Podcasts about Saguaro

The Saguaro stands tall in Arizona's Sonoran Desert. Its adaptability to survive and thrive for decades, even centuries is facinating. It even produces Arizona's Official State Flower. Yet many have been in decline due to climate changes. Guests Dr. Tania Hernandez, Research Scientist at The Desert Botanical Gardens and Children's Author of the book 'Desert Giant' Barbara Bash talk more about its identity to Arizona and the census collecting data to find why saguaros are in decline. Original broadcast archive page with expanded content https://rosieonthehouse.com/outdoor-living-hour-saguaros-with-dr-tania-hernandez-of-the-arizona-botanical-garden-and-author-barbara-bash/

Send us a text and chime in!If you've spent any time in the Sonoran Desert, you've undoubtedly encountered the towering, arms-stretched silhouettes of the saguaro cactus—those iconic green guardians of the Arizona landscape. These remarkable plants aren't just symbols of the American Southwest; they are slow-growing testaments to resilience and longevity. Found almost exclusively in the Sonoran Desert, saguaros thrive in southern Arizona, with large populations in places like Saguaro National Park near Tucson, the Tonto National Forest, and along the desert foothills outside Phoenix. They prefer elevations between 1,000 and 4,000 feet and rely heavily on the desert's unique rhythm of rainfall and sun. What... For the written story, read here >> https://www.signalsaz.com/articles/ever-wonder-how-old-that-saguaro-cactus-is/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

Aquí el diario y la agenda: https://amzn.to/4iK5hIa

In der heutigen Folge habe ich mir Tanja und Godi von Barefoot Feeling eingeladen, um über unsere Erfahrungen mit der Firma Saguaro zu sprechen. Oftmals werden die Schuhe von Saguaro als Billigprodukte verschrien. Aber sind es wirklich Billigschuhe oder sind sie nur günstig, aber qualitativ hochwertig. Darüber und über die Entwicklung welche das Sortiment von Saguaro durchgemacht hat in den letzten Jahren, sprechen wir in dieser Folge. Die Schuhe von Saguaro bekommt ihr mit dem Rabattcoe "Leichtfuessig" übrigens 10% günstiger. Businessschuhe: https://de.saguaro.com/products/noble-1 Clocks: https://de.saguaro.com/products/serene-1 Gummistiefel: https://de.saguaro.com/products/brisk-1 Schlüpfschuhe: https://de.saguaro.com/products/relax-5 [Die FB Gruppe zum Podcast](https://www.facebook.com/groups/370125074000880) [Alexander Tok auf Instagram](https://www.instagram.com/barfuss_im_pott) [Alexander Tok auf facebook](https://www.facebook.com/BarfussimPott) [Rabattcodes und Partnerlinks findest du hier](https://barfuss-im-pott.de/links/)

Tres migrantes murieron al intentar cruzar a EU: CBP Inicia exposición "Siqueiros desde la Intimidad” ¡Aquí te contamos!¿Sabías qué el 20 de marzo es el Día Mundial de la Salud Bucodental?Más información en nuestro podcast

Send us a textSaguaro National Park is home to over 2 million saguaro cacti and some interesting and venomous animals.  Join us to learn about what Brant's favorite animal was as a kid,  hint it lives in the park and is the largest venomous lizard in the United States. There is a lot to explore in this desert environment, come adventure with us. 

Apenas llegada a Palacio Nacional, la presidenta Claudia Sheinbaum quiso mandar un mensaje que impactara en la economía y en los empresarios.

En el norte de México, el proyecto Saguaro Energía de planta de licuefacción de gas representa una amenaza para la excepcional biodiversidad marina del Golfo de California, apodado el 'acuario del mundo'. Científicos y ambientalistas temen colisiones entre barcos metaneros y cetáceos en peligro de extinción. Con su megaproyecto de infraestructura de exportación de gas, la empresa México Pacific promete 13 mil empleos y una inversión récord que haría de México el cuarto exportador mundial de gas. 'Saguaro Energía', así como fue bautizado el proyecto, haría de Puerto Libertad, hoy un pueblito de pescadores del Golfo de California, un centro industrial de licuefacción para exportar 15 millones de toneladas de gas al año hacia los países asiáticos. La infraestructura incluye 800 km de gasoductos desde Texas, una planta de licuefacción y una terminal de exportación para buques metaneros.Lo que no precisa la empresa en su video promocional es que este proyecto generaría un tráfico marítimo de buques metaneros de 300m de largo en el Golfo de California, un brazo de mar al norte de México, conocido por albergar 900 especies de peces incluyendo cetáceos.“El Golfo de California tiene una posición muy interesante que se combina con una dinámica de corrientes. Y además en el interior del Golfo, tiene una diversidad de ambientes que propician una amplia una amplia biodiversidad de invertebrados, peces y mamíferos”, recuerda Jorge Urbán, profesor investigador del departamento de ciencias marinas de la Universidad de Baja CaliforniaEl Golfo de California constituye también el hábitat de especies endémicas como la vaquita marina, un mamífero marino al borde de la extinción. “En peligro está la ballena azul y vulnerable, está la ballena jorobada. En el Golfo de California, hay especies migratorias que se encuentran en el golfo para actividades de reproducción y crianza de sus crías como la ballena azul, la ballena jorobada, y la ballena gris. Y el rorcual común que vive todo el tiempo en el golfo, la segunda más grande del mundo, con una población residente de 500 individuos”, detalla Urbán, coautor de un estudio sobre los impactos potenciales del proyecto Saguaro Energía para la biodiversidad (consulte el informe aquí).La intensificación de la circulación de barcos de gran eslora podría entonces generar dos tipos de amenazas para los cetáceos: contaminación acústica y colisiones, advierte Jorge Urbán, quién se basó en un estudio llevado a cabo en Canadá.  Titulado ‘Previsión y mitigación de las colisiones con buques para las ballenas en el territorio de la Primera Nación Gitga'at. Investigación sobre especies amenazadas', el estudio, conducido por Eric Keen advierte que para 2030, “la mortalidad por colisiones con barcos aumentará 2,3 veces para el caso del rorcual común y 3,9 veces para las ballenas jorobadas, es decir, 2 y 18 muertes por año respectivamente. Tales valores representan pérdidas insostenibles que podrían agotar poblaciones de ambas especies en la región estudiada”, de Canadá, indica Urbán, citando el informe de sus pares canadienses.Las similitudes entre el proyecto de terminal gasífero en Puerto Libertad, México, y las instalaciones de licuefacción en Colombia británica dan una idea del impacto que podrían causar dichas instalaciones en la fauna marina del Golfo de California.“El Golfo de california mide aproximadamente unos 1200 km y ese el recorrido que tenían que hacer completamente los barcos metaneros, extremadamente grandes, cerca de 300 m de longitud, con una velocidad crucero de casi 38 kmp/h, una velocidad considerable para un barco de estas dimensiones”. “Cuando un barco le pega a una ballena, lo mas probable es que la mate”, alerta Urbán.Campaña de ONG 'Ballena o gas'De momento, solo ha arrancado la construcción del gasoducto en el desierto mexicano para transportar el gas extraído en Texas. Pero el proyecto Saguaro suscitó una movilización de organizaciones ecologistas. A través de la campaña 'Ballena o Gas', una treintena de organizaciones entregaron en enero más de 200 000 firmas contra el proyecto, a las autoridades mexicanas.Greenpeace México es parte de este colectivo que cuestiona la utilidad misma del proyecto porque añadirá más gases de efecto invernadero (GEI) a la atmósfera, en contradicción con el compromiso 'Methan Pledge' al que se sumó México, junto con otras naciones del mundo, para reducir las emisiones de metano en 30% para 2030."El metano es uno de los más peligroso gases de efecto invernadero. Su capacidad de absorber el calor es 86% mayor que el Co2. Es un contaminante de vida corta. Pero por su potencial de absopción de calor, es sumamente grave. Para mantenernos por debajo del 1.5°C (de aumento de la temperatura global), es importante limitar este tipo de contaminantes", indica a RFI Pablo Ramírez, coordinador de los programas de energía y cambio climático de Greenpeace México.Preguntada sobre el proyecto Saguaro, la presidenta mexicana Claudia Sheinbaum indicó que aún se encontraba en fase de revisión por la secretaría de Medioambiente y Recursos Natuarales.Escuche el podcast completo: Entrevistas:Jorge Urbán, profesor investigador del departamento de ciencias marinas de la Universidad de Baja California Sur.Pablo Ramírez, coordinador de los programas de energía y cambio climático de Greenpeace México

Proyecto de gas Saguaro tiene cinco juicios de amparo en su contraPolicías listos para auxiliar a usuarios con crisis emocionales en el Metro Inicia operación segundo parque solar fotovoltaico en CubaMás información en nuestro Podcast

Proyecto Saguaro en Sonora aún tiene 5 juicios de amparo: Semarnat Fue detenido Cabrero Segundo presunto líder de un grupo criminal que opera en la selva LacandonaFallece el destacado músico Pepe ArévaloMás información en nuestro podcast

S12:E3 – This episode of Travel FOMO focuses on Jamin and Hilarie's Phoenix finds – including some opportunities for some excellent views – from hiking to touring homes. Their dog-friendly hike along the Pima Wash Trail gave them a glimpse of the classic Saguaro cacti. Photo opp! They topped it off with a tour of Taliesin West, the unique winter home of architect Frank Lloyd Wright. For more context, check out the video that accompanies this podcast (S12:E3 Hiking in Phoenix (+ a tour of Frank Lloyd Wright's home) on YouTube (https://youtu.be/9I0U5Jbux3Q) as part of our “Middle of Nowhere” season. Send us your feedback and thoughts via email at travelfomopodcast@gmail.com. Have your own travel story? Attach a voice memo to your email, and you could hear your own voice in a future episode of the podcast. ____ Travel FOMO is hosted by a husband and wife duo, Jamin and Hilarie Houghton. Learn more about them at www.travelfomopodcast.com. Subscribe to Travel FOMO in two different ways: (1) Watch their adventures on YouTube and (2) Follow audibly from wherever you listen to podcasts. Follow Travel FOMO on social media: Instagram: www.instagram.com/travelfomopodcast Facebook: www.facebook.com/travelfomopodcast TikTok: www.tiktok.com/@travelfomopodcast YouTube: www.youtube.com/@travelfomopodcast

