:04:08 this for over an hour? Time flies and you're having fun, Michael Hingson ** 1:04:12 absolutely. And I really appreciate you being here and being a part of this, and I really appreciate all of you who have been listening to us and watching us. We're really excited that you're here. I hope that this has been valuable for you as well, and that you've learned something. Fidel, if people want to reach out to you, how can they do that? I Fidel Guzman ** 1:04:31 want to say LinkedIn, feel free to reach out to me on LinkedIn. What's your LinkedIn identifier? You can find me as Fidel Guzman, comma, MBA, and I'll also give you a link so you can, you can accompany it alongside this episode, yeah, but feel free to connect with me on LinkedIn. That's going to be the easiest way to get in touch with me. And I'll also have some links if you want to check out my podcast. And hopefully I'll have, I'll have that book of poems out, yeah, soon. Michael Hingson ** 1:04:59 Well, that will be. Good. Well, thank you again and again. Thank you, all of you. If you'd like to reach out to Fidel, I'm sure he would appreciate it. I would, and you're welcome to reach out to me.
In today's episode:We are getting the hose again, but only because we keep asking for itNarrative DisarmamentPerfect, unprovable stories as a test for fakeness / terrible, unprovable stories as an opening for greater scrutinyBuild Back Better, Big Beautiful Bill, Mike Johnson's Package, recissions, impoundment, and a plan coming togetherElon Musk says he's starting a political party but the proper number of parties is zeroTikTok layoffs, takedown attempts, and divestmentsElon follows Andrew Yang and Curtis Yarvin and Nick Land separates himselfA tragic flooding event in Texas leaves important questions that cannot and should not be ignoredThe 'young tech guy' at Rainmaker is a Peter Thiel protegeOn Peter Thiel being Silicon Valley's gay Harvey WeinsteinThe DOJ/FBI say there's nothing else to see about Jeffrey EpsteinSomething is happening behind the scenes with the Ellison family.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
(0:00) Welcome to Title 24(1:30) RC and RV catch up on their July 4th weekend fun.(3:20) RV and RC start discussing last week's action at RedBud.(5:13) RC “There was a lot of great rides, but Jett continues to dominate…”(9:27) Is this the most dominant era of motocross with Jett and Deegan? Or was Ricky's era better?(16:10) RC "This things are made to run fast they're not made to last.”(19:17) Chase showed us he's got the speed, what's it going to take for someone to challenge Jett?(22:49) RC "Hey what did you think of Prado?"(25:10) RV on Justin Cooper “He is a must-have second rider.”(32:02) RC “ Awesome for the Ducati brand to be coming out in the US series….” (37:26) RC and RV break down and school us on the origin of Jett's winner celebration after the finish at RedBud.(40:49) RC and RV react to a VitalMX interview with Chase Sexton before racing at RedBud.(49:22) RC and RV review the action from the 250s at RedBud. Starting with Jo Shimoda.(53:32) What do you think Deegan's issues were this week?(56:16) RC on Jalek Swoll “Another impressive ride.”(1:01:57) Viewer question - “Do you agree with Gypsy on banning the paddle tires?”(1:09:09) Why won't American manufactures make dirt bikes and start a factory team?
ARCN Ep 103 - Fast 3D Printing with JoyAfter trying Joe's new (Anycubic Kobra2) loaned 3D printer, Matt realizes the 3D printing market may have made a generation skip. It seems as though print times are reducing by orders of magnitude. (5x+ faster) So I reached out to Richard Joy again to talk about what impact these new high-speed printers are affecting what people are doing in RC.Richard's Presentation: https://docs.google.com/presentation/d/18fvqSRb6LwY7aEVm7S07Qugv7CoQPfx-RWFLwtOtNYU/edit?usp=sharingWant to 3D Print? Learn More:https://all3dp.com/get-started/get-started-with-3d-printing-at-home/Printers:https://bambulab.com/en/comparehttps://store.anycubic.com/products/https://www.prusa3d.com/category/3d-printers/Lightweight Filamenthttps://colorfabb.us/lw-pla-naturalPodcast Linkshttps://discord.gg/dpjGee6dtPwww.Patreon.com/aviationrcnoob/www.aviationrcnoob.comhttps://x.com/noob_rcEmail UsAviationrcnoob@gmail.commatthew@avationrcnoob.comJoe@aviationrcnoob.com#RC #Aviation #Noob #ARCN #3d printing #Bambu #AnyCubic #Kobra3 #LW-PLA #Airplanes #Anycubic**Episode 103 Bookmarks**00:00:00 Intro00:04:40 RC Flying01:01:35 Next Generation Printing01:23:40 presentation 01:55:30 Audio Glitch02:57:30 Close Music: www.purple-planet.com
Welcome to In My Opinion, the weekly podcast where host Tony Rogers lets it RIP on everything happening in the world of dirt oval RC racing! From race-day drama and setup tips to hobby shop talk and trends, Tony shares his unfiltered take on the sport we all love.But this isn't just Tony's show—it's yours too. Join the conversation by dropping your thoughts in the chat, where your comments and hot takes might just get featured on air. Whether you're a seasoned racer or just getting your tires dirty, this is the place where passion meets opinion—wide open and full throttle.
L'émission 28 minutes du 02/07/2025 Aide au développement : les pays riches ont-ils laissé tomber les plus pauvres ?Du 30 juin au 3 juillet, les Nations Unies organisent la quatrième conférence sur le financement du développement, dans un contexte particulièrement délétère pour l'aide au développement. 40 milliards de dollars ont été supprimés du budget de l'USAID (l'agence américaine d'aide au développement) par l'administration Trump depuis janvier 2025, alors que les États-Unis étaient les principaux donateurs d'agences onusiennes et d'ONG. La France n'est pas épargnée : prise en tenaille entre les économies prévues par la loi de finances 2025 et la course au réarmement, l'Agence française de développement (AFD) se voit privée de 2 milliards d'euros, soit un tiers de son budget. Pour décrypter ces enjeux, nous recevons Jean-Michel Sévérino, ancien directeur de l'AFD et président du conseil de surveillance d'Investisseurs et partenaires, un fond dédié au développement des petites et moyennes entreprises en Afrique. Condamnation de Boualem Sansal : la France doit-elle hausser le ton avec l'Algérie ?Lundi 30 juin, le journaliste français Christophe Gleizes a été condamné à 7 ans de prison en Algérie pour "apologie du terrorisme", alors qu'il réalisait un reportage pour "So Foot". Il lui est reproché des faits datant de 2024 : s'être entretenu avec l'ancien président d'un club de football, depuis devenu un leader indépendantiste kabyle. Le lendemain, l'écrivain franco-algérien Boualem Sansal écopait, lui, de 5 ans d'emprisonnement en appel pour "atteinte à l'unité nationale" car il a estimé, dans un entretien accordé au média français d'extrême-droite "Frontières", que l'Algérie avait hérité de territoires marocains suite à la colonisation française. Ces condamnations s'inscrivent dans des tensions diplomatiques jamais vues entre Paris et Alger. Celles-ci ont débuté à l'été 2024, quand Emmanuel Macron a reconnu la souveraineté marocaine sur le Sahara occidental, une région disputée entre le Maroc et les indépendantistes du Front Polisario, soutenus par l'Algérie. Paris dénonce une "posture d'escalade" de la part d'Alger mais s'interroge sur la marche à suivre, entre prudence diplomatique et fermeté. Enfin, alors que le fabricant français de cœurs artificiels Carmat annonce son placement en redressement judiciaire, Théophile Cossa nous explique le fonctionnement de cette innovation biomédicale. Marjorie Adelson nous emmène en Suisse, où des scientifiques congèlent des milliers d'excréments humains pour sauver la diversité du microbiote humain. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 2 juillet 2025 Présentation Jean-Mathieu Pernin Production KM, ARTE Radio
