Podcasts about San Antonio

Eric Michael Garcia (The Independent) joins host Thomas Emerick for some Roundball Rock and the Memorial Day Miracle at the end of Game 2 of the 1999 Western Conference Finals between the San Antonio Spurs and the Portland Trailblazers.Eric Michael Garcia, Washington Bureau Chief for The Independent (Archive) and author of We're Not Broken: Changing the Autism Conversation, came of age in San Antonio as Tim Duncan teamed up with David Robinson and Sean Elliott helped them avoid the fate of many snakebitten teams out west in the '90s.Episode threads on this thriller that finished Spurs 86, Blazers 85:Respect to the Bob Costas-Doug Collins call that day for NBA on NBCSpurs postseason baggage before they ever got over the humpHow Houston's recent titles and Hakeem's shadow loomed large down I-10Mario Elie calling out Tim Duncan, then delivering that inbound to Sean ElliottHow fans saw the Blazers at the time and a reappraisal of a great, deep squad keyed by Rasheed WallaceWhether this was the most defensively adaptive Spurs team ever — and how Greg Popovich adjusted on the flyHow this team sparked Eric's interest in newspapers and journalismWhether Pop could've made a real Senate runTexas public schools in the '90s and early 2000sAnd, of course, where Eric was when Sean Elliott found a way to stay in bounds and launch a dynastyHOSTRotoViz contributor Thomas EmerickGuestEric Michael Garcia, Washington Bureau Chief for The Independent and author of We're Not Broken: Changing the Autism Conversation (@EricMGarcia)SPONSORSBetterHelp - This episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/ROTOVIZ and get on your way to being your best self.Underdog Fantasy – Get a 100% deposit match on your first deposit up to $100 when you sign up at Underdogfantasy.com using this link or the promo code ROTOVIZ.Listeners of RotoViz Radio can save 10% on a one-year RotoViz subscription by visiting RotoViz.com/podcast or by using the promotional code "rvradio2025" at the time of purchase.SHOW NOTESRotoViz Radio provides the power for Remember That Game: Subscribe to the RotoViz Radio on YouTubeDirect message: Bluesky @ThomasEmerick | Twitter @ThomasEmerickEmail: emericktc@gmail.comFollow: Apple and SpotifySubscribe: Remember That Game on YouTube

Ethicist and organizer Dr. Aaron Staufer returns to the podcast to tackle one of the most pressing questions facing progressive Christianity today: how do we move from feeling overwhelmed and powerless to actually building meaningful change in our communities? Aaron brings his experience as both a theologian and organizer to help us understand why mainline Protestantism has struggled to find its public voice, and more importantly, what we can do about it. We delve into the historical trajectory from the social gospel movement to today's challenges, exploring why building strong community relationships is essential for any genuine social change, and discussing how initiatives like Solidarity Circles are helping faith leaders develop the skills they need for movement work. This conversation gets into the weeds of democratic practice, theological imagination, and the practical work of organizing—all while trying to figure out how the church can be a force for justice in an increasingly complex world. In the conversation, we discussed the decline of mainline Protestant public witness, moving beyond charity, lessons from the Social Gospel movement, the crisis in theological education, why theology matters, practical strategies for congregations, Christianity's moral silence on Palestine,  class analysis, and organizing.  You can WATCH the conversation on YouTube Aaron Stauffer is the Director of Online Learning and Associate Director of the Wendland-Cook Program at Vanderbilt University Divinity School. He earned his PhD in social ethics at Union Theological Seminary in the City of New York and has organized with the Industrial Areas Foundation in San Antonio, Texas and Religions for Peace.  You can check out his previous visit to the podcast - Theology for Action.  Solidarity Circles is the Wendland-Cook Program in Religion & Justice's flagship leadership cohort for clergy, faith leaders, and grassroots organizers who want to build the solidarity economy—not just preach about it. For information & an application to the program, head over here.  ONLINE SUMMIT:⁠⁠⁠⁠ Democracy in Tension - NAVIGATING THE INTERLOCKING CRISES OF DEMOCRACY AND RELIGION ⁠⁠⁠⁠ Democracy today faces profound challenges – polarization, inequality, populist authoritarianism, and widespread cynicism are eroding the foundations of democratic life. Yet, what if democracy's greatest strength lies not in eliminating these tensions, but in productively embracing them?The summit will navigate the complex terrain between political equality and social justice, liberal freedom and democratic sovereignty, and ethical demands and political action. As always, the summit is donation-based, including 0. INFO & Sign-Up at ⁠⁠⁠⁠www.HomebrewedClasses.com⁠ ⁠⁠⁠⁠⁠Theology Beer Camp ⁠⁠⁠⁠⁠⁠⁠⁠⁠is a unique three-day conference that brings together of theology nerds and craft beer for a blend of intellectual engagement, community building, and fun. ⁠⁠⁠⁠⁠⁠⁠⁠⁠Get info and tickets here⁠⁠⁠⁠⁠⁠⁠⁠⁠. _____________________ This podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Homebrewed Christianity⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ production. Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠the Homebrewed Christianity⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Theology Nerd Throwdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rise of Bonhoeffer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ podcasts for more theological goodness for your earbuds. Join over 80,000 other people by joining our⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Substack - Process This!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get instant access to over 45 classes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.TheologyClass.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast, drop a review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, send ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠feedback/questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or become a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠member of the HBC Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jacob is a Lieutenant with the Cibolo Fire Department and has been proudly serving in the fire service for over 10 years. He's passionate about leading with strong values, building deep relationships, and helping firefighters find purpose in their work. Jacob has been married for 7 years and is a proud dad of two kids.  His family plays a huge role in shaping who he is—both at home and at the firehouse. He brings that same sense of connection and care into his leadership, believing that when you set clear expectations, build trust, and truly care about your team, great things happen. Based in the fast-growing I-35 corridor in Texas between San Antonio and Austin, Jacob is proud to serve a community that's expanding quickly—and he's just as committed to growing the people around him. At the heart of everything he does is one simple belief: firefighters are here to serve, and we do it best when we serve each other first. Sponsorship: @southwest_fire_academy Editing: @bradshea Marketing: @m.pletz Administration: @haileygreenfitness Partnership: @firefighternationhq

Summer Milestones & Anticipation: We are ramping up for their "Wrestlemania" or "Super Bowl" event – the Western and Southern WEBN fireworks, which are just 7 weeks away. There's also a post-Fourth of July longing for "spooky season," Pumpkin Spice Lattes (PSLs), and hoodie weather. Parenting Realities & Mishaps: Hear about a relatable "proud dad" moment gone wrong when a host missed his youngest daughter's horse show by arriving at the wrong time. He's making it up to her with a trip to King's Island.Tragedy in Texas: A somber discussion with iHeart pal Anne Hudson show is in Texas about the devastating flooding. Details about nearly 70 fatalities and the terrifying speed at which water rose (27 feet in 30 minutes). KiddChris's daughter is in San Antonio, and extended family was affected. Shout-out to Matthew 25, a local charity, acting as "superheroes" in the recovery efforts.Get the latest on Ozzy Osbourne's recurring "retirement" and his wife Sharon's expensive habits, with one KiddChris admitting he's "just not an Ozzy Black Sabbath guy".Plus, a bizarre story about a man named Matthew Allen charged with theft for spending over $7,000 on OnlyFans with a business credit card, which leads to a wild anecdote about a friend from the 90s using a company card for prostitutes.There's also the eyebrow-raising tale of a UK teacher caught drinking, cussing, and making students dance the Macarena in class.The "Foley" Phenomenon: Dave the Engineer gives his definition of "Foley'd" where anything KiddChris looks forward to, "comes crashing down". Examples include the missed horse show, his dog not adjusting to his new apartment, and getting kicked out of a pool.Outrageous "Hook-Up" Tips: A discussion about viral, highly unethical online advice for getting dates, including one shocking "immigration help" scheme and another involving shared Airbnbs.

This week, Preston catches up with Steven Bardin, who appeared as a guest in Episode 261 a little over a year ago. They catch up on what has happened since that previous episode, including the launch of Steven's Reel Biology podcast. They also spend a lot of time taking a deep dive and previewing the upcoming 2025 Black Bass Symposium that will be held in conjunction with the AFS meeting in San Antonio, Texas. We hope that you enjoy this episode!   Main point: "Be observant." AFS/Black Bass 2025 registration: https://afsannualmeeting.fisheries.org/registration/  Texas Pro Lake Management website: https://txprolake.com/  Serious Angler Podcast Network (where you can find Steven's Reel Biology episodes): https://www.youtube.com/@SeriousAnglerBassFishing/videos      Get in touch with us! The Fisheries Podcast is on Facebook, Twitter, Instagram, Threads, and Bluesky: @FisheriesPod  Become a Patron of the show: https://www.patreon.com/FisheriesPodcast Buy podcast shirts, hoodies, stickers, and more: https://teespring.com/stores/the-fisheries-podcast-fan-shop Thanks as always to Andrew Gialanella for the fantastic intro/outro music. The Fisheries Podcast is a completely independent podcast, not affiliated with a larger organization or entity. Reference to any specific product or entity does not constitute an endorsement or recommendation by the podcast. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. Views and opinions expressed by the hosts are those of that individual and do not necessarily reflect the view of any entity with those individuals are affiliated in other capacities (such as employers).

In this episode, we tell the dramatic true story of Charles Jefferson Harrison, a respected San Antonio businessman who became one of Appalachia's most elusive train robbers.  Caught when an employee tried to deposit some of the loot from a 1915 robbery, Harrison and his partners in crime were tried in Martinsburg, West Virginia in 1916, where the grizzled outlaw stunned the public by breaking down in tears and confessing to a string of crimes dating back more than two decades. It turns out Harrison lived a double life that fooled everyone around him including his ex-wife.It's another one of the Stories of Appalachia.  Don't miss any of our stories by subscribing wherever you get your favorite podcasts.  Thanks for listening!

durée : 00:48:30 - Affaires sensibles - par : Fabrice Drouelle, Franck COGNARD - Aujourd'hui dans Affaires sensibles : l'enlèvement de Joséphine, la fille de San Antonio - réalisé par : Stéphane COSME Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Want to reach out to us? Want to leave a comment or review? Want to give us a suggestion or berate Anthony? Send us a text by clicking this link!When we lose sight of what makes Catholicism truly Catholic, we risk transforming our faith into something unrecognizable. In this riveting conversation with Michael Hichborn of the Lepanto Institute, we journey deep into the heart of a crisis unfolding in the Church.Michael shares his daring undercover mission at the Association of United States Catholic Priests (AUSCP) conference in San Antonio, where he discovered priests openly advocating for women's ordination, LGBT acceptance, and "priestless parishes"—all while enjoying support from prominent bishops and cardinals. His firsthand account includes a surprising encounter with a gay priest at the hotel bar and the shocking moment when his cover was blown.The conversation shifts to a profound examination of how Catholic worship has evolved—or deteriorated—since Vatican II. Though the liturgy was developed over two millennia, recent decades have seen a Protestantization of Catholic worship that has stripped away the sacred elements that once defined it. As Michael powerfully argues, "Once you get rid of the customary life of the church, now you have to replace it with something else." This liturgical crisis connects directly to the moral and doctrinal confusion we see today, including bishops who remove kneelers to discourage traditional postures of reverence.We explore the miraculous shrine of Las Lajas in Colombia, where an unexplainable image appears three feet deep within solid rock—a powerful example of how authentic Catholic faith inspires cultural greatness. As modern civilization abandons its Christian foundations, these miracles serve as reminders that "if these shall hold their peace, stones will cry out."Whether you're concerned about the direction of the Church, fascinated by the intersection of faith and culture, or simply seeking clarity amid confusion, this episode offers profound insights into reclaiming authentic Catholic identity in a time of unprecedented challenges. Listen now and rediscover what makes our faith truly timeless.Support the showSponsored by Recusant Cellars, an unapologetically Catholic and pro-life winery from Washington state. Use code BASED at checkout for 10% off! https://recusantcellars.com/********************************************************Please subscribe! https://www.youtube.com/channel/UCKsxnv80ByFV4OGvt_kImjQ?sub_confirmation=1https://www.avoidingbabylon.comLocals Community: https://avoidingbabylon.locals.comRSS Feed for Podcast Apps: https://feeds.buzzsprout.com/1987412.rssRumble: https://rumble.com/c/AvoidingBabylon