Pablo Montaño, Coordinador general de Conexiones Climáticas

We've arrived at Saguaro National Park in Tucson, Arizona! In episode one from Saguaro, we're joined by Lucas Hetherington who is a biologist at the park. In our conversation, Lucas and I chatted about the geology of the Rincon and Tucson mountains, the biology of the Saguaro Cactus and the many interactions that the keystone species has with the Sonoran Desert. I thoroughly enjoyed my time with Lucas and I am so thankful for all of their work in the park.___Follow us on social!Instagram: https://www.instagram.com/safetravelspodTikTok: https://www.tiktok.com/@safetravelspodYouTube: youtube.com/@safetravelspodSafetravelspod.com  

Ana Laura Magaloni, abogada de Nuestro Futuro AC

Claudia Campero, Coordinadora de Vinculaciones de Conexiones Climáticas

The desert is more than a landscape; it is home. Chris Clarke's personal narrative exemplifies this connection, merging personal reflection with broader ecological advocacy. For those invested in its fate, the desert isn't just a geographic location—it's an integral part of their identity, a family to defend. And as challenges of development and conservation persist, this community remains steadfast, ever-present in their resolve and bound by the timeless spirit of the desert. Key Takeaways: Desert Conservation Journeys: Chris reflects on a year dedicated to exploring and advocating for desert ecosystems, discussing topics ranging from Joshua Trees to border policy to water laws in Nevada. Personal Connection to the Desert: Chris shares personal stories that underline how the desert has become central to his identity and life mission, encapsulating the strong emotional and environmental connection. Collaborations and Interviews: The podcast featured numerous influential figures in desert advocacy in 2024, providing diverse perspectives on ecological and cultural issues affecting desert regions. Challenges and Triumphs: The episode touches on both the successes and setbacks in desert conservation efforts, emphasizing the persistent need for active advocacy. Community Engagement: Through listener stories and support, the podcast fosters a sense of community around the shared goal of protecting desert habitats for future generations. Notable Quotes: "I am the desert and the desert is me." "There is just something about this part of the world that speaks to me." "We are literally all related. How can we not defend this place?" "The desert needs you in 2025 more than it did in 2024." Resources: 90 Miles from Needles https://90milesfromneedles.com Desert Advocacy Media Network https://thedamn.org Our Desert News Newsletter https://desertnews.substack.comBecome a desert defender!: https://90milesfromneedles.com/donateSee omnystudio.com/listener for privacy information.

We are headed west on day two of our 12 Nightmares Before Christmas. It was pitch black on a gorgeous night in the middle of the Arizona desert in October 2003. There was not a cloud in the sky, but billions of stars were observable by the naked eye because Bumble Bee Road is in the middle of nowhere. In every direction, there was nothing but 90,000 acres of rolling hills dotted with Saguaro cactus spikes. Brandon Rumbaugh, age 20, a personal fitness instructor, and his girlfriend, Lisa Marie Gurrieri, a nineteen-year-old secretary for the Salt River Project, were celebrating their one-year anniversary. They had initially wanted to go to Disneyland to commemorate the occasion, but it was too expensive. The couple had been discussing marriage, so they didn't want to spend much money.  So, instead, they thought it would be romantic to go back to the Arizona desert and do some stargazing as they did on their first date. This time, though, they decided to camp out under the stars. Lisa had never been camping before, and the couple didn't really have camping equipment either, so they asked Lisa's mother, Paula, if they could borrow her brand-new white F-150 truck, and they would just sleep in the back of the vehicle with some sleeping bags. Paula wasn't thrilled about them taking the truck since it needed an oil change, but in the end, she gave them permission. Lisa also borrowed her mother's video camera. Then, Lisa made another request; she asked her mother not to tell her Uncle Mike where they were going because she knew that he'd be upset and worried about them. The area had become known as a “party destination. Unfortunately, it would turn out that Uncle Mike had every reason to worry.Join Jen and Cam of Our True Crime Podcast on this episode entitled ‘The Bumblebee Road Murders: Brandon Rumbaugh & Lisa Marie Gurrieri.'If you have any information about this case, please contact the Yavapai County Sheriff's Office or Silent Witness at 480–948–6377.Thank you to our team:Written and researched by Lauretta AllenListener Discretion by Edward October from Octoberpod AMExecutive Producer Nico Vitesse of The Inky PawprintSources:https://www.youtube.com/watchv=Vy0TYqOo_sg&ab_channel=RachelShannonTrueCrimehttps://www.findagrave.com/memorial/22764900/lisa-marie-gurrierihttps://www.newspapers.com/image/125512144/match=1&terms=Paula%20Gurrieri%20https://www.newspapers.com/image/125512236/match=1&terms=Paula%20Gurrieri%20https://www.newspapers.com/image/125513123/match=1&terms=Paula%20Gurrieri%20https://www.newspapers.com/image/125454864/match=1&terms=Paula%20Gurrieri%20https://www.newspapers.com/image/125254509/match=1&terms=Paula%20Gurrieri%20https://www.findagrave.com/memorial/205289317/brandon-keith-rumbaughhttps://www.legacy.com/us/obituaries/azcentral/name/brandon-rumbaugh-obituary?id=27815392https://www.newspapers.com/image/125516344/match=1&terms=Lisa%20Gurrieri%20https://www.newspapers.com/image/125255612/match=1&terms=Lisa%20Gurrieri%20https://www.newspapers.com/image/125503770/?terms=Lisa%20Gurrieri%20https://www.newspapers.com/image/125503785/match=1&terms=Lisa%20Gurrieri%20https://www.newspapers.com/image/125583182/?match=1&terms=Lisa%20Gurrieri%20 (Rusty Rankin)https://www.newspapers.com/image/126708234/?match=1&terms=Lisa%20Gurrieri%20 (Sonoma Ca couple)https://www.newspapers.com/image/125478691/?match=1&terms=Lisa%20Gurrieri%20https://www.newspapers.com/image/361287432/?match=1&terms=Lisa%20Gurrieri%20 (14 years later)https://www.newspapers.com/image/619647478/match=1&terms=Lisa%20Gurrieri%20https://www.abc15.com/news/crime/nearly-20-years-since-the-murders-of-lisa-gurrieri-and-brandon-rumbaugh-in-yavapai-countyhttps://www.9news.com/article/news/local/murder-suspect-dies-after-police-standoff/73-344894944https://darrensrides.blogspot.com/2011/09/crown-king-arizona.htmlhttps://www.newspapers.com/image/125583750/?match=1&terms=%22Rusty%20Rankin%22https://www.12news.com/article/news/crime/true-crime/scottsdale-couple-murdered-camping-trip-2003-unsolved/75-6cc84714-3ffc-49d5-9a06-5ba344db75f0  (image of the last photo taken on the camera)https://www.oxygen.com/crime-news/brandon-rumbaugh-lisa-gurrieri-cold-case-could-camera-hold-cluehttps://www.newspapers.com/image/125496399/match=1&terms=Michael%20Villershttps://the-m-files.medium.com/double-homicide-on-bumble-bee-road-4fa16a21d71https://www.nps.gov/aboutus/mortality-data.htmhttps://www.newspapers.com/image/125503785/match=1&terms=Crime%20Bumble%20Bee%20

Después de la reunión de la Presidenta con empresarios de México y Estados Unidos, la empresaria que primero tomó la palabra fue la CEO de Mexico-Pacific para anunciar la inversión de 15 mil millones de dólares

Avante, HQueiros! Hoje vamos ter uma conversa sobre Saguaro, mais uma Saga Bonelli, da Editora 85 e o Selo Lorobuono Fumetti. Link do último catarse, não deixem de dar uma passada lá: https://www.catarse.me/sg3e4 Link para o site da Editora 85, lembrando que vocês podem agregar algum dos volumes diretamente no pedido do Catarse: https://www.editora85.com.br/ Participe do nosso grupo de Whatsapp onde diariamente interagimos discutindo esses HQs que tanto amamos: https://chat.whatsapp.com/HE46Hdfp0Ua6wkXM1nTwHb Participe do nosso podcast, mande sua mensagem para contato@hqueiros.com.br ou envie um áudio interagindo através do nosso Instagram. SEJA NOSSO PADRINHO NO CATARSE: https://www.catarse.me/hqueiros