In today's episode:RINO hunting continues with a Magnificent Sifter in the form of the BBBTrump heads to "Alligator Alcatraz"Concerns about illegal aliens voting in Arizona and a new government citizenship database to check voter registrations againstPalantir and Accenture join forces to use AI in making the government more efficientPeter Thiel believes that the antichrist is coming and whoever it is, it's the opposite of Peter ThielJordan Peterson seems to have finally (and sadly) lost his marblesCharlie Kirk spoon-feeds MAGA a Mitch McConnell replacement in Kentucky who just happens to be, like Blake Masters and Vivek!, a friend of JD! VanceRFK lets Tucker know that Trump chose his Fantasy Team administration selecting primarily for TV charactersJD! casts the tie-breaking vote for the BBB and now he owns itMeghan McCain endorses JD for 2028The BBB passes the Senate and heads to the House while Elon Musk has reignited the Trump-Musk Celebrity Breakup StoryScott Bessent discusses the potential for a shadow Fed chair and Trump pushes Powell to lower ratesVladimir Putin signals deep respect for President TrumpNarrative power adjustments for the Israel/Iran narrative continue.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
This week we're joined once again by guest hosts Rob Bingham and Stu Smith who take us on a trip across the pond to the largest funfly in the Uk, Helifest. Rob and Stu sit down with event organizers, pilots, team managers, and manufacturers and ask them about the new innovative contest format as well as what's new in their hobby worlds. Special thanks to Rob and Stu for all their efforts to bring us along to see how things are done in the UK. The lull in news just before IRCHA is upon us, so not a lot of news this week, but plenty to hear about from the crew's summer adventures in the hobby.As always... thanks for listening!Website:www.rotorrevolution.liveFacebook:www.facebook.com/rotorrevolutionrcpodcastEmail:questions@rotorrevolution.iveSwag Store:www.zazzle.com/rotorrevolution
L'émission 28 minutes du 01/07/2025 Un psychiatre se met dans la tête de Xavier Dupont de LigonnèsIl a tant fait couler d'encre. L'insaisissable Xavier Dupont de Ligonnès, meurtrier présumé de sa propre famille et dont la trace s'est mystérieusement évaporée depuis 2011, continue de hanter l'imaginaire collectif. Le psychiatre Daniel Zagury, spécialiste reconnu de la psychopathologie et de la psychiatrie légale, travaille depuis des décennies auprès des tribunaux, où il évalue la santé mentale de ce qu'il appelle des “monstres ordinaires”. Dans son dernier ouvrage, “Xavier Dupont de Ligonnès. L'énigme publique numéro un”, publié aux éditions du Seuil, il tente de pénétrer l'esprit d'un homme qu'il n'a pourtant jamais rencontré. Il signe ainsi une “enquête psychique”, telle qu'il a pu réaliser avec des criminels comme Michel Fourniret, Patrice Allègre ou Guy Georges qu'il a expertisé en amont de leurs procès.Moratoire sur les éoliennes, loi Duplomb, y a t-il un front anti-transition écologique ?C'est à huis clos, en commission mixte paritaire, que 7 sénateurs et 7 députés ont trouvé un compromis sur la loi Duplomb, visant à lever « les contraintes à l'exercice du métier d'agriculteur ». Un texte vivement contesté par les manifestants réunis le 30 juin près de l'Assemblée nationale, qui dénonçaient son caractère rétrograde. En cause notamment : la réintroduction d'un néonicotinoïde, insecticide nocif pour les abeilles, et l'assouplissement des règles sur l'élevage intensif. Le compromis prévoit toutefois une clause de réexamen dans trois ans, jugée insuffisante par les opposants. Cet accord intervient quelques jours après le vote controversé, et finalement annulé, d'un moratoire sur l'éolien et le photovoltaïque, porté par la droite et l'extrême droite. Loi Duplomb, moratoire sur les éoliennes, suppression des ZFE, vote de la réouverture de la centrale de Fessenheim fermée depuis 2020 : faisons-nous face à une multiplication des textes anti-transition écologique ? Enfin, Théophile Cossa nous explique les coulisses du rachat de TikTok aux États-Unis et Marjorie Adelson nous raconte les mésaventures de Norvégiens gagnants au loto mais… privés de gros lot ! 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 1er juillet 2025 Présentation Jean-Mathieu Pernin Production KM, ARTE Radio
L'émission 28 minutes du 01/07/2025 Moratoire sur les éoliennes, loi Duplomb, y a t-il un front anti-transition écologique ?C'est à huis clos, en commission mixte paritaire, que 7 sénateurs et 7 députés ont trouvé un compromis sur la loi Duplomb, visant à lever « les contraintes à l'exercice du métier d'agriculteur ». Un texte vivement contesté par les manifestants réunis le 30 juin près de l'Assemblée nationale, qui dénonçaient son caractère rétrograde. En cause notamment : la réintroduction d'un néonicotinoïde, insecticide nocif pour les abeilles, et l'assouplissement des règles sur l'élevage intensif. Le compromis prévoit toutefois une clause de réexamen dans trois ans, jugée insuffisante par les opposants. Cet accord intervient quelques jours après le vote controversé, et finalement annulé, d'un moratoire sur l'éolien et le photovoltaïque, porté par la droite et l'extrême droite. Loi Duplomb, moratoire sur les éoliennes, suppression des ZFE, vote de la réouverture de la centrale de Fessenheim fermée depuis 2020 : faisons-nous face à une multiplication des textes anti-transition écologique ? On en débat avec Frédéric Dabi, directeur général Opinion de l'Ifop, Anne Bringault, directrice des Programmes du Réseau Action Climat et Charles Sapin, journaliste politique au Point. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 1er juillet 2025 Présentation Jean-Mathieu Pernin Production KM, ARTE Radio
(0:00) Welcome to Title 24(:35) RC and RV share their thoughts on the tragic death of motocross racer Aidan Zingg.(2:36) RV is reliving the good ole days and is back on the bike racing.(5:30) Does RV think his near stock yz450f is as fast as his last factory bike?(7:40) RC " I liked going to Southwick only because I knew it was going to be tough."(10:34) RC "… just an absolute clinic.(13:44) RC "Dude, Prado, great to see him up there.(19:41) RC "I want to talk a little bit about Eli and give some props to him."(25:10) Do you think all the years training alone is why Eli is struggling to make passes and be aggressive?(28:15) A couple of notables from the 450 class. (29:37) Recap of the 250 action at Southwick.(30:48) RV about Haiden Deegan "I think he's got everybody beat before they leave the bleep truck.”(36:42) Is it too early to start talking about Jett vs Haiden?(42:21) Do you think if Deegan wraps up the 250 title early, he would consider stepping up to the 450 for the final round?
⏱️ Timestamps 00:01 – Intro & Pekko's return from the U.S. 02:08 – Official show intro & Nationals setup 10:48 – Finnish RC scene & mentoring young drivers 22:12 – New ROAR format: pros & cons 27:22 – Truggy: Maifield vs. Phend 33:12 – Tire wear & track surface changes 39:08 – Wilson's TQ + main event chaos 44:57 – Great drives from Wiggins & Lemieux 57:12 – Euro vs. U.S. racing styles 1:14:10 – LCQ rules: 1 or 2 bump spots? 1:20:23 – Lil Bump vs. Cav & Rivkin – Should there be a penalty? 1:42:58 – Phend's composure vs. Maifield's pressure 2:00:04 – Ebuggy format suggestions 2:12:34 – Worlds predictions: Top 6 from EU & USA 2:58:38 – Phend takes #1 in RC Top 25 Rankings 3:04:34 – How the Top 25 system works 3:16:39 – Worlds bias & tire additive legality
Get ready to hit the throttle in the debut episode of the Ridgeway Off Road RC Show! Host Aidan Ridgeway kicks things off by diving into the fast-paced world of RC off-road racing. From buggies to trucks, from setups to track strategy, Aidan lays the groundwork for what this show is all about: passion, performance, and pure dirt-flinging fun. Whether you're new to the hobby or a seasoned racer, this episode sets the tone for a show built on power, precision, and everything off-road RC.
