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In this newscast: A driver struck a Juneau man on a skateboard near the Juneau-Douglas Bridge late last night, causing life-threatening injuries; Setting a trial date for a former Juneau school principal is delayed again; The city of Wrangell is moving forward with plans to build a massive shipyard; The lead Democrat in the race for Alaska's U.S. House seat is suspending his campaign; Making biochar adds another way to improve local Sitkans' gardens.

Chris Deuto climbs everything. He's bouldered V14, he's sent hard 5.14s, he's the youngest person to climb the Yosemite triple crown, and, most impressively, last year he climbed Cerro Torre's southeast ridge.In this episode he breaks down the factors that make Cerro Torre such a difficult ascent, how he approaches the substantial danger in his climbing, and his career in climbing journalism.*Patreon Bonus Content (join https://www.patreon.com/testpiece for extended cut):*- How do pitches get graded on big alpine ascents?- Chris's scariest climbing moments from the past yearJoin Patreon: HEREFollow us on Instagram: HEREVisit our podcast page: HERE

Audio surf report and surf forecast on July 20 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

On today’s program, we’re speaking with new Sigourney superintendent Nathan Wood about the progress the district is making over the summer. This is the first part of a two-part interview.

CIOs across Southeast and Northeast Asia face a brutal budgetary paradox today: board-mandated surges in AI and cybersecurity investments clashing directly with flat overall IT expenditure. According to IDC and Forrester, while regional tech spending is rising, geopolitical risks and inflation are eroding real purchasing power. Consequently, technology leaders are forced into aggressive reallocation. They must defer legacy ERP upgrades, consolidate SaaS contracts, and renegotiate vendor support to fund digital priorities without expanding the top-line budget, turning run-rate IT optimisation into a critical strategic lever for margin protection. This shift is redefining the CIO role.In this PodChats for FutureCIO, we explore why IT budget strategies need to shift from cutting waste to driving innovation. For more on this, we are joined by Seth Ravin, CEO of Rimini Street.Setting the Macro Context1.       With overall IT budgets remaining largely flat across Asia despite surging AI demands, how are CIOs fundamentally restructuring their 2026 budget cycles to accommodate these new priorities without asking for more money?The Core Trade-off: AI vs. Legacy 2.       In your conversations with customers, when boards ring-fence AI and cybersecurity spend, which specific legacy IT projects or 'run rate' operations bear the brunt of the cuts?3.       You have highlighted the deferral of ERP upgrades; what are the operational and technical risks CIOs are willing to accept by pushing these critical modernisations down the line?Executing the Cuts: ERP, SaaS, and Cloud 4.       How are enterprises leveraging third-party enterprise software support models to immediately free up capital. Is this shifting from a tactical cost-saving measure to a strategic boardroom lever? 5.       Beyond traditional on-premise legacy systems, are we now seeing CIOs aggressively consolidating SaaS contracts and even renegotiating hyperscaler cloud commitments to fund AI initiatives?Regional and Sector Nuances 6.       CIOs at different sectors: manufacturing, healthcare, logistics, and financial services, approach how they manage their IT budgets. Are there distinct budget-cutting patterns or unique pressures specific to these sectors in the Asian market?The CIO and CFO Dynamic 7.       How has the conversation between the CIO and CFO evolved in the region? Are finance leaders now driving IT vendor renegotiations, or is the CIO leading this charge to protect innovation budgets?Strategic and Financial Implications 8.       Looking beyond 2026, if AI and cyber costs continue to scale without a corresponding increase in overall IT budgets, is the current model of funding them purely through legacy cuts sustainable?9.       Let's round out what we've covered so far. Our topic is IT budget strategies for focusing on innovation and not cost-cutting. What are your top 3 recommendations for IT budget strategies for focusing on innovation and not cost-cutting?

A powerful low-pressure system off the coast is bringing severe gale-force winds and hazardous surf warnings from Cape Moreton down to the New South Wales border. Forecasters urge boaters to stay off the water for the next 48 hours, while Brisbane braces for continued unpredictable, heavy rain showers during this highly unusual July weather event.See omnystudio.com/listener for privacy information.

