Podcasts about Senior

2nd hour of the G-Bag Nation: Senior NHL Writer at ESPN Greg Wyshynski joins the Nation; CNOTE: Cowboys News of the Evening; Crusty's Corner: Broaddus takes a look at the Panthers Offense full 2326 Thu, 09 Oct 2025 00:04:26 +0000 MaQy9bHU5e3WL5LxVTa1JHFXe9tbUsMj sports GBag Nation sports 2nd hour of the G-Bag Nation: Senior NHL Writer at ESPN Greg Wyshynski joins the Nation; CNOTE: Cowboys News of the Evening; Crusty's Corner: Broaddus takes a look at the Panthers Offense The G-Bag Nation - Weekdays 10am-3pm 2024 © 2021 Audacy, Inc.

Senior NHL Writer at ESPN Greg Wyshynski joins the Nation to talk Stars Hockey full 1106 Thu, 09 Oct 2025 00:21:30 +0000 XH1jXXcUHg4yjhMaQhJip0oWZY7aGKVu nhl,dallas stars,sports GBag Nation nhl,dallas stars,sports Senior NHL Writer at ESPN Greg Wyshynski joins the Nation to talk Stars Hockey The G-Bag Nation - Weekdays 10am-3pm 2024 © 2021 Audacy, Inc. Sports False https://player

Sami assesses the long term viability of AI with Pablo Curell, software developer at Recovr (https://www.recovr.eu/en), as they break down the hype and logistics that surround the popular tool. The pair examine why it's still important you learn to code, what AI's best use cases are now and what they could be in the future, what a successful AI product actually looks like on the back end, as well as the ever growing and unsustainable economics behind AI tokens. — Read the article mentioned in this week's episode - The Case Against Generative AI (https://www.wheresyoured.at/the-case-against-generative-ai/?ref=ed-zitrons-wheres-your-ed-at-newsletter&attribution_id=68d5b5a4ba9b3e00014d8ab5&attribution_type=post) Check out Pablo's podcast A Junior, A Senior and I (https://aji.podbean.com/) for similar discussions and perspectives on the world of tech, or follow him on social media - LinkedIn (https://www.linkedin.com/in/pablocm90/) - Mastodon (https://hostux.social/@pacumo) - Website (https://blog.codemanship.dev) Your host for this episode has been Sami Birnbaum. Sami can be found through his website (https://samibirnbaum.com) or via LinkedIn (https://www.linkedin.com/in/samibirnbaum/). If you would like to support the show, head over to our GitHub page (https://github.com/sponsors/thoughtbot), or check out our website (https://podcast.thoughtbot.com). Got a question or comment about the show? Why not write to our hosts: hosts@giantrobots.fm This has been a thoughtbot (https://thoughtbot.com/) podcast. Stay up to date by following us on social media - LinkedIn (https://www.linkedin.com/company/150727/) - Mastodon (https://thoughtbot.social/@thoughtbot) - YouTube (https://www.youtube.com/thoughtbotvideo) - Bluesky (https://bsky.app/profile/thoughtbot.com) © 2025 thoughtbot, inc.

Stanford Football is back in action this week at SMU! Andrew Luck Director of Offense & Tight Ends Coach Nate Byham joins the show to assess the Cardinal offense five games into the season and preview the matchup with the Mustangs. Meanwhile, in a wild season around men's college soccer, Stanford is back atop the polls. Senior midfielder Fletcher Bank tells how the Cardinal can stay there, and how it has won so many close games. Plus, 3 Things you need to know around The Farm!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On Wednesday's Daily Clone, Jake Brend reports from Iowa State Men's Basketball Media Day on how T.J. Otzelberger doesn't want Tamin Lipsey's career coming to an end. Lipsey explains how he's mentoring the young guards in his injury absence and the team talks about the importance of their daily team meals. Presented by Fareway Meat & Grocery in the Northwest Bank Studios. Learn more about your ad choices. Visit megaphone.fm/adchoices

Imagine the impact of climate change is irreversible, and decades of flooding, famine, pandemics and war have upended life on earth. That world is explored in Ian McEwan's new novel, “What We Can Know.” Senior arts correspondent Jeffrey Brown sat down with the Booker Prize-winning novelist for our arts and culture series, CANVAS. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Eswatini accepts 10 more US deportees, despite rights groups in the southern African state mounting legal action to block the plan. We ask what has the Eswatini government got in return?Nigeria's Minister of Innovation, Science and Technology, Uche Nnaj, resigns after allegations that he forged his academic credentials.And nurses and midwives protest in Ghana for not being paid their salaries for nearly ten monthsPresenter: Nyasha Michelle Producers: Mark Wilberforce, Patricia Whitehorne, Alfonso Daniels, Senior producer: Sunita Nahar Technical Producer: Nick Randell Editors: Alice Muthengi and Andre Lombard

The Keith Urban and Nicole Kidman saga continues. Is his 25-year old guitarist at the center of it? Here's everything we know. JLo and Ben Affleck were spotted on a red carpet together. Is parenting a boy actually easier than a girl? Men are more likely to say they have a “one that got away.” Maybe he shouldn't have cheated on her! Senior citizens are getting in on the action. Fingers crossed Matty can find a woman that meets this NEW qualification.

Mark Sanchez, former NFL quarterback, woke up in the hospital after being stabbed in a drunk altercation. Dick Van Dyke is only 2 months away from 100, but he doesn't know what he did right. The Ozzy Osbourne special is now streaming on Paramount. It's National Taco Day - what would ruin your taco Tuesday? Plus, pregnancy superstitions! The Keith Urban and Nicole Kidman saga continues. Is his 25-year old guitarist at the center of it? Here's everything we know. JLo and Ben Affleck were spotted on a red carpet together. Is parenting a boy actually easier than a girl? Men are more likely to say they have a “one that got away.” Maybe he shouldn't have cheated on her! Senior citizens are getting in on the action. Fingers crossed Matty can find a woman that meets this NEW qualification. Taylor Swift's PR team is working overtime, but did Brittany Mahomes get a personal handwritten note? The gang is speculating about whether Taylor Swift will change her name after marrying Travis Kelce. Plus: The truth about the Super Bowl. Is dry cleaning worth the hassle? A dad accidentally let Chat GPT babysit his kid, and Vinnie might have a food hack that will actually change your life! Country music has a new King; can you guess who dethroned Garth Brooks? Brittany Spears is injured - here are the details. Jon Bon Jovi is selling his massive Nashville bar. Can you understand what the kids are into? Here's some stuff people are into that we don't understand at all. Plus, when did that happen?