We welcome back comedian, author, and former Chelsea Lately star Sarah Colonna for a no-holds-barred Part 2. From influencer lists to psychic warnings, nothing's off-limits. We start by comparing notes on being left out of influencer trips while Sarah confesses, she just came back for another coffee reading. “I just wanted a second opinion,” she laughs. The gang dives into “Haute Topics,” debating Kelsey Grammer welcoming baby number eight at 70.  We react to The Chrisleys pardoned by Trump after stealing millions. “How do they get picked over people in for petty crimes?” Sarah wonders. Patrik sums it up: “Best friends with the president.” Next, we rave about Jeremy Allen White (Sarah's Shameless co-star) starring as Bruce Springsteen in a new biopic. Sarah shares she met him at table reads and jokes she wants to cameo as Courtney Cox in the “Dancing in the Dark” video. They debate whether Jeremy can sing or not. On Runway Rundown, the critiques get spicy. Chelsea Handler's silver strapless gown draws mixed reviews—Patrik calls it “prom 1975,” while Sarah defends her ex-boss: “I think it looks good on her!” Elsa Hosk's sheer, couture Cannes gown blows them away: “This is the definition of slay.” Kristen Stewart's cream shorts suit sparks debate over proportions and those controversial bobby socks. When Sarah's own red satin top appears on screen, Patrik calls it “Halloween gone bad.” She promises never to wear it again. In between fashion roasts, they commiserate over self-tape auditions. Patrik groans about taping for parts like crack dealers, plastic-surgery addicts, and porn-star managers. Sarah admits she prefers professional taping studios because filming with her husband is “a recipe for divorce.” Then it's time for Pol's coffee reading—Sarah's main reason for showing up again. He sees: A person close to her (with a “J” in the name) who pretends to be supportive but is actually jealous and waiting for the right moment to sabotage her. A project she's put aside that will unite her stand-up, writing, and acting—her real path forward. A future trip that will be canceled, and she shouldn't force it (“You'll find out later you weren't supposed to go.”).  Sarah looks stunned: “I think I know who this is.” They play a game of “Sarah Colonna: Chelsea Lately or Football Wife?” recalling whether she ever flashed an audience (she didn't), spilled a drink on the owner's shoes (also didn't), or got mistaken for a cheerleader (sadly, no). They giggle about Snow White 90210 being called “Little Thunder” at football games. Sarah shares memories of her worst commercial—a Home Depot ad shot near the airport with no AC. “They were mad I was sweating in July!” she recalls. They laugh about how she still does self-tapes, though she'd rather be in the room getting feedback. Wrapping up, Sarah talks about her live shows in Oregon, San Antonio, Las Vegas, Tacoma, and Spokane. She plugs her podcasts: Are You My Podcast with Mary Radzinski The Book Lisp with her husband Jon (“It's about books—and our lisp!”) We end with Sarah declaring she feels “naked and afraid—in the best way.”  This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to ⁠⁠HurrdatMedia.com⁠⁠ or the ⁠⁠Hurrdat Media YouTube⁠⁠ channel!   Subscribe to our audio: ⁠⁠linktr.ee/undressedpod⁠⁠ Follow Pol Atteu:  Instagram: ⁠⁠@polatteu⁠⁠  Tiktok: ⁠⁠@polatteu ⁠⁠ Twitter: ⁠⁠@polatteu ⁠⁠ ⁠⁠www.polatteu.com⁠⁠ Follow Patrik Simpson:  Instagram: ⁠⁠@patriksimpson ⁠⁠ Tiktok: ⁠⁠@patriksimpsonbh⁠⁠ ⁠⁠www.patriksimpson.com⁠⁠ Follow SnowWhite90210: Instagram: ⁠⁠@snowwhite90210⁠⁠ Twitter: ⁠⁠@SnowWhite9010⁠⁠ ⁠⁠www.snowwhite90210.com⁠⁠ Watch Gown and Out In Beverly Hills on ⁠⁠Prime Video⁠⁠.  ⁠⁠www.gownandoutinbeverlyhills.com⁠⁠ #UndressedPodcast  Armenian Coffee Reading: ⁠⁠https://polatteu.com/armenian-coffee-cup-read Learn more about your ad choices. Visit megaphone.fm/adchoices

Stories we're following this morning at Progress Texas:The U.S. House appears preparing to vote on Donald Trump's Big Bullshit Bill: https://apnews.com/live/donald-trump-news-updates-7-3-2025...As of last night, Austin Democratic Congressman Lloyd Doggett was holding out hope that the bill could be stopped: https://cbsaustin.com/news/local/doggett-holding-out-hope-that-trumps-one-big-beautiful-bill-could-fail-in-house...Austin Republican Congressman Chip Roy, seemingly holding out over the massive impact to the national debt, seems likely pliable over additional benefit cuts: https://www.nytimes.com/2025/07/02/us/politics/trump-conservatives-bill.html...Massive impacts on Texas, especially those in rural, Republican areas, appear to be landing on deaf GOP ears: https://www.keranews.org/texas-news/2025-07-02/texas-trump-tax-big-beautiful-bill-congress-snap-medicaid...The Texas clean energy sector, which just dodged a bullet with the end of the state legislative session, could be devastated by the bill: https://www.houstonchronicle.com/opinion/outlook/article/trump-budget-bill-wind-solar-ira-credits-20415094.phpRumors are growing that recently-former San Antonio Mayor Ron Nirenberg is planning to run for Governor: https://quorumreport.com/quorum_report_daily_buzz_2025/chatter_growing_louder_out_of_san_antonio_that_for_buzziid32725.html...Our recent talk in San Antonio with Mayor Ron and newly-elected Mayor Gina Ortiz Jones: https://progresstexas.org/podcast/special-live-pod-san-antonio-party-progress-mayor-ron-nirenberg-and-mayoral-candidate-ginaWe should pay attention to lesser-known, upstart candidates too, including former astronaut Terry Virts of Houston, running for Senate: https://www.space.com/space-exploration/human-spaceflight/former-astronaut-terry-virts-talks-about-his-senate-run-trump-and-the-nasa-budget-in-exclusive-space-com-interview-video...And East Texas farmer and firefighter Bobby Cole, running for Governor: https://www.houstonchronicle.com/politics/texas/article/greg-abbott-reelection-20415198.phpThe upcoming special session appears likely to be characterized by growing tension between Governor Greg Abbott and Lt. Governor Dan Patrick over "Dan's Ban": https://www.khou.com/article/news/local/texas/texas-special-session-2025-thc-ban-greg-abbott-dan-patrick/285-982791df-6705-49fd-9d88-5ae09939b2caThat expected lawsuit over the new law requiring the displaying of the Ten Commandments in Texas classrooms from the ACLU has arrived: https://www.kxan.com/video/aclu-files-suit-against-texas-ten-commandments-law-kxan-news-at-6-p-m/10859214/Heading into the 4th of July weekend, Texas ranks terribly on a ranking of states based on patriotism: https://austin.culturemap.com/news/city-life/least-patriotic-states-texas-2025/As the Progress Texas Summer Vacation series focuses on the Big Bend region, we learn that Donald Trump's undercutting of the National Park system is both politically and fiscally stupid: https://www.tpr.org/2025-06-23/as-visitors-flock-to-parks-deep-cuts-leave-rangers-and-wildlife-at-riskThe merch to match your progressive values awaits at our web store! Goodies at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://store.progresstexas.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Thanks for listening! Find our web store and other ways to support our important work at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://progresstexas.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In this episode, Ken Shuman speaks with Mario Ramos, a retired pastor and professor from San Antonio, TX, and a Faithwalking coach, facilitator, and board member. In it Mario tells a powerful story of personal and relational transformation as a result of the work he has done through Faithwalking. He speaks of a need for acceptance, love, and affirmation so vast "it was like the Grand Canyon - it was so deep and wide, nothing could fill it." As a result of this unmet need, Mario developed a way of being in the world that pushed others away. This caused his family a great deal of pain and damaged his relationships with his wife and children, among others. Mario shares that he did not realize any of this until he began to do the work of Faithwalking - he was "like a bull in a china closet," not really understanding the damage he was doing. "It wasn't until Faithwalking that I became aware of the dynamics that caused so many problems in my life." He was then able to address these issues and the wounds that caused them, and today he reports he is happily married and has a great relationship with his 3 grown children! He became more whole, his wife (who is also a Faithwalker) became more whole, his marriage became more whole, and his relationship with his kids became more whole. Through the power of the Holy Spirit, Faithwalking makes wholeness possible. Tune in for more of Mario's story!This episode was recorded in May 2025.

Crazy CFB fans, unroastable sports teams, the McAfee Effect, and the legendary Lee Corso… On the net, it's a positive. ----- JOKES FOR HUMANS TOUR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://johncristcomedy.com/tour/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 9/19 - Grand Rapids, MI 9/20 - Fort Wayne, IN 9/21 - Paducah, KY 9/26 - North Charleston, SC 9/27 - Macon, GA 9/28 - Hiawassee, GA 10/2 - Evansville, IN 10/3 - Dayton, OH 10/4 - Peoria, IL 10/10 - Knoxville, TN 10/11 - Greenville, SC 10/16 - York, PA 10/17 - Detroit, MI 10/18 - Cleveland, OH 10/24 - Birmingham, AL 10/25 - Chattanooga, TN 11/7 - Boise, ID 11/8 - Spokane, WA 11/9 - Tacoma, WA 11/20 - Abilene, TX 11/21 - San Antonio, TX 11/22 - Tyler, TX 11/23 - Austin, TX 12/5 - Phoenix, AZ 12/6 - Santa Rosa, CA 12/7 - Redding, CA 12/11 - South Bend, IN 12/12 - Munhall, PA 12/14 - Buffalo, NY ----- Catch the full video podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow us on social media (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@netpositivepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) for clips, bonus content, and updates throughout the week. ----- Email us at netpositive@johncristcomedy.com ----- FOLLOW JOHN ON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----- SUPPORT OUR SPONSORS MANDO: Control Body Odor ANYWHERE with @shop.mando and get $5 off your Starter Pack (that's over 40% off) with promo code NETPOSITIVE at https://shopmando.com MOSH: Save 20% off plus FREE shipping on the Best-Sellers Trial Pack at https://moshlife.com/NETPOSITIVE HELIX: Go to https://helixsleep.com/NETPOSITIVE for 20% OFF SITEWIDE! ----- PRODUCED BY: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alex Lagos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lagos Creative

We believe in the power of the cross. We believe it is big enough to make us born again, to sustain us, to free us from sin, and to unify a divided Bride! This episode implores the Bride to see more fully what Christ accomplished on the cross and how it is bigger than we ever imagined. THE BRAVEHEART SUMMIT REGISTRATION IS LIVE! Secure your spot today! What is the Braveheart Summit? It is a rallying point for Bravehearts. If you're hungry for God, eager for true connection with others, and ready to grow deep in the faith of the gospel, this Summit is for you. Whether you've been running with Braveheart for years or are new to our podcast or free video series, you're invited to join us in this holy gathering. The Summit is not an end point, it's a launching point. We purpose to gather, to magnify Jesus, to uplift the body of Christ and to return home on mission refreshed, radiant and ready to run.Details - November 6th-8th in San Antonio, Texas Click HERE to register.Send us a textSupport the show