The Jordan was at flood stage when the priests waded in — before the water moved. Obedience came first. Click here to read the sermon “Walk This Way” Joshua 3:1–4; 3:14–16; 4:18–24 It's such a treat to be back with you. My name is Rob Stone. If we haven't met yet, it's so good to be with you. This is my second of what will be three weeks preaching for you here at Yates Baptist Church. And we are in a series we started last week called Onward: Moving Toward the Uncharted. Onward, moving toward the uncharted. And of course we're walking through the book of Joshua. The book of Joshua is one of my favorite books of the Bible, because Joshua finds a people in the middle of a dramatic change, a dramatic shift. The people of Israel, if you follow from the book of Exodus, have been set free from their captivity, from their slavery in Egypt, but they have spent the better part of the last forty years wandering in the wilderness. They essentially lose a generation in the wilderness. But God is raising up a generation that's going to lead them into the promised land. So after the death of Moses, Joshua finds himself tasked with leading the people of Israel into the promised land. They're going to cross the Jordan River and make their way into Israel. I'm very excited about where we are today, because last week we discovered the what. Last week, we discovered the what: that God has called Joshua to lead the people into the promised land, and He made a lot of promises. We saw that Joshua will only inherit what he inhabits — Joshua will only inherit what he inhabits, which is another way of saying God's promise to Joshua is that every place the sole of his foot treads, God has given to him (cf. Josh 1:3, HCSB) [see "A New Dawn, A New Day," July 12, 2026]. And we talked about last week how that can be a promise, but it's not just a promise — it's a principle. And a principle is a promise that is user dependent. It's a promise that depends on whether or not you live it out, because God's promise to Joshua is a promise that depends on Joshua's action. Joshua has to take steps of obedience in order to receive the blessing that comes with God's promise. But if Joshua keeps his feet planted exactly as they are, if Joshua is not willing to be obedient, then the promise becomes a curse for him. Joshua has to take action. Joshua has to take steps of obedience. And I believe that is what God has called us to as well, because as we talked about last week, I believe God has not brought us this far just to bring us this far. There is more to go. There is further to go. And I believe, by God's power, that the best is yet to come. So before we jump into the second week of the series — looking not just at the what, but the how — because the what is great, but a what without a how leaves us all feeling a little confused. It leaves us lacking clarity, especially if we don't know how to get where we're going. Now, we live in 2026, and I have my phone right here — it has some points of the sermon that I'm going to cover. How many of you have your phones with you? Raise your hand if you have your phone, lift it up high. There we go. We are a smartphone people. Okay, let's try it this way — just for my own interest: if you're an iPhone user, raise your hand. Okay. If you use anything else, raise your hand. [Laughter.] Look at you. Come on now — a bunch of green dots showing up in the group texts. "So-and-so reacted to a photo." We can see it now, all you green-dot people, you non-iPhone users in the room. But here's why I mention it: a smartphone is beautiful, especially if you are lost. And really, with a smartphone, how could you ever truly be lost? But I want you to journey with me back to 2001 — December of 2001. I'm a college student at the University of Central Florida. I'm from Florida, by the way — I don't know if there are any other Floridians in the room. Come on, Sunshine State, look how far we've made it. I was a junior at the University of Central Florida, working with a campus ministry called Campus Crusade for Christ that now goes by Cru. Cru has Christmas Conference every year — our big regional conference. Because I was a student in the Southeast, Christmas Conference was held in Atlanta, Georgia. And there are lots of things to love about Atlanta, Georgia — Waffle House, Chick-fil-A, it's all wonderful, I appreciate it. But here's the thing I can't stand about Atlanta: driving in Atlanta is awful. Amen? Around the city of Atlanta is a circle, the perimeter, if you will, and it is a ten-lane highway that just forms a circle all around the city. And depending on where you get on this circle, the directions you're following make no sense, because there's an inner circle and an outer circle. Here I am in Atlanta before the invention of the iPhone. I want you to remember back in the days of a road atlas — you're pulling it out, maybe you've got it hidden in a map somewhere, and you pull that map out and try to figure out, as you're driving, where you're going. None of it is safe. We're going to our service project — how many of our youth went to Passport, by the way? Raise your hand if you were at Passport last week. Come on, vámonos, I love it, great job. So here's the thing: we're doing our service project as part of this conference, and we're headed into a place in Atlanta, and my friend who lives in Atlanta is like, "I know exactly how to get there." And then he proceeded to tell me — and if you don't live in a city, someone telling you the roads and the various points along the way isn't really helpful. So I do what dumb young men do: I go, "Got it. Gotcha. Totally see you there." And I take off, and I'm getting on I-285, this giant thing that goes around the city. I hop on I-285, and I know I need to go two exits west of where we are on the northern