In this episode of This Week in the NFL, Cowboy, Senior & D'Amato recap all the hard hitting action from the fifth weekend of the 2025 season and dig into week six! 

It's all about your Character & Integrity!This week, we start a 7-week series based on my book, "Senior Salute," which I wrote as a follow-up to my most popular book ever, "Inspiration for the Graduate." Both are gift books for coaches or parents to give to their senior athletes. "Inspiration for the Graduate" makes for a great graduation gift, and "Senior Salute" is a great gift to give on Senior Night or at the End-of-Season Banquet. Each book is filled with quotes based on various Team Themes that, hopefully, the coaches have talked with and worked on with their teams at some point in the season. This week, we start with the first chapter of the book and the theme of Character & Integrity. You will hear four quotes discussed in today's episode.For more information to help you on your road to becoming your best, check us out at SlamDunkSuccess.com or email me at scott@slamdunksuccess.com.As always, our background music is "Dance in the Sun" by Krisztian Vass.

This sermon is preached by Pastor Bogdan Kipko, Senior and Founding Pastor of Forward Church. We hope you are encouraged by the message from God's Word, and we are thrilled to help you find hope in Jesus.For more information about Forward Church, please visit: www.forward.fmTo listen to all audio messages from Forward Church, please visit: www.forwardchurchpodcast.comTo support Forward Church financially, please visit: https://bit.ly/fwdchurchFollow Pastor Kipko on Instagram: www.instagram.com/kipko Watch all sermons from Forward Church on YouTube: https://www.youtube.com/@kipko To get in touch with Forward Church or to request Pastor Bogdan Kipko to speak at your church or event, please send an email to: admin@forward.fm If you are visiting Southern California, we would love to have you come and enjoy the Sunday Service at Forward Church!

HOUSE Music all life long

Lincoln-Way West dominated DeKalb on the ground in a 52-21 victory, rushing for 302 yards and all seven of their touchdowns. Senior running back Jimmy Talley Jr. starred with 135 yards and four scores on 22 carries.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

Senior quarterback Emmett Dowling threw for 352 yards and 3 touchdowns, while the Mount Carmel defense made three red-zone stops during the team's 27-14 win over Brother Rice in a battle of unbeaten, state-ranked programs.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

As the Great Salt Lake in Utah continues to dry up, the arts community has mobilized to lay bare the major ecological, economic and health stakes if the decline continues. The public art project, Wake the Great Salt Lake, aims to educate and inspire residents and visitors alike. Senior arts correspondent Jeffrey Brown reports for our arts and culture series, CANVAS. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

What trees are flood and arid proof that will still be here in a hundred years? How can I rejuvenate my gappy Heathers? What fast growing plants could we plant to hide a wall?Peter Gibbs and a proud panel of gardening experts venture to the Whitworth Institute in Darley Dale where they field questions from an eager live audience of gardeners. Tackling everything from hangry heathers to planting dilemmas, the panel includes head gardeners' Bethan Collerton and Marcus Chilton Jones, and garden designer Bunny GuinnessLater in the programme, James Wong provides  some practical advice on how to keep your plants happy indoors this season. Senior producer: Matthew Smith
 Junior producer: Rahnee PrescodA Somethin' Else production for BBC Radio 4

In this episode we sit down with Pastor Andrew Tucker of Grace Baptist Church in Ekron, Kentucky. Pastor Tucker is a 20 year veteran of the United States Army where he was a Senior Combat Medic in Iraq and Afghanistan. He is also a FFL firearms dealer and manufacturer. All of this gives him an acute insight into the assassination of Charlie Kirk. Something isn't adding up with the official narrative. Is it a second shooter? Is Tyler Robinson a fall guy for the real assassin? Support the show

In this episode of This Week in the NFL, Cowboy, Senior & D'Amato recap all the hard hitting action from the fourth weekend of the 2025 season and dig into week five! 

Dana Love, founder of PoobahAI (exited 5 companies, PhD in economics), breaks down why Web3 lags mainstream adoption and how AI-built software can unlock the space: “the future of Web3 is coding without coders.” We cover: the zero→one grind, macro shifts (globalization → nationalization), inflation realities, and why blockchains need to drop the barrier to projects, devs, and users. Dana shares Poobah's approach—virtual co-founder, multi-chain no/low-code, pre-audited on-chain digital objects, and real showcases (NFT ticketing, RWA real estate, car auction). We also talk go-to-market (students & exec MBAs), chain partnerships, and their seed round.Timestamps[00:00] Dana's thesis: coding without coders is Web3's future[00:01] Background: exits, policy PhD, AI/ML → crypto since 2011[00:02] Patterns from 5+ exits: first $1 of revenue + investment; hearing “your baby is ugly”[00:04] Macro: globalization → nationalization; inflation dynamics & wages[00:07] Startup stages: 0→1 vs 1→10 vs 10→50—don't over-process the first customer[00:08] Why Web3 adoption lags: tooling, UX, paucity of devs/projects/users[00:10] Public vs private chains; why transparency is a feature for upstarts[00:11] Naming Poobah & the “many hats” founder[00:12] Poobah overview: virtual co-founder, on-chain generation, digital objects (pre-audited contracts)[00:15] Code quality: making no-code generate good code; best-practice RAG/context[00:17] Focus: Web3 first—massive untapped value[00:18] GTM: students, MBAs, exec MBAs → enterprise wedge[00:19] Case: Princeton CS student ships NFT ticketing as a vibe-coder[00:20] B2B: chain licenses to drop coding barrier to near-zero[00:22] The “hackathon circus” & why broadening the builder base matters[00:23] Non-dev creators as founders: fine-arts → sticky NFTs[00:24] The Shopify moment for Web3 (payments/regulatory context)[00:27] RWAs: real estate fractionalization; car auctions; built in weeks[00:30] Will AI replace devs? Senior vs junior leverage; law firm analogy[00:36] Market will rebalance skills & pay; seniors x AI = force multiplier[00:37] Roadmap (6–12 mo): low-code launch → no-code, multi-chain MCP, virtual co-founder[00:38] The ask: chain partnerships, seed syndication, universities & exec MBAsConnecthttps://poobah.ai/https://www.linkedin.com/company/poobahai/https://www.linkedin.com/in/danalove/https://x.com/DanaFLoveDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. Finally, it would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Be a guest on the podcast or contact us - https://www.web3pod.xyz/