What is our relationship to the land, to its other-than-human inhabitants, and to the rest of humanity? These are fundamental questions for thinking through how we can transform ourselves in ways that allow a multiplicity of ecologies and human communities to thrive alongside one another. And these questions are not just fundamental to us as individuals—they are essential to how we view our cultures, traditions, institutions, and ways of knowing.Layel Camargo lives at the vibrant intersection of ecological justice, queer liberation, and indigenous culture—a cultural space that offers a distinctive vantage point on how our societies work, while holding enormous potential to both see and reorient our relationships to the land and to one another.Layel Camargo is an organizer and artist who advocates for the better health of the planet and its people by restoring land, healing communities, and promoting low-waste and low-impact lifestyles. Layel is a transgender and gender non-conforming person who is an indigenous descendant of the Yaqui and Mayo tribes of the Sonoran Desert.I met Layel at a climate storytelling retreat in New York City in 2019, where I became a huge fan of their work and of their way of being in the world.Layel is a founder of the Shelterwood Collective, a Black, Indigenous, and LGBTQ-led community forest and retreat center, healing people and ecosystems through active stewardship and community engagement.Our conversation explores the idea of culture as strategy in confronting the climate crisis, diving into Layel's work in video, podcasting, and poetry and the origins of their approach to this work of healing people and planet.You can listen on Substack, Apple Podcasts, and other podcast platforms.Please rate, review, and share to help us spread the word!Layel CamargoLayel Camargo is a cultural strategist, land steward, filmmaker, artist, and a descendant of the Yaqui tribe and Mayo tribes of the Sonoran Desert. Layel is also transgender and non-binary. They graduated from UC Santa Cruz with dual degrees in Feminist Studies and Legal Studies. Layel was the Impact Producer for “The North Pole Show” Season Two. They currently produce and host ‘Did We Go Too Far' in conjunction with Movement Generation. Alongside Favianna Rodriguez and at the Center for Cultural Power, they created ‘Climate Woke,' a national campaign to center BIPOC voices in climate justice. Wanting to shape a new world, they co-founded ‘Shelterwood Collective'. The collective is a land-based organization that teaches land stewardship, fosters inventive ideation, and encourages healing for long-term survival. Layel was a Transformative Justice practitioner for 6 years and still looks to achieve change to the carceral system in all of their work. Most recently, Layel was named on the Grist 2020 Fixers List, and named in the 2019 Yerba Buena Center of the Arts list of ‘People to Watch Out For.'Quotation Read by Layel Camargo“You wanna fly, you got to give up the s**t that weighs you down.” - Toni Morrison, Song of SolomonRecommended Readings & MediaTranscriptIntroJohn Fiege  What is our relationship to the land, to its other-than-human inhabitants, and to the rest of humanity? These are fundamental questions for thinking through how we can transform ourselves in ways that allow a multiplicity of ecologies and human communities to thrive alongside one another. And these questions are not just fundamental to us as individuals—they are essential to how we view our cultures, traditions, institutions, and ways of knowing.Layel Camargo lives at the vibrant intersection of ecological justice, queer liberation, and indigenous culture—a cultural space that offers a distinctive vantage point on how our societies work while holding enormous potential to both see and reorient our relationships to the land and to one another.And besides that, Layel is hilarious.Layel Camargo My passion for humor has come from has been maintained by a lot of data and information that I've gotten around just the importance of people being able to process things through laughter. And that the climate crisis is nothing to make mockery and or to laugh, there's this is very serious. The ways in which our species is kind of being at threat of extinction, and right before our eyes. But I think that as humans, we're so complex and layered, and we're so beautiful in the sense that we get to feel so intensely, and feeling is what motivates us to take action. And laughter helps you process so much data quicker, it helps you be able to take something in, embrace it, release, and then have it make an impression.John Fiege  I'm John Fiege, and this is Chrysalis.Layel Camargo is an organizer and artist who advocates for the better health of the planet and its people by restoring land, healing communities, and promoting low-waste, low-impact lifestyles. Layel is a transgender and gender non-conforming person who is an indigenous descendant of the Yaqui and Mayo tribes of the Sonoran Desert.I met Layel at a climate storytelling retreat in New York City in 2019, where I became a huge fan of their work and of their way of being in the world.Layel is a founder of the Shelterwood Collective, a Black, Indigenous, and LGBTQ-led community forest and retreat center, healing people and ecosystems through active stewardship and community engagement.Our conversation explores the idea of culture as strategy in confronting the climate crisis, diving into Layel's work in video, podcasting, and poetry and the origins of their approach to this work of healing people and planet.Here is Layel Camargo.ConversationJohn FiegeHow you doing?Layel Camargo I'm doing pretty good. How are you doing?John Fiege I'm doing well. I've got this thing in my throat. I, so I'm going to be drinking a lot of tea. And I might have to have a bathroom break. Know, I have forgotten to take my allergy medicine. And here we are. Great. Yeah. So can you start out by telling me where you grew up? And how you viewed your relationship to the rest of nature when you were a kid?Layel Camargo Yeah. Um, I can start off by Yeah. talking a little bit about where I grew up. Yeah, so I grew up on the Mexican border between Tijuana and San Diego. And my upbringing was in this very highly dense migrant community from Latinx to Philippines, because of the proximity to the military base. It was very military towns, pretty much the professions. They're like you're either work for Homeland Security, the military or police. And I didn't really notice what my upbringing was like till I left. But I grew up crossing the border back and forth. My grandmother migrated from the Sonoran Desert, to Tijuana. And that's basically where my mother was born. And she grew. She went to high school in San Diego, which is why I can say I'm an American citizen, but I'm a descendant of the Maya or the uremic tribes, my grandmother said, and then my grandfather said, The yucky tribes of the Sonoran Desert so I think for me, my connection ecologically was like the ocean Because I grew up in a beach city, and then it was also the desert, because of all the stories and my grandmother's connection to sanada. So high, I never felt like I was at home because as a queer person paid never really fit into the conservative nature of San Diego due to how militarized it is, and all this stuff. But it was through a drive, which I took from Northern California, down to Sonora, where my grandmother's family lives, when I drove through the saguaros and Arizona that I remember seeing the Saguaro forests and just like needing to pull over and just like, take them in. And I had this a visceral feeling that I don't think I've ever had before of just like being home. And I think this, this experience was like in 2016 2017. And that's when I realized that, in theory, I was a climate activist, I cared about the planet. But it wasn't until that moment that I was like, oh, what I'm actually doing is like actually fighting for us to return to be in better relationship with the planet. And this is where I belong, this is my source of my route, these trees and this desert. So because of that, and growing up in proximity to the beach, water conservation has always been an area of like passion for me and caring about the ocean, which pushed me to a practice of lowering my plastic consumption and being more mindful of oil consumption. And the desert has always been a source of like grounding in regards to like place and knowing that I come from the earth. So it's kind of like I was gonna say, it's kind of like, I'm from a lot of places, I moved to Northern California in 2006. So I love the forest. But nothing speaks to my heart, like the beach in the desert.John Fiege Well, they have sand in common. Is there? Is there a tension between the ocean pulling you in the desert pulling you or is it? Is it a beautiful harmony?Layel Camargo It's a bit of a tension. But I would say that in my body, it feels the same. They both dehydrate me and over, over like it's just a lot of heat, typically. So yeah, that it's different for Northern California beaches, because they're a little bit more Rocky and more cold. You have to wear more layers. Right? definitely like to where I grew up, it's it is warm, the sandy ness. That's a great connection, I definitely need to make that a little bit more concrete.TotallyJohn Fiege cool. Well, can you tell me more about the path you took from the neighborhood where you grew up in San Diego, to studying at UC Santa Cruz and what that experience was like for you?Layel Camargo Yeah, I, I went. So I grew up in a home where there was a lot of violence, which is very common in a lot of migrant-specific and indigenous communities. And I kind of came into my teenage years, like really realizing that I was different, but I didn't know how when it kind of got summarized in college around my queerness my sexuality and my gender, but just feeling this need of like needing to leave. It just didn't make sense for me to be there. And with that being said, I had a wonderful community. I still have quite a few friends in San Diego that I keep in touch with my sisters live there. And I was actually just started last weekend. So I, when I was in San Diego, I think a lot of my trauma responses of like, just ignore what doesn't make sense and just keep moving forward was how I kind of functioned. And that race. And I loved it, I succeeded at it. I've actually realized that I'm a performance artist because of that upbringing. Like I, you know, was captain of the water polo team. I was president of my senior class, I was featured in newspapers for my swimming. I was a competitive swimmer for 10 years. I I did, I did a you know, a good job. I had advanced placement classes and honors classes and I was well rounded but in the inside, I just didn't feel like I belonged. So I picked UC Santa Cruz to go to college because it was the farthest University and the University of California system that had accepted me. And they went and I didn't know what I was getting myself into. I visited the campus like two to three weeks before I had to actually be there to live on campus. Bass. And when my dad drove me, drove me up with my whole family drove me up and they left me they were like, are you sure you want to say I'm like, I got this, like, it was all redwoods. So it was definitely like, we went down to the local store. And it was like all these like hippie dreadlock, folks. And I was like, I don't even know what I got myself into. But I'm getting this degree, so we're good. And it was a big culture shock, I think for a lot of black and brown and indigenous youth when they have to leave their communities to attend. What is like better economic opportunities outside of them it is it's, it's more than just having to adjust, it's having to really like, Oh, I had to let go of everything I knew. And in order for me to take the most out of college, and I was fortunate enough that I had a container a university is like a container for young folks that I wasn't having to leave for work or opportunities. And so I fully immersed myself, and it allowed me to be able to identify myself sexually and through my gender, and a gave me solace, when you know, my family rejected me for coming out. And I think that I'm so fortunate that I had that experience. And then I also was able to gain double bachelor's when feminist studies and legal studies which allowed me to have some upward mobility that my family hadn't had, traditionally I was, I am the first person in my whole family to attend a four year university after high school. So I'm definitely very grateful that that path took me there. And at this point, I feel like it was not only good for me, but it was good for my whole family for me to have taken that journey.John Fiege And did you come out to them? In college or before college?Layel Camargo in college? Yeah, I was my second year, I had my first girlfriend. And I was a Resident Advisor, always I'm always trying to be the overachiever. So I was like Resident Advisor of my college, I was like, involved in every club, I was part of the dance team. And, you know, my mom called me, I just decided to actually move in with my girlfriend the following quarter. And she was like, What are you doing? I was like, Oh, my girlfriend's house. And she was like, why do you have to tell me those things. And I'm just like, because I'm not gonna lie to you. And she was like, I know, you're gay, but I just don't need you to rub it in my face. And I was like, then I guess we can't talk. And so we didn't talk for three months. And then she called me It's, it's, it's hard, you know, like, going to college is hard, especially when I went to very marginalized public schools before that. So I was struggling academically. And my solace was, like, being involved on campus, like to meet some social needs. And I was in, I was in a retention program for black and brown youth from urban communities. So that helped a lot. But I, I, my mom kind of rupturing that, really. I didn't realize what the impact was until probably a quarter the quarter into after that. And she called me three months later, and was like, so are you not gonna talk to me? And I was like, you're the one that doesn't talk to me. And she was like, well, let's just let's just try to make this work. And so we, you know, it took probably five to six years for my family to kind of fully integrate my, you know, my, my lifestyle as they, as they call it. The magic word of magic word. Yeah.John Fiege Yeah, wow. Well, you know, that's just what you need, right in the middle of college trying to adapt to, you know, crazy new culture and world is for your family to reject you.Layel Camargo Yeah, yeah. It's definitely one of those things that like a lot of queer LGBTQ folks. I, I feel like it's so normalized to us, right? And it's just like, well, when you come up, just expect to lose everything. And I think it is it now until I'm like, in my 30s, that I realized how painful that is, and how, like, it's just like, you know, one of the core things I think, as a human species is to know that you belong somewhere. And if you don't belong at home, then where do you belong? And I think for many of us, we've had to go through that unconsciously, without really thinking through that we're seeking to belong. And this theme of belonging has been something that's been coming up as I'm I navigate like, my professional career now is that like, I really do want people to feel like they belong somewhere. And the only thing I feel like makes sense as we all belong to the planet. We all belong to the same descendants and how we got here as a species and that I think that's being rejected from my family allowed me to be like weird do I belong? And so I fortunate that I had a best friend who was also queer. I had my queer community I had student governments and students social organizing. And then when I graduated, I was like, wait, like, Where else do I belong? So I went to my natural habitats like to the beach, and I picked up surfing again and scuba diving. And then it was like, Oh, I actually like I belong to the earth. Like, that's where I belong.John Fiege That's beautiful. Yeah. I love that. Oh, I am hearing some background noise.Layel