part of this highway. So I follow the sign that says west. But the west sign takes me in the opposite direction, because it's telling me where I'm ultimately trying to end up — not where I'm immediately going. Again, a highway that makes no sense. The fine folks of Atlanta, Georgia need to get their stuff figured out. But I turn the wrong way, and now I spend the next hour just looping around the city, seeing all the sights all the way around Atlanta. Finally, someone in my car has a cell phone — I don't own a cell phone yet, this is 2001, this is pre–cell phone days for me. Someone in the car has a cell phone: "Where are you all at?" "We're still on 285, looking for the exit." We eventually make our way there. This time, as we're going back to the hotel from the service project, I didn't just listen to what my friend told me when he told me how to get back. I said, "You go first, and I will follow you." We got back to the hotel in about five minutes. Now, there are wives in the room being very sweet about not elbowing your husbands right now — I appreciate that, I'm grateful for that — because if I had been married at that point, my wife would have said, "Hey, you don't know where you're going. How about you follow someone who does?" You don't know how to get there — why don't you follow someone who knows how to get there? I knew the what. I knew what we were going to do. I just didn't know how to get there, and I thought I could just figure it out. And of course I didn't, because you can't just figure out everything. Sometimes the only way to learn is to watch someone who knows what they're doing, who knows how to do it. And so here we are in week two of the sermon series Onward, with a message I have titled "Walk This Way." Because just like Joshua and the people of Israel, and just like us today, we need to know not just where we're going — we need to know how to get there. And so this is what we find as we open up Joshua chapter three and Joshua chapter four. We're not going to read the entirety of the two chapters — we're going to read some selections of Scripture from these two chapters. But beginning in Joshua chapter three, verse one — this is Joshua 3:1–4: Joshua started early the next morning and left the Acacia Grove with all the Israelites. They went as far as the Jordan and stayed there before crossing. After three days the officers went through the camp and commanded the people, "When you see the ark of the covenant of the Lord your God carried by the Levitical priests, you must break camp and follow it. But keep a distance of about a thousand yards between yourselves and the ark. Don't go near it, so that you can see the way to go, for you haven't traveled this way before." (Josh 3:1–4, HCSB) I love how practical this section of Scripture is. It's this beautiful thing — it's Joshua saying, "Hey, we're going to follow the ark. We're going to follow God. We're going to follow God where He is leading us, but we're going to let God lead the way. We're not going to jump ahead of God," because sometimes in our lives we try to jump ahead of God's will, and we find ourselves not in the place we wanted to be. Amen? Sometimes we go, "I know what God wants for me," and we find ourselves in a place we never thought we would be — in a circumstance we never imagined we would be in. And here's Joshua, and he's saying, "Come on, we're all going to be ready. You're going to get ready to follow." And the reason you're going to follow is because you don't know where we're going — you've never been there before. There's a French philosopher who said these beautiful words: "If we want to reach new lands, we must be willing to lose sight of the shore.”1 I don't know how many of you have maybe been out on a cruise ship — have you been out on the water? There's something terrifying that happens when you get out in the ocean, and suddenly you look around, three hundred sixty degrees, everywhere you look all you see is horizon. That's a scary spot to be, because if all you have is horizon, you don't really know where you are, you don't really know where you're going. For Joshua, he's saying, look, so much of our wandering, so much of the place we've been stuck in for the last forty years, is because we didn't know how to get out of it. We didn't know how to take the next step. We didn't know how to move forward. And here's Joshua saying: we're going to follow God, and God is going to lead us into a new place. But in order for God to lead us to a new place, we're going to have to walk in a brand-new way. We're going to have to go to a place we have never been before. To put it another way: if we want to reach new lands, we must follow a new path. Church, I want you to hear me when I say this. If we want to reach new lands, if we want to be in a new place, if we want to go where we have not been before, then we're going to have to take a brand-new path to get there. Because all the paths that are familiar to us, all the ways that are known to us, all the directions we are comfortable with, just lead us to the places we've already been. If we want to reach new lands, we've got to follow a brand-new path. We've got to be willing to do some new things and move in a new direction. And if we're honest — new is scary. New is scary, and let's be real: I'm in my forties now, I have three kids, I have teenagers at home. New isn't just scary — new feels sometimes a little irresponsible, because I've got people who are counting on me, I've got kids I'm trying to pay for college for. The older I get, new feels like more and more of a risk. So the older we get, new seems to be a bridge just too far. But God didn't bring us this far just to take us this far — which means it's time for us to get used to new. It's time to get comfortable with new. It's time