Send us a textChris Weir has been doing stand-up in Cincinnati since 2011. He started while he was at North Kentucky University, but really jumped into the scene after graduating. He's a huge Reds fan and hosts a podcast dedicated to them called The New Nasty Boys, an homage to Rob Dibble, Norm Charlton and Randy Myers. He won Cincinnati's Funniest Person and works all over the Midwest. He's also an artist and graphic designer, too. Follow Chris Weir: Instagram: https://www.instagram.com/chrisweircw/Twitter: https://x.com/chrisweircwWebsite: https://www.chrisweir.net/Live in Cincinnati: https://youtu.be/XxvN0g1borkSupport the show

Praveen Ghanta, founder of Fraction and former CEO of HiddenLevers, shares how he turned his experience scaling a bootstrapped SaaS company into a fast-growing fractional talent marketplace. After HiddenLevers reached $8M in ARR and sold for over $100M, he realized that senior fractional engineers were the secret to delivering efficiently without expensive full-time hires. Fraction now serves over 100 SaaS clients with a vetted pool of 500 senior U.S.-based engineers and CTOs. Typical engagements run 10–30 hours a week, helping founders tackle scaling challenges in vertical SaaS, AI engineering, DevOps, and legacy system conversions. The company has reached $10M ARR in just three years while keeping half its own team fractional. Praveen explains how clients use Fraction to save costs, speed development, and even prepare for M&A due diligence with fractional CTOs. He also highlights how AI has boosted senior developer productivity by 4x, why U.S.-only context matters, and how fractional-to-full-time hiring often becomes a win-win path. This interview is perfect for SaaS founders at $1M–10M ARR, hitting scaling issues, vertical SaaS leaders needing senior engineers without VC funding, and founders considering AI-powered product features and engineering talent. Key Takeaways Fractional Individual Contributors: Not just execs—senior engineers deliver hands-on code, marketing, and DevOps part-time. AI Productivity Boost: Senior developers using AI tools are delivering 2–4x more than peers without them. Cost Advantage: Starting at $5K/month, founders access senior dev talent without $200K+ full-time salaries. Best ICP Fit: Vertical SaaS companies at $1–10M ARR facing scaling issues or legacy migrations. Developer Productivity: Fraction leveraged its experience with over 100 clients to build DevHawk.ai, a tool that manages fractional talent and delivers results even more efficiently. This Interview Is Perfect For SaaS founders stuck at scaling challenges without a budget for big teams Bootstrappers and practical founders looking for senior engineering firepower Founders facing legacy code, scaling issues, or AI feature rollouts Non-technical founders struggling to manage offshore or junior dev teams Quote from Praveen Ghanta, founder of Fraction “There are a lot of very experienced engineers who get into a senior developer role, but if they're not going to become the manager of the team, there's not a really good and obvious career path for them. “They start to get bored because they know their job inside and out and it's relatively easy for them to keep delivering.  “So working on a startup on the side is actually a way for both for them to sort of enrich their career and see new things and have that creative satisfaction, but at the same time, not take the risk. There are plenty of folks that want to be full-time at the startup, but there's risk in being at a startup.”  Links Praveen Ghanta on LinkedIn Fraction on LinkedIn Fraction website (fraction.work) DevHawk website Podcast Sponsor – Fraction This podcast is sponsored by Fraction. Fraction gives you access to senior US-based engineers and CTOs — without full-time costs or hiring risks. Get 10 to 30 hours per week from vetted and experienced US-based talent. Find your next fractional senior engineer or CTO at fraction.work. You can start with a one-week, risk-free trial to test it out. The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding.  A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.

We’re getting ready for Senior year on Pod Meets World (aka Season 7), but first we have to start production on our podcast yearbook and decide our ever-so-important superlatives! Who will get Class Clown? Best Dressed? Most Likely to Go to Jail? And since when is Rider so quick with the hot takes? The gang shuffles through your favorite BMW-verse characters (and the most obscure) to hand out the awards they deserve (or don’t deserve). Dig in and win Luckiest - it’s time to enjoy a brand new episode of Pod Meets World… Follow @podmeetsworldshow on Instagram and TikTok!See omnystudio.com/listener for privacy information.