Camargo Is it audio? Or is it just like,John Fiege people laughing?Layel Camargo It's my partner's on an Akai here, I'm going to shoot her a quick text. She like gets really loud because she gets so excited. Just going to share a quick text.John Fiege So before coming to climate justice work, you worked as an organizer with the Bay Area transformative justice collective. Can you tell me how your work in transformative justice informed your understanding of the climate crisis and how you approach ecological concerns?Layel Camargo Yeah, so I I organized with transformative justice for about six years. And then I you know, for folks who don't know, transformative justice is an alternative response model to violence, harm and hurt. And so similar to restorative justice, which works with the carceral system, so police, judicial systems, etc. to reform in order to help alleviate some of the biases that exists in the systems, transformative justice, as there's those systems actually don't serve certain communities like migrants, folks like that are trans, just the way that those systems just inherently violate certain people who are not included in our society fairly, was like, transparent justice exists to serve folks who cannot access or choose not to access or use the carceral system. So if you will, if you believe in defunding the police, and let's say you're sexually assaulted, you're probably not going to call the police for a rape kit, because there's probably ways that you've experienced those systems as harmful or violent. So when I started organizing were transferred to justice the spoke to me as somebody who had just come out as trans, somebody who grew up in a mixed status family, have relatives who have been deported. And I realized, like, Oh, it's actually worth investing in alternative models, besides the police. In order for us to get our needs met when crisises do happen, because they happen to all of us. And I was in it for six years, you know, we had built up, I had built a great capacity to work with people who had caused harm people who are caused domestic violence, sexual assaults and transforming their behavior and working towards reparation of relationships and or just like helping victims be able to move on after something like that happens. And it's it wasn't an easy task. And what we would come back to is we would spend like the first front of the months, trying to make sure that people's basic needs were met in order for them to slow down enough to process what had just happened. And basic needs included food included shelter, if they lived near, you know, a toxic site, what was infringing on their health, making sure that they had access to health coverage or health benefits. And that was about 60% of what we're doing was making sure that we could get the basics kind of stable so that they could jump into really honoring what it was a justice look like for them. And in doing this a handful of times, not too many, I will say I didn't think thankfully, we had a team. And so I did wasn't always having to handle everything. And we, the experiences that I did have, I was like, man, if people just had, like, a healthy environment where having to fight for housing wasn't a thing. Like we could just actually say, this is where I was born, this is where I belong, and I'm in relationship with the land. And that's how I feed myself, I clothe myself, like all these things that are kind of like indigenous traditional ways, then people could actually solve a lot of their crisis. He's in the moment without having it to be delayed years or having to rely on for it to get outsourced through the carceral system in order for them to feel like they get a minuscule amount of justice. And so I started to just be more cognizant of the way that we interact with the planet and how are everything from our legal structures to our economic structures are just completely devastating. Our environment that have led for us not to have good air quality for us not to have good clean water for us not to feel like we've belong to the earth that is right beneath us that we like, are in relationship with, with the rest of you know, most of our lives. And I, at the time I was living in West Oakland and I had just looked into the air quality report in the area I lived in, and I had the worst air quality in the whole Bay Area. And I started noticing my dog started developing like little spots on her skin, I started having like a lot of chronic coughing. And I was looking at how much money I was making. And so at the time, I was doing a lot of our pop ups, I was really passionate about zero waste, I cared about veganism, a lot of it was through the planet, and it just slowly started shifting away from Yes, I care about how we respond to violence and harm and all of that. And I want us to have alternatives that meet the needs of folks who fall through the waistline of certain systems. And at the same time, we don't even have clean water to come home to to drink when something violent happens, like we have to go buy it from, you know, a grocery store. Most of us don't even test our tap water anymore, because it's just consistently, we just grew up thinking that it doesn't, it's dirty, it's gross, it's non potable, so Right, right. I think at that moment, my heart just completely was like, I want to dive into this work 100% I want to fight for people to have clean air, like if you can't breathe, then you can't, you can't even do a lot, a lot of things. And so many black and brown people who grew up in rural communities have high rates of asthma have like low life expectancy because of air pollution, to you know, the logistics industry etc. And I just kind of fell in with all my heart in like, if I'm, if I'm against plastic put which at the time I was, like vegan for the planet and vegan for my health. And I was also really passionate about reducing plastic use. And I was like, if these are two things that I care about, I want to do it at a larger scale. So it meant that I had to really make those connections of if I want to end gender based violence, if I want to end large forms of violence, I have to start with the one common thing we have that we're constantly extracting and violating, which is the earth. And I think that that led me towards climate justice, because that is the most critical environmental crisis that we're in at this moment.John Fiege So what is the climate crisis? What what what causes is how do you how do you think about culture as a source of power and strategy for climate crisis?Layel Camargo Yeah, I mean, I this is this is really, you know, this, that this is what I do for my life is I spent the last 7 to 8 years really strategizing around what are the cultural shifts that are needed in order for us to be able to be in right relationship with the planet where things like the climate crisis are not happening, so that we can have an economic system and a political system that is serves the planet and the needs of our of us living and thriving, not surviving, which is I think, what we're stuck in as a global society now. And the, we have like quite a few things to kind of look at historically. And I think that there is a dominance of, which is we now know, it is like white supremacy, which is the idea that one group of human is like better than another group of human, and that because of that, everybody else needs to conform to the languages, the culture, the food, the clothes, the housing structures, that are pervasive, and that in, you know, the Euro centric way of living, and that has created a monoculture that is now spread at a global scale. And it's even because it's an economic sister in their economic system. Now we have global stock markets. Now we have the extraction at a global scale, for the sourcing of consumer goods that are all homogenous, and there. There's just one kind of how we do things. And I think the crisis that we're in is the ways that human have removed ourselves from our natural biodiversity relationships with our ecological systems. And then as removing ourselves we have are allowed for the rupture of a relationship that is very needed, which is if we're not integrated into the trees that are natural in our environment into trimming certain invasive species and supporting other biodiverse relationships around us, then we're crippling the ability of the soil to be healthy of the air to have the most amount of oxygen Have you Now we know that we need to be trapping carbon at such high rates. And I think that with a crisis that we're in is that we've allowed and have fallen victims to white supremacy, which was facilitated by colonization, that I, you know, that dominance of one group of people in the way of existing, and I think that's where we're at. I mean, if you look at the kelp forests, the kelp forest needs the otters, they need the, the sea urchins. But when you remove the otters and the sea urchins, you know, are not being preyed upon at a normal scale. And that's, you know, we're connecting it to white supremacy, let's assume that the sea urchins are like the dominant and because they're, they're the ones that ruled the kelp species are starting to be eradicated, and some of them are becoming a threat of extinction. And without a healthy kelp forests, you don't have healthy oxygen and maintenance of the acidification in the ocean, which, you know, couple that with global warming, and you basically have the rapid eradication of so many other natural ecosystems in the ocean that we need to survive. And so when you have one species dominating over another, it leads towards a crisis. So I think we're in a imbalance of relationships because of, of white supremacy. And that's what's causing the climate crisis we have. We have a monoculture. And so just as you look at mono cropping, as you look at anything that eradicates the health of the soil, because it doesn't have the reciprocal relationships that it needs from other crops, and are the resting in order for the soil to be healthy. This might not be speaking to everybody who's listening. But it makes sense that like, Yeah, definitely. The environment crisis is a symptom of Yes. Oh, the climate crisis is a symptom of a larger systemic problem.John Fiege Yeah. And in so many ways, white supremacy was created by colonialism, like, white supremacy is the cultural system that in some ways had to emerge to justify the political and economic brutality of colonialism. You know, it was a it was it was a way of organizing and understanding the world that justified these terrible things that were happening. And they're so it goes so much hand in hand.Layel Camargo Yeah, definitely. Yeah, I mean, I feel like I could talk about this for hours, because there's just so many ways in which we can break it down to the minute level. And then there's so many ways that we can think about solutions. And a lot of my my work and my passion is really bringing as much power as I can to black, indigenous and people of color. Because the retention of culture, language, and different ways of engaging with the world, everything from how we grow our food to how we dress and what we celebrate. And where we honor is what's going to help us be more resilient towards the impending and the realism of what the climate crisis means to a lot of our communities.John Fiege Yeah, totally. Yeah. And you're you're living and working at this really interesting intersection between ecological justice, queer liberation and indigenous culture. Can Can you talk a bit about the intersections of your identity and cultural background and their importance to you and how you orient yourself to this work?Layel Camargo Yeah, definitely. So as I mentioned, I'm a descendant of the Yaki and the Mio tribes in the Sonoran Desert. And I didn't really realize how much this matter to me, I think till about like five to six years ago, because I grew up because of the borders. Technically, I'm Mexican descent, and Mexican American salesperson in this country. But the Mexican government is similar to what we're talking about white supremacy was created by European settlers and, and a hybrid of mixture of stealing of indigenous cultures. And there are so many subgroups of different indigenous cultures. And my heritage is that both my grandfather and my grandmother's tribe as they were nomadic, and they used to migrate up and down the Sonoran Desert, before the border was there from seasonally for survival. And there's so many ways that like food that we eat, how we dress, how we talk that I didn't realize like, Oh, that makes me so much more than just Mexican American. It makes me more than just Latinx. And I think my background and being in such close proximity to immigration and the necessity of immigration or to survive because my grandmother came to Tijuana because it was industrialized and she needed work. And so when they migrated, they like left everything behind. And they never went back. Like, I think so many people leave their home, thinking that they're going to go back and they don't, their children are born in different places. And eventually, that led me to be born in a different country. And so because of that background, I am so keen to issues around native sovereignty and land back here in the United States is like the retention of keeping people in the place of their origin is a climate solution. It's a way of keeping that ancestral knowledge in the place that is needed. I mean, here in Northern California, we look at the wildfire crisis, and it's due to climate change. And it's also due to the lack of forest management, that our indigenous relatives that are native to that area have been robbed of the opportunity to maintain those forests at the scale, which is needed in order to adapt and prepare for wildfires. Yeah,John Fiege yeah, with with the prescribed burning, and all that maintenance that used to happen. That was invisible in so many ways to the European colonists, they didn't even understand that that was going on, or how it worked.Layel Camargo Yeah, and I feel like, you know, it goes back to the monoculture. And I think, because I have indigenous ancestry, because I understand the nature of needing to migrate. And the realities of migrant experience, I think I feel so passionate about keeping people in their place of origin as much as possible, and allowing for people to move freely when they have to. And I think as as the climate crisis gets worse, I started to realize just what a disservice we have made by instilling borders by having governments that have been so gatekeeping and operating off of scarcity, that we've kind of mandated a world where people can move freely people, and people have to leave their place of origin. And that these two paradox that we exist in, is creating the dehumanization of a group of people that if you cannot sustain yourself in your place of origin, because of global extraction, by the way, because of environmental degradation and the economic viability of your area, and how that creates wars and mass extraction, that that is why people migrate. But yet those same people who are creating those systems that make it difficult for you to stay in your place of origin have also created borders to not let you move freely. That paradox to me is also part of this climate crisis as because many of us are going to have to leave john, at some point, there's going to be floods, there's going to be hot water, we're experiencing a drought prices in California, I'm actually living between northern California and Southern California already. And a lot of it is because of the wildfires and my family's down here. And my family's at threat of sea level rise by living in San Diego, which San Diego filed a lawsuit against Exxon and Chevron. And I think one or two other oil companies is we're all we're all existing now in this global climate crisis, that it's not quite in our face every day, but we feel it seasonally now, so we're gonna have to be able to move. Right? So yeah, and last to say is like similar to my cultures I have I lived with an end an endocrine illness. And so air pollution is something that could severely impede my ability to reproduce my ability to function. At this point, I