to get comfortable with the risks that come with new, because we want to reach new lands, and you only reach new lands by following a new path. We're going to skip ahead to verse fourteen — this is Joshua 3:14–16: When the people broke camp to cross the Jordan, the priests carried the ark of the covenant ahead of the people. Now the Jordan overflows its banks throughout the harvest season. But as soon as the priests carrying the ark reached the Jordan, their feet touched the water at its edge and the water flowing downstream stood still, rising up in a mass that extended as far as Adam, a city next to Zarethan. (Josh 3:14–16, HCSB) I want you to track what's happening here. There has been a command from Joshua to the officers for what all the people are going to do: hey, we're going to follow a new path, we're going to go a new direction. And the people are being obedient — the people are saying, "I'm ready, we are ready." They have broken camp. The people are leading. The priests carrying the ark step their feet in the water, and the water stops. Now, here's something to know: the Jordan River is not a large river. If you look at pictures of the Jordan, through most of the year it's about the width of this stage — so crossing it through most of the year is not really a huge deal, especially this far south, because once you get this far south, this is the lowest-lying region on planet Earth. The Dead Sea is just south of here. But it's flood season, so we're not talking about just crossing the stage — we're talking about a flood. In October 2024 (sic) [Hurricane Helene's catastrophic inland flooding in Western North Carolina occurred primarily September 26–28], Hurricane Helene came through Western Carolina and dumped an amount of rain the region had not seen in nearly a hundred years. What happened to all the rivers there? They immediately flooded. The problem is, in any mountainous terrain, you build roads next to rivers, because rivers do what water often does — they follow the path of least resistance. If you're engineering roads, you also want to follow the path of least resistance; otherwise, you're going to spend tons of time, energy, and resources cutting roads into a mountain. So when these rivers flooded, it didn't just flood the rivers — it flooded the roads, it flooded the homes, it flooded the businesses. Suddenly you have this whole area of Western North Carolina destroyed essentially by rain, by floodwaters overflowing these rivers, and you become acutely aware of how powerful floodwaters can be. So we get this detail — this is what the Jordan River was like as they're getting ready to cross. Now again, we've got to be comfortable with new, we've got to get comfortable with the risk associated with new, because let's be honest — if any of us was part of the team with Joshua that day, wouldn't we go, "You know, Joshua, if we could just chill here for another three months, this crossing would be much easier. Joshua, you've picked the worst time to do this — these are flooding rivers. We've waited forty years to do this; another two weeks ain't gonna kill us." That's what, let's be honest, that's what we would say if we were with Joshua that day. But we get this detail, and the reason we get this detail is to understand the power of what comes next: "But as soon as the priests carrying the ark reached the Jordan, their feet touched the water at its edge, and the water flowing downstream stood still." Now, what does this immediately remind you of? [A member of the congregation responds.] Q: And what's your name? A: Gail. Y'all give it up for Gail — Gail had the right answer, come on, that's right. This is the same group of people who, forty years earlier, was fleeing Pharaoh and the Egyptian army, and they get to the Red Sea, and what happens when they get to the water (cf. Exod 14:21–22)? Here they are — an entire race of people, an entire ethnicity of people, fleeing their enslavers, and they get to a body of water they cannot cross. It looks like it's over. It looks like this is the end of the story. Surely the people in that moment are terrified for their lives. But God tells Moses to stand up, and what happens to the waters? They part. Now here we are, forty years later, Joshua leading the people to cross the river — a much smaller body of water, but still a significant body of water in flood season — and the priests are carrying the ark, and their feet hit the water, and when their feet hit the water, a wall of water stands. I don't know about you, but when I am afraid, nothing comforts me faster than remembering how God has rescued me before. The older we get, the harder new becomes. But the older we get, the more testimony we have in our rearview mirror. The older we get, the more we have seen, time and time again: "I didn't think there was a way out. I didn't think there was any hope in this situation, and God came through." How many of us — the greatest testimony of our life is something we would have never asked for, something we would have dreaded if someone said it was coming, and yet we can look back on that season and go, "God, thank You. Thank You for bringing me to it, and thank You for bringing me through it. God, thank You, because now I know what You're capable of." There's this beautiful thing that happens before the people step into a new land, before they take this new path to their new destination, to their new future: before any of that happens, God reminds them of His past faithfulness. Church, we need our memories of God's past faithfulness. We need our memories of God's past faithfulness. We need that. [Addressing the media team.] This is the time for that slide to move on — thank you. We need our memories of God's past faithfulness. We need it. Every one of those stories you have — those stories