On today's episode of The Big Podcast w/ Shaq we welcome Comedian Bill Bellamy! Together they talk about their wildest on-stage stories, Bill roasts Shaq for insane Ferrari incident, & Shaq is mad he didn't get anything from the Lakers sale. Make sure you subscribe so you never miss an episode of The Big Podcast.Don't miss out on all the action this week at DraftKings! Download the DraftKings app today! Sign-up using https://dkng.co/bigpod or through my promo code BIGPODSubscribe to The Big Podcast YouTube Channel to watch more episodes!Grab The Dome Shaver™ Pro Package for 15% OFF with code "BIGPOD" at https://Manscaped.com! #ManscapedPartnerLook to Lunazul Tequila – 100% Agave Tequila…Where tradition outshines trends….available at a liquor store near you. https://lunazultequila.com/Follow us on all platforms: https://linktr.ee/bigpodcastChapters:00:00 Intro01:40 Chuck vs San Antonio women02:45 Craziest on-stage stories04:35 Def Jam's How to Be a Player08:55 Traditional vs Internet route11:40 DraftKings segment12:45 DraftKings ad14:00 Comedy influences16:05 Black vs White comedy19:15 What if Comedy haven't worked out19:55 Lunazul segment21:40 Lunazul ad22:10 Manscaped ad23:25 Bill leaves Shaq in tears26:45 Shaq reacts to Lakers being sold27:45 Shaq and Bill reflect on their journey30:45 EndingGAMBLING PROBLEM? CALL 1-800-GAMBLER, (800) 327-5050 or visit gamblinghelplinema.org (MA). Call 877-8-HOPENY/text HOPENY (467369) (NY).Please Gamble Responsibly. 888-789-7777/visit ccpg.org (CT), or visit www.mdgamblinghelp.org (MD).21+ and present in most states. (18+ DC/KY/NH/WY). Void in ONT/OR/NH. Eligibility restrictions apply. On behalf of Boot Hill Casino & Resort (KS). 1 per new customer. $5+ first-time bet req. Max. $150 issued as non-withdrawable Bonus Bets that expire in 7 days (168 hours). Stake removed from payout. Terms: dkng.co/dk-offer-terms. Ends 7/20/25 at 11:59 PM ET. Sponsored by DK.Pick6 not available everywhere, including, but not limited to NY and CA-ONT (for up-to- date list of jurisdictions please visit pick6.draftkings.com/where-is-pick6-available).MB015LOFCZSY8PG#nba #lakers #shaq #bigpod #basketball #bigshaq #bigpodcast #comedy #humor #defjam Hosted on Acast. See acast.com/privacy for more information.

The Golden Retriever of Comedy Tour is coming to your city! Get tickets at https://www.dansoder.com/tour July 18-19 - Virginia Beach,VA Aug 1-2 - Portland, ME Aug 15 - Wilmington,NC Sep 5-6 - Phoenix,AZ Sep 25 - Los Angeles, CA Sep 25 Los Angeles, CA Sep 26 Seattle, WA Sep 27 Portland, OR OCT 3 Tucson, AZ Oct 4 Denver, CO Oct 9 Knoxville, TN OCT 10 Atlanta, GA Oct 11 Louisville, KY Oct 24 Providence, RI OCT 25 Nashville, TN NOV 7 San Antonio, TX NOV 8 Austin, TX NOV 13 Iowa City, IA Nov 14 Minneapolis, MN NOV 15 Madison, WI NOV 21 Kansas City, MO NOV 22 St. Louis, MO DEC 5 Vancouver, BC DEC 6 Eugene, OR DEC 12 Columbus, OH DEC 13 Royal Oak, MI Follow Adam Cayton-Holland https://www.instagram.com/caytonholland/?hl=en https://www.adamcaytonholland.com/ https://www.youtube.com/watch?v=qlj8OJa6xRk PLEASE Drop us a rating on iTunes and subscribe to the show to help us grow. https://podcasts.apple.com/us/podcast/soder/id1716617572 Connect with DAN Twitter: https://Twitter.com/dansoder Instagram: https://www.instagram.com/dansoder Tiktok: https://www.tiktok.com/@dansodercomedy Facebook: https://www.facebook.com/dansoder Youtube: http://www.youtube.com/@dansoder.comedy #dansoder #standup #comedy #entertainment #podcast Produced by  Mike Lavin   @homelesspimp   https://www.instagram.com/thehomelesspimp/?hl=en

It's Tuesday, July 1, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson and Adam McManus Chinese Communists give pastors 3 years in jail for leading church Three pastors from Linfen Covenant Home Church in Shanxi, China have been sentenced to 2-4 years of prison time for various charges related to their leading an unregistered church in the communist country. The church issued a statement, announcing that “We honor the service of Li Jie, Han Xiaodong, and Wang Qiang who suffered for righteousness, and we are willing to bear the cross with the Lord. We receive this verdict with a grateful and obedient heart.” Jesus offers this encouragement in Revelation 2:10 -- “Do not fear any of those things which you are about to suffer. Indeed, the devil is about to throw some of you into prison, that you may be tested, and you will have tribulation ten days. Be faithful until death, and I will give you the crown of life.” Brazilian homeschool mother facing $20,000 of fines Today, a Brazilian court will hear a case of a mom prosecuted for homeschooling her son.   Regiane Cichelero is facing fines of $20,000 and threats of losing custody of her child, for choosing home education on religious grounds.  Alliance Defending Freedom International has taken up the case.  Her legal counsel, Julio Pohl, pointed out that “No parent should fear state punishment for choosing to homeschool their child. Regiane made a lawful and conscientious decision to teach her son at home. We are hopeful that the court will affirm her rights and take an important step toward protecting parental rights in Brazil.”   Regiane continues to homeschool despite the risks involved. Pray for this case, which may serve as a precedent for the other 70,000 homeschooled children in Brazil.   Victory of Christian Colorado camp over transgender agenda Also, Alliance Defending Freedom has announced a favorable settlement for the Idrahaje Christian Camp in Bailey, Colorado. The camp was under threat of losing its license for refusing to submit to state requirements regarding the transgendering of bathrooms and living quarters. The name of the camp is taken from the phrase “I'd rather have Jesus more than anything!”  They use the first two letters of the first four words. The State of Colorado agreed not to take any enforcement action against Camp IdRaHaJe for violation of the gender identity requirements. The state has also clarified in a memo on its website that “churches, synagogues, mosques, or any other place that is principally used for religious purposes” are exempt from the transgendering requirements. Syria's own government helped massacre 1,500 Alawites Reuters has reported on its investigation of the Syrian massacre of 1,500 Alawites in March of this year. The perpetrators included units belonging to the new government based in Damascus. Ahmed Hussein al-Sharaa of the Free Syrian Army and Al-Qaeda took over Syria in January of this year. The new government has also instituted a constitution stating that  “The religion of the President of the Republic is Islam. … Islamic jurisprudence is the principal source of legislation.” This constitutes a step up in Islamic rule over Syria. According to Open Doors, Syria is the 18th most dangerous country worldwide for Christians. Iraq allows Muslim men to “marry” 9-year-old girls The new Iraqi government is also following Islamic Sharia law closely. Earlier this year, Iraq's parliament voted to give Islamic courts more control in family law, and permit child marriages for girls as young as nine years of age.  Supreme Court allows parents to opt kids out & requires porn sites to verify age Here in America, the U.S. Supreme Court is allowing parents opt-out rights for their elementary-aged children from having to participate in homosexual-themed lessons. That comes by a vote of 6 to 3. Writing for the majority, Justice Samuel Alito emphasized that “What the parents seek here is not the right to micromanage the public school curriculum, but rather to have their children opt out of a particular educational requirement that burdens their well-established right ‘to direct ‘the religious upbringing' of their children'” under  the free exercise clause of the First Amendment.  Another 6-3 ruling, the High Court has also upheld a Texas Law requiring pornographic websites to verify users are over 18 years of age.  Only adults will be allowed into these sinful activities. Writing for the majority, Justice Clarence Thomas concluded, ”The power to require age verification is within a State's authority to prevent children from accessing sexually explicit content.” But, in Matthew 5:27-28, Jesus said, “You have heard that it was said to those of old, ‘You shall not commit adultery.'  But I say to you that whoever looks at a woman to lust for her has already committed adultery with her in his heart.” U.S. government buying its own bonds The U.S. government is buying back its own bonds. Barchart reports the largest buyback in history occurred earlier this month.  Under the direction of Treasury Secretary Scott Bessent, the department bought $10 billion of its own bonds.  Federal Reserve on the ropes The Federal Reserve issued $150 billion of bonds in May, but only managed to sell half of them.   Also, the Fed has recorded its first two-year-in-a-row financial loss, totaling $192 billion in 2023 and 2024. This is the first time this has occurred in the Fed's 110-year history. Year to date,  the federal deficit  stands at $1.37 billion as of the end of May. That's 14% higher than last year at this time.  Dad jumps into ocean off Disney Cruise ship to save daughter Here's a story demonstrating a remarkable act of courage and love on the part of a dad. A young child fell off the fourth deck of a Disney cruiseliner on Sunday.   Her father took immediate action, dove in after her. . . and held her while treading water, until a rescue boat pulled them out of the ocean waters. An eyewitness explained what happened to WPLG News. EYEWITNESS: “They were playing shuffleboard that was on the fourth floor. The parents were playing, and then the little girl was climbing up on the railing and flew off.” One passenger said,  “The ship was moving quickly, so quickly, it's crazy how quickly the people became tiny dots in the sea, and then you lost sight of them.” Another passenger said, “I saw the mother crying and but when they rescued them, I think that's when the tears really started flowing.  I prayed to God to save them, and He did!” The Disney Dream was heading back from the Bahamas to Fort Lauderdale when the incident occurred. Worldview teens share their hearts 15-year-old Titus Beran in Omaha, Nebraska wrote me at Adam@TheWorldview.com. He said, “I love the verses included in the newscast! They really help me focus back on God's Word and bring every area of life, even politics and news, into captivity to the obedience of Christ.” And 16-year-old Leah Smith in Franklin, Kentucky wrote, “I have been subscribed to The Worldview in 5 Minutes for a little over a year. I don't watch the news on a regular basis, but have been continually blessed by the ministry of this website. It is so irregular to have such a concise, non-secular newscast that makes me aware of political news, needs of persecuted Christians, and even basic information that keeps me up to date on what is going on. “When I read your newscast transcript,  I am not only encouraged by stories of fellow believers, but I am also moved to pray for the issues in our world. God is truly using your Christian newscast to reach people with the truth. It has been a blessing in my life!” What Troy's three boys enjoy about The Worldview Troy in Horseshoe Bend, Arkansas talked to his three sons -- Sovereign, age 12, Shalom, age 10, and Apollos, age 7 -- about The Worldview. They said, “I like to start my morning at breakfast listening to it.” “I like how I get to hear about people around the world who need Jesus.”  And “I like that I can hear the news which is filtered through a Biblical lens.” Troy added, “We praise the Lord for all of you and your diligent service to the Lord. It is so exciting to hear about donors from all over the world who are united to us in Christ. What an encouraging example to our younger generation. Thank you from the bottom of our hearts.” 42 Worldview listeners gave $12,534.95 to fund our annual budget And finally, toward our $123,500 goal by yesterday, June 30, to fully fund The Worldview's annual budget for our 6-member team, 42 listeners stepped up to the plate. Our thanks to Sovereign, age 12, Shalom, age 10, and Apollos, age 7, in Horseshoe Bend, Arkansas who gave $4.50, Mamie in Tulsa, Oklahoma who gave $10 as well as Esther in Bolivar, Missouri, Henry in Elizabeth City, North Carolina, Holly in San Antonio, Texas, Carol in Kingston, New York, Amy in Ennis, Texas, and Jensen, age 9, in Humboldt, Saskatchewan, Canada – each of whom gave $25. We appreciate Mark in Goodyear, Arizona who gave $30, Kayden, age 16, in Gepp, Arkansas who gave $40 as well as Kolt, age 13, in Gepp, Arkansas, Isaiah in Fruita, Colorado, Alexander in Greensburg, Pennsylvania, Phillip in Alliance, Ohio, Sarah in Rolla, Missouri, and Constance in Los Alamos, California – each of whom gave $50. We are grateful to God for Joe and Sheryl in Westmoreland, Tennessee who gave $60, Michael in Torrance, California and Marty and Christa in Humboldt, Saskatchewan, Canada – both of whom gave $75, as well as Craig in Moriarty, New Mexico, Gay in Victoria, Texas, George in Edinburgh, Indiana, Debbie in Wildwood, Missouri, Gregory in Lodi, California, Duane in Moriarty, New Mexico, Marcia in Holland, Michigan, and an anonymous donor in Atlanta, Georgia – each of whom gave $100. We were touched by the generosity of Rusty in Marshall, Illinois and Josiah in Hillsboro, Kansas – both of whom gave $200, Frances in Beacon, New York who gave $240.45, Wes in Eden Prairie, Minnesota  and LuShun in Newport News, Virginia – both of whom gave $250, Kirtis in Gepp, Arkansas who gave $300, as well as Ed in Wellsburg, Iowo and Michele in Kindersley, Saskatchewan, Canada – both of whom pledged $25/month for 12 months for a gift of $300 each. And we were moved by the sacrifice of Danielle in Brighton, Colorado who gave $450, Brad and Judy in West Chicago, Illinois who gave $500, Troy in Horseshoe Bend, Arkansas who pledged $50/month for 12 months for a gift of $600, John in Auburn, Washington who gave $1,000, Max in Macon, Georgia  who gave $1,200, an anonymous donor from Louisiana who gave $1,200, and Jeanne in Columbia, South Carolina who gave $4,000. Those 42 Worldview listeners gave a total of $12,534.95 Ready for our new grand total? Drum roll please.  (Drum roll sound effect) $125,494.50!  (People clapping and cheering sound effect)   That means we exceeded our $123,500 goal to fund the 6-member Worldview newscast team by $1,994.50! On behalf of the entire Worldview newscast team -- including Kevin Swanson and Jonathan Clark who write the newscast transcript alongside myself, Emily Munday who helps research stories, Rebakah Swanson and Kayla White who add the music, select the image, and upload the audio to multiple platforms – thank you for sharing your treasure to ensure that we can deliver accurate news from a Biblical perspective for another fiscal year. 1 John 3:18 says, “Let us not love in word or talk, but in deed and in truth.”  Those of you who were prompted by the Lord to give financially and to pray for this ministry, you showed your love in your deeds. For that, we humbly thank you.  And I assure you, we'll be vigilant stewards of every hard-earned penny which you've entrusted to us. Close And that's The Worldview on this Tuesday, July 1st, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Full Text of ReadingsTuesday of the Thirteenth Week in Ordinary Time Lectionary: 378The Saint of the day is Saint Junipero SerraSaint Junipero Serra’s Story In 1776, when the American Revolution was beginning in the east, another part of the future United States was being born in California. That year a gray-robed Franciscan founded Mission San Juan Capistrano, now famous for its annually returning swallows. San Juan was the seventh of nine missions established under the direction of this indomitable Spaniard. Born on Spain's island of Mallorca, Serra entered the Franciscan Order taking the name of Saint Francis' childlike companion, Brother Juniper. Until he was 35, he spent most of his time in the classroom—first as a student of theology and then as a professor. He also became famous for his preaching. Suddenly he gave it all up and followed the yearning that had begun years before when he heard about the missionary work of Saint Francis Solano in South America. Junipero's desire was to convert native peoples in the New World. Arriving by ship at Vera Cruz, Mexico, he and a companion walked the 250 miles to Mexico City. On the way Junipero's left leg became infected by an insect bite and would remain a cross—sometimes life-threatening—for the rest of his life. For 18 years, he worked in central Mexico and in the Baja Peninsula. He became president of the missions there. Enter politics: the threat of a Russian invasion south from Alaska. Charles III of Spain ordered an expedition to beat Russia to the territory. So the last two conquistadors—one military, one spiritual—began their quest. José de Galvez persuaded Junipero to set out with him for present-day Monterey, California. The first mission founded after the 900-mile journey north was San Diego in 1769. That year a shortage of food almost canceled the expedition. Vowing to stay with the local people, Junipero and another friar began a novena in preparation for St. Joseph's day, March 19, the scheduled day of departure. On that day, the relief ship arrived. Other missions followed: Monterey/Carmel (1770); San Antonio and San Gabriel (1771); San Luís Obispo (1772); San Francisco and San Juan Capistrano (1776); Santa Clara (1777); San Buenaventura (1782). Twelve more were founded after Serra's death. Junipero made the long trip to Mexico City to settle great differences with the military commander. He arrived at the point of death. The outcome was substantially what Junipero sought: the famous “Regulation” protecting the Indians and the missions. It was the basis for the first significant legislation in California, a “Bill of Rights” for Native Americans. Because the Native Americans were living a nonhuman life from the Spanish point of view, the friars were made their legal guardians. The Native Americans were kept at the mission after baptism lest they be corrupted in their former haunts—a move that has brought cries of “injustice” from some moderns. Junipero's missionary life was a long battle with cold and hunger, with unsympathetic military commanders and even with danger of death from non-Christian native peoples. Through it all his unquenchable zeal was fed by prayer each night, often from midnight till dawn. He baptized over 6,000 people and confirmed 5,000. His travels would have circled the globe. He brought the Native Americans not only the gift of faith but also a decent standard of living. He won their love, as witnessed especially by their grief at his death. He is buried at Mission San Carlo Borromeo, Carmel, and was beatified in 1988. Pope Francis canonized him in Washington, D.C., on September 23, 2015. Reflection The word that best describes Junipero is zeal. It was a spirit that came from his deep prayer and dauntless will. “Always forward, never back” was his motto. His work bore fruit for 50 years after his death as the rest of the missions were founded in a kind of Christian communal living by the Indians. When both Mexican and American greed caused the secularization of the missions, the Chumash people went back to what they had been—God again writing straight with crooked lines. Saint Junipero Serra is the Patron Saint of: California Missions Click here for more on Saint Junipero Serra! Saint of the Day, Copyright Franciscan Media