spend about four to five days a month in bed, working from bed, and I'm fortunate enough that I get to work remotely. But for a lot of people, we're going to see more and more ways in which the mass destruction of the planet which has led to the climate crisis is how we become to adopt ways of having different abilities or not being able to live our day to day function. So yeah, the intersecting points are just, they're overwhelming. And I think a lot of us are starting to feel that more as things start to kind of get a little worse.John Fiege Right, right. Yeah, I was talking to, to my partner the other day, she was she was talking to a fellow activist about this idea of ableism. And how, you know, so much of the discourse around it is you know, what are your abilities and, and this, this person was talking about how it it's how unstable that is. Like you can be able bodied today and tomorrow, you can be not able bodied in the same way. Because of, you know, like you say the changing air quality or something happens, or you just you're getting old, or you get sick. And it's one of those things that we've so ignored as a culture of what, what ableism really means about our assumptions about the world.Layel Camargo And like the economic viability and how our economic system is just so dependent on us being fully productive 24 seven, which I made a video on this called The Big Sea, which talks about the intersecting points of labor and how the labor crisis is actually the root of our climate crisis. Because if we can have people have a bigger imagination around how they can use their bodies, to serve their own needs, instead of serving the needs of corporate interests, how that would actually alleviate a lot of pressure on the planet. And that that would potentially lead to our most successful outcomes in regards to the climate crisis.John Fiege Yeah, totally, totally. Well, can you tell me about decolonizing conservation in the environmental movement and what that looks like to you?Layel Camargo Yeah, so I, I started during the beginning of the pandemic, I started a nonprofit called shelterwood collective, which is black and brown and indigenous queer folks who are aiming to steward land at the time, I was aiming to sort of land a month ago, we acquired a 900 acre camp in cassada, California, and Northern California and our team is about conservation efforts, specifically with forest resiliency against wildfires. Taking Western Western practices of conservation, mixing them with indigenous practices that are similarly to conservation. And I feel like when we think about conservation efforts, a lot of them have been dictated by European ways of thinking through conserving natural environments, which a lot of it is like humans are bad, nature must be left uncared for. And this does such a disservice because our indigenous ancestors knew that in order for a forest to be thriving, we needed to be in relationship with it, we needed to monitor monitor it, if there was a fun guy or a virus that was spreading their disease, that we could actually help it, he'll help trees, he'll help it spread less, if there was fires that were coming that we could trim, and tend and do controlled burns, if there was, you know, sucks anything happening where a species was struggling, that we could help support its growth and its population by you know, hunting its predators. And so I think that, that is the challenge between indigenous conservation efforts are traditional ways of just being in relationship with the natural environment and conservation is the western conservation is that we have been so removed from what it means to protect water systems, what it means to protect forests, that now we have a crisis of mismanagement we have and that more and more countries are adopting European Western perspectives because of the dominance that white supremacy has instilled that there are certain group of people that know more than we do. And that's just that's created, at least for me feels very heavy on when it comes to wildfires. There is certain areas in Northern California where there have been residential communities that have been built on wildfire lines that we know now, indigenous people knew that like every 30 years, for every 50 years, there would be a wildfire that would run through that area. And now that we're not that it's getting hotter, the gap of that time is getting shortened. And also that we're realizing that the years, hundreds of years of mismanagement, and lack of tending has led to also these extreme wildfires, that's now causing casualties outside of wildlife. And I feel like conservation needs to evolve. I think that there needs to be more understanding around the harm that Western conservation has done to not only the ecosystems but to the people who have traditionally been keeping those ecosystems. And I do feel like it's like it's evolving. I just think that it's not evolving as fast as we need. And unfortunately, with the climate climate crisis, we're gonna have to really come to recognize what do we need to move really fast on on what can wait because it just feels like Everything's urgent, we need to save the oceans as much as we need to save the forest as much as we need to Save the Redwoods as much as we need to take the rain forests and it just feels like and and that is like the natural environment, then we have like the growing list of extinction, threats of extinction for certain animals. And I think that I don't know why just came to my head. And then you have people like Bill Gates who want to eradicate a whole mosquito species. So it just feels like we're gonna have to pick and choose our battles here. And I do feel like coming to reckoning around the harm that this pervasiveness in western conservation, which isn't the idea that sometimes we are harmful to, you know, our natural ecosystems isn't a bad one. Yeah, we are. But how we got here was by completely removing ourselves and not knowing how to take care of those ecosystems, had we been in a relationship with them for the last 100 years, maybe we wouldn't be so wasteful, maybe we would have caught air pollution sooner than then our body is telling us, hey, we don't like this, this is bad, we're gonna die sooner if you keep doing this. And I think that that is a disservice. So it's beautiful to see more forest schools popping up for young people. It's beautiful to see more conservation groups trying to bring in indigenous leaders into the conversations. But I do feel like that overall idea needs to shift. And I also think that the land back movement, which is returning national parks back to indigenous hands, is going to help alleviate some of those major tensions that do not honor that certain people have been doing this for hundreds of years. And if we don't return it in this generation, we just run the risk of losing more language, more culture and more practices that we need at a larger scale.John Fiege Yeah, in protecting ecosystems is just not a complete picture of everything that's needed. Like as you say, it's important on some level, but it's it's not it's not a whole, it's not a whole understanding of of the problem or how to address it. There reminds me I was I was just reading or rereading a bit of Robin wall kimmerer book braiding sweetgrass, and she talks, she talks about this very issue a bunch about, you know, sweet grass in particulars is something where there's this, this back and forth relationship between humans and nature. And she talks about teaching one of her University classes up here in New York, and asking them at the beginning of the semester, you know, whether people are bad for the environment, and almost everybody says yes. And we alsoLayel Camargo have this this perception of we are bad. Right?John Fiege Yeah. Yeah, this Western guilt is pervasive in that as well. Which is,Layel Camargo which is facilitated by religion? Yes, religion has a very good job of making us feel like we are horrible for everything that we have sent us that we need to repent for our whole existence as like, going from embryo to sperm is actually a sin itself. So we're born with so much already on our shoulders.John Fiege I was gonna say Catholic guilt, but I feel like at this point, it's so much broader than that. Yeah, it is. So you work with the Center for cultural power. And, and one of the main projects you've done with them is climate woke. And I'd like to start by saying how much i'd love the artwork of the logo. It says climate woke. And it's in, in the style of this fabulous flashback 1980s airbrushed t shirts, with, you know, rainbow colors and sparkles. And it feels like there's so much meaning embedded in the artwork. And I wondered if you could tell me about climate woke, how the project emerge, but also like how this logo artwork reflects what this project is.Layel Camargo Yeah, so we when we started thinking about what climate woke would be, we didn't know what's going to be called climate woke it was through several meetings with different community partners, different funders and other stakeholders, where we kind of discussed that we wanted a unifying symbol for all the communities that we had been meeting and we kind of landed that we wanted something to look good to represent black Dan Brown young people between the ages of 16 to 25, something that was appealing that somebody would wear with pride. And, you know, at the time, there was a lot of like, different stuff coming up around the importance of wokeness. The it wasn't used as how we use it now, which is like political correctness. It's, it's, it's not where it is now. And so we decided to kind of ride on the, the term itself climate woke, which talks about uses black vernacular very intentionally that this is a racialized issue. And we spoke with several leaders in the black community, and at the time, it felt like it made sense. And, and so we kind of quickly were like, this makes sense kind of work. We want people to wake up to a climate crisis, but also be like down and enjoy it. And that it's different than this doom and gloom narrative that we constantly see when it comes to the environment. As it is kind of depressing when you think about it. But so we wanted it to feel like inviting. And at the time, which I think was like 2017 2018. All these like 90s was like coming back. So we sat with like two or three potential designers, and we didn't really like what we saw. And then it was heavy and agile that he Guess who is kind of a co creator of this. Also, like a globally recognized artist who was like, hold on, I got this and just like hopped on her computer through some colors, did some and we were like, We love it. Like we just love it. We wanted it to be bright. We wanted it to be inviting. And I feel like we've been successful just two weeks ago actually got a text from my executive producer who works on the planet. Well, content, it was like to send a photo of like, I believe it was a young male of color about 21 or 22 years old wearing a climate woke t shirt. And she was like, do you know where that's from? And he was like, No, I have no idea. And I was like, that's how, you know, we succeeded. Because we popularize something, we made it look so good. People don't necessarily need to make the connections, but they'll be promoting our work. And I'm sure and I get so many compliments when I wear t shirts and sweaters. And so she she told him to look up the videos. And you know, she sent me the photo. And she's like, we've I think we've succeeded. And I was like, I think we succeeded, I think we have you know. But at this moment, we are considering evolving the terminology because it doesn't feel as honoring. And we definitely are very sensitive to the fact that we use black vernacular intentionally. And it's time to kind of give it back and think through like what other ways can we popularize other terms to kind of help. It's about it's about to help kind of build the community because it was about building a group of people kind of drawing in a certain community that wouldn't necessarily be about it. And I feel like that to me was like a, we did it. We did it.John Fiege Yeah, it's it's it's definitely one of those terms that the the right has co opted and really done a number on they. Yeah, they're they're good at stealing those terms and turning them on their head. And usually, honestly, as a as a weapon back the other direction. Can you turn down your volume just to hear again, just noticing when you get excited? I get excited so much. Alright, how's that? Right? Great. Yes. So in a couple of your videos, you talk about what being climate milk means to you. And you say it means one, standing up for communities of color and communities most impacted by climate change, to complicating the conversations on climate in the environment. And three, doing something about it. Can you take me through each of these and break them down a bit?Layel Camargo Yeah, so the first one is, can you repeat it again, that's the firstJohn Fiege standing up for communities of color and communities most impacted by climate change,Layel Camargo right? That's right. Yeah, I've said it so much. And we actually haven't even recorded anything because of the pandemic. So I'm like, I haven't said it in a while. Yeah, standing up for communities of color. I think that that one to me specifically spoke to that. We need black, brown and indigenous people to feel protected and seen when it comes to the climate and environmental crisis. And that's everything from activating people in positions of power to empowering the people who come from those communities to know that this is an intersectional issue. I think that the climate crisis traditionally was like a lot of visuals of melting ice caps, a lot of visuals of the polar bears and you It's interesting because as we're getting more people narrative, I feel like the, we need to get a little bit more people narrative. And we need to return those images a little bit back, because the IPCC report has just been highlighting the rapid rates in which we were losing ice. And I think that when I initially thought of this at the time, there wasn't highlights of how indigenous people were protecting the large scale biodiversity that we have on the planet. There wasn't stories of, you know, urban, black or brown youth trying to make a difference around solutions towards climate change. And so I kind of made it my purpose that climate woke represent those demographics that we that I was important for me that black, brown and indigenous people of color were at the center of the solutions. And the complicated conversations and do something about it was that I actually feel like we have a crisis of binary versus complexity in our society. And I think that how we've gotten into this climate crisis is because everything's been painted. So black and white for us, that if you want a job, you have to be harming the planet, if you want to be unemployed, then. And then like all these hippies that are fighting to save the trees, they're taking away your job, you know. So I feel like there's so many ways in which our trauma responses just look for the patterns have been used against us. And it just felt really important for me, that people feel comfortable to complicate as much as possible, where we're gonna need different angles and different ways of looking at solutions that we need to embrace experimentation, where we need to embrace failures, and we need to really let go of these ideas that technology is going to come in and save us technology is a big reason why we got into this mess. And so I think that complicating the conversation to me was about this is like, if you are black, brown, indigenous, and you want to be a part of the climate crisis, but you have no way of integrating yourself besides talking about gender oppression, go for it, look at look at the leaders in this movement, and look at how many women are fighting and protecting, you know, at a larger global scale that don't get the visibility that they deserve. So I feel like that was my aim is to really invite that complexity. And then let's do something about it is that I don't want things to get stuck on the dialog. One of the biggest