Lexington is coming off of a 48-6 win over another cross town rival. Senior RB/LB Markale Martin joins us

Episode #101In the final show of season one we break down the final couple of minutes of Casino Royale. What a saga this has been. Thank you all for tagging along with us. Anything Bondian Rob & Pete:ANYTHING BONDIAN ROB: Talks about getting his Bond Omega back from the repair shopWaving to Bond locations as he goes by them.Somehow we get on to talking about the ending to Tootsie.I talk about going back to 116 Pall Mall which was the Senior in the novel You Only Live Twice, and getting rebuffed by my old writing colleague Matt Spaiser. I don't have any photos, sorry.The minutesGetting into the final minutes of Casino Royale we discuss the contents of Vesper's handbag.Why did Bond not shoot Mr White with his signature gun? How did he change suits between this scene and Quantum? Half timeFinally we give an overview of the film itself and discuss a little interference with the voting poll for the next season.There is some listener mail to finish. We're also doing a survey for the next series, we'd really appreciate your vote ⁠⁠⁠⁠here⁠⁠⁠⁠.Shownotes and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ can be found on the blog:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fromtailorswithlove.co.uk/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bless your hearts.Show is brought to you byWilde&Harte⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wildeandharte.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discount code Tailors20&Propstore⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.propstore.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Also we recorded ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠a Patreon show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Please follow the THERE WILL BE MORE BOND page and get early access to the free pod and all videos.https://www.patreon.com/c/ThereWillBeMoreBondMusic by John Pickup

Send us a textAnd welcome to this very special edition of the movie wire! 1000 movies and The Movie Wire as hit 200 episodesThis week on the show!Some search for battle, others are born into it. Leonardo DiCaprio stars in: One Battle After AnotherTrue story, ultimate comeback. Michael Chiklis stars in:The SeniorAnd finallySurvival was just the beginning in:The SeniorWe got a lot to cover this week along with some special guests to celebrate this 200th episode. For the 200th time.... ready for my verdict let's get into it. *You can give a gift to The Movie Wire celebrating it's 200th episode by leaving a review on Apple Podcast or Spotify*You can now listen to The Movie Wire on YouTube! Listen and subscribe here!Make sure you check out Gaming Views!Listen HereIf you haven't tuned in, followed, or subscribed to The Cultworthy Cinema Podcast and The Movie Wire's crossover show Back 2 the Balcony, now is your time, because this week we cover the 1996 Wes Craven film that turned the tables on the slasher genre in: Scream: Listen HereSupport the show

Explore the unique services offered by Riverside's Senior Behavioral Health Unit. Our expert Heather Lee outlines the specialized care designed for older adults facing mental health challenges while highlighting how our approach focuses on individual needs and comprehensive support.

Willowbrook senior Anthony Leo, who rushed for 230 yards and a touchdown on 28 carries and had nine tackles, four tackles for loss and a sack in a 45-14 win over Hinsdale South, is the Week 6 Friday Night Drive Team of the Week MVP. Here is his Q&A with Sports Editor Josh Welge.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

Ecoutez RTL Matin avec Thomas Sotto du 01 octobre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

MARK IS HERE!!!! He's THE POINTS CHAMP! TWICE IN A ROW!Check us out - https://linktr.ee/COWJAMSpecial thanks to our sponsors:Northwest Figure 8 Peter's Auto ServiceWhite River Adventures JP Creations Soapy Joes AND The Indianapolis Speedrome Studio Liquid Sponsor - Casey's Landscaping

Michael Chiklis is an actor and star of the new Angel Studios film The Senior, now playing in theaters. Follow him on Instagram @michaelchiklis.Ian Frisch is a journalist and co-author of the book Inside The Cartel with Martin Suarez, available now. Follow him on Instagram @ian_frisch.In the news: Ben Affleck and Jennifer Garner's daughter Violet calls for mask mandates during a UN event, Fox orders a Baywatch reboot for the 2026-2027 season, and Ray J claims he's helping the feds build a case against Kim Kardashian and Kris Jenner.FOR MORE WITH MICHAEL CHIKLIS:MOVIE: The SeniorWith Angel Studios In Theatres NowINSTAGRAM: @michaelchiklisFOR MORE WITH IAN FRISCH:BOOK: Inside The Cartel - Available nowINSTAGRAM: @ian_frischFOR MORE WITH JASON “MAYHEM” MILLER: INSTAGRAM & TWITTER: @mayhemmillerWEBSITE: www.mayhemnow.com Thank you for supporting our sponsors:BetOnlineGo to https://www.american-giant.com and get 20% off your first order with promo code ADAM. Thanks to American Giant for sponsoring the show!Today, get Huel for FIFTEEN PERCENT OFF with this exclusive offer for New Customers only with code adam15 at https://huel.com/adam15 (Minimum $75 purchase).Homes.comoreillyauto.com/ADAMPluto.tvLIVE SHOWS: October 2-4 - Las Vegas, NVOctober 9 - New York City, NYSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

See omnystudio.com/listener for privacy information.

Andrew Churchill thinks companies should really be hiring junior engineers, Addy Osmani announces Chrome DevTools MCP, GitHub lays out a roadmap to fend off npm attacks, Jerry Liu builds an app that generates a timeline of your day's activities, and Sean Goedecke attempts to define "good taste" in the context of software engineering.

Vanessa Allen, a nutrition advisor for Mars Horsecare in the U.K. for a dozen years, talks with us about forage substitutes. Whether your forage supply is disrupted or your senior horse needs a change because of physical issues, you might face this problem.My Senior Horse - Episode 30 Guests and Links:Guest: Vanessa AllenConnect with Host: Kimberly S. Brown of Editorial Director of My Senior Horse | Email Kim (kbrown@equinenetwork.com) | Follow Kim on LinkedIn (@kimberlylsbrown)