Today's daf is sponsored by Gitta and David Neufeld in memory of Gitta’s father, Yosef ben Menachem Mendel v’Pesha a”h on his tenth yahrzeit. He cherished his family and Torah, and would be so proud of the generations following in his footsteps and adhering to his values and moral compass. וכתר שם טוב עולה על כולם Today's daf is sponsored by Harriet Hartman in memory of  Moshe Hartman, z’l, on his 6th yahrzeit. He continues to be missed dearly. He would delight in my learning, his children’s and his grandchildren’s learning, which we will honor with a family siyum on his yahrzeit. Today's daf is sponsored by Monica Steiner in honor of Rabbi David Abraham Kaplinsky, who begins his first pulpit in San Antonio, Texas today. May you find joy and strength in your work and community. I am so proud of you, David, and love you with all my heart. In an idolatrous city, one may purchase from stores that are not decorated for idolatry, but not from those that are adorned for such purposes. Rabbi Yochanan and Reish Lakish disagree about both the reason for this prohibition and its scope. Reish Lakish is concerned with decorations that have beautiful scents, as the Jews will benefit from idol worship. According to Rabbi Yochanan, the issue is because those stores pay tribute to the idols. A difficulty is raised against Reish Lakish's position. In resolving the difficulty, the difficulty is moved to Rabbi Yochanan's position, but is resolved as well. Items purchased in a forbidden manner are to be rendered useless. For animals, this means to cut off the hooves. A question is asked why this isn't forbidden on account of tzaar baalei hayim - mistreatment of animals? Why, in another context of sanctified items, is the penalty to close the animal in a room and let it die? What is the difference between the two cases? If an animal purchased from an idol worshipper needs to have its hooves cut off, does something similar need to be done to a gentile slave that is purchased? The Gemara brings a different source to prove that one is not allowed to cause physical damage to a slave. What items can one not sell to an idol worshipper as part of the prohibition to put a stumbling block in front of a blind person?

During the reign of Ahaz in Judah, Hoshea comes to the throne of Israel, and he is the last king to reign in the northern kingdom. About the year 722 BC, the Assyrian Empire besieges Samaria and conquers Israel. The Scripture makes plain that this was no matter of historical accident, but rather, the LORD was bringing about His judgment against Israel for their idolatry which had characterized Israel from the days of Jeroboam son of Nebat. Judah too walked in these ways, but their destruction was yet to come. After Assyria conquered Israel, they moved some Israelites to other parts of their empire and moved other conquered people into Israel. The resulting conglomeration of people and religions provides the background for the enmity between Judeans and Samaritans in the New Testament.  Rev. Dr. Brian Kachelmeier, pastor at Crown of Life Lutheran Church in San Antonio, TX, joins host Rev. Timothy Appel to study 2 Kings 17:1-41.  To learn more about Crown of Life, visit www.crownoflifesa.org. "A Kingdom Divided” is a series on Sharper Iron that goes through 1-2 Kings. The division in the kingdom of Israel in this part of history was greater than a matter of north and south. The biggest division was between the people and their God. Yet even as the people rebelled against the LORD as their King, still He remained faithful to call them back to Himself through His prophets, working through history to send the good and gracious King, Jesus Christ. Sharper Iron, hosted by Rev. Timothy Appel, looks at the text of Holy Scripture both in its broad context and its narrow detail, all for the sake of proclaiming Christ crucified and risen for sinners. Two pastors engage with God's Word to sharpen not only their own faith and knowledge, but the faith and knowledge of all who listen. Submit comments or questions to: listener@kfuo.org

Brian chats with The Ringer's Michael Pina about the start of NBA free agency, Luke Kornet leaving Boston to sign with San Antonio, the Celtics' recent draft picks, how competitive the C's will be in the East next year, and more (0:35). Then, Brian discusses the Bruins' free agent pickups so far this year, their draft picks, and a look back at the Brad Marchand trade to Florida (43:30). Brian and Jamie end with a listener email on the Celtics (56:20). The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Brian Barrett Guest: Michael Pina Producer: Jamie McClellan Additional Production Supervision: Steve Ceruti Learn more about your ad choices. Visit podcastchoices.com/adchoices

Friends of the Rosary,Today, the faithful celebrate the Memorial of St. Junípero Serra (1713-1784), the first Hispanic saint of the U.S.A native of Majorca, Spanish Franciscan friar Junípero Serra spread the Church and the Gospel along the Pacific Coast of the United States, founding 21 missions and converting thousands of Native Americans in the eighteenth century.The first mission founded was San Diego (1769). Other missions followed: Monterey/Carmel (1770); San Antonio and San Gabriel (1771); San Luis Obispo (1772); San Francisco and San Juan Capistrano (1776); Santa Clara (1777); San Buenaventura (1782). Twelve more were founded after his death.Junípero vigorously protected the Native Americans against Spain's colonial and military interests.He brought them not only the gift of faith but also a decent standard of living, winning their love.And because the Native Americans were living a nonhuman life, the friars were made their legal guardians.Fray Junípero Serra baptized over 6,000 people and confirmed 5,000.The “Apostle to California” died in Monterey at his favorite mission in 1784 and was canonized by Pope Francis on September 23, 2015.July is traditionally associated with the Precious Blood of Our Lord.Today, it is customary in some places to celebrate the votive Mass of the Precious Blood.Ave Maria!Jesus, I Trust In You!Come, Holy Spirit, come!To Jesus through Mary!Here I am, Lord; I come to do your will.Please give us the grace to respond with joy!+ Mikel Amigot w/ María Blanca | RosaryNetwork.com, New YorkEnhance your faith with the new Holy Rosary University app:Apple iOS | New! Android Google Play• ⁠July 1, 2025, Today's Rosary on YouTube | Daily broadcast at 7:30 pm ET

Drs. Jensen and Richey welcome Dr. Hoa Phan to Dean's Chat!  Today we are going to discuss fellowships, residency, the residency match, and the MP2 (the 2nd round match for those not matching the first round. This episode is sponsored by Bako Diagnostics! Dr. Phan graduated with a Bachelor of Science in Biochemistry from Temple University and subsequently earned his Doctor of Podiatric Medicine Degree from the Temple University School of Podiatric Medicine. ​ He completed his residency training at Cape Fear Valley Medical Center in Fayetteville North Carolina and was a member of the inaugural class.  He is currently a UT Health San Antonio Amputation Prevention and Research Fellow. His professional interest includes revisional foot and ankle surgery, utilization of external fixation, orthoplastic reconstruction and Charcot foot and ankle management.   Enjoy the discussion - pertinent for students, residents, and potential fellows!