failures of the United Nations when addressing these crisises is that they don't have global jurisdiction. So they cannot actually mandate and or enforce a lot of these, it's usually done through economic influence, or like if one if we can get a first world to sign on to a certain agreement, then hopefully, they'll all do it. But then who ends up in implementing it, usually it's not the United States and Europe is not the first one to do it. And yet, we are the biggest global polluters on almost every sector you can think of. And I think that the do something about it is, for me a call to action, that we can talk about this, we can try to understand carbon emissions, methane emissions, global greenhouse, carbon markets, carbon, sequestering drawdown methods, we can talk about it. But if we're not doing it, putting it to practice while integrating these other two points, which is centering communities of color, and embracing the complexity of that, then it's nothing, it's pointless. We're just we're just allowing corporations to keep exploiting the planet and governments can keep, you know, sitting back and saying that they're doing something because they're convening people without actually regulating and putting down their foot for us. So, yeah, I think it was trying to summarize just my general feelings of this movement and the ways that there's been just lack of opportunities by not centering certain other people or allowing there to be more complexity.John Fiege Yeah, there's, I find, watching how those un meetings go down. So frustrating. Yes, just, you know, Time after time. It's just maddening. I'd have a hard time working in that space.Layel Camargo Yeah, I think I was fortunate enough to take I voluntarily took like a law class at pace, Pace University, pace law University, and one of the classes was United Nations policy, and so I got to witness the sub All meetings before that big meeting where Leonardo DiCaprio came out and said that we had a climate crisis, which everybody googled what the climate crisis was, I think it was called climate change. It was like the most time climate change was googled in the history of mankind. And I was sitting in those meetings and just seeing how it really is just a lot of countries just try not to step on each other's toes, because relationships translate into the economic sector, that I'm like, wow, y'all, like legit, don't care about the people you're representing?John Fiege Yeah. Yep. Yeah, it's crazy. Well, I wanted to talk a bit about what environmental justice means to you. And I thought we could start with your video called a power to rely on. And in your crudest, you include a statistic in the video that says in the US 75% of all houses without electricity, are on Navajo land. And, and then one of the people you interview in the video with Leah, John's with a group called native renewables, says, whoever controls your water and your power controls your destiny. And that's really powerful statement. Can Can you talk a bit about your experience working on this video, and how it impacted your thinking about environmental justice?Layel Camargo Yeah, so I, I realized that I'm really passionate about renewable energy and alternatives to energy capturing, probably through working on this video. And when we were first thinking about what themes we were going to cover, that's usually how I approached most of the climate world videos as I tried to talk to a few community partners. But mostly, I just do a lot of like, cultural observation, just like what are some of the themes that feel that are kind of resonating for people outside of the sector. So what's resonating for folks outside of the environmental justice world, and, you know, land back native sovereignty is something that's been popularized, especially after the Standing Rock camp, the no dapple camp, and I was noticing that it was kind of dwindling down. But a lot of data was coming up around the fact that a lot of indigenous communities are either sitting around and or holding and protecting 80% of the global biodiversity. And so something that how I approached this video was I wanted to show the native sovereignty piece with the land back as well as my passion for alternatives to our current energy use. And what Haley Johns is somebody who was recommended to me by Jade bug guy who's also featured in the videos, a dear close, like cultural strategist, filmmaker, co conspire in the sector. And she would I had initially approached her and said, I want ndn collective, which is what she works to kind of help us think through the script. And she said, Yeah, we're down and like, we trust you, like, we know you're gonna get the story, right, but we're down. And so it was, it was very easy for us to start with that. And then when I was like, Who do I talk to? They're like, you need to talk to a hayleigh. And I was like, Alright, let's talk to a healer. And so I flew out to Arizona, just to have a scout meeting with her, which I felt like I was chasing her down, because we didn't know she was going to be in Flagstaff, or if she was going to be near Phoenix, like we didn't know. So we were flying in. And we were like, Where are you today? She's like, I'm at my mom's house. I'm with my mom at this hotel. And we're like, Alright, we're coming through. So it felt very, like family off the bat, which now she has been nominated for I forget the position, but it's the internal affairs of Indian energy, energy efforts and some sort. So she's she's doing it at a federal level now. And when I was when I was working on this video, and I had talked to her and I interviewed her as she was giving me a lot of these numbers, and I just realized that, you know, the irony of this country is just beyond what we could imagine. You have a lot of these coal mines that help fuel some of the larger energy consuming cities and in the United States, like Vegas, like la that just consume energy at such high rates that are being powered by coal mines in Navajo or near Navajo Denae reservations. And yet, I was hearing about what halos program and her efforts were just trying to get funding and or subsidies from the government in order to put solar panels on folks his house because the infrastructure doesn't exist. And she was running she's letting me know about that. cost, she's like at $75,000 per house. And then we in order to like run the lines, and that's not even including the solar panel infrastructure. And then if they can't, we can't run the lines, and we're talking about batteries. And she was breaking this all down, I'm like, that is a lot of money. We need to get you that money. And then she started just educating us more through that. So I think I went into this video just knowing that I was going to try to make those connections. But what I realized was that I was actually going in to learn myself, just how much I need to humble myself with the realities that communities who have had less to nothing in certain things, everything from food, to energy to water, have made alternatives that they are, they've already created the solutions like we found one of the elders who had put up one of the first solar panels and Hopi reservation, which I highlighted in my video, she got it 30 years ago, like I, I was flabbergasted that she had the foresight, and the way that she articulated was everything from comfort to entertainment. But at the end of the was she knew she needed power. And she runs a business, the local business won a very few on the reservation that she was passionate enough to keep alive. And so this video just showed me that like, wherever you go, where there has been disenfranchisement, that's where you will find solutions. Because a lot of people have just making do for a long time, it just hasn't been seen, it hasn't been highlighted. Those are the people that like the UN should be talking to the you know, our federal government should be listening to.John Fiege Yeah, and I actually wanted to talk to you about Janice de who's the Hopi elder that you mentioned. And, you know, in particular, how it relates to how depth and skillful you are communicating with people from a wide range of backgrounds. in you, you you use humor a lot. And in this power to rely on video, you're sitting down with Janice day. And talking about how she's one of the first people to get solar power 30 years ago. And you asked her whether the first thing she charged with solar power would be a vibrator. And that was that was that was really funny. And all of a sudden, I'm watching with anticipation, asking myself, how is this woman going to react to that question? And you seem to have such a good read on the people you're speaking with. And I was hoping you could talk a bit more about how you communicate so many, so well and so many in so many different spaces and how you consciously or unconsciously lubricate the relationships with humor.Layel Camargo Yeah, I've been I I think a lot of it is my passion for humor has come from has been maintained by a lot of data and information that I've gotten around just the importance of people being able to process things through laughter. And that the climate crisis is nothing to make mockery and or to laugh, there's this is very serious. The ways in which our species is kind of being at threat of extinction, and right before our eyes. But I think that as humans, we're so complex and layered, and we're so beautiful in the sense that we get to feel so intensely and feeling is what motivates us to take action. And laughter helps you process so much data quicker, it helps you be able to take something in, embrace it, release, and then have it make an impression that is the one line that everybody brings up with that video. So I made the impression. And I hope that people watched it and then wanted to show it to other people. And so I think that, that that knowledge has retained my passion for humor. And then like I said, You know, I grew up in an abusive home where we had to process things fairly quickly in order to be able to function in the world to go to school to go to work. And growing up in a home where there was a lot of violence. I learned how to read people very keenly everything from anticipating when something was going to happen tonight, and I speak about that pretty like nonchalantly because I think a lot of us have a lot of strategies and skills that we've developed because of our traumas and our negative experiences that we've had in the world. And I think they don't often get seen as that we'll just say like, Well, I was just really I'm just really good at reading people and we'll leave it at that and it's like, but what is your learn that from like, there have been many chronic situations where you had to be really good at reading people in order for you to like practice it so clearly in it skillfully. And so I think I honor my experience in that in order for me to do that. And then I think cultural relativity and cultural content petencies is another thing like, Janice de actually reminds me a lot of my grandmother and my grandmother was somebody who was very religious. And at the same time, I always loved pushing her buttons. I would just like try to say things to get her activated. And I knew at the end of the day, she loved me. And that was about it. I didn't have to question whether she loved me because she was upset that I asked her something and appropriately. So I think it's a combination of that. And I'm grateful that I can embody that and be able to offer it to people who are curious about climate change and and feel more invited through laughter than they would about doom and gloom or heavy statistic videos and our ways of gathering information.John Fiege Awesome. Well, another kind of video you made is called consumerism, cancelled prime. And the first shot is you waiting while the camera crew sets up the shot and you're putting items in your Amazon cart on your phone. And then the quote unquote real video begins. And and you say 80% of California's cargo goes through the Inland Empire. And then you yell along expletive that's beeped out. And you ask emphatically his climate, wrote, his climate woke about to ruin amazon prime for me. And and I love how rather than just saying Amazon, or Amazon customers are bad. You're starting by implicating yourself in this system that leads to serious environmental justice issues. And again, it's really funny. Can you talk more about the situation with Amazon and other real retailers? And and how you went about positioning yourself in this story, and using humor again, and self criticism to connect to the audience?Layel Camargo Yeah, I mean, when we first started working on this video, we explore different avenues of that opening scene, when we wanted to highlight community members, I kind of at this point, have a pretty good like tempo of what it is that I want. I want a community member I want somebody who's like academic or scientifically based, and then somebody else who kind of comes in allows her to be more of a creative flow. So we have a pretty good structure at this point of the voices that we seek, we just didn't know how we wanted to hook the audience. And we went back and forth quite a bit on this, the thing that kept coming up was amazon prime memberships are very common. Most people have them most people buy on e commerce and this is pre COVID. And I was keenly aware of that I also knew that Amazon was growing as a franchise to now own Whole Foods that were just like expanding in regards to what it is that they offer people online. And as I mentioned, I, through my passion for reduction of plastic usage and plastic consumption, and plastic waste, I understand the ways that ecommerce has really hurt the planet. So I myself am not an Amazon Prime member, I I don't actually buy online and I allow myself when needed one Amazon thing a purchase a year. And it's like kind of more of a values align thing. So in order for me to reach connecting with somebody who's kind of a little bit more normal in regards to needing to rely on buying online, is I just had to exaggerate what I think happens when you're shopping, which is you look at a lot of stuff, you add them to cart, you get really excited, and then you kind of mindlessly click Buy without knowing what's going to happen. But you're excited when it arrives, surprisingly, because maybe you bought it in the middle of the night while drinking some wine and watching some Hulu. So that's like what I was trying to embody. And then what I was really trying to highlight in this video was I wanted to invite audiences to not feel shame about what they do, like we are we've all been indoctrinated by the system through what our education has taught us. Like we have values of individualism and patriotism and all these things, because that's what we were taught in schools. And that's been used and co opted by corporations in order for us to continue exploiting other humans and the planet. And that's by no fault of our own. That's a design that's an economic model that was designed since the Great Depression. It's just the way that it's been exaggerated and has scaled so quickly is beyond our control where our governments don't even regulate it anymore at the ways in which they should be. And I think that I wanted this to feel like it's not just on you as an individual, but it's specifically if you live in Europe or in the United States. You need to know that we are The biggest consumers on the planet, we have the most economic resources. We actually, if even a fraction of the United States decided to stop shopping at Amazon, we could significantly bring that Empire down. I say Empire pretty intentionally. And we could I mean, I feel like you. And that's and how I understand economics is that all you need to do is impact 10 to 20%. of supply and demand chain in order for a whole corporation to collapse. The problem is, is that our governments always come in to aid these large corporations that are hurting us on the planet by saying that they want to maintain jobs and maintain a GDP are going stock market, which they're reliant on. So this video was meant for audiences. And for people to feel like this is not just on you. But if you live