we call your testimony — every one of those stories of God's past faithfulness, we need them. We need every one. We need the stories from the previous generations of God's faithfulness. If you were lucky enough to grow up with a mother and a father who worship the Lord, then you have generations of past faithfulness to talk about. Some of you in this room know what it's like to have generations and generations go before you, and you can tell the story of God's past faithfulness to those generations. And when you hear the stories of God's past faithfulness, it should not lead you to be afraid. It should not leave you suddenly more conservative in your decision-making. The more you are aware of God's past faithfulness, the more boldness you should have to take steps down a new path to a brand-new destination — because God has proven it time and time again, in your own story, in the story of your family before you, in the story of the generations that have gone before. God has been faithful time and time again, and He's not about to quit right now. He's not about to stop! This should be so encouraging for us, church, because seeing this story is the reminder that God is always true to His promise — He is faithful yesterday, today, and forever. So church, when we find ourselves at a crossroads where we've got to pick — hey, are we going to do the same thing we've always done and end up in the same place we've always been, or are we going to do something brand new? Are we going to have enough faith to take a new path to a new destination? If you're struggling with that today, if you're like me, if you're someone who — the older you get, the more you struggle with that kind of decision — I want to encourage you to take a moment today and just remember God's past faithfulness. I want you to remember the ways God showed up time and time again when people were willing to trust Him enough to follow a new path to a new destination. Joshua and the people of Israel, the twelve tribes of Israel, make their way across the river. Historians disagree on the predicted size of the nation of Israel at this time, but somewhere between eighty thousand and two hundred fifty thousand people is what we're talking about, and they have made the journey across the river. Now, moving across a river, especially when it's dry because the water has stopped, doesn't take forever — but when you've got that many people, it takes a while. It takes a while, and I wonder how many people got to the river, saw the water standing still, and still rushed, still ran — "Hey, it's been hours now, it was good for that tribe and that tribe, but I'd better get working fast, I'd better run my way across this river." The people of Israel make their way to the other side. And before they get out of the river entirely, Joshua orders each tribe to choose one person and send that person back to the riverbed to pull a rock out of the dry place they have crossed on. Joshua orders the people to go back, take twelve rocks, and bring those rocks to the west side of the river. They've crossed from the east side to the west side, and here they are on the west side, and they stack up these twelve stones as a monument. And the monument was not to an event. The monument was not to a thing that happened. The monument was about God's faithfulness. When we turn to Joshua 4:18–24, this is what we read: When the priests carrying the ark of the covenant came up from the middle of the Jordan and their feet stepped out onto solid ground, the waters of the Jordan resumed their course, flowing over all the banks as before. The people came up from the Jordan on the tenth day of the first month and camped at Gilgal, on the eastern limits of Jericho. Then Joshua set up in Gilgal the twelve stones they had taken from the Jordan, and he said this to the Israelites: "In the future, when your children ask their fathers, 'What is the meaning of these stones?' you should tell your children, 'Israel crossed the Jordan on dry ground.' For the Lord your God dried up the waters of the Jordan before you until you had crossed over, just as the Lord your God did to the Red Sea, which He dried up before us until we had crossed over. This is so that all the people of the earth may know that the Lord's hand is mighty, and so that you may always fear the Lord your God." (Josh 4:18–24, HCSB) I want to stop here for a second. Look at the Scripture — "This is so." Now, last week we opened up and talked about the what: it's God coming to Joshua — "Joshua, you're going to lead the people into the promised land, into the land I am giving them as an inheritance. You're going to do it, Joshua." There's the what. We started this week looking at the how: here's how we're going to do it. We don't know the way, so we're following God, and God is going to lead us on a new path to a brand-new land. So we've got the what and the how. But as Simon Sinek would say, the most important thing in your life is not the what or the how — the most important thing in your life is the why. Why are you being faithful? Why are you here in church this morning? Why do you give? Why do you sacrifice? Why do you do the right thing when no one is watching, when no one will ever know if you didn't? What's your why? I love that Joshua hears from the Lord — this is the why: "so that all the people of the earth may know that the Lord's hand is mighty, and so that you may always fear the Lord your God." There's a lie we can get sucked into if we're not careful — the lie that everything God has done in the Old Testament is about giving one ethnicity a place to call home. I want you to know that what God is doing in the Old Testament is so much bigger and so much greater than that, because what Joshua is doing is not about a people receiving this plot of land — it's about the whole earth knowing that the Lord's hand is mighty, and so that we may always have fear of the Lord our God, which is what Solomon will say is wisdom (cf. Prov 9:10, HCSB). God's why in getting a group of less than a quarter million people from one side of the river to the next, God's why in what He's going to do next week as we look at the Battle of Jericho, God's why in everything that happens in the rest of the Old Testament is the same: that all the earth may know the Lord and have wisdom, because the beginning of wisdom is the fear of the Lord. God's why is that the whole earth would know Him and have wisdom. I wonder today for us — we've got a called business meeting right after the church service. There's a lot going on at Yates Baptist Church, and let's be honest, I think there's still some confusion. But what I want to let you know is this: if we focus too much on this, we'll miss the whole story, we'll miss the bigger picture, we'll miss what God has come to do. And what I want to let you know is this: everything God has done in your life, everything God has done in this church, everything God has done in every church that has ever been, has been the same as God's why in Joshua chapter four — that the whole world would know Him and walk in wisdom. God's why is that the whole earth would know Him and walk in wisdom. And I wonder today, if that became your why — if that became your why, that everything you did was so that people could know God and walk in wisdom — how would it change things? How would it change your life? How would it change your choices? How would it change your community? How would God bring dead things to life all around you if we adopted that as our why? I love that Joshua gives the why to the people this way — he says, "In the future, when your children ask you." Do you see what's happening? It's Joshua saying, right now, I want you to prepare yourselves to remember, prepare yourselves to remember what God has done, because the day is coming where the next generation is going to ask you what this means, and you go, "I'm so glad you've asked" — because my why, my motivating factor in my whole life, has been to tell you this story. Let me tell you about my God, and let me give you all you need to begin walking in wisdom. So church, we've celebrated two weeks in a row of children and teenagers spending time in camp, spending formative time in community, hearing more about the God we worship. You've got to be a part of it — you've gotten to be a part of it already, in the last two weeks. In the future, when your children ask, you've been able to send your children to places where all they've done is learn about who God is and how to walk in wisdom. So church, today — are you prepared? Are you prepared to remember what God is about to do? Because the testimony of God's might and His work is not just a story for yesterday — that's a story for today. Tomorrow, you have no idea what God might do. You have no idea what God might do. So the question for each and every one of us: are we prepared to remember what God is about to do — what has not yet come to fruition, but which we see by faith and not by sight (cf. 2 Cor 5:7, HCSB)? I believe that's our why, and I believe if it becomes your why, it just might change the whole world. Let me pray for us. Heavenly Father, we love You, we praise You, God. We are people who have testimony, who have story after story of how You have been good, how You have been faithful, how You have delivered us when there seemed to be no other way. And so God, we are asking the same right now, and we are believing by faith, not by sight, that You are about to do a new thing. Would You give us the obedience? Would You give us the courage? Would You give us the boldness to follow You on a new path to a brand-new future? And would You prepare our hearts now to remember what You're about to do, so that as generations come, we can declare Your faithfulness to each and every generation. God, would You help us to live with a why like Yours, like Joshua's? Would You help us to live with a why that says everything I do is so that the whole world will know Jesus and walk in the wisdom His Holy Spirit provides? Jesus, we pray this in Your name. Amen. Endnote 1 This is a summary of the French novelist and essayist André Gide's words as they appear in dialogue near the end of his novel Les Faux-monnayeurs (The Counterfeiters), spoken between the characters Édouard and Bernard. The standard English rendering, from Dorothy Bussy's translation, reads: "One doesn't discover new lands without consenting to lose sight, for a very long time, of the shore." The French original reads: "On ne découvre pas de terre nouvelle sans consentir à perdre de vue, d'abord et longtemps, tout rivage." Works Cited Gide, André. Les Faux-monnayeurs. Paris: Gallimard, 1925. Gide, André. The Counterfeiters. Translated by Dorothy Bussy. New York: Alfred A. Knopf, 1927. The Holy Bible, Holman Christian Standard Bible. 2004, rev. 2009. Nashville: Holman Bible Publishers. Sinek, Simon. Start with Why: How Great Leaders Inspire Everyone to Take Action. New York: Portfolio, 2009. © 2026 Rob Stone. All rights reserved.

In this newscast: The retrial against a former Juneau chiropractor accused of assaulting more than a dozen women still has no set trial date, nearly a year after the first trial; The filing period to run for a seat on Juneau's Assembly or school baord opened friday, and some residents were itching to enter the races; A brown bear attacked at the Alaska Zoo in Anchorage by another bear last month has been transferred to a new facility, according to zoo staff and the Alaska Department of Fish and Game; Preparations for the Southeast Alaska State Fair are in full swing before its big opening next week.