“Essentially what carbon accounting is doing is it's using a mathematical equation to come up with a standardized unit of measure that we call a carbon dioxide equivalent of how you can, um, measure and track all of the different greenhouse gases that your business emits through various activities. There's actually seven distinct greenhouse gases that are included…So what carbon accounting is doing is it's using it's using math to take those different greenhouse gases and normalize them into a standard unit of measure, which is carbon dioxide equivalent… (to measure) its warming ability of the planet.  Alyssa Zucker on Electric Ladies Podcast One of the main things nearly every company measures and tracks today is carbon emissions. It's tangible. and every company emits some CO2. But how do you measure and track it?    Listen to Alyssa Zucker, Senior Industry Principal in Carbon at Workiva – aka The Carbon Lady – in this fascinating conversation with Electric Ladies Podcast host Joan Michelson.   You'll hear about: ●        What carbon accounting actually is measuring and tracking, how and why it matters. ●        What the Greenhouse Gas Protocol is, the “scopes” you hear people talk about and how they work. ●        How renewable energy, the grid and other nuances of electricity delivery are measured for carbon. ●        Plus, career advice, such as:   “I would say at that point in your career, you've probably honed your niche, right? You've become the technical expert, you've done the work kind of going narrow and deep. I think at that point in your career, it's actually a really good opportunity to broaden and focus on going a little wider….So thinking about leveraging your domain expertise and applying it cross team, cross corporation to have a broader impact is really effective, and will also obviously give you more transferrable skills and how you communicate and work with other domains and teams and learn a little bit more about their world.” Alyssa Zucker on Electric Ladies Podcast   Read Joan's Forbes articles here.   You'll also like: ·       Carbon Credits 101: with Lucy Hargreaves at Patch (now at Build Canada) ·       How to Get To Carbon Zero, with Melissa Lott, Ph.D. at Columbia University Center for Global Energy Policy featured in the “Chasing Carbon Zero” documentary. ·       A Biography of Carbon: with documentary filmmaker, writer and producer, Danielle Ortega of the Australian Film Commission on her extraordinary film “Carbon: An Unauthorized Biography ·       Using Captured Carbon To Make Energy: with Bjork Kristjansdottir, of Carbon Recycling International   Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.   Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

Donald Trump suffered another "Senior moment" over the weekend when he shared an AI generated video of HIMSELF announcing that he was giving all Americans access to something called a "Med Bed," which is a magical creation that can cure all illnesses and even regrow missing limbs in a matter of hours. The beds, obviously, do not exist, and Trump never signed any order related to them, but that didn't stop the President of the United States from sharing the fake video to his own Truth Social account. In an interview on Sunday, shortly before he decided to deploy federal troops to Portland, Donald Trump appeared to admit that he's not only being manipulated by right wing propaganda, but that he's still aware enough to KNOW that he's being manipulated. Trump recalled a conversation with Oregon governor Tina Kotek, where he asked her "Am I seeing things on television that aren't actually happening?", and the answer to that is YES. Trump seems to know that he's not living in reality at the moment.Following the indictment of former FBI Director James Comey last week, Vice President JD Vance has announced that there are "certainly" going to be more indictments coming against Donald Trump's political enemies in the months and years to come. This admission shows how brazen the administration is becoming with their abuses of power, and it also shows the complete incompetence of the administration. If Vance had a brain, he would have realized that promising indictments instead of investigations is a sure-fire way to get whatever charges may come dropped almost immediately.Donald Trump launched a wild new conspiracy over the weekend that was so insane even his own sycophants couldn't allow it to stand. Trump falsely claimed that the FBI had agents planted at the Capitol Riot BEFORE the riot even took place, and he claimed that the government knew about it the whole thing (and obviously planned it.) Trump's own FBI director, Kash Patel, was forced to come out publicly and say that this is completely untrue, putting him at odds with his boss who doesn't like to be told that he is lying. Marjorie Taylor Greene is one of a handful of Republican lawmakers working with Democrats to force the release of the Epstein Files, and the Trump administration has been desperately trying to get her to stop it. But Greene has now made it crystal clear that she is NOT going to bow to White House pressure because she knows "who she works for." The only problem is that Greene still doesn't understand that the White House is acting on Trump's orders, and she is pretending that Trump is a victim in all of this.Text and and let us know your thoughts on today's stories!Subscribe to our YouTube channel to stay up to date on all of Farron's content: https://www.youtube.com/FarronBalancedFollow Farron on social media! Facebook: https://www.facebook.com/FarronBalanced Twitter: https://twitter.com/farronbalanced Instagram: https://www.instagram.com/farronbalanced TikTok: https://www.tiktok.com/@farronbalanced?lang=en

Fit Mother Project Podcast number 166 introduces us to Dr. Melissa Mahan. A 59-year-old grandmother of six, higher-ed leader, and certified professional coach from San Antonio who refused to let family history dictate her future. After a routine checkup in early 2024 revealed an A1C of 6.6 with high cholesterol and blood pressure, she chose a structured, natural path over medication—and found the Fit Mother Project. What followed was a systems-driven transformation built on consistent action, community support, and faith. Within months, Melissa dropped her A1C to ~6.0, normalized her blood pressure, improved her lipid ratios, and lost ~35 pounds—largely by dialing in “protein first,” lifting consistently, and stacking simple habits like morning sunlight walks. She also learned powerful glucose-management strategies through a CGM, discovering how pairing protein/fiber (and avoiding “spike-on-a-spike” combos like soda before pizza) dramatically changed her numbers. Melissa shares the tweaks that mattered (e.g., swapping coconut milk for almond milk in shakes and adding psyllium husk), along with her mantra of the “relentless return”—not perfection, but always coming back to the next right action. She describes how Fit Mother retreats, small-group coaching, and the in-app sisterhood reinforced mindset shifts, helped her navigate menopause challenges, and kept her on track during celebration-heavy seasons. Now, just shy of 60, Melissa is training for senior-level cycling events and planning a 500-mile Camino de Santiago ride in Spain—proof that health creates possibilities. Her challenge to listeners: dare to dream, set a meaningful goal, and finish this year strong.Key Takeaways:A1C 6.6 → ~6.0; BP/lipids trending normal~35 pounds down; energy and mood up“Protein first” meals; stronger satiety, fewer cravingsCGM insights; smarter food order and pairingSkip soda-before-pizza; avoid “spike on a spike”Fiber + protein before carbs; steadier glucoseAlmond milk swap; lower sugar, cleaner shakesPsyllium add-in; soluble fiber, better fullnessMorning sunlight + 20–30 min walk stackStrength training 2–4x/week; progressive overloadPower-meter cycling; targeted endurance gainsRetreats + small groups; consistent accountabilityMenopause-aware tweaks; sleep and stress prioritized“Relentless return” mindset; progress over perfectionBig goal: 500-mile Camino; senior cycling eventsWant To Change Your Life? Check Out Foundations!Foundations is a simple, sustainable, and specific weight loss program designed especially for busy women over 40. With short metabolic training workouts, an easy-to-follow meal plan, and an accountability team there for you every step of the way, Foundations can help you lose weight, regain energy and vitality, and live life to the fullest. Click here to see everything you get when you join FM30X, subscribe to our YouTube Channel, check out our blog, and follow us on Instagram, TikTok, Facebook,

Andrew Churchill thinks companies should really be hiring junior engineers, Addy Osmani announces Chrome DevTools MCP, GitHub lays out a roadmap to fend off npm attacks, Jerry Liu builds an app that generates a timeline of your day's activities, and Sean Goedecke attempts to define "good taste" in the context of software engineering.