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Today's shout-out goes to William Latham from San Antonio, TX. Thank you for believing in the power of God's Word. Your partnership with us through Project23 is anchoring people in truth. This one's for you. Our text today is Mark 9:14-29: And when they came to the disciples, they saw a great crowd around them, and scribes arguing with them. And immediately all the crowd, when they saw him, were greatly amazed and ran up to him and greeted him. And he asked them, “What are you arguing about with them?” And someone from the crowd answered him, “Teacher, I brought my son to you, for he has a spirit that makes him mute. And whenever it seizes him, it throws him down, and he foams and grinds his teeth and becomes rigid. So I asked your disciples to cast it out, and they were not able.” And he answered them, “O faithless generation, how long am I to be with you? How long am I to bear with you? Bring him to me.” And they brought the boy to him. And when the spirit saw him, immediately it convulsed the boy, and he fell on the ground and rolled about, foaming at the mouth. And Jesus asked his father, “How long has this been happening to him?” And he said, “From childhood. And it has often cast him into fire and into water, to destroy him. But if you can do anything, have compassion on us and help us.” And Jesus said to him, “‘If you can'! All things are possible for one who believes.” Immediately the father of the child cried out and said, “I believe; help my unbelief!” And when Jesus saw that a crowd came running together, he rebuked the unclean spirit, saying to it, “You mute and deaf spirit, I command you, come out of him and never enter him again.” And after crying out and convulsing him terribly, it came out, and the boy was like a corpse, so that most of them said, “He is dead.” But Jesus took him by the hand and lifted him up, and he arose. And when he had entered the house, his disciples asked him privately, “Why could we not cast it out?” And he said to them, “This kind cannot be driven out by anything but prayer.”— Mark 9:14-29 Jesus comes down the mountain and walks into chaos. His disciples are arguing. The scribes are accusing. A crowd has gathered. And in the middle of it all is a desperate father. He had brought his demon-possessed son for healing. But Jesus wasn't there. So he turned to the disciples. And they failed. The demon remained. The boy was still suffering. Then Jesus steps in. He sees the desperation and says, “Bring him to me.” The boy is thrown into a violent episode. Foam. Convulsions. Fear. The father pleads, “If you can do anything, have compassion on us.” Jesus answers with a gentle correction: “If you can? All things are possible for one who believes.” Then comes one of the most raw, vulnerable prayers in the Bible: “I believe; help my unbelief!” That's when everything changes. Jesus doesn't demand perfect faith. He responds to honest faith. He casts out the demon with a word. The boy looks dead. But Jesus lifts him up by the hand—and he rises. Later, the disciples ask the question we're all thinking: “Why couldn't we do it?” And Jesus answers simply: “This kind cannot be driven out by anything but prayer.” In other words, you tried to grip the situation—but you weren't holding on to me. There's a truth buried in this moment in both situations that we all need to hear. Faith isn't about the strength of your grip on God. It's about the strength of his grip on you. We try to hold it together. Grip tighter. Fix the situation. Speak the right words. Muster the right belief. But at the end of the day, we're not strong enough. That's why Jesus invites us to surrender, not to strive. He doesn't require perfect faith. He honors honest faith. He's not looking for your spiritual muscle. He's looking for your humility. So if your faith feels weak today—good. That's where grace meets you. Let go of the illusion that you need to have it all together. And trust that the hand holding you is stronger than the faith holding on, and pray an honest prayer today. #HeldByGrace, #FaithAndUnbelief, #Project23 ASK THIS: Are you gripping harder when Jesus is asking you to let go? Where do you need to admit your unbelief to God? How does knowing God's grip is stronger than yours change how you pray? What situation have you tried to control instead of surrendering? DO THIS: Pray the most honest prayer you can today—even if it includes doubt. Let God meet you in the weakness. PRAY THIS: Jesus, I'm trying to hold on—but I'm tired. Help me trust that your grip is stronger than mine. Amen. PLAY THIS: "He Will Hold Me Fast."

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Today's daf is sponsored by Gitta and David Neufeld in memory of Gitta’s father, Yosef ben Menachem Mendel v’Pesha a”h on his tenth yahrzeit. He cherished his family and Torah, and would be so proud of the generations following in his footsteps and adhering to his values and moral compass. וכתר שם טוב עולה על כולם Today's daf is sponsored by Harriet Hartman in memory of  Moshe Hartman, z’l, on his 6th yahrzeit. He continues to be missed dearly. He would delight in my learning, his children’s and his grandchildren’s learning, which we will honor with a family siyum on his yahrzeit. Today's daf is sponsored by Monica Steiner in honor of Rabbi David Abraham Kaplinsky, who begins his first pulpit in San Antonio, Texas today. May you find joy and strength in your work and community. I am so proud of you, David, and love you with all my heart. In an idolatrous city, one may purchase from stores that are not decorated for idolatry, but not from those that are adorned for such purposes. Rabbi Yochanan and Reish Lakish disagree about both the reason for this prohibition and its scope. Reish Lakish is concerned with decorations that have beautiful scents, as the Jews will benefit from idol worship. According to Rabbi Yochanan, the issue is because those stores pay tribute to the idols. A difficulty is raised against Reish Lakish's position. In resolving the difficulty, the difficulty is moved to Rabbi Yochanan's position, but is resolved as well. Items purchased in a forbidden manner are to be rendered useless. For animals, this means to cut off the hooves. A question is asked why this isn't forbidden on account of tzaar baalei hayim - mistreatment of animals? Why, in another context of sanctified items, is the penalty to close the animal in a room and let it die? What is the difference between the two cases? If an animal purchased from an idol worshipper needs to have its hooves cut off, does something similar need to be done to a gentile slave that is purchased? The Gemara brings a different source to prove that one is not allowed to cause physical damage to a slave. What items can one not sell to an idol worshipper as part of the prohibition to put a stumbling block in front of a blind person?