L'émission 28 minutes du 30/06/2025 Canicules à répétition : faut-il tout revoir dans notre façon de travailler ?Lundi 30 juin, 84 départements français ont été placés en vigilance orange canicule par Météo-France. Localement, le thermomètre pourra atteindre les 40°C, et dépasse les 34°C dans tous les départements concernés. Dès le 1er juillet, un décret régissant les obligations des employeurs quant à "la réduction des risques liés à l'exposition aux épisodes de chaleur intense" devrait entrer en vigueur. Depuis 2018, au moins 48 travailleurs sont morts en raison des fortes chaleurs, selon la Direction générale du travail. Cette vague de chaleur est la cinquantième depuis 1947, mais 33 d'entre elles se sont produites depuis 2000, preuve de l'accélération du phénomène. Face à ces canicules à répétition, comment changer notre manière de travailler ? Enfin, alors qu'il est désormais interdit de fumer dans les parcs, devant les écoles et à la plage, Théophile Cossa nous explique comment fonctionne la lutte contre le tabagisme. Marjorie Adelson nous raconte l'histoire de Dom Robinson, un Britannique féru de plongée sous-marine qui s'est acheté une épave. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 30 juin 2025 Présentation Jean-Mathieu Pernin Production KM, ARTE Radio
L'émission 28 minutes du 30/06/2025 L'humoriste Waly Dia s'inspire de l'actualité pour taper là où ça fait rire"Le rire naît de l'absurdité des faits eux-mêmes". Waly Dia, humoriste et comédien sarcastique et pinçant, puise son inspiration dans l'actualité. Il est en tournée pour son dernier spectacle, "Une heure à tuer". Son humour est politique et engagé, sa "façon de militer, c'est de faire rire ceux qui luttent". Sa carrière débute en 2010, et prend un élan à partir de 2012 avec le Jamel Comedy Club. En 2020, il rejoint France Inter pour une émission hebdomadaire, où il gagne une "rigueur d'écriture" car "il faut tirer son épingle du jeu", et qui propulse Waly Dia parmi les humoristes remarqués de la scène française. Il quitte France Inter en 2023, se consacre à l'écriture de spectacles et officie depuis 2024 chez Mediapart.Canicules à répétition : faut-il tout revoir dans notre façon de travailler ?Lundi 30 juin, 84 départements français ont été placés en vigilance orange canicule par Météo-France. Localement, le thermomètre pourra atteindre les 40°C, et dépasse les 34°C dans tous les départements concernés. Dès le 1er juillet, un décret régissant les obligations des employeurs quant à "la réduction des risques liés à l'exposition aux épisodes de chaleur intense" devrait entrer en vigueur. Depuis 2018, au moins 48 travailleurs sont morts en raison des fortes chaleurs, selon la Direction générale du travail. Cette vague de chaleur est la cinquantième depuis 1947, mais 33 d'entre elles se sont produites depuis 2000, preuve de l'accélération du phénomène. Face à ces canicules à répétition, comment changer notre manière de travailler ? Enfin, alors qu'il est désormais interdit de fumer dans les parcs, devant les écoles et à la plage, Théophile Cossa nous explique comment fonctionne la lutte contre le tabagisme. Marjorie Adelson nous raconte l'histoire de Dom Robinson, un Britannique féru de plongée sous-marine qui s'est acheté une épave. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 30 juin 2025 Présentation Jean-Mathieu Pernin Production KM, ARTE Radio
Send us a textBaylea Kronseder shares her journey from racing RC cars to competing in quarter midget nationals at just 11 years old, discussing how motorsports has transformed her from shy kid to confident racer and mentor.• Began racing at age 9 after previously racing RC cars, following a family tradition of motorsports• Currently races in Senior Honda class, moving to Heavy Honda, and building a Heavy 160 car• Helps her father build and set up her race cars, gaining valuable technical knowledge• Has multiple sponsors supporting her racing career including Tom Steffens Racing and Living Like Outlaws• Focuses on NASCAR youth national races, traveling to tracks across multiple states• Particularly enjoys introducing new people to motorsports and encouraging younger drivers• Names NASCAR Truck Series driver Natalie Decker as her racing role model• Racing has significantly boosted her confidence, transforming her from "super duper shy" to outgoing• Pre-race ritual includes stopping for Wawa breakfast sandwiches before heading to the track• Goal for this season is to win one of her national racesFind Baylea on Facebook and Instagram at Baylea Kronseder Racing to follow her racing journey.Support the showFACEBOOK: https://www.facebook.com/womensmotorsportsnetworki/ INSTAGRAM: https://www.instagram.com/womensmotorsportsnetwork/ LINKEDIN: https://www.linkedin.com/in/melindarussell/ TIKTOK: https://www.linkedin.com/in/melindarussell/ X: https://x.com/IWMANation FACEBOOK Personal Page: https://www.facebook.com/melinda.ann.russell
L'émission 28 minutes du 28/06/2025 Ce samedi, Renaud Dély décrypte l'actualité internationale avec nos clubistes : Jon Henley, correspondant Europe pour le quotidien “The Guardian”, Zyad Limam, directeur et rédacteur en chef d'”Afrique Magazine”, Aysegul Sert, journaliste turco-américaine et professeure à l'école de journalisme de Sciences Po et docteur en géopolitique, et le dessinateur de presse, Pierre Kroll. Gaza : la nourriture comme arme de guerre ?“Le simple fait de vouloir survivre est devenu une condamnation à mort”, a déclaré le chef du bureau humanitaire de l'ONU pour Gaza, Jonathan Whittall. 400 civils sont morts depuis le début de l'année en tentant de rejoindre les points de distribution mis en place par les Israéliens et les Américains dans des zones militarisées. Depuis la fin du blocus humanitaire, il y a un mois, la Fondation humanitaire de Gaza (GHF), une organisation israélo-américaine controversée, est chargée de la distribution de l'aide alimentaire. Conclave sur les retraites : le dialogue social est-il encore possible en France ?Après quatre mois de discussion et 18 réunions au sommet entre le patronat et les trois syndicats toujours à la table, les participants au conclave sur les retraites ne sont pas arrivés à un accord. Le Premier ministre François Bayrou, qui l'avait mis en place, a fait état le 26 juin “d'avancées et de progrès” et a salué le “travail remarquablement utile” des partenaires sociaux. Il a même évoqué un accord “implicite”. Cet échec reflète l'incapacité des organisations patronales et syndicales à s'entendre, à l'instar des députés dans l'hémicycle. Est-il encore possible de trouver des compromis en France ? Nous recevons Madeleine Leclair, co-commissaire de l'exposition "Afrosonica". Ce néologisme a été inventé spécialement pour l'exposition qui se tient actuellement au musée d'ethnographie de Genève. “Afro” renvoie aux identités culturelles, aux luttes politiques et aux spiritualités africaines tandis que “sonica” cherche à nous faire comprendre le pouvoir du son sur nos émotions. L'exposition offre un voyage dans le temps à travers plus de 200 instruments, objets, peintures et installations contemporaines. Marion L'Hour nous emmène à Amsterdam qui met en place un programme d'intégration pour les “expats”. Les expatriés temporaires et les ressortissants européens sont de plus en plus nombreux à s'installer à Amsterdam, ils représentent une personne sur dix dans la ville. Ils s'intègrent peu et leurs salaires confortables accentuent la gentrification. Pour y remédier, la mairie d'Amsterdam a décidé de leur imposer des cours de langue et de culture locale en partenariat avec les entreprises qui les engagent. Olivier Boucreux décerne le titre d'employé de la semaine à l'écrivain franco-algérien, Boualem Sansal. 10 ans de prison ont été requis contre lui en appel, soit deux fois plus que la peine prononcée en première instance en mars dernier. Il est accusé d'atteinte à l'intégrité du territoire national pour ses propos sur les frontières algériennes. Jean-Mathieu Pernin zappe sur la télévision argentine où le président Javier Milei a pris une série de décrets facilitant l'achat d'armes d'assaut par les civils. Jusqu'à présent, seuls les militaires pouvaient avoir en leur possession des armes semi-automatiques.Natacha Triou se demande ce que signifie être adulte pour les jeunes en 2025. Selon une étude Opinionway publiée cette semaine, tous les jeunes n'accèdent pas à l'autonomie au même moment, généralement pas avant 20 ans. Enfin, ne manquez pas la question très intéressante de David Castello-Lopes : pourquoi y a-t-il des pièces de 10 000 euros ?28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 27 juin 2025 Présentation Renaud Dély Production KM, ARTE Radio