Mike Flynt made history by going back to play college football at the age of 59. Now, with a new movie called "The Senior" in theaters from Angel Studios, Mike opens up about his experiences and the strong role faith played.Tags#football #collegefootball #retired #retiree #thesenior #theseniormovie #mikeflynt #interview

The Senior Fire Fighter Podcast from PFFA, hosted by Josef Kuehnast. These long form interviews discuss the life and career of some of Portland Fire & Rescue's high performing, dedicated members.

Please enjoy this encore of Career Notes. Senior security engineer with the Johns Hopkins University Information Security Institute and the Institute for Assured Autonomy, Joe Carrigan, shares what he calls his life mistake and what spurred him to finally choose a career in technology. Throughout his life, Joe had interest in technology, he even worked at the computer lab in college, but never set his sights on that for a career. A conversation with a stranger guided him in that direction and he's been there ever since. As co-host of the CyberWire's Hacking Humans, Joe sees some heartbreaking results of scams and feels education of the public will help to prevent these. Joe reminds us to build our networks as they include people we can always go back to either when searching for a position or looking to fill one on our teams. We thank Joe for sharing his story with us. Learn more about your ad choices. Visit megaphone.fm/adchoices

This sermon is preached by Pastor Bogdan Kipko, Senior and Founding Pastor of Forward Church. We hope you are encouraged by the message from God's Word, and we are thrilled to help you find hope in Jesus.For more information about Forward Church, please visit: www.forward.fmTo listen to all audio messages from Forward Church, please visit: www.forwardchurchpodcast.comTo support Forward Church financially, please visit: https://bit.ly/fwdchurchFollow Pastor Kipko on Instagram: www.instagram.com/kipko Watch all sermons from Forward Church on YouTube: https://www.youtube.com/@kipko To get in touch with Forward Church or to request Pastor Bogdan Kipko to speak at your church or event, please send an email to: admin@forward.fm If you are visiting Southern California, we would love to have you come and enjoy the Sunday Service at Forward Church!

On today's Top News in 10, we cover: Former FBI Director James Comey indicted on two counts by the Department of Justice. New details emerge from the Dallas anti-ICE terror attack. Senior Democrat officials stop calling President Trump a fascist to beg for a budget meeting with him. Keep Up With The Daily Signal Sign up for our email newsletters:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.dailysignal.com/email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠     Subscribe to our other shows:  The Tony Kinnett Cast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7AFk8xjiOOBEynVg3JiN6g⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  The Signal Sitdown: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://megaphone.link/THEDAILYSIGNAL2026390376⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Problematic Women:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://megaphone.link/THEDAILYSIGNAL7765680741⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Victor Davis Hanson: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://megaphone.link/THEDAILYSIGNAL9809784327⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Follow The Daily Signal:  X:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/intent/user?screen_name=DailySignal⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/thedailysignal/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Facebook:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.facebook.com/TheDailySignalNews/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Truth Social:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://truthsocial.com/@DailySignal⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/dailysignal?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠    Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

See the new movie, The Senior, in theaters now!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On today's Top News in 10, we cover: Former FBI Director James Comey indicted on two counts by the Department of Justice. New details emerge from the Dallas anti-ICE terror attack. Senior Democrat officials stop calling President Trump a fascist to beg for a budget meeting with him.   Keep Up With The Daily Signal […]

Journalist and Bad Faith podcast host Briahna Joy Gray talks about debating Charlie Kirk and pushes back on the way much of the Left is talking and writing about Kirk.But first, Antizionist Jewish author, educator and Instagram star Sim Kern cuts through pro Israel propaganda you don't even know you're getting. Watch the full chat with Briahna here https://www.patreon.com/posts/patreon-full-joy-139602320 Donate to Gaza City Evacuation - https://chuffed.org/project/gaza-city-evacuation VOTE for Producer Andrew's You Feeling This 2 for Most Innovative Video Podcast: https://vote.signalaward.com/PublicVoting Briahna Joy Gray is the host of the Bad Faith Podcast and editor at large of Current Affairs magazine. She is the former national press secretary for Bernie Sanders's 2020 presidential campaign and former Senior politics editor at The Intercept. Briahna was the co-host of The Hill's Rising until she was fired over her criticism of Israel. In March 2022, she debated Charlie Kirk. Sim Kern is the New York Times and USA Today Bestselling author of Genocide Bad and The Free People's Village. As a journalist, Sim has investigated petrochemical polluters and exposed malfeasance amid the state takeover of public schools in Houston, Texas. Sim is also a book influencer and activist, who created the The Trans Rights Readathon in 2022, which raised over $250,000 for trans-supporting organizations in its first year alone. Since October 7th, 2023, Kern has shared educational content about Palestine and mobilized their followers to raise more than half a million dollars in direct aid for families in Gaza. ***Please support The Katie Halper Show *** For bonus content, exclusive interviews, to support independent media & to help make this program possible, please join us on Patreon - https://www.patreon.com/thekatiehalpershow Get your Katie Halper Show Merch here! https://katiehalper.myspreadshop.com/all Follow Katie on Twitter: https://x.com/kthalps Follow Katie on Instagram: https://www.instagram.com/kthalps Follow Katie on TikTok: https://tiktok.com/@kthalps