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews RIMS General Counsel and VP of External Affairs Mark Prysock about the RIMS Legislative Summit in March 2025, how it went, and what to expect next. Mark mentions the registrant participation records they set and the connections they made as they lobbied.   As Mark exits, Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine enter the studio to talk with Justin about the mid-year in risk and four Q2 articles in RIMS Risk Management magazine on tariffs, the 2025 hurricane season, the USDA budget cuts and food safety, and minimizing risk while using AI for innovation. After lessons from the articles, Hilary invites listeners to submit risk management articles to RIMS Risk Management magazine. If you publish in the magazine, what opportunities will that open for you?    Listen to learn more about the highlights of the first two quarters of 2025 and what to prepare for the rest of the year.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We've got three guests today. We'll get a RIMS legislative update from Mark Prysock, and we will look back at major risk management news from the first half of 2025 with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine. [:48] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [:58] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:16] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” RIMS members enjoy deep discounts! [1:31] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:42] If you tuned in to the recent episode featuring James Lam, you will know that he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [1:56] The inaugural summer course is completely sold out! We are filled to the virtual capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [2:15] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:38] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:47] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:01] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:14] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to register at RIMS.org/membership. [3:24] On with the show! Mark Prysock is the RIMS General Counsel and VP of External Affairs. It's always wonderful to have him on the show. [3:32] He is here to remind us of the RIMS legislative priorities, how they were addressed during the RIMS Legislative Summit in March, and what else we can expect in the way of public policies that RIMS would like to prevent and those we'd like to support. [3:46] There are lots of links in this episode's notes, as well, including ones to RISK PAC and an upcoming fundraiser. Let's get to it! [3:54] Interview! Mark Prysock, welcome back to RIMScast! [4:14] RIMS's top legislative or advocacy priorities for 2025 include opposing legislation on taxing non-profit associations. RIMS is working with other associations on this. The tax would have a significant impact on RIMS. [5:26] Another issue is the Freedom to Invest in Tomorrow's Workforce Act, which would allow individuals to use college savings 529 plans to pay for certifications like the RIMS-CRMP. It's a very popular issue in the association community. [5:55] Third-party litigation funding has become a very big issue, followed by nuclear verdicts. What can we do to stop that? That's an issue that's been growing in both the House and the Senate. RIMS is working within a broad coalition to address that issue. [6:14] RIMS believes, at a bare minimum, there needs to be disclosures when third-party litigation funding agreements are in place so that everyone understands who stands to benefit from a nuclear verdict. It's not the plaintiff. [6:37] The last issue is the National Flood Insurance Program. [7:01] Mark and his team spent Day 1 of the RIMS Legislative Summit in March prepping the registrants so they understood the ins and outs of the issues. They all received one-page leave-behind documents to take to the Congressional offices. [7:18] Panellists had talked to them about the issues. The registrants were prepped to be lobbyists on these issues. [7:30] On Day 2, the registrants went to the Hill and lobbied on behalf of RIMS. [7:39] There were over 60 registrants this year. That was a RIMS Legislative Summit record. They had around 100 Congressional meetings, also a RIMS Legislative Summit record. [8:15] Mark says holding the event at the U.S. Chamber of Commerce building is fantastic. It's a classic D.C. building that everyone knows. It's fairly close to Capitol Hill. You can get all the speakers you want to come and meet with your group there. It's perfect for the Summit. [8:49] A couple of years ago was the first time the Summit met at the Chamber building. Going back this year confirmed that it's going to be the new location for the Summit. Mark says it was an enriching experience for the attendees. [9:33] The Summit lobbyists focus on committees in both the House and Senate with jurisdiction over insurance. [9:47] The House Financial Services Committee has a Subcommittee on Housing and Insurance. Most of the legislation the Summit is concerned about comes from the House. [10:04] That Subcommittee has a new Chair, Congressman Mike Flood from Nebraska. The Summit has made inroads with his office and with other offices, too. [10:28] The Summit's focus is on establishing relationships with newer Congressional offices that are in a position to impact RIMS's legislative priorities. [10:52] Mark says, typically when we meet with a Member of Congress, it might be that we're talking to them because they're well-situated to talk to us about NFIP. [11:02] On other issues, we don't know that they necessarily align with us, but we know that with what we're trying to accomplish with the NFIP, they are going to be a great ally. That's our foot in the door to discuss other legislative issues. [11:24] Marks says the Summit is looking to establish long-term relationships with Members of Congress and educate them on the importance of different issues. [11:58] The RIMS Public Policy Committee will continue hammering on these issues for the remainder of 2025 and into 2026. The tax issues are likely to be resolved in RIMS's favor in the Omnibus tax bill Congress is wrestling with now. [12:18] The One Big Beautiful Bill does not include language for imposing new taxes on non-profits, but it does include the language about liberalizing the use of College 529 plans, which RIMS supports. Mark thinks that it will be wrapped up soon. [12:39] NFIP has been reauthorized through September 30th, the end of the Federal Government's Fiscal Year. There is legislation out there to reauthorize it for a longer period. The RIMS Public Policy Committee is talking with Members of Congress about that. [12:57] Third-party litigation funding is an issue to keep working on for the next couple of years. [13:04] The RIMS Public Policy Committee will be working closely with the RISK PAC Trustees to figure out how they can help to raise more money for the PAC. They have some ideas for things to do at RISKWORLD 2026 in Philadelphia. [13:22] They have a fundraising event in Philadelphia in the middle of July. They'll be sending out Calendar invites to the RIMS membership. 2026 will be an election year, so they want to raise as much money as they can for RISK PAC and the right re-election campaigns. [14:02] At RIMS.org/advocacy, you can see that the RIMS Legislative Summit 2026 will be held from March 16th through 18th. Mark is more excited than ever for next year's Summit! It's an election year. They've got the details nailed down. They'll be at the U.S. Chamber of Commerce. [14:53] They will have a hotel block nailed down soon. They'll start promoting this event far in advance. Mark your calendars, please! As you build your chapters next year, please include some money to send your Advocacy Ambassador to the Legislative Summit 2026 in March. [15:20] We've got the link in this episode's show notes and at RIMS.org/advocacy. You can reach out to Mark Prysock directly through his email address on the RIMS Advocacy page. Write to him if you have questions about what it takes to get there or how you can contribute. [15:43] As Morgan O'Rourke and Hilary Tuttle walk into the studio, Justin thanks Mark Prysock for being on the show. [16:04] Plugs! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [16:17] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [16:33] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [16:48] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [16:56] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in those favorable rates. We look forward to seeing you in Calgary! [17:15] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [17:31] Let's Get on with the Show! It is July 1st. We have reached the midpoint of 2025. On RIMScast, we like to take stock of the year in risk, so far. Morgan O'Rourke and Hilary Tuttle are going to break it all down for us. [17:54] Morgan O'Rourke is the RIMS Senior Director of Content and Publications. Hilary Tuttle is the Managing Editor of RIMS Risk Management magazine. That's our flagship, at RMmagazine.com. [18:07] We will look back on the Q2 digital issue of RIMS Risk Management magazine and discuss some of the news and trends that have been driving the risk profession. We'll talk about tariffs, AI, and more. Let's get to it! [18:23] Interview! Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [18:50] We are here to talk about the mid-point of 2025 in risk and what it has meant for the profession and the reporting on the profession. The Q2 digital issue of RIMS Risk Management magazine is now available. The link is on this page. [19:26] A big story from this quarter was tariff volatility. In April, Neil Hodge wrote a great article “How to Navigate the Volatile Tariff Landscape.” Many companies underestimate their exposure to tariffs through lower-tier suppliers. [20:06] Hilary says the number one tip is to map your exposure to tariffs via suppliers. Also, think about finished goods as well as what hypothetical future scenarios would mean. We've seen that tariffs are consistently volatile. Map different scenarios to see how they will play out. [20:43] In the article, Neil also mentions alternatives such as near-shoring, alternative suppliers, and technicalities about working within the system. Morgan mentions contract management. Another tip was tariff engineering by modifying your product design or where it's assembled. [21:35] Morgan shares an example. Converse All Stars have a layer of felt on the bottom, which classifies them as slippers, which have a lower tariff. They tweaked the product so it could be classified differently. Morgan just bought a new pair and saw the felt he had never noticed. [23:24] Morgan says certain auto imports may leave out features that would classify them as commercial vehicles, so they don't have a commercial vehicle duty. [24:08] Equipment that was bought before steel tariffs will be more expensive to repair after steel tariffs, and insurance that was in place before the tariffs may not cover the drastically more expensive repairs. This will affect heavy machinery. Revisit your insurance coverage. [25:06] Considering what major assets may be changing with tariff changes would be a helpful next step for people. Morgan refers to finding alternate suppliers or diversifying. If you're starting a new relationship with a supplier, tariffs need to be part of the contract conversation. [25:42] If tariffs are a risk you have not been accounting for in your supplier agreements, you may want to build more flexibility into future agreements.  [26:03] Justin mentions the 2025 hurricane season and accurate weather reporting. That relates to supply chain. Hilary includes replacement values, as materials cost more.  [26:33] Hilary wrote an article, “The 2025 Hurricane Season Outlook.” Hilary says it's interesting to tell similar stories every year in different ways. She looked at the outlook for this season and compared it to the results from last year. [27:35] She looked for the key trends that drove the results last year and that will impact this year. It's an outlook and also a strategic input. How does your organization need to adapt to this outlook? It's about seeing the overarching trends and figuring out how to act on them. [28:20] Hurricane Beryl came in the summer of 2024. It was one of the earliest major hurricanes to form. It reached Category 5 in 42 hours. What strategies should organizations take to address fast-developing storms? [28:43] Rapid intensification is a major trend with hurricanes. This is fueled by above-average ocean temperatures and other impacts of climate change. Storms are getting worse faster. The energy at the surface level contributes to faster-building hurricanes. Then there are trade winds. [29:09] It is a very big challenge for governments and private industry because you need to prepare much faster. You might only have a day of notice between a tropical storm and a Category 3 hurricane. [29:29] Preparedness is a state of being, not something you deal with if and when a storm arises. It needs to be a constant state of readiness. This year there have been significant budget cuts to NOAA and FEMA. This affects weather forecasting and the number of emergency staff. [30:22] Organizations need to understand that they need an increased amount of self-reliance. You cannot count on the cavalry coming. Preparedness means more than ever this year. [30:38] Morgan says it's less about coordinating with Federal agencies and more about making sure you have your ducks in a row. You may not have access to outside resources. You might be able to coordinate with other companies and organizations. Cooperation helps. [31:43] Hilary says, after last year, we saw with Hurricane Helene that some of these disasters are increasing and hitting in unpredictable areas that don't have the preparedness or the infrastructure because there is not a legacy sense of being at risk for hurricanes. [32:05] Preparedness is different in different regions. Taking an assessment, thinking about some of those scenarios is a strategic risk management issue that may need to shift in new ways. In some of those areas, you might not have local disaster resources because it has not been a risk. [32:38] Prepare by taking a realistic assessment of emergency resources on the ground, what has the historical risk been, and how that is shifting? [32:51] A Small Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [33:10] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [33:30] General Grant awardees are typically notified at the end of October. The link is in this interview's show notes. Be sure to visit the programs page of SpencerEd.org. [33:40] The Spencer 2025 Funding their Future Gala will be held Thursday, September 18th at the Cipriani 42nd Street in Manhattan, New York. This year's honoree is Tim Ryan, the U.S. President of Lockton, and we hope to have him here on RIMScast this summer. A link is in the show notes. [34:03] Let's Return to the Conclusion of My Interview with Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine! [34:55] Jennifer Post, one of the editors, wrote an article, “USDA Budget Cuts Present Food Safety Risks.” Budget cuts may increase the likelihood of an outbreak of foodborne diseases and compromise the USDA's ability to respond and notify consumers of an outbreak. [36:28] Hilary notes recent outbreaks with cucumbers and tomatoes, which have been deadlier than one might expect. The cucumber recall was for cucumbers that had been sold six weeks before. Hilary has never had a cucumber for more than two weeks. [37:11] Shifting responsibility to under-resourced states creates uneven safety standards. Private companies will have to incur some of the costs of testing and monitoring their food. Who is responsible for coordinating food safety between states or countries is a question mark.  [37:50] This is not a great solution. It's an area of uncertainty for now. It is likely to increase costs for individual companies. It also increases the risk exposure for companies that are distributing food that makes people sick, but they don't know it. [38:09] The number of people getting sick and the amount of money a company will lose balloon as a function of time and notice. There are a lot of components to this issue. [38:30] Hilary says we are also seeing some concern around whether some of the shifting standards are going to create different levels of safety in different types of products or from different regions. This shifts a lot of the burden onto the consumer and private companies. [38:42] Morgan adds that beyond the cuts to NOAA, FEMA, and the USDA, there are cuts to cybersecurity infrastructure with CISA. These cuts remove a level of oversight that people have come to rely on. The cuts push responsibility for risks further onto states and private industry. [39:26] Morgan says they were worried about the appetite for change in the government from the Trump administration. The administration is making changes. Some of the fallout is that it has changed the risk landscape regarding storm damage, food safety, cybersecurity, and more. [39:46] You may have to reassess your risks in the light of these cuts to Federal agencies. Hilary points out that the cuts are not fluff when you realize the functions these agencies have. [40:21] Hilary quotes a food safety professor from the article. “Oversight is not a bureaucratic formality; it's the invisible line between routine production and preventable tragedy.” Hilary thinks that quote applies across a number of the cuts that have been made. [40:39] The magazine has an article on AI called “Balancing Innovation and Compliance When Implementing AI.” Morgan reports that AI is all over the place now. The conversation has to involve implementation issues and liability risks. AI hallucinations and data security are issues. [42:03] You need to have a level of human intervention and involvement to be looking for things that you might have taken for granted are true, but that are problematic or make you liable for something. [42:17] Hilary says another big issue is that the technology is drastically outpacing regulation, safety measures, and best practices. You need to be asking, “What do we have a defensible business reason to do, and what are we putting in place to safeguard those?” [42:44] Some of the AI applications around hiring incur very real consequences in terms of human impact and regulatory impact. You may be dealing with serious employment fines or other things of that nature that regulators will catch up on. [43:06] AI systems are designed to please you. They are not designed to do the right thing or to make intelligent choices. They guide a user, and the user needs to guide them. Hilary compares using AI to riding an elephant. The elephant can go where it wants to go; you need to control it. [43:55] Hilary says that a lot of these AI engines perpetuate bias that the people who developed them may or may not have or may not realize that they have. A large company for a while only hired white men because those were the people who had been successfully hired in the past. [44:20] The content online that trains these models is the content that is published online. It requires a certain amount of privilege, experience, education, and life perspective. It doesn't draw on the body of human experience and knowledge for representative bodies. [44:49] You have to bring a certain diversity of experience, and also check those inputs with either people or other sources. Morgan talks about the feeling you might get that something like an email was written by an AI. The homogeneity starts to erode the quality of things. [45:27] Morgan has read that one of ChatGPT's quirks is that a lot of responses will have a “not this but that” structure. For instance, “It's not just soup, it's a meal!” Once you see it, you start to see it everywhere. Hilary says a giveaway is the use of inserted emojis. [46:32] Morgan and Hilary have been editing for quite a while. Morgan can identify who wrote a piece of writing by its style. If you get an email from someone with turns of phrase they would never use, you know it's AI. Losing track of what's going on is not to your advantage. [47:26] Having AI write an email is an example of something that just because you can do it, doesn't mean you should do it. Should you be working in an environment in which you don't know how to interact functionally with your coworkers, the length of an email? [48:13] Engineering prompts are one of the biggest skills people need to learn in working with AI. Prompt engineering is the most important component that Hilary had to struggle to learn in an AI course she took. It makes the biggest difference to AI being usable. Take a prompt class. [49:05] Justin shares an experience he had using AI to make an email response he had written much shorter and less defensive. It wasn't perfect, but it helped him to revise his message. [49:47] Hilary said that Justin gave a great example of prompt engineering. You want to tell it who the recipient is, who you are, and what your specific concern is to address. You can also ask it to explain the changes that it makes, so you learn how to write better emails next time. [50:43] Hilary urges caution on choosing the platform. ChatGPT is decent for writing because you can prime it. You can't prime Copilot, and she says a lot of the results are garbage.  [51:46] The Q2 edition of RIMS Risk Management magazine is online. All the articles are on the site as links and as part of the digital edition. [51:56] A reminder to the audience: RIMS Risk Management magazine is always seeking contributors and contributions, primarily from the risk profession. The topics that are important to you are the topics that are important to your colleagues. Get your voices out there! [52:37] A good submission answers two questions: Why this? And why now? Why should other people care about this issue? New regulations? New fines? A recent court case? Is there a nuance you are highlighting? Another question is, so what? What do you do about it? [53:28] Justin offers, How will the audience be able to do their job better based on the information you're telling them? Morgan comments that the idea is risk management. You want to get to the management part of it so your organization can do something about it. [53:58] Go to RMMagazine.com and see the Contribute button at the top. That's where you'll find the editorial submission guidelines and the contact information for Morgan, Hilary, and Jennifer. They are open to your ideas, so by all means, reach out. You never know what it could lead to! [54:58] Hilary says they also welcome feedback on their existing coverage and the challenges you are seeing in the field. [55:27] Hilary and Morgan are going to rejoin us at the end of the year. We always close the year with an episode when they look back on the year and forward to the next. [56:01] Special thanks to my RIMS colleagues Mark Prysock, Morgan O'Rourke, and Hilary Tuttle for joining us here on RIMScast! Visit RIMS.org/advocacy to connect with Mark, and RMMagazine.com to connect with Morgan and Hilary, and get the latest risk news and insight. [56:23] Links are in this episode's show notes, including a link to the Contribute page on RMMagazine.com. [56:29] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [56:57] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [57:15] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [57:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [57:49] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [68:04] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [58:11] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS-CRMP In-Person Workshop in Texas Aug. 6 & 7 RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute “How to Navigate Tariff Volatility” (April 3, 2025) “2025 Hurricane Season Outlook” (June 9, 2025) “USDA Budget Cuts Present Food Safety Risks” (May 21, 2025) “Balancing Innovation and Compliance When Implementing AI” (April 30, 2025) RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] “RIMS-CRO Certificate in Advanced Enterprise Risk Management” — Featuring Instructor James Lam! Summer course sold out! | Fall bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 RIMS-CRMP Exam Prep Virtual Workshop — Sept 2‒3, 2025 | Presented by RIMS and PARIMA Full RIMS-CRMP Prep Course Schedule “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “RIMS Legislative Priorities in 2025 with Mark Prysock” “Q1 2025 Risks with Morgan O'Rourke”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Mark Prysock, General Counsel at Risk and Insurance Management Society, Inc. (RIMS) Morgan O'Rourke, Director of Publications at RIMS Hilary Tuttle, Managing Editor of Risk Management Magazine   Production and engineering provided by Podfly.  