In today's episode:The Supreme Court ends nationwide injunctions, a massive blow to the Regime lawfare apparatusSCOTUS decides in favor of parents opting their children out of being exposed to LGBTQ materialSCOTUS allows the FCC to keep a tax in place in a rare opinion benefitting the administrative state - were bigger issues at play?SCOTUS rules that states can block Medicaid from going to Planned ParenthoodA communist character "wins" the fake NYC mayoral primary, causing meltdowns and bringing a response from the oligarch classInvestigations into the 2024 election proceed in ways that 2020 investigations could notPew attempts to reframe the 2024 election demographicsEmil Bove is cagey about Biden's legitimacy and says specific claims about the 2020 election are still the subject of litigationGavin Newsom saw Dominion take $787 million from Fox News and decides to try it himselfDonald Trump brings "daddy" energy to the NATO summitTrump gets Bibi's back in his upcoming trials, calling it a witch hunt similar to his own (because it is)Trump up-brands the B2Steve Bannon announces the end of forever wars, exposes Fox News, and talks about the nuclear MacGuffinTrump and China suggest they've reached terms on a trade dealTrump, Netanyahu, and Arab nations (potentially even Iran) seem extremely close to an end of hostilities and a deal on Abraham AccordsTrump and Iran seem to be approaching a deal for civilian nuclear energy (all of these deals were likely reached in 2020 or prior)Trump is willing to bomb again if necessaryKim Jong Un opens up a beach resortPromises made, promises kept.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
"This does not spark joy." Those were the words that were rolling around my head for a good portion of this year…until recently. I've been struggling with disinterest in the hobby and this episode of The RC Newb Podcast focuses on my thoughts during these "blah" times. Thankfully, I've snapped out of whatever funk I was in, and I'm back to working on a handful of R/C-related projects. If the hobby has ever bummed you out, hopefully this episode can help. Show Notes: Rlaarlo releases its TK07 1/7-scale trail truck FMS releases new brushless FCX24 Power Wagon, FCX24 Chevy K5 Blazer, and FCX18 Toyota Land Cruiser 80 models Traxxas keeps building its circle track lineup with the Slash Late Model BL-2S Losi's 2025 NASCAR lineup has been released Rip the cushion with Losi's 22S Sprint Car Summer R/C Deals: Redcat's Hot Summer Sale Associated Electric's 2025 "Christmas in June" Sale Horizon Hobby's Precision and Power Savings Event Save on R/C upgrades with these discount codes: Save $5 on accessories from fmshobby.com with coupon codeRCNEWB Save 5% at injora.com with one-time-use coupon SMALLSCALERC5 Save 5% at rcawd.com with coupon code RCNEWB5
In My Opinion is the unfiltered voice of the RC world, hosted by the always outspoken Tony Rogers. Every Friday on RCU Radio, Tony dives deep into the RC hobby — from racing to industry trends and hot takes. With bold opinions and unmatched passion, Tony speaks his mind and doesn't hold back. If you're ready for real talk, strong views, and everything RC, this is your show.
L'émission 28 minutes du 27/06/2025 Ce vendredi, Renaud Dély décrypte l'actualité en compagnie de nos clubistes : Iannis Roder, professeur agrégé d'histoire dans un collège de Seine-Saint-Denis, Nesrine Slaoui, écrivaine et journaliste, Blanche Leridon, directrice éditoriale de l'Institut Montaigne, ainsi que la dessinatrice de presse Coco.2027 : Dominique, Gérald, Raphaël et les autres…Le nombre de candidats en lice pour l'élection présidentielle de 2027 ne cesse de grimper. Ce lundi 23 juin, Dominique de Villepin annonçait la création de son parti, La France humaniste. Le même jour, l'eurodéputé socialiste Raphaël Glucksmann présentait sa "vision pour la France" et posait ses jalons pour la course présidentielle. Mercredi, c'était au tour de Gérald Darmanin, qui n'a jamais caché ses ambitions présidentielles, d'annoncer une série de propositions censées "susciter le débat" au cours de l'été. Pourquoi y a-t-il tant de candidats alors que le premier tour de la présidentielle n'est que dans deux ans ? Donald Trump : dirigeant belliqueux ou futur Nobel de la paix ?Lors de sa campagne, Donald Trump jurait de mettre un terme aux "guerres éternelles de l'Amérique". Le président américain avait annoncé terminer la guerre en Ukraine "en 24 heures", mais il semble finalement n'avoir que peu d'influence sur ce conflit. S'il a bien réussi à instaurer un cessez-le-feu entre Israël et l'Iran en s'impliquant lui-même dans le conflit en frappant l'Iran. Donald Trump est-il un homme de guerre ou un homme de paix ? Nous recevons Alexandre Mare, commissaire de l'exposition consacrée à David Lynch à la galerie Duchamp d'Yvetot. Pour cette exposition, la facette cinématographique de David Lynch est mise de côté pour laisser toute la place aux lithographies surréalistes du réalisateur. Une cinquantaine d'œuvres, choisies par Alexandre Mare et David Lynch avant sa mort, y sont exposées jusqu'au 21 septembre. "La langue française n'est pas la propriété singulière de la France", a dit Jean-Luc Mélenchon le 18 juin lors d'un colloque sur la francophonie. Il n'en fallait pas plus pour provoquer l'ire du Garde des Sceaux Gérald Darmanin qui lui a rétorqué que "la langue française appartient aux Français". C'est le duel de la semaine de Marion L'Hour. Dans une énième outrance postée sur son réseau social Truth Social, Donald Trump s'est employé à menacer l'Iran. Le tube "Barbara Ann" des Beach Boys s'est transformé en "Bombing Iran", chanson parodique jalonnée d'appels à "transformer l'Iran en parking" ou à "mettre dans une boîte" Ali Khamenei. C'est le Point com de Natacha Triou. Mardi 24 juin, Zohran Mamdani a créé la surprise en s'imposant à la primaire démocrate pour le poste de maire de New York. Cet homme de 33 ans, arrivé aux États-Unis à l'âge de 7 ans depuis Le Cap, était encore inconnu des New-yorkais il y a quelques mois. Mais, la communication audacieuse de ce partisan de l'aile gauche des démocrates a payé. C'est l'histoire de la semaine de Claude Askolovitch.Enfin, ne manquez pas la Une internationale sur les nouvelles tractations entre Trump et Zelensky ; les photos de la semaine soigneusement sélectionnées par nos invités, ainsi que Dérive des continents de Benoît Forgeard !28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 27 juin 2025 Présentation Renaud Dély Production KM, ARTE Radio
In this episode, Associate Pastor Jason White continues a series entitled June at the RC. Each week Pastor Jason White will be joined by Lead Pastor Jason Allums and they will be discussing various topics throughout the month of June. Part Four speaks to the 4th of July holiday and how America was founded on a religious foundation of Christianity!We hope you are encouraged and blessed!Revival Talks is a series of discussions where staff from our church and members of our community sit down and talk about various topics in light of what is going on in our church, our community, and our world.For more information about our church visit us on our website, our Facebook page, and our YouTube.Support the show
Pete and Mike discuss the season 2 finale of Dead City. Not a bad episode of Dead City: Pete and Mike think the Dead City season 2 finale episode was great, but it just lacked a proper ending. The episode had a lot of things going on, which was great, but it was a sloppy season […] The post Dead City: Season 2, Episode 8 Mashup Podcast appeared first on So Many Shows!.