Our Co-Head of Securitized Products Research James Egan joins our Chief Economic Strategist Ellen Zentner to discuss the recent challenges facing the U.S. housing market, and the path forward for home buyers and investors. Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm James Egan, U.S. Housing Strategist and Co-Head of Securitized Products Research for Morgan Stanley. Ellen Zentner: And I'm Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing at Morgan Stanley Wealth Management. James Egan: And today we dive into a topic that touches nearly every American household, quite literally. The future of the U.S. housing market. It's Thursday, September 25th at 10am in New York. So, Ellen, this conversation couldn't be timelier. Last week, the Fed cut interest rates by 25 basis points, and our chief U.S. Economist, Mike Gapen expects three more consecutive 25 basis point cuts through January of next year. And that's going to be followed by two more 25 basis point cuts in April and July. But mortgage rates, they're not tied to fed funds. So even if we do get 6.25 bps cuts by the end of 2026, that in and of itself we don't think is going to be sufficient to bring down mortgage rates, though other factors could get us there.Taking all that into account, the U.S. housing market appears to be a little stuck. The big question on investors' minds is – what's next for housing and what does that mean for the broader economy? Ellen Zentner: Well, I don't like the word stuck. There's no churn in the housing market. We want to see things moving and shaking. We want to see sellers out there. We want to see buyers out there. And we've got a lot of buyers – or would be buyers, right? But not a lot of sellers. And, you know, the economy does well when things are moving and shaking because there's a lot of home related spending that goes on when we're selling and buying homes. And so that helps boost consumer spending. Housing is also a really interest rate sensitive sector, so you know, I like to say as goes housing, so goes the business cycle. And so, you don't want to think that housing is sort of on the downhill slide or heading toward a downturn [be]cause it would mean that the entire economy is headed toward a downturn. So, we want to see housing improve here. We want to see it thaw out. I don't like, again, the word stuck, you know. I want to see some more churn. James Egan: As do we, and one of the reasons that I wanted to talk to you today is that you are observing all of these pressures on the U.S. housing market from your perspective in wealth management. And that means your job is to advise retail clients who sometimes can have a longer investment time horizon. So, Ellen, when you look at the next decade, how do you estimate the need for new housing units in the United States and what happens if we fall short of these estimated targets? Ellen Zentner: Yeah, so we always like to say demographics makes the world go round and especially it makes the housing market go round. And we know that if you just look at demographic drivers in the U.S. Of those young millennials and Gen Z that are aging into their first time home buying years – whether they're able to immediately or at some point purchase a home – they will want to buy homes. And if they can't afford the homes, then they will want to maybe rent those single-family homes. But either way, if you're just looking at the sheer need for housing in any way, shape, or form that it comes, we're going to need about 18 million units to meet all of that demand through 2030. And so, when I'm talking with our clients on the wealth management side, it's – Okay, short term here or over the next couple of years, there is a housing cycle. And affordability is creating pressures there. But if we look out beyond that, there are opportunities because of the demographic drivers – single family rentals, multi-family. We think modular housing can be something big here, as well. All of those solutions that can help everyone get into a home that wants to be. James Egan: Now, you hit on something there that I think is really important, kind of the implications of affordability challenges. One of the things that we've been seeing is it's been driving a shift toward rentership over ownership. How does that specific trend affect economic multipliers and long-term wealth creation? Ellen Zentner: In terms of whether you're going to buy a single-family home or you're going to rent a single-family home, it tends to be more square footage and there's more spending that goes on with it. But, of course, then relatively speaking, if you're buying that single family home versus renting, you're also going to probably spend a lot more time and care on that home while you're there, which means more money into the economy. In terms of wealth creation, we'd love to get the single-family home ownership rate as high as possible. It's the key way that households build intergenerational wealth. And the average American, or the average household has four times the wealth in their home than they do in the stock market. And so that's why it's very important that we've always created wealth that way through housing; and we want people to own, and they want to own. And that's good news. James Egan: These affordability challenges. Another thing that you've been highlighting is that they've led to an internal migration trend. People moving from high cost to lower cost metro areas. How is this playing out and what are the economic consequences of this migration? Ellen Zentner: Well, I think, first of all, I think to the wonderful work that Mark Schmidt does on the Munis team at MS and Co. It matters a great deal, ownership rates in various regions because it can tell you something about the health of the metropolitan area where they are. Buying those homes and paying those property taxes. It can create imbalances across the U.S. where you've got excess supply maybe in some areas, but very tight housing supply in others. And eventually to balance that out, you might even have some people that, say, post-COVID or during COVID moved to some parts of the country that have now become very expensive. And so, they leave those places and then go back to either try another locale or back to the locale they had moved from. So, understanding those flows within the U.S. can help communities understand the needs of their community, the costs associated with filling those needs, and also associated revenues that might be coming in. So, Jim, I mentioned a couple of times here about single family renting, and so from your perch, given that growing number of single-family rentals, how is that going to influence housing strategy and pricing? James Egan: It is certainly another piece of the puzzle when we look at like single family home ownership, multi-unit rentership, multi-unit home ownership, and then single family rentership. Over the past 15 years, this has been the fastest growing way in which kind of U.S. households exist. And when we take a step back looking at the housing market more holistically – something you hit on earlier – supply has been low, and that's played a key role in keeping prices high and affordability under pressure. On top of that, credit availability has been constrained. It's one of the pillars that we use when evaluating home prices and housing activity that we do think gets overlooked. And so even if you can find a home to buy in these tight inventory environments, it's pretty difficult to qualify for a mortgage. Those lending standards have been tight, that's pushed the home ownership rate down to 65 percent. Now, it was a little bit lower than this, after the Great Financial Crisis, but prior to that point, this is the lowest that home ownership rates have been since 1995. And so, we