Stories we're following this morning at Progress Texas:Donald Trump's continued press to establish an authoritarian regime, supported by his stacked Supreme Court, gives progressives all the more reason to rise and resist: https://www.nytimes.com/2025/06/28/us/supreme-court-trump-victories.html...The Trump tax bill, on the verge of passing the Senate, provide even more reason for working Americans to make their opposition known: https://apnews.com/article/senate-bill-trump-tax-breaks-spending-cuts-549c2fdd47c1965007282b8461687bc9...Seeing that opposing Trump is a fatal mistake for Senate Republicans, and living in fatal fear of a Ken Paxton primary, John Cornyn is now sucking up to the President with whom he has up till now maintained distance: https://www.texastribune.org/2025/06/30/john-cornyn-senate-texas-primary-republicans-trump-paxton/...Who will the Democrats put up for Senate? Beto O'Rourke, James Talarico, Joaquin Castro and more gathered Friday night in San Antonio: https://www.tpr.org/government-politics/2025-06-29/who-will-texas-democrats-pick-to-be-their-nominee-to-run-for-u-s-senator...GOP toxicity in both D.C. and Texas are giving Dems hope for '26: https://www.washingtonpost.com/politics/2025/06/30/why-democrats-are-excited-about-texas-real-this-time/...Governor Greg Abbott and Senator Ted Cruz find themselves in an endorsement battle in the race for Texas Comptroller: https://www.dallasnews.com/news/politics/2025/06/30/hard-fought-2026-gop-primaries-could-reshuffle-texas-politics/...Fort Worth State Rep. Nate Schatzline, just days after declaring a run for the Texas Senate, chickens out when a Patriot Mobile executive declares for the same seat: https://www.star-telegram.com/news/politics-government/state-politics/article309578670.htmlA capital murder charge brought against a North Texas man accused of slipping abortion-inducing drugs to his pregnant girlfriend represents a new move by anti-abortion activists to establish fetal personhood: https://www.texastribune.org/2025/06/30/texas-abortion-pill-capital-murder-charge-fetal-personhood/The merch to match your progressive values awaits at our web store! Goodies at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://store.progresstexas.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Thanks for listening! Find our web store and other ways to support our important work at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://progresstexas.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Sam and Ben review their recent trips to Frisco, Knoxville and San Antonio and bring along interviews with Missions manager Luke Montz and Smokies president Chris Allen To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The news of Texas covered today includes:Our Lone Star story of the day: Big U.S. Supreme Court and Texas Supreme Court ruling, as well as from other courts that involve Texas cases or affect Texas greatly. Supreme Court sides with Trump administration on nationwide injunctions in birthright citizenship case -good ruling Court decides against Planned Parenthood in Medicaid case – good ruling Supreme Court Rules on Parents' Religious Freedom in LGBTQ School Book Opt-Out Case – good ruling Court rules in favor of Texas death row inmate – bad ruling US Supreme Court Preserves Key Element of Obamacare Preventive Care – bad ruling Texas' age verification law for porn upheld by U.S. Supreme Court, more – good ruling Texas Can Use Blocked Investigation Tool, Fifth Circuit Finds – probably a good ruling Texas Supreme Court allows church to challenge SMU split – good ruling Texas governor, AG exempt from mandamus writs – good ruling Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Oil and gas rig countsteady this week.Boeing's big problems in San Antonio continue but new leadership is coming in for the Air Force One project. Meanwhile in Fort Worth: Aircraft maintenance company to invest $120M, add 1,200 jobs at Alliance.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates. www.PrattonTexas.com

Mike and Alec break down the NBA Draft for former Rutgers' players Dylan Harper and Ace Bailey, their landing spots and fits on their new teams. Alec also discusses what it was like to be at the draft in person

This week on bigcitysmalltown, we look at the evolving landscape of professional soccer in San Antonio, focusing on San Antonio FC and their role in building international connections through sport.Host Bob Rivard and Co-Host Cory Ames are joined in the studio by Marco Ferruzzi, San Antonio FC Sporting Director, and Jose Lizardo, Director of Toyota Field and Star Soccer Complex. Together, they discuss San Antonio FC's decade-long growth, the challenges of operating within the USL Championship, and what the club's new partnerships with teams in Darmstadt, Germany, and Las Palmas, Spain, mean for local fans and the city's global profile.They examine:The origins and community-driven mission of San Antonio FCThe practical and cultural complexities of organizing international friendliesWhat San Antonio can learn from its European sister clubs—and vice versaHow the USL compares to other leagues, and the future of promotion and relegation in U.S. soccerThe club's commitment to youth development, accessibility, and community outreachThe ongoing effort to grow local attendance and build a sustainable soccer culture in San AntonioWith thoughtful conversation on the business, technical, and civic aspects of professional soccer, this episode offers insight into where the sport is headed in the city and what it means for San Antonio's place on the international stage.RECOMMENDED NEXT LISTEN:▶️ #126. Mayor Ron Nirenberg on 8 Years of Progress—and What Comes Next for San Antonio – As Mayor Ron Nirenberg prepares to leave office, he joins host Bob Rivard to reflect on San Antonio's biggest achievements and ongoing challenges, from affordable housing and workforce development to climate action and civic leadership. Discover how vision, resilience, and community engagement have shaped the city's evolution—and what lies ahead for its future.-- -- CONNECT

What a season it's been! From cheering on the sidelines to celebrating career wins, this season of BirdsUp was all about spotlighting the incredible people who make Roadrunner Nation so special.We had an absolute blast sitting down with an amazing lineup—from UTSA coaches who are building champions on and off the field, to alumni who are movers, shakers, and trailblazers in San Antonio and beyond. Each conversation reminded us that being a Roadrunner isn't just about where you went to school — it's about the community, the grit, the hustle, and the heart.As we wrap up this season, we want to send a huge THANK YOU to all our guests and to every listener who tuned in, shared an episode, and celebrated this journey with us. Roadrunner Nation is a family like no other, and we are so proud to share these stories of bold beginnings, big wins, and unstoppable spirit.Stick with us — we'll be back with even more incredible conversations next season. Until then... BirdsUp!

This episode of the Only Business Podcast asks a question most entrepreneurs avoid: Do you like yourself? We explore how self-perception quietly shapes pricing, leadership, boundaries, decision making, and long term business health. If you have been feeling stuck, scattered, or disconnected from your work, this episode will help you reconnect with the person behind the business and build from a stronger foundation.

Stories we're following this morning at Progress Texas:Current and former aides to Attorney General Ken Paxton are in an all-out and tawdry legal battle over alleged obstruction during Paxton's 2023 impeachment, threatening to become a sideshow for Paxton's expected run for Senate next year: https://www.texastribune.org/2025/06/26/ken-paxton-impeachment-witness-tampering-former-employees/?_bhlid=1ce16d89f9b2653aa078b30c686107bc7fce03c7...Top Democrats are lining up to face Paxton next year, as Congressman Joaquin Castro, former Congressmen Colin Allred and Beto O'Rourke, and Austin State Rep. James Talarico have begun talks to discuss the plan: https://www.dallasnews.com/news/politics/2025/06/26/democrats-allred-castro-orourke-talarico-meet-to-discuss-2026-options/...O'Rourke, Talarico and Castro will all speak tonight at a Powered By People event in San Antonio: https://www.mobilize.us/poweredxpeople/event/798485/Tarrant County Republican Party chairman Bo French, once again, displays his childish bigotry online - when will Fort Worth area Republicans tire of his embarrassing antics? https://www.sacurrent.com/news/north-texas-republican-party-shares-online-poll-asking-whether-jews-or-muslims-are-bigger-threat-37841913The Trump administration is expanding its military footprint in Texas, endangering the right of Texans to enjoy outdoor spaces near the border: https://www.texastribune.org/2025/06/26/texas-military-zone-expansion-illegal-immigration/...The Posse Comitatus Act is now being significantly strained in the Texas borderlands: https://www.npr.org/2025/05/06/g-s1-63778/military-border-zone-posse-comitatus-explainedSocial Security is NOT doomed to insolvency - it could be made solid if the top 6% of American earners paid in the same rate as the rest of us: https://www.forbes.com/sites/eriksherman/2025/06/24/social-security-faces-cuts-even-though-theres-a-fix-for-its-problems/The merch to match your progressive values awaits at our web store! Goodies at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://store.progresstexas.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Thanks for listening! Find our web store and other ways to support our important work at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://progresstexas.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Trey Ware is an inductee into both the Texas Radio Hall of Fame and the San Antonio Radio Hall of Fame. Trey Ware is one of San Antonio's and Texas' most well-known radio and television personalities

The 1st round of the NBA draft is OVER and it's time for Gary Parrish and Matt Norlander to react to all of it. 00:00 - Start 02:04 - Ace Bailey DROPS to Utah 09:35 - San Antonio killed the draft 24:49 - Cedric Coward to the Grizzlies 31:11 - New Orleans Big Blunder 37:27 - Hansen Yang and the Portland Trailblazers 42:26 - Jakucionis FALLS to the Heat

June 26th, 2025 - We welcome back Brent Haynes to discuss the NYC mayoral race and Democrat candidate Zohran Mamdani. Then we're joined again by Michael Hichborn with more on the dissident Association of United States Catholic Priests. Includes the full Aftershow conversation. TheStationOfTheCross.com/ACT  

Columnist Mike Finger and beat writers Jeff McDonald and Tom Orsborn discuss the Spurs' draft selections of Dylan Harper and Carter Bryant, explain why they drew a line in the sand on the Kevin Durant trade talks, and look at which free-agent targets might be on their way to San Antonio in July. Suggested reading: Spurs strike gold in Dylan Harper and Carter Bryant Five things to know about Dylan Harper Spurs won't give up future for Kevin Durant trade Catch us everywhere:  More episodes: https://www.expressnews.com/projects/podcasts/spurs-insider/ Spurs Nation Newsletter: https://www.expressnews.com/newsletters/spurs-nation/ Finger on X (Twitter): https://twitter.com/mikefinger Become a subscriber: exne.ws/sub Learn more about your ad choices. Visit megaphone.fm/adchoices

Text the JudgeJoin Judge Ron Rangel and Bexar County DA gang investigator Anthony Rodriguez—in this first of a riveting two-part episode—as they detail the vital role that DA investigators play in solving crimes, including one of San Antonio's most infamous: the so called “BBQ Murder” case.Support the show

This series of Voices of Student Success focuses on adult learners in higher education, the various challenges they face and successful support mechanisms to aid their retention and completion.   Over 820,000 undergraduates are connected to the U.S. military, including those who are actively serving or enlisted in the National Guard,  former service members and spouses or dependents of military servicemembers.  The University of Texas at San Antonio, located in Military City USA, serves over 5,000 military-affiliated students, including veterans, service members and their families, in a region that has the largest concentration of military bases in the country.  In this episode, Michael Logan, UTSA's senior director for veteran and military affairs and U.S. Marine Corps veteran, discusses how his institution supports military-affiliated students through their transition into higher ed and the role of community in student veteran retention.   Hosted by Inside Higher Ed Student Success Reporter Ashley Mowreader, this episode is sponsored by Grammarly.   Read a transcript of the podcast here. 