UAM Azcapotzalco se une al paro de actividades del capus Xochimilco  Movilizaciones por balacera en Plaza Galerías Toluca  Impone EU, sanciones financieras a integrantes y empresas vinculadas al Cártel Jalisco Nueva Generación  Más detalles en nuestro Podcast

Revisit stories from the Saguaro Land series, exploring life in the Sonoran Desert. Hear from a longtime photographer, find out how an artist makes dye from non-native plants and explore the desert in bloom. That and more on The Show.

EU pide a México investigar a mi era de Zacatecas por incumplimiento de libertad sindicalResguardan a tlacuache enfermo en Tlalpan  Ante ataques rusos Ucrania paraliza reactores nuclearesMás información en nuestro Podcast

This week's episode is sharing 13 amazing national parks that you can see and enjoy with just ONE day! In honor of National Park Week April 20-28, 2024 we wanted to share some of our favorites and encourage you to take a day to visit. White Sands  Dry Tortugas Gateway Arch Cuyahoga Carlsbad Caverns - Don't forget your headlamp for splunking! Everglades - We LOVED this airboat tour! Saguaro  Mammoth Cave Petrified Forest  Indiana Dunes Joshua Tree  Biscayne Congaree Get your Liquid IV hydration packets 20% using promo code TRAVELSQUADPODCAST - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Trips You Can Join: New River Gorge Rafting Weekend June 7-10, 2024 Shop: Trip Itineraries, Amazon Storefront and TSP Merch Connect: YouTube, TikTok, and Instagram and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising. --- Support this podcast: https://podcasters.spotify.com/pod/show/travel-squad-podcast/support

Today - We look into the Saguaro Man festival, a local adaptation of the renowned Burning Man, which has stirred concerns among residents.  Support the show: https://www.myheraldreview.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

Democratic lawmakers in Arizona say contraception needs to be protected. How the Dobbs decision has reshaped even local politics around birth control. Plus, the Saguaro Land series wraps up with a look at Arizona's other deserts. That and more on The Show.

Today, we're in Palm Springs, California, at the Saguaro Hotel to learn from its GM, Celeste Brackley. I heard about this property from speaking with their creative director, Stefan Merriweather, and this property really stands out to me as a guest. There is something fun, playful, and unfussy that feels really refreshing in a world of concepts that often take themselves too seriously. In this episode, you'll hear Celeste talk about Palm Springs, their unique approach to hospitality, and how she leads her teams here.If you care about hospitality, check out the Masters of Moments podcast where Jake Wurzak interviews top leaders in hospitality. His conversations with Bashar Wali and Matt Marquis are a great place to start, but also check out his solo episodes such as how he underwrites investment deals and a deep dive into GP fees you know about.Music by Clay Bassford of Bespoke Sound: Music Identity Design for Hospitality Brands

In this month's national park news, new-to-science fossils have been uncovered at Mammoth Cave and John Day Fossil Beds, a rabies scare is taking hold at Saguaro National Park, a man gets convicted for diverting the Platte River at Sleeping Bear Dunes, and more. Hosted by Jason Epperson Visit LLBean.com to find great gear for exploring the national parks.  Use promo code PARKS20OFF to get $20 off your next purchase of $200 or more at solostove.com.

While the cactus makes a beautiful natural ornament in the Valley, the wild plant also provides nutritional benefits from its fruits and spiny pads.  Some of the cactuses, including the prickly pear and the Saguaro, bear fruit that can be eaten in a variety of ways.  Cactus is slowly seeping its way into food culture in Arizona, hidden in dishes across local restaurants and sold in grocery stores. Arizonans can also look one step closer for edible cactus: in their backyards. While removing a Saguaro cactus entirely requires a separate procedure, it is legal to pick the fruit off of the cactus on private property with permission.  This week's episode of Valley 101, a podcast by The Arizona Republic and azcentral.com, goes on an adventure with a local forager and discusses how to collect cactus, how to eat it and other tips to help Valley residents start their wild journey into the edible desert.  Learn more about your ad choices. Visit megaphone.fm/adchoices

My guest on the show today is Jim Falbe, Managing Principal, Portfolio Manager at Saguaro Capital Management. After spending almost 8 years at Vulcan Value Partners, in 2021 Jim left to start Saguaro. The most unique thing about the Saguaro strategy is that it employs an internally-built AI system that helps with screening for stocks as well as with investment decision making. In this in-depth interview, we covered: How Jim's experiences at Vulcan have shaped his approach to starting Saguaro; What the term AI actually means to Jim and Saguaro; How the team members use AI now and how they hope to use it in the future; Why a SMID-cap strategy was compelling enough to launch with; and Why he prefers to invest with companies growing inside of their moats. For more information about Saguaro Capital Manage, please visit: https://www.saguarocm.com/ Listen to all Compounders Podcast episodes on either Apple or Spotify iTunes: https://apple.co/3xlUvPY Spotify: https://spoti.fi/3jxkxLl All opinions expressed by your hosts and the podcast guests are solely their own opinions and do not reflect the opinion of SNN or its affiliates. This podcast is for informational purposes only, it is not investment advice, and should not be relied upon for any investment decisions. We are not recommending the purchase or sale of any securities. The hosts and guests may be beneficial owners of the securities discussed. You should not assume that the securities discussed are or will be profitable.  

Head to the desert with Randy, Caly, and travel writer Gwendolyn Call as they discuss the top things to do in the home of the Saguaro cactus, year-round sunshine, and breathtaking landscapes: Tucson, Arizona.Download the top ten things to do in Tucson AZ for FREE at  https://rvdestinationsmagazine.com/top10.Subscribe to RV Destinations Magazine at www.RVDestinationsmagazine.com .Learn more about Gwendolyn Call at www.chaoskiddosandharmony.com.

In today's episode, we talk about bikepacking southern Arizona. We started off in Tucson, headed out to Tombstone, and cruised around the Tucson Mountian Park area. It's a beautiful area filled with amazing Saguaro cactus and desert landscape.