Share your Field Stories!Laura and Nic interview Dr. Gabrielle Patterson, historian at the Southeastern Grasslands Institute, to explore the forgotten history of America's grasslands, the role of Indigenous fire stewardship, and how historical research can support modern conservation efforts. From uncovering centuries-old journals and maps to finding a career fueled by passion, this episode reveals how the landscapes of the past continue to shape the future of restoration and environmental stewardship.Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Gabrielle Patterson at gabrielle.patterson@segrasslands.orgGuest Bio:Dr. Gabrielle Patterson serves as SGI's Historian, specializing in environmental, natural, and Indigenous history. Her research focuses on the historical distribution of grasslands across the Southeastern United States and how landscapes have shaped human activities over time. She conducts historical and archival research, compiles historical maps, and develops GIS-based analyses to support SGI's mission of saving the forgotten grasslands of the Southeast. Gabrielle holds an M.A. in History with a concentration in Native American History, an M.Ed. in Community College Leadership, and an Ed.D. in Adult and Lifelong Learning from the University of Arkansas. She enjoys golfing, hiking, hunting, traveling, and spending time with her two dogs.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MullerSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players. 

Audio surf report and surf forecast on July 17 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this newscast: A popular downtown Juneau restaurant is now up for sale — but it's not closing any time soon; About a dozen people gathered on the Alaska State Capitol building steps in Juneau this morning to oppose a proposed liquefied natural gas pipeline, while lawmakers inside debated a multibillion-dollar tax break for the project; Juneau's downtown City Hall building will be up for sale soon. One interested buyer is its neighbor, Sealaska Heritage Institute; The latest campaign finance data in Alaska's U.S. Senate race show Democrat Mary Peltola has vastly outraised incumbent Republican Sen. Dan Sullivan; U.S. Immigration and Customs Enforcement has detained a state of Alaska lawyer who is originally from China, according to ICE officials; An Anchorage man died in the custody of the state Department of Corrections on June 21st, according to the DOC.

On today’s program, we’re speaking with Lone Tree Community School District Superintendent Tyler Hotz about an update on the school’s summer projects.

With Constantine Hatzivassiliou—Partner, Certuity Golf taught Constantine Hatzivassiliou how to perform under pressure. Building a nearly $5B multi-family office taught him that the best advisors become the first call when life, not just the markets, gets complicated. In Summary Many advisors spend years mastering investments, but for affluent families, portfolio management is often just the starting point. Jason Diamond welcomes Constantine Hatzivassiliou, Partner at Certuity, to discuss how his journey from aspiring professional golfer to leader of a nearly $5B multi-family office shaped his approach to client service. Their conversation explores why trust is earned long before a crisis, how family office services evolve naturally from client needs, and why the advisor's role increasingly resembles that of a quarterback coordinating every aspect of a family's financial life. The discussion also examines organic growth, referrals, fiduciary advice, private equity's impact on the RIA landscape, and the qualities that allow advisors to become indispensable over decades—not just market cycles. The Storyline Many advisors spend years perfecting investment management. But as clients become more successful, the job changes. The questions become bigger than portfolio construction. A business is being sold. A family dynamic shifts. A tax issue emerges. An estate plan needs updating. Suddenly, the advisor isn't simply managing assets—they're coordinating decisions, relationships, and emotions. For Constantine, that broader role was shaped long before he entered wealth management. As an aspiring professional golfer, he learned lessons about discipline, preparation, and performing under pressure that continue to influence how he serves clients today. Jason and Constantine explore how Certuity grew from approximately $210 million in assets to nearly $5B, not through acquisitions but through referrals and a service model built on becoming indispensable to the families they advise. Constantine explains why he believes the best advisors function more like quarterbacks than portfolio managers, orchestrating the many moving pieces that come with significant wealth. The conversation also examines the evolution of the multi-family office model, the role of fiduciary advice, the impact of private equity on the advisory landscape, and why experience, judgment, and trust remain the qualities clients value most. Ultimately, this episode is about what it takes to become the first call when life – not just the markets – becomes complicated. Topics Covered Lessons from professional golf that translate to wealth management Building Certuity from $210mm to nearly $5B in assets What distinguishes a multi-family office from a traditional RIA Why referrals fuel long-term organic growth Becoming the “first call” for affluent families Fiduciary advice and the evolution of the advisory profession Family office services beyond investment management Private equity and M&A in the RIA space Developing the next generation of advisors Trust, relationships, and lifetime client service > Download a transcript of this episode… Listen and Learn Highlights for Advisors How did professional golf prepare Constantine for advising wealthy