Trey Ware is an inductee into both the Texas Radio Hall of Fame and the San Antonio Radio Hall of Fame. Trey Ware is one of San Antonio's and Texas' most well-known radio and television personalities

Wednesday, June 25th, 2025Today, former DoJ lawyer Erez Reuveni issues a bombshell whistleblower account of Emil Bove's intentional defiance of court orders on the eve of his judicial confirmation hearing; US intelligence assessments indicate that Iran's nuclear sites were not destroyed and they can be back up and running in a few months; Florida is paving over the Everglades to build its own concentration camp; a federal judge has blocked Trump's termination of University of California research grants; the Senate parliamentarian nixes the public lands selloff in the Billionaire Bailout Bill; four tech execs are sworn in as lieutenant colonels in the Army; Senator Lisa Murkowski signals she may turn Independent and caucus with Democrats; House Dems choose youth over seniority in the House Oversight ranking member election; and Allison delivers your Good News.Thank You, DeleteMeGet 20% off your DeleteMe plan when you go to joindeleteme.com/DAILYBEANS and use promo code DAILYBEANS at checkout. Thank You, Daily LookFor 50% off your order, head to DailyLook.com and use code DAILYBEANS. Thank You, CBDistilleryUse promo code DAILYBEANS at CBDistillery.com for 25% off your purchase.  Specific product availability depends on individual state regulations.Check out Dana's social media campaign highlighting LGBTQ+ heroes every day during Pride Month -  Dana Goldberg (@dgcomedy.bsky.social)Guest: Martha BarnetteFriends with Words Adventures in Languageland - book by Martha BarnetteMarthaBarnette.comA Way with Words Podcast@marthabarnette - BlueSky, Martha Barnette (@martha.barnette) - Instagram, MarthaBarnette - twitterStoriesStrike Set Back Iran's Nuclear Program by Only a Few Months, U.S. Report Says | The New York TimesLive updates: Trump lashes out at Israel and Iran amid accusations of ceasefire violations | NBC NewsWhat Big Tech's Band of Execs Will Do in the Army | WIREDFlorida Builds ‘Alligator Alcatraz' Detention Center for Migrants in Everglades | The New York TimesHouse Democrats Elect Robert Garcia for Top Oversight Post | The New York TimesJudge blocks Trump's termination of UC research grants | Courthouse News ServiceMurkowski suggests she could become an Independent in the right circumstance - Live Updates | POLITICOGOP budget bill could threaten public lands, conservation groups voice opposition | NBC MontanaFrom The Good Newsuncomplicatedkitchen.org'No Kings' Protests see thousands in San Antonio area speak out, joining national movementGay Men's Chorus Of Washington, DCPotomac Fever (@potomac.fever) -  Instagram‘Get ready to sweat!' The animal mega-marathon stampeding from the Congo to the Arctic | Stage | The GuardianBe Biscuit's Hero - AZ Humane SocietyStar 67 - The Daily Beans - Apple PodcastsReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good TroubleMSW Good News and Good Trouble Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, BlueSky|@muellershewrote , Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, Twitter|@MuellerSheWrote,Dana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

INTRO (00:23): Kathleen opens the show drinking a Daytime Crisp Session IPA from Lagunitas Brewing Company. She reviews her weekend in Palm Springs and looks forward to the July 4th holiday week.    TOUR NEWS: See Kathleen live on her “Day Drinking Tour.”   COURT NEWS (17:21): Kathleen shares news announcing Dolly Parton's limited residency in Vegas, Mattress Mack walks out with Morgan Wallen at Wallen's Houston show,    TASTING MENU (1:52): Kathleen samples Lowcountry Mustard BBQ Kettle Chips and Ritz Hot Honey crackers.    UPDATES (28:22): Kathleen shares updates on Black Sabbath's final concert being live streamed from Birmingham UK, Lori Daybell is convicted on more murder charges, climate activists splash paint on a Picasso in Montreal to protest Canadian wildfires, Mobland is renewed for another season,    HOLY SHIT THEY FOUND IT (41:53): Kathleen reveals that Canadian lynx kittens have been found in Northern Washington for the first time in 40 years.    FRONT PAGE PUB NEWS (48:07) : Kathleen shares articles on Florida Panthers head coach Paul Maurice showing that he's a cat dad, the Dallas Cowboys Cheerleaders get a 400% raise, a study says daytime naps slow brain aging by up to 6.5 years, a hotel in China uses red pandas to wake up guests, the NFL now has 12 female owners, Pablo Escobar's jet is now an Airbnb, FedEx founder Fred Smith rescued the company playing blackjack, Shakira cancels her San Antonio concert, 10 restaurant chains have the happiest workers, there's a massive problem with Bluesky, and LSU crushes Rocco's Jello Shot Challenge competition at the College World Series.    STUPID TOURIST STORIES (45:19): Kathleen reads about the Louvre revealing that they are implementing new additional fees to see the Mona Lisa due to overtourism.    SAINT OF THE WEEK (1:09:08): Kathleen reads about Saint Padre Pio.    WHAT ARE WE WATCHING (25:58): Kathleen recommends “Trainwreck: The Mayor of Mayhem” on Netflix.  FEEL GOOD STORY (1:03:27): Kathleen reads about a cat surviving a 3-week trip from China to Minnesota in a shipping container. 

John's Tonight Night Show Experience, being reposted by Trump, cargo pockets, armed DoorDash driver, and cemetery speculation… On the net, it's a positive. ----- JOKES FOR HUMANS TOUR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://johncristcomedy.com/tour/⁠⁠⁠⁠⁠⁠⁠⁠⁠ 9/19 - Grand Rapids, MI 9/20 - Fort Wayne, IN 9/21 - Paducah, KY 9/26 - North Charleston, SC 9/27 - Macon, GA 9/28 - Hiawassee, GA 10/2 - Evansville, IN 10/3 - Dayton, OH 10/4 - Peoria, IL 10/10 - Knoxville, TN 10/11 - Greenville, SC 10/16 - York, PA 10/17 - Detroit, MI 10/18 - Cleveland, OH 10/24 - Birmingham, AL 10/25 - Chattanooga, TN 11/7 - Boise, ID 11/8 - Spokane, WA 11/9 - Tacoma, WA 11/20 - Abilene, TX 11/21 - San Antonio, TX 11/22 - Tyler, TX 11/23 - Austin, TX 12/5 - Phoenix, AZ 12/6 - Santa Rosa, CA 12/7 - Redding, CA 12/11 - South Bend, IN 12/12 - Munhall, PA 12/14 - Buffalo, NY ----- Catch the full video podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow us on social media (⁠⁠⁠⁠⁠⁠⁠⁠⁠@netpositivepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠) for clips, bonus content, and updates throughout the week. ----- Email us at netpositive@johncristcomedy.com ----- FOLLOW JOHN ON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----- SUPPORT OUR SPONSORS ROCKET MONEY: Stop wasting money on things you don't use. Cancel your unwanted subscriptions – and manage your money the easy way – by going to https://RocketMoney.com/netpositiveMIRACLE MADE: Save OVER 40% + 3 free towels with promo code NETPOSITIVE at https://trymiracle.com/NETPOSITIVEHELLO FRESH: Get 10 FREE MEALS AND A HIGH-PROTEIN ITEM FOR LIFE with promo code NETPOSITIVE10FM at https://hellofresh.com/NETPOSITIVE10FM ----- PRODUCED BY: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Alex Lagos⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠Lagos Creative

Support the sponsors to support the show! Give your closet a breath of fresh air for spring. Go to MackWeldon.com and get 25% off your first order of $125 or more, with promo code DAN. That's MackWeldon.com promo code DAN. https://mackweldon.com/ For a limited time only, new Cash App users can use our exclusive code to earn some additional cash. Just download Cash App & sign up! Use our exclusive referral code SODER10 in your profile, send $5 to a friend within 14 days, and you'll get $10 dropped right into your account. Terms apply. That's Money. That's Cash App. Download Cash App Today: [https://capl.onelink.me/vFut/wdild9do] #CashAppPod *Referral Reward Disclaimer: As a Cash App partner, I may earn a commission when you sign up for a Cash App account. The Golden Retriever of Comedy Tour is coming to your city! Get tickets at https://www.dansoder.com/tour July 18-19 - Virginia Beach,VA Aug 1-2 - Portland, ME Aug 15 - Wilmington,NC Sep 5-6 - Phoenix,AZ Sep 25 - Los Angeles, CA Sep 25 Los Angeles, CA Sep 26 Seattle, WA Sep 27 Portland, OR OCT 3 Tucson, AZ Oct 4 Denver, CO Oct 9 Knoxville, TN OCT 10 Atlanta, GA Oct 11 Louisville, KY Oct 24 Providence, RI OCT 25 Nashville, TN NOV 7 San Antonio, TX NOV 8 Austin, TX NOV 13 Iowa City, IA Nov 14 Minneapolis, MN NOV 15 Madison, WI NOV 21 Kansas City, MO NOV 22 St. Louis, MO DEC 5 Vancouver, BC DEC 6 Eugene, OR DEC 12 Columbus, OH DEC 13 Royal Oak, MI Follow Steph Tolev https://www.instagram.com/stephtolev/?hl=en https://www.youtube.com/@Steph_Tolev PLEASE Drop us a rating on iTunes and subscribe to the show to help us grow. https://podcasts.apple.com/us/podcast/soder/id1716617572 Connect with DAN Twitter: https://Twitter.com/dansoder Instagram: https://www.instagram.com/dansoder Tiktok: https://www.tiktok.com/@dansodercomedy Facebook: https://www.facebook.com/dansoder Youtube: http://www.youtube.com/@dansoder.comedy #dansoder #standup #comedy #entertainment #podcast Produced by  Mike Lavin   @homelesspimp   https://www.instagram.com/thehomelesspimp/?hl=en

Real estate deal flow is back but is it better? With inboxes full of syndications boasting high returns and “rare” opportunities, passive investors are under more pressure than ever to separate substance from spin. In this episode of Dig In or Delete, Jim Pfeifer and Paul Shannon return to scrutinize real deals sent straight to their inboxes, highlighting red flags, potential gems, and everything in between. From a 9-unit Seattle multifamily deal with fuzzy cap rate math to a BJ's Brewhouse ground lease next to a dying mall, Jim and Paul weigh in on market dynamics, underwriting red flags, and sponsor credibility. You'll hear honest, in-the-moment reactions to deals in Dallas, San Antonio, Louisiana, and more, including a ground-up development next to a new minor league baseball stadium. No hypotheticals. No softballs. Just seasoned investors making real-time calls on actual opportunities. Plus, stick around as Jim and Paul reveal which marketing tactics instantly make them hit “delete” and which details get them to take a second look. Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast. Takeaways: Why cap rate discrepancies can be a dealbreaker The risk of “one-restaurant” triple net leases When development next to a baseball stadium might make sense How aggressive return projections can backfire in a pitch The red flags that come with blind pool funds and asset class hopping Why local insight trumps national data in real estate investing What to ask when a sponsor promises high returns on a stabilized deal

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. 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So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866. To learn about freedom. Family investments, liquidity fund again. Text family to 66866   Naresh Vissa  33:25   this is GRE real estate investment coach. Naresh Vissa listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  33:32   Welcome back to get worse education. We're talking with seasoned investor Ken McElroy, and he's also been one of the most recurrent guests here on the show. He's just consistently got some of the very best perspectives in the entire nation on the real estate market. And Ken the Fred data, which pulls their numbers from Kay Shiller, it shows that the value of a mid tier single family home in Phoenix, Metro wide, has basically been flat for the last year and a half. I know your wife, Daniil, deals with single family rentals there in Phoenix. Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  52:22   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text GRE TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

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