L'émission 28 minutes du 26/06/2025 Déficit de l'Assurance maladie : faut-il tailler dans les dépenses de santé ?Dans un rapport publié le 24 juin, l'Assurance maladie alerte sur l'accroissement de son déficit dans les prochaines années : il pourrait s'élever à 41 milliards d'euros à l'horizon 2030, contre 16 milliards d'euros cette année. Cette hausse est multifactorielle mais plusieurs causes s'imposent notamment le vieillissement de la population, qui devrait induire une hausse des maladies chroniques, mais aussi l'augmentation du nombre d'arrêts de travail délivrés par les médecins. Dans son rapport, l'Assurance maladie formule 60 propositions pour anticiper cette hausse du déficit. Parmi elles : médicaliser les Ehpad pour éviter les allers-retours aux urgences, dérembourser certains médicaments jugés peu efficaces ou encore interdire les dépassements d'honoraires sur les actes de dépistages organisés. Faut-il réduire les dépenses de santé pour amoindrir le déficit de l'Assurance maladie ? On en débat avec le docteur François Sarkozy, médecin et consultant, Laurence Cohen, ancienne sénatrice PCF du Val-de-Marne et Marguerite Cazeneuve, directrice déléguée de la Caisse nationale de l'Assurance maladie.28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 26 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio
L'émission 28 minutes du 26/06/2025 Jeanne Cherhal chante les femmes et leurs combats, tout en délicatesseJeanne Cherhal est autrice, compositrice et interprète française et chante depuis plus de 20 ans. Elle sort cette année "Jeanne", son 7e album pour lequel elle a collaboré avec Benjamin Biolay. À l'image de sa carrière, la question de la liberté des femmes, du sexisme ou encore des tabous y occupent une place centrale. Son morceau "Le cri des loups" évoque les agresseurs sexuels que Jeanne Cherhal a rencontré au cours de sa vie. Dans "Sous les toits", elle dépeint les violences conjugales dans l'intimité du foyer. L'écologie ou la santé mentale trouvent aussi leur place dans ce nouvel album engagé, fruit de son époque. Déficit de l'Assurance maladie : faut-il tailler dans les dépenses de santé ?Dans un rapport publié le 24 juin, l'Assurance maladie alerte sur l'accroissement de son déficit dans les prochaines années : il pourrait s'élever à 41 milliards d'euros à l'horizon 2030, contre 16 milliards d'euros cette année. Cette hausse est multifactorielle mais plusieurs causes s'imposent notamment le vieillissement de la population, qui devrait induire une hausse des maladies chroniques, mais aussi l'augmentation du nombre d'arrêts de travail délivrés par les médecins. Dans son rapport, l'Assurance maladie formule 60 propositions pour anticiper cette hausse du déficit. Parmi elles : médicaliser les Ehpad pour éviter les allers-retours aux urgences, dérembourser certains médicaments jugés peu efficaces ou encore interdire les dépassements d'honoraires sur les actes de dépistages organisés. Faut-il réduire les dépenses de santé pour amoindrir le déficit de l'Assurance maladie ? Alors que la Convention internationale sur le recyclage des navires entre en vigueur aujourd'hui, Xavier Mauduit en profite pour nous raconter l'histoire de "L'Implacable", un navire mis à l'eau en 1800 et coulé en 1949. Marie Bonnisseau nous emmène en Chine, qui redore son image sur Internet à grands renforts d'influenceurs recrutés par le Parti communiste chinois.On en débat avec le docteur François Sarkozy, médecin et consultant, Laurence Cohen, ancienne sénatrice PCF du Val-de-Marne et Marguerite Cazeneuve, directrice déléguée de la Caisse nationale de l'Assurance maladie.28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 26 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio
Buckle up for the 132' Podcast – your all-access pass to the wild world of RC drag racing! Every Wednesday, join Honcho, B RAD, and Travis as they dive deep into the fast-growing scene of no-prep RC drag racing across the country. From detailed car builds and top-secret tuning tips to race-day stories and trackside interviews, these guys bring you raw, unfiltered coverage straight from the 132 feet of action. Whether you're a veteran racer or just getting started, the 132' Podcast is where speed meets stories, and every episode takes you one step closer to the winner's circle
L'émission 28 minutes du 25/06/2025 OTAN : l'UE doit-elle devenir une machine de guerre ?"L'Europe de la défense s'est enfin réveillée", a affirmé Ursula von der Leyen mardi 24 juin, à l'ouverture d'un sommet de l'OTAN à La Haye, aux Pays-Bas. Ce réveil est motivé par la guerre en Ukraine et l'arrivée de Donald Trump à la Maison Blanche qui a toujours affirmé sa volonté de ne plus assurer militairement les pays européens s'ils n'investissaient pas davantage. En route pour ce sommet, ce dernier s'est montré ambigu quant à l'engagement américain sur l'article 5 du traité de l'OTAN, qui assure la défense mutuelle entre ses membres. Depuis l'invasion de l'Ukraine par la Russie en 2022, la plupart des pays européens ont consenti à augmenter leurs dépenses de défense, avec à terme l'objectif de les porter à 5 % de leur PIB. Cependant, les Européens achètent entre 60 et 80 % de leur matériel militaire hors d'Europe, faute d'industries suffisantes sur le continent. Face à une instabilité croissante, l'Europe doit-elle devenir une machine de guerre ?On en débat avec Guillaume Lasconjarias, historien militaire, directeur des études et de la recherche de l'IHEDN, Alexandra Saviana, grand reporter à “L'Express” et Anne-Sophie Alsif, économiste, cheffe du bureau BDO France.28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 25 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio
L'émission 28 minutes du 25/06/2025 Maladie de Charcot : Olivier Goy ou le sourire permanent Olivier Goy est un entrepreneur atteint depuis 2020 de la maladie de Charcot. À 46 ans, il est diagnostiqué de cette maladie neurodégénérative qui paralyse progressivement les muscles, tout en laissant au patient toutes ses capacités cognitives. Ces symptômes l'ont conduit à devoir se déplacer en fauteuil roulant et à parler à l'aide d'une intelligence artificielle. Depuis son diagnostic, Olivier Goy se mobilise pour lever des fonds pour la recherche et donner de la visibilité à la maladie de Charcot. Il est notamment ambassadeur de l'Institut du Cerveau, une fondation de recherche reconnue d'utilité publique. Parallèlement, il est le protagoniste du documentaire "Invincible été", qui raconte son parcours, et dont le nom est tiré de la fondation philanthropique qu'Olivier Goy a créé pour financer la recherche sur la maladie de Charcot. OTAN : l'UE doit-elle devenir une machine de guerre ?"L'Europe de la défense s'est enfin réveillée", a affirmé Ursula von der Leyen mardi 24 juin, à l'ouverture d'un sommet de l'OTAN à La Haye, aux Pays-Bas. Ce réveil est motivé par la guerre en Ukraine et l'arrivée de Donald Trump à la Maison Blanche qui a toujours affirmé sa volonté de ne plus assurer militairement les pays européens s'ils n'investissaient pas davantage. En route pour ce sommet, ce dernier s'est montré ambigu quant à l'engagement américain sur l'article 5 du traité de l'OTAN, qui assure la défense mutuelle entre ses membres. Depuis l'invasion de l'Ukraine par la Russie en 2022, la plupart des pays européens ont consenti à augmenter leurs dépenses de défense, avec à terme l'objectif de les porter à 5 % de leur PIB. Cependant, les Européens achètent entre 60 et 80 % de leur matériel militaire hors d'Europe, faute d'industries suffisantes sur le continent. Face à une instabilité croissante, l'Europe doit-elle devenir une machine de guerre ?On en débat avec Guillaume Lasconjarias, historien militaire, directeur des études et de la recherche de l'IHEDN, Alexandra Saviana, grand reporter à “L'Express” et Anne-Sophie Alsif, économiste, cheffe du bureau BDO France.Enfin, Xavier Mauduit nous raconte l'histoire des statues de Notre-Dame de Paris, qui font leur retour sur la cathédrale. Marie Bonnisseau nous plonge dans l'univers marin des orques, qui ont été aperçues en train de confectionner des outils pour prendre soin les unes des autres. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 25 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio
Dead City is heading for a finale of epic proportions. Season 2 Episode 6: “Bridge Partners Are Hard To Come by These Days” First-time director: Lauren Cohan, who plays Maggie, directed this episode of The Walking Dead: Dead City. And what an episode to direct. We see something never seen before in the The Walking […] The post Dead City: Podcast Mashup for Season 2, Episodes 6 and 7 appeared first on So Many Shows!.