do think that single family rentership, it becomes another outlet and will continue to be an important pillar for the U.S. housing market on a go forward basis. So, the economic implications of that, that you highlighted earlier, we think that's going to continue to be something that we're living with – pun only half intended – in the U.S. housing market. Ellen Zentner: Only half intended. But let me take you back to something that you said at the beginning of the podcast. And you talked about Gapen's expectation for rate cuts and that that's going to bring fed funds rate down. Those are interest rates, though that don't impact mortgage rates. So how do mortgage rates price? And then, how do you see those persistently higher mortgage rates continuing to weigh on affordability. Or, I guess, really, what we all want to know is – when are mortgage rates going to get to a point where housing does become affordable again? James Egan: In our prior podcast, my Co-Head of Securitized Products Research, Jay Bacow and myself talked about how cutting fed funds wasn't necessarily sufficient to bring down mortgage rates. But the other piece of this is going to be how much lower do mortgage rates need to go? And one of the things we highlighted there, a data point that we do think is important. Mortgage rates have come down recently, right? Like we're at our lowest point of the year, but the effective rate on the outstanding market is still below 4.25 percent. Mortgage rates are still above 6.25 percent, so the market's 200 basis points out of the money. One of the things that we've been trying to do, looking at changes to affordability historically. What we think you really need to see a sustainable growth in housing activity is about a 10 percent improvement in affordability. How do we get there? It's about a 5.5 percent mortgage rate as opposed to the 6 1/8th to 6.25 where we were when we walked into this recording studio today. We think there will be a little bit response to the move in mortgage rates we've already seen. Again, it's the lowest that rates have been this year, and there have been some… Ellen Zentner: Are those fence sitters; what we call fence sitters? People that say, ‘Oh gosh, it's coming down. Let me go ahead and jump in here.' James Egan: Absolutely. We'll see some of that. And then from just other parts of the housing infrastructure, we'll see refinance rates pick up, right? Like there are borrowers who've seen originations over the course of the past couple years whose rates are higher than this. Morgan Stanley actually publishes a truly refinanceable index that measures what percentage of the housing market has at least a 25 basis point incentive to refinance. Housing market holistically after this move? 17 percent? Mortgages originated in the last two years, 61 percent of them have that incentive. So, I think you'll see a little bit more purchase activity. Again, we need to get to 5.5 percent for us to believe that will be sustainable. But you'll also see some refinance activity as well, right? Ellen Zentner: Right, it doesn't mean you get absolutely nothing and then all of a sudden the spigot opens when you get to 5.5 percent. Anecdotal evidence, I have a 2.7 percent 30-year mortgage and I've told my husband, I'm going to die in this apartment. I'm not moving anywhere. So, I'm part of the problem, Jim. James Egan: Well, congratulations to you on the mortgage… Ellen Zentner: Thank you. I wasn't trying to brag, But yes, it feels like, you know, your point on perspective folks that are younger buyers, you know, are looking at the prevailing mortgage rate right now and saying, ‘My gosh, that's really high.' But some of us that have been around for a lot longer are saying, ‘Really, this is fine.' But it's all relative speaking. James Egan: When you have over 60 percent of the mortgage market that has a rate below 4.5 percent, below 4 percent, yes, on a long-term basis, mortgage rates don't look particularly high. They're very high relative to the past 15 years, and to your point on a 2.7 percent mortgage rate, there's no incentive for you... Or there's limited incentive for you to sell that home, pay off that 2.7 percent mortgage rate, buy a new home at higher prices, at a much higher mortgage rate. That has – I know you don't like the word stuck – but it has been what's gotten this housing market kind of mired in its current situation. Price is very protective. Activity pretty low. Ellen Zentner: Jim, we've been talking about all the affordability issues and so let's set mortgage rates aside and talk about policy proposals. Are there specific policies that could also help on the affordability front? James Egan: So, there's a number of things that we get questions about on a pretty regular basis. Things like GSE reform, first time home buyer tax credits, things that could potentially spur supply. And look, the devil is in the details here. My colleague, Jay Bacow, has done a lot of work on GSE reform and what we're really focusing on there is the nature of the guarantee as well as the future of regulation and capital charges. For instance, U.S. banks own approximately one-third of the agency mortgage-backed securities market. Any changes to regulatory capital as a result of GSE reform, that could have implications for their demand, and that's going to have implications on mortgage rates, right? First time home buyer tax credits. We have seen those before – the spring of 2008 to 2010, and if we use that as a case study, we did see a temporary rise in home sales and a pause in the pace with which home prices were falling. But the effects there were temporary. Sales and prices wouldn't hit their post housing crisis lows until after those programs expired. Ellen Zentner: Right. So, you were incentivized to buy the house. You get the credit; you buy the house. But then unbeknownst to any economist out there, housing valuations continued to fall. James Egan: You could argue that it maybe pulled some demand forward. And so, you saw a lot of it concentrated and then the absence of that demand afterwards. And then on the supply side, there are a number of different programs we have touched on, some of them in these podcasts in the past. And then some of those questions become what needs to go through Congress, what is more kind of local municipality versus federal government. But look, the devil's in the details. It's an incredibly interesting housing market. Probably one that's going to be the source of many podcasts to come. So, Ellen, given all these challenges facing the U.S. housing market. Where do you see the biggest opportunities for retail investors? Ellen Zentner: So, in our recent note Housing in the Next Decade, we took a look at single family renting; you and I have talked about how that's likely to still be in favor for some time. REITs with exposure to select U.S. rental markets; what about senior housing? That is something that you've done deep research on, as well. Senior and affordable housing providers, home construction and materials companies. What about building more sustainable homes with a good deal of the climate change that we're seeing. And financial technology firms that offer flexible financing solutions. So, these are some of the things that we think could be in play as we think about housing over the long term. James Egan: Ellen, thank you for all your insights. It's been a pleasure to have you on the podcast. And I guess there's a key takeaway for investors here. Housing isn't just about where we live, it's about where the economy is headed. Ellen Zentner: Exactly. Always a pleasure to be on the show. Thanks, Jim. James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Check out the new movie, The Senior!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.