Thank you for listening. Please be sure to subscribe to our Newsletter which summarizes each episode and provides tangible takeaways. https://contactspodcast.beehiiv.com/ Welcome to this edition of the Contacts Coaching Podcast, dedicated to sharing insights and advice from experienced coaches. In this episode, we will dive into conversation with Lucas Ramirez, head basketball coach at Saguaro High School. This episode is brought to you by ⁠⁠⁠⁠LMNT⁠⁠⁠⁠! Spelled LMNT. What is LMNT? It's a ⁠⁠⁠⁠delicious, sugar-free electrolyte drink-mix⁠⁠⁠⁠. I tried this recently after hearing about it on another podcast, and since then, I've stocked up on boxes and boxes of this and usually use it 1–2 times per day. ⁠⁠⁠⁠LMNT⁠⁠⁠⁠ is a great alternative to other commercial recovery and performance drinks. As a coach or an athlete, you will not find a better product that focuses on the essential electrolyte your body needs during competition. LMNT has become a staple in my own training and something we are excited to offer to our coaches and student-athletes as well. LMNT is used by Military Special Forces teams, Team USA weightlifting, At least 5 NFL teams, and more than half the NBA. You can try it risk-free. If you don't like it, LMNT will give you your money back no questions asked. They have extremely low return rates. ⁠⁠⁠⁠LMNT⁠⁠⁠⁠ came up with a very special offer for you as a listener to this podcast. For a limited time, you can claim ⁠⁠⁠⁠a free LMNT Sample Pack⁠⁠⁠⁠—you only cover the cost of shipping. For US customers, this means you can receive an 8-count sample pack for only $5. Simply go to⁠⁠⁠⁠ DrinkLMNT.com/contacts ⁠⁠⁠⁠to claim your free 8-count sample pack. Taking a bunch of pills and capsules is hard on the stomach and hard to keep up with. To help each of us be at our best, we at ⁠⁠⁠⁠Athletic Greens⁠⁠⁠⁠ developed a better approach to providing your body with everything it needs for optimal performance. 75 vitamins, minerals, whole-food sourced superfoods, probiotics, and adaptogens in one convenient daily serving to bring you the nutrition you need. Go to ⁠⁠⁠⁠https://athleticgreens.com/contacts/ ⁠⁠⁠⁠for more.  --- Support this podcast: https://podcasters.spotify.com/pod/show/justin-clymo30/support

As the temperatures drop up north, it's time to start thinking about warm-weather escapes. In today's episode, we have the perfect destination for you: Saguaro National Park and a whole bunch of other incredible public lands in Southern Arizona.   Join us as we take you on a journey through both districts of Saguaro NP, Catalina State Park, Sabino Canyon Recreation Area, and the Arizona-Sonoran Desert Museum, all within a stone's throw from the always-bustling college town of Tucson.   We even take you on a few side trips an hour or two away from Tucson: Chiricahua NM, to the east; Casa Grande Ruins NM, north of town; and Organ Pipe Cactus NM, in the secluded desert to the west. And if you are missing the cold, snowy conditions back home, you can always take a day trip to the top of Mount Lemmon, where you can ski, do a little shopping, and be back down to the warmth of Tucson just an hour or so drive away.   A link to one of the places we discussed in this episode: ·     Arizona-Sonoran Desert Museum   The best way to support our podcast is to become a member of our Patreon account. Follow this link to check it out.   And don't forget to check out our new online merch store and www.dirtlander.com.   Subscribe to The Dear Bob and Sue Podcast on Apple Podcasts, Spotify, or wherever you like to listen, and if you've enjoyed our show, please leave us a review or rating on Apple Podcasts. Five-star ratings help other listeners find our show.   Follow us on Instagram at @mattandkarensmith, on Twitter at @mattandkaren, on Facebook at dearbobands, or check out our blog at www.mattandkaren.com.   To advertise on The Dear Bob and Sue Podcast, email us at mattandkarensmith@gmail.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

This cactus is a source of food and construction material for people and animals alike, especially during the dry season in the Sonaran Desert. Learn more about it in this episode of BrainStuff, based on this article: https://science.howstuffworks.com/life/botany/saguaro-cactus.htmSee omnystudio.com/listener for privacy information.

Special Conditions Podcast  Recording Date - 8/2/23 Publish Date - 8/7/23   ADD DESCRIPTION HERE This week's episode Adam and Justin discuss the 2024 championship series point structure of the season. What does that mean? How many points do you think you can get? What are the point structures for locals? We discuss that and more!   There's a new FLOW label in town and his name is Saguaro! Justin guesses correctly to the decimal point what the grade will be. We contemplate the possibility of Delibird special labels and Adam freezes over.    Pokemon.com put out their own power rankings from prominent players in the sport. These include Stéphane Ivanoff, Ellis Longhurst, Tord Reklev, Christopher Schemanske, and Robin Schulz. The article has some great information hidden in between the lines!    We already had the Regionals list preview BUT now there's more! Adam and Justin discuss the possibility of meeting up at the San Antonio, TX regional in December.    https://bit.ly/SC148WorldsPowerRankings  https://bit.ly/SC148ObsidianFlames  https://bit.ly/SC148ChampionshipSeries  https://bit.ly/SC148Regionals    Use code FULLHEAL at https://tgacards.com/ for 10% off your order!   Support the show by shopping at TCGPlayer.com using this link - https://bit.ly/TCGPlayerAffiliate  SpecialConditions@PokemonProfessor.com  Voicemail, Text, and Picture Line - 732-835-8639   https://linktr.ee/PokemonProfessorNetwork    Music provided by GameChops and licensed through Creative Commons   ▾ FOLLOW GAMECHOPS ▾ http://instagram.com/GameChops http://twitter.com/GameChops http://soundcloud.com/GameChops http://facebook.com/GameChops http://youtube.com/GameChops http://www.gamechops.com   Intro Music Trapped In A Pokéball Dj CUTMAN and Belthesar GameChops - Ultraball http://gamechops.com/ultraball/  http://soundcloud.com/DjCUTMAN http://soundcloud.com/belthesar   Break Music He Walk - Furret / Accumula Town Remix  Dj Cutman http://soundcloud.com/djcutman  http://twitter.com/videogamedj  http://youtube.com/djcutman   Outro Music Kanto Trainer Battle Mykah GameChops - Ultraball http://gamechops.com/ultraball/  https://soundcloud.com/mykah   Hosts Adam Tuttle Justin Keller   Producer Ken Pescatore   Executive Producer Tish Smith   Pokémon And All Respective Names are Trademark and © of Nintendo 1996-2021 Pokémon Professor and Special Conditions are not affiliated with Niantic Inc., The Pokémon Company, Game Freak or Nintendo   #pokemon #pokemontcg #podcast  

Today's Sponsored Insight features Jim Falbe. Jim is the founder of Saguaro Capital Management, a newly launched value-oriented investment firm spun out of Vulcan Value Partners that blends traditional value investing with modern AI and data science inputs. Our conversation covers Jim's path to value investing, experience at Vulcan, introduction of AI automation into the investment process, and founding Saguaro. We discuss sourcing the best businesses in the world, researching investments, making decisions, constructing portfolios, and applying technology tools to value investing. We close discussing the foundation for long-term investing at Saguaro and an investment example. Show Notes 02:42    Path to value investing 14:13    Experience at Vulcan Value Partners 18:55    Integrating AI into the investment process 26:51    Founding Saguaro 32:15    Investment beliefs 33:50    Sourcing 36:17    Researching and evaluating investments 39:40    Portfolio construction 43:50    Risk 44:36    Options strategy 47:45    Applying tech tools to value investing 52:34    Investment example 57:05    Closing questions   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Tomato Breeding Project Fueled By Over 1,000 Backyard Gardeners In 2005, gardeners Craig LeHouiller and Patrina Nuske-Small created the Dwarf Tomato Project. They wanted to preserve the flavor and beauty of heirloom tomatoes, without taking up too much space. They started crossbreeding heirloom tomatoes with smaller dwarf tomato plants. To do so, they enlisted volunteers from all over the world. Over 1,000 people have participated so far. You can even buy the seeds and plant them in your own garden! Ira talks with the project's co-founder, gardener and author, Craig LeHoullier, based in Hendersonville, North Carolina.   Southwestern States Break The Dam On Water Stalemate Southwestern states have been aware for decades that their use of Colorado River water is not sustainable. Forty million people depend on the watershed across seven states, several tribes, and northern Mexico. After intense pressure from the federal government, Arizona, California, and Nevada presented a plan last month to cut water use in these states. While the proposal isn't final, it's an important step in a long stalemate among southwestern states hesitant to use less water. The three states propose cutting 3 million acre-feet in water use through 2026—about ten percent of their total water allocation. The federal government plans to spend $1.2 billion to pay water users for the cuts. Joining Ira to break down what this plan means for southwest states is Dr. Sharon Megdal, director of the University of Arizona's Water Resources Research Center in Tucson, and Luke Runyon, managing editor and reporter for KUNC, in Grand Junction, Colorado.   Tracking The Saguaro Cacti Decline One of the most iconic symbols of the American Southwest is the saguaro cactus—the big, towering cactus with branching arms. Saguaro are the most studied variety of cactus, yet there's still much we don't know about them. Once a decade, researchers from the University of Arizona survey plots of roughly 4,500 saguaro to assess the health of the species. This past year there was a record low number of new cacti growing—the fewest since they started decadal surveys in 1964. What's driving this decline? Ira talks about the state of saguaro cacti with Peter Breslin, postdoctoral researcher at the University of Arizona's Desert Laboratory on Tumamoc Hill, based in Tucson, Arizona.   These Conservation Scientists Are Keeping The Sonoran Desert Diverse Many Americans might be surprised just how expansive and diverse the Sonoran Desert actually is. The 100,000 square-mile desert stretches across the border between the U.S. and Mexico, with the northernmost regions in southern California and Arizona making up just one third of the desert. The sweeping terrain is home to thousands of plant and animal species and contains every existing biome in the world—from timber tundras to rolling grasslands to arid desert basins. The majority of the Sonoran is within the Baja California peninsula and the Mexican state of Sonora, which includes the Gulf of California. The gulf alone is teeming with life—famed ocean explorer Jacques Cousteau once called the desert, “the world's aquarium.” Ira talks about the rich biodiversity of the Sonoran Desert and the importance of scientific collaboration across the border with Ben Wilder, director and co-founder of Next Generation Sonoran Desert Researchers, and Michelle María Early Capistrán, a conservation fellow at Stanford University and board member of the Next Generation of Sonoran Desert Researchers.   To stay updated on all-things-science, sign up for Science Friday's newsletters. Transcripts for each segment will be available the week after the show airs on sciencefriday.com.

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com 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 Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on 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 L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.