In today's episode:Trump decides to strike Iran's nuclear facilities in a massive narrative attackNeocons celebrate, thumping their chests as though they did somethingThe antiwar contingent of the Trump-deranged lose their mindsReports about the effectiveness of the strikes varyMark Levin screams about "Islamo-Nazis" and Tammy Bruce says the USA is the greatest nation, well, next to IsraelTo regime change or not to regime change, that is the questionTrump declares peace, rugpulling the neocons and warmongersTrump then tells the world that Iran's retaliatory strikes were planned in advance by all parties, harmed nothing, and were fakeTrump announces a ceasefireThe media pushes stories about how Iran and Israel broke the ceasefireTrump hammers the ceasefire home, directing both sides to end hostilitiesSteve Bannon takes the neocons to taskMark Levin melts down over BannonLevin celebrates Ron! DeeSantis as he simps for Israel and the (false) Central Narrative on IranTrump heads to NATO, maybe to solve Russia-Ukraine, as Zelensky now wants his own ceasefire.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
Send us a textStep into the hunting camp with this special crossover featuring the Elk Bros team sharing their most memorable, hilarious, and sometimes harrowing hunting adventures around a virtual campfire. This unique episode brings together experienced elk hunters Gilbert, Joe, Luis, RC, and Leroy with Hunting Stories host Michael to capture the authentic storytelling that happens when hunting companions gather. The atmosphere crackles with the energy of lifelong friendships forged in remote wilderness pursuits.You'll feel like you're sitting fireside as these veteran hunters trade tales of axis deer hunts in Hawaii, equipment failures at critical moments, and close encounters with bears. Michael shares his recent bow hunting successes while the Elk Bros recount their adventures tracking bulls through blowdown-covered mountainsides and improvising solutions to seemingly impossible situations.The storytelling shines in Luis's account of taking a black bear moments after tracking a wounded elk, RC's tale of facing a bear while following a blood trail, and Joe's remarkable feat of harvesting four different animals with the same arrow in a single season. Throughout it all runs the thread of genuine camaraderie – complete with good-natured ribbing about hearing loss, arrow mishaps, and navigation blunders.What makes this episode special isn't just the hunting knowledge shared (though there's plenty), but how it captures the full experience of hunting camp: the laughter, the mutual respect, and the shared passion that connects these outdoorsmen. Whether you're a seasoned hunter or simply enjoy authentic stories of adventure, this episode delivers unforgettable moments from decades in wild places.Want to hear more hunting camp gatherings like this one? Let me know by messaging on Instagram or leaving a review. If your hunting group would like to share stories on a future episode, reach out directly to be featured!Visit SummitBowstrings.com or call 210-701-7399 to gear up with the best. Summit Bowstrings – where excellence and innovation meet in every string.USE CODE: HSP10
In today's episode:Trump plants his flags at the White House, something he did at the Winter White House in 2006, controversiallySteve Bannon on the Republican Party as Controlled Opposition and the need to unmask the RINOsTulsi Gabbard and the IC's assessment of NOOKSBari Weiss (of Marc Andreesens-sponsored The Free Press) and her guests want warTucker Carlson permanently ruins Ted CruzTed Cruz identifies as a Christian and America First but is a globalist who doesn't seem to know much about ChristianityBibi calls on Iranians to 'rise up' and Lindsay Graham pushed regime changeBibi suggests that the Bible is the basis for preemptive war by quoting the TalmudBibi says Israel is acting to protect themselves and the whole world from the threats Israeli intel made upIsraeli Defense Minister Katz takes credit on behalf of Israel for taking out SaddamTrump pushes for a dealScott Jennings gets caught in the RINO huntDouglas Murray has been begging for preemptive war since 2012Just Say No to NeoconsDurable ends to forever warsThe Russians warn the US about attacking IranThe apparently low value of the element of surpriseControl over Iran's skies and what that meansTrump demands SURRENDER, but from whom?The Ayatollah says there will be no surrender at goes hard after the "Zionist regime"Trump wants total and complete victorySteve Bannon reminds us that all of these people turned on MAGA in 2021.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
Show #320 – Ryan Lutz: The Comeback | The No Name RC Podcast
In today's episode:A court rules that Gavin Newsom cannot stop Trump from deploying the National GuardSCOTUS upholds Tennesse's ban against transition procedures for minorsThe Senate holds a hearing on Biden's autopen and Democrats refuse to participateTrump calls for a special prosecutor to investigate the 2020 election, just as Sidney Powell was set to do in late 2020"China" is claimed to have interfered in the 2020 electionAbe Hamadeh requests a DOJ investigation of Arizona elections and RunbeckTrump deranged liberals believe they have data that proves Kamala really won the fake election of 2024Obama advocates on behalf of government censorshipPutin agrees that the Ukraine war narrative wouldn't have been necessary if Trump was PresidentThe WSJ goes after MAGA 'isolationists'Jenga, the Scofield Bible, and magical bombsTrump says he'll wait a couple weeks before deciding what to do in Iran.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
In this episode, Associate Pastor Jason White begins continues a series entitled June at the RC. Each week Pastor Jason White will be joined by Lead Pastor Jason Allums and they will be discussing various topics throughout the month of June. Part Three is about the importance of missions and mission trips!We hope you are encouraged and blessed!Revival Talks is a series of discussions where staff from our church and members of our community sit down and talk about various topics in light of what is going on in our church, our community, and our world.For more information about our church visit us on our website, our Facebook page, and our YouTube.Support the show
A special mini episode... Our own Alex Dean sits down with IRCHA board member Bert Kammerer for updates on what IRCHA has in store for you in 2025 and a reminder to get your pre-registration in at the below link.Link to pre-register:www.ircha.orgAs always... thanks for listening!Website:www.rotorrevolution.liveFacebook:www.facebook.com/rotorrevolutionrcpodcastEmail:questions@rotorrevolution.iveSwag Store:www.zazzle.com/rotorrevolution
Time Stamps 00:00 - Intro 9:16 - June Is Men's Mental Health Month 11:25 - Max & Lefty Catch Up 20:13 - Max admits he was wrong 26:10 - Team associated B84 33:25 - Science Mode - Kyosho MP11 51:43 - New Reds Engine 54:21 - The Ebuggy Euros Track American style but not Rc? 1:03:19 - Qualifying Recap 1:12:08 - Noha Ben Mohammed, the next big French Pro Driver? 1:21:55 - A Finals Synopsis 1:39:59 Ongaro v Canas The Take out! 1:53:20 Ongaro Wins, but is he feeling The Pressure? 2:12:50 - Winners & Losers 2:16:40 - Video Of Old track, Roar Nats Picks , Lefty Rants about Triple Mains
Join us this week as Mikado team pilot Jesse Kavros joins us to share tuning tips for Mikado's Version 8 software for their EVO FBLs. But we don't just stop there... Thanks to Jesse's 15+ years in the hobby we hear abou the history of Mikado's FBL development, how V7 values translate into V8, and much much more. It's a conversation you don't want to miss. All that plus we try to stop saying "Rotorflight" (Pro Tip, you'll need an adult beverage to play our Rotorflight drinking game), lots of news, someone other than Alex crashes this week, and lots lots more. A don't miss episode!Rotor Replay:https://www.facebook.com/share/v/1EP4aQDdPC/THE SWAG STORE IS LIVE!!!!!www.zazzle.com/rotorrevolutionAll proceeds go to support the show. That said we appreciate all support for the show whether is an email, a facebook comment, or chatting with one of us at a funfly. The swag is simply there for those who repeatedly ask us about offering some.Thanks as always for listening! We greatly appreciate it! email: questions@rotorrevolution.livefacebook: www.facebook.com/rotorrevolutionrcpodcast
(0:00) Welcome to Title 24(1:31) RV recaps his weekend with the Villopoto boys at Hangtown(2:58) RC "This was a first for me" in reference to the red flag finish at High Point.(7:46) RC "Jett is just good dude but they are keeping him close."(8:05) RC about Hunter "His box score finally paid off for him"(12:28) Why couldn't Eli get by Plessinger and J Cooper in Moto1, since that cost him the overall?(18:24) RC "There was a mixed bag this weekend.......as far as who was running the scoop and who was running traditional tires."(20:38) RV "I think that Haiden came out to make a statement to."(24:42) RC on Hymas "I hope he is ok"(29:04) RC on Vialle "He had a hell of a weekend."(31:29) Special guest, Clinton Fowler joins the podcast.(38:16) RC to Clinton "You, once in a while, punch in a fan question. I know what you are doing here.(1:05:58) Upcoming Pro Motocross schedule.(1:07:57) What gave you more confidence going into a race weekend? Having your bike setup spot on or knowing that you had the fitness to run 10 plus 2?
In today's episode:The 10-year delta of the Escalator-in-Chief's Trump Tower escalator rideThe Trump Organization announces a mobile phone/service projectEric Trump joins War Room and calls Trump the greatest RINO hunter in world historyTucker Carlson joins War Room to take RINOs, neocons, and Fox News to the woodshedTrump celebrates him birthday and the opening of America's 250th birthday with a military paradeTrump swears in new soldiers in a display of the relationship between the president and militaryThe incredible, American optics of an optics-only eventThe No Kings rallies were a total flop and downright sadFlashback to the No Kings Act Trump promises an expanded ICE effort for the largest deportation in historyThe "Israel Attacks Iran" narrative begins, and every part of it is unbelievableThe ridiculous notion that Trump and Bibi 'tricked' all Trump's negotiating partners in the Middle East and the desperate cope from the neoconsWe must learn to withhold belief or we will be hoodwinked forever.Connect with Be Reasonable: https://linktr.ee/imyourmoderatorLinks, articles, ideas - follow the info stream at t.me/veryreasonableHear the show when it's released. Become a paid subscriber at imyourmoderator.substack.comVisit the show's sponsors:Diversify your assets into Bitcoin: https://partner.river.com/reasonableDiversify your assets into precious metals: reasonablegold.comJoin the new information infrastructure - get Starlink: https://www.starlink.com/residential?referral=RC-1975306-67744-74Other ways to support the work:ko-fi.com/imyourmoderatorDonate btc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Make life more comfortable: mypillow.com/reasonableMerch site:https://cancelcouture.myspreadshop.com/https://cancelcouture.comFollow the podcast info stream: t.me/veryreasonableYouTube: https://www.youtube.com/@imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, or Gettr - @imyourmoderator Hosted on Acast. See acast.com/privacy for more information.
Ovidia struggles to meaningfully review RC. Nathan and Josh explain it usually comes down to poor passage comprehension. Slow down, read carefully, and make sure you understand the passage before ever looking at the questions.Read more on our website. Email daily@lsatdemon.com with questions or comments. Watch this episode on YouTube!
In this episode, Associate Pastor Jason White begins a new series entitled June at the RC. Each week Pastor Jason White will be joined by Lead Pastor Jason Allums and they will be discussing various topics throughout the month of June. Part Two is about Father's Day and the importance of Father's in the church!We hope you are encouraged and blessed!Revival Talks is a series of discussions where staff from our church and members of our community sit down and talk about various topics in light of what is going on in our church, our community, and our world.For more information about our church visit us on our website, our Facebook page, and our YouTube.Support the show
News includes the Elixir 1.19 RC release featuring up to 4x faster compilation and significant types system improvements, more ElixirConfEU videos including José Valim's keynote on type system updates, the look at the Backpex admin panel for Phoenix LiveView applications, Ash AI's impressive AI integration using the Elixir LangChain library, an informal Elixir Contributors Summit recap from Software Mansion, the Quokka formatter that automatically fixes Credo style code issues, Popcorn's browser-based Elixir implementation with JavaScript interoperability, and the launch of Elixir Observer for better Hex package exploration, and more! Show Notes online - http://podcast.thinkingelixir.com/256 (http://podcast.thinkingelixir.com/256) Elixir Community News https://www.honeybadger.io/ (https://www.honeybadger.io/utm_source=thinkingelixir&utm_medium=podcast) – Honeybadger.io is sponsoring today's show! Keep your apps healthy and your customers happy with Honeybadger! It's free to get started, and setup takes less than five minutes. https://github.com/elixir-lang/elixir/blob/main/CHANGELOG.md (https://github.com/elixir-lang/elixir/blob/main/CHANGELOG.md?utm_source=thinkingelixir&utm_medium=shownotes) – Elixir 1.19 RC release with up to 4x faster compilation for large projects, types system updates, and improved pretty printing https://www.youtube.com/playlist?list=PLvL2NEhYV4Zu421KzHuLICUqieJXI2o_Z (https://www.youtube.com/playlist?list=PLvL2NEhYV4Zu421KzHuLICUqieJXI2o_Z?utm_source=thinkingelixir&utm_medium=shownotes) – ElixirConfEU videos playlist with all 4 keynotes and Lightning Talks https://www.youtube.com/watch?v=po-ckmSt1gI&list=PLvL2NEhYV4Zu421KzHuLICUqieJXI2o_Z&index=13 (https://www.youtube.com/watch?v=po-ckmSt1gI&list=PLvL2NEhYV4Zu421KzHuLICUqieJXI2o_Z&index=13?utm_source=thinkingelixir&utm_medium=shownotes) – José Valim's keynote "Type System and Elixir Updates + Extended Q&A" https://github.com/naymspace/backpex (https://github.com/naymspace/backpex?utm_source=thinkingelixir&utm_medium=shownotes) – Backpex - highly customizable administration panel for Phoenix LiveView applications https://backpex.live/ (https://backpex.live/?utm_source=thinkingelixir&utm_medium=shownotes) – Backpex project landing page https://demo.backpex.live/admin/users (https://demo.backpex.live/admin/users?utm_source=thinkingelixir&utm_medium=shownotes) – Live demo of Backpex admin panel https://hexdocs.pm/ash_ai/readme.html (https://hexdocs.pm/ash_ai/readme.html?utm_source=thinkingelixir&utm_medium=shownotes) – Ash AI documentation - AI implementation for the Ash Framework https://x.com/ZachSDaniel1/status/1927249155019149409 (https://x.com/ZachSDaniel1/status/1927249155019149409?utm_source=thinkingelixir&utm_medium=shownotes) – Zach Daniel's tweet teasing Ash AI features https://blog.swmansion.com/elixir-contributor-summit-2025-shaping-the-future-together-at-software-mansion-cc3271a188eb (https://blog.swmansion.com/elixir-contributor-summit-2025-shaping-the-future-together-at-software-mansion-cc3271a188eb?utm_source=thinkingelixir&utm_medium=shownotes) – Blog post about the informal Elixir Contributors Summit held after ElixirConf EU https://github.com/smartrent/quokka (https://github.com/smartrent/quokka?utm_source=thinkingelixir&utm_medium=shownotes) – Quokka - Elixir formatter that combines mix format and mix credo to automatically fix code style issues https://github.com/software-mansion/popcorn (https://github.com/software-mansion/popcorn?utm_source=thinkingelixir&utm_medium=shownotes) – Popcorn - library for running client-side Elixir in browsers with JavaScript interoperability https://popcorn.swmansion.com/simple_repl/ (https://popcorn.swmansion.com/simple_repl/?utm_source=thinkingelixir&utm_medium=shownotes) – Popcorn live demo REPL https://github.com/atomvm/AtomVM (https://github.com/atomvm/AtomVM?utm_source=thinkingelixir&utm_medium=shownotes) – AtomVM project that Popcorn is based on, compiles to WASM https://www.mimiquate.com/blog/introducing-elixir-observer-a-better-way-to-explore-elixir-packages (https://www.mimiquate.com/blog/introducing-elixir-observer-a-better-way-to-explore-elixir-packages?utm_source=thinkingelixir&utm_medium=shownotes) – Blog post introducing Elixir Observer for exploring Hex packages https://elixir-observer.com/ (https://elixir-observer.com/?utm_source=thinkingelixir&utm_medium=shownotes) – Elixir Observer website for package exploration https://www.youtube.com/watch?v=o-FsRSDg6Pc (https://www.youtube.com/watch?v=o-FsRSDg6Pc?utm_source=thinkingelixir&utm_medium=shownotes) – YouTube demo video of Elixir Observer https://github.com/mimiquate/elixir_observer (https://github.com/mimiquate/elixir_observer?utm_source=thinkingelixir&utm_medium=shownotes) – Open source GitHub repository for Elixir Observer https://elixir-observer.com/packages/ecto (https://elixir-observer.com/packages/ecto?utm_source=thinkingelixir&utm_medium=shownotes) – Example of Ecto package analysis on Elixir Observer Do you have some Elixir news to share? Tell us at @ThinkingElixir (https://twitter.com/ThinkingElixir) or email at show@thinkingelixir.com (mailto:show@thinkingelixir.com) Find us online - Message the show - Bluesky (https://bsky.app/profile/thinkingelixir.com) - Message the show - X (https://x.com/ThinkingElixir) - Message the show on Fediverse - @ThinkingElixir@genserver.social (https://genserver.social/ThinkingElixir) - Email the show - show@thinkingelixir.com (mailto:show@thinkingelixir.com) - Mark Ericksen on X - @brainlid (https://x.com/brainlid) - Mark Ericksen on Bluesky - @brainlid.bsky.social (https://bsky.app/profile/brainlid.bsky.social) - Mark Ericksen on Fediverse - @brainlid@genserver.social (https://genserver.social/brainlid) - David Bernheisel on Bluesky - @david.bernheisel.com (https://bsky.app/profile/david.bernheisel.com) - David Bernheisel on Fediverse - @dbern@genserver.social (https://genserver.social/dbern)
Ricky Carmichael is back with Ryan Villopoto to discuss the fallout from Thunder Valley on Saturday, including Jett Lawrence's climb up the ranks, Aaron Plessinger and when is the right time to pass, Eli Tomac's mistakes, what's Jorge Prado's deal, Chance Hymas' perfect day, Haiden Deegan managing bike problems, a first may be coming at High Point, and the SMX point outlook being very unexpected.(0:00) Welcome back to Title 24, RC.(1:00) Where have you been, Ricky?(2:25) Thunder Valley: Nobby vs. Scoop.(4:58) The Ruts and how the riders managed them.(6:27) Can you practices ruts like that?(9:20) RC: My quick thoughts on the season so far.(13:33) Jett doesn't make the same mistake twice!(14:50) Aaron Plessinger: To Pass or Not to Pass?(24:02) Is the AP win coming this weekend?(25:27) Eli Tomac: Another race, another mistake.(29:45) Why couldn't Tomac bridge the gap?(32:16) Tomac changing teams? AP's thoughts.(34:00) Why is Eli moving teams?(38:31) Justin Cooper and AP sitting pretty in SMX points.(42:21) J. Coop: Moto win “not out of the question.”(43:50) Jorge Prado: “I'm not going to be too critical.”(50:33) Is the Kawi that bad?(51:56) Is blaming the bike disrespectful?(54:21) Chance Hymas: A rebound ride for the ages.(57:21) Did Hymas' ride feel like Deegan Washougal 2023?(59:58) The other 250s and the point deficit.(1:02:58) Haiden Deegan vs. the clutch; preserving the bike.(1:08:40) Should riders use advanced recovery supplements?(1:16:24) High Point: Throwback Moment.(1:18:40) Fowler's Facts: How far can Jett go up the ranks?(1:25:29) Remembering Nicky Hayden.(1:26:28) RV: Heading to Mammoth, and eventually Budds Creek.(1:27:55) One quick story from Villo about soap.(1:30:30) Thanks for watching, see you next week.
Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com. Corey Coates 1:56 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 2:12 Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time. I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen. Chris Whalen 5:43 Thank you, Keith, appreciate your invitation. Keith Weinhold 5:45 Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts? Chris Whalen 6:18 I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways, Keith Weinhold 7:48 mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period. Chris Whalen 8:00 That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it. Keith Weinhold 8:34 And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there? Chris Whalen 8:40 precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century, Keith Weinhold 8:58 right? It's those people in the one to four unit space in residential real estate investing that really got the help there. Chris Whalen 9:06 Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage. Keith Weinhold 10:13 Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes. Chris Whalen 11:02 Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately. Keith Weinhold 11:56 yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans. Chris Whalen 12:15 Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking. Keith Weinhold 12:25 Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the Chris Whalen 12:34 key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is. Keith Weinhold 16:15 Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure Chris Whalen 16:35 and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars. Keith Weinhold 17:15 Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold. the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. 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Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen? Chris Whalen 20:31 I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was Keith Weinhold 23:05 in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices? Chris Whalen 24:02 Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially. Keith Weinhold 25:24 And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments. Chris Whalen 25:47 Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house. Keith Weinhold 26:02 Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times. Chris Whalen 26:16 Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well. Keith Weinhold 28:03 I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris, Chris Whalen 28:19 I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot. Keith Weinhold 29:55 It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well, Chris Whalen 30:29 we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day. Keith Weinhold 32:00 Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places Chris Whalen 32:10 you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that. Keith Weinhold 32:33 One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation? Chris Whalen 33:19 Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that Keith Weinhold 35:20 like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show. Chris Whalen 35:47 Thank you, Keith. Let's do it again. Keith Weinhold 35:49 Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere. Speaking of less expensive, here's an announcement. 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We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Dolf Deroos 42:51 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Advice, opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 43:14 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866. The preceding program was brought to you by your home for wealth, building, getricheducation.com.