families? (3:45) Constantine explains why competing under pressure taught him discipline, emotional control, and process—qualities that now guide every client relationship. How did Certuity grow from $210 million to nearly $5 billion? (8:00) He shares why nearly all of the firm's growth has come organically through client referrals rather than acquisitions or aggressive recruiting. What separates a multi-family office from a traditional advisory firm? (11:45) The conversation explores how expanding into trust, estate, tax, and family office services became a response to client needs—not a business strategy. Why should advisors think of themselves as quarterbacks? (20:00) Constantine recounts a client business sale that fell apart at the closing table and explains why advisors often become the person holding everything together. How does Certuity view private equity and acquisitions? (36:20) Jason and Constantine discuss when outside capital can make sense—and why Certuity has chosen a different path centered on client alignment. Why do wisdom and experience still matter in an AI-driven world? (29:30) Despite advances in technology, Constantine argues that judgment, trust, and perspective remain the qualities affluent families value most. Key Takeaways High-net-worth clients increasingly value coordination, judgment, and perspective over investment selection alone. Family office services often evolve naturally as advisors respond to increasingly complex client needs. Sustainable organic growth is rooted in trust, which explains why referrals account for the overwhelming majority of Certuity's new business. Golf and wealth management share the same disciplines: preparation, emotional control, patience, and executing under pressure. The most valuable advisors become trusted partners during life's defining moments—not simply portfolio managers. Technology continues to reshape wealth management, but experience and wisdom remain difficult to replicate. Building a lasting advisory business requires investing in culture, succession, and the next generation of talent. https://youtu.be/m72Hq6bMTo4 Quotable Moments “The best advisors aren't simply managing portfolios. They're the first person clients call when life gets complicated.” “A bad shot in golf is the equivalent of a bad day in the market. You can't let one dictate everything that comes next.” “More often than not, we're not just financial advisors—we're financial therapists.” “Growth gets the headlines. Trust is what makes it possible.” FAQs What is a multi-family office? A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Why has Certuity grown primarily through referrals? Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. How does golf relate to wealth management? Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. What is Constantine's perspective on private equity in wealth management? While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. What qualities distinguish exceptional advisors today? According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. Related Resources Emotional Intelligence: The “Untouchable” Differentiator in an AI World Intentional Growth: How Top Advisors Build Businesses That Last The 10 Characteristics of the Most Successful Teams Constantine HatzivassiliouPartner  Constantine Hatzivassiliou is a Partner at Certuity, a nationally recognized multi-family office serving affluent families, entrepreneurs, executives, foundations, and endowments. He advises clients on the complex financial, tax, estate, and business planning decisions that accompany significant wealth, helping families coordinate all aspects of their financial lives through a comprehensive family office approach. Drawing on more than two decades of experience, Constantine works closely with successful business owners, corporate executives, and multi-generational families to simplify financial complexity and align investment management, tax planning, estate planning, philanthropy, and family governance strategies. As a Certified Exit Planning Advisor (CEPA®), he frequently assists entrepreneurs in preparing for liquidity events, business transitions, and the long-term stewardship of family wealth. His clients often view him as a trusted advisor and strategic sounding board, helping them navigate important financial decisions with the perspective of both a family office professional and a coach. Prior to joining Certuity, Constantine held advisory and banking positions with The Bank of New York Mellon, Bernstein Global Wealth Management, and Pacific Mercantile Bank. Before entering the financial services industry, he was a Golf Professional and member of the PGA of America, experiences that continue to shape his disciplined, competitive, and relationship-focused approach to advising clients. Outside of his professional responsibilities, Constantine is passionate about mentoring young athletes and strengthening the communities in which he lives and works. He serves as a Board Member of Coerfontaine Football Club (CFC), a premier youth soccer organization focused on developing young athletes and helping them pursue collegiate and professional opportunities while fostering leadership, discipline, and character. He also serves as Chair of the Safety and Security Committee for Parkland, where he works alongside community leadership to enhance resident safety, security, and quality of life. In addition, Constantine is a Founding Board Member of The Boardroom, a private membership organization focused on fostering meaningful relationships among business leaders, entrepreneurs, and professionals through networking, education, and philanthropy. Born in Greece, Constantine spent his childhood in Montreal before relocating to South Florida. He attended the University of Florida before earning a Bachelor of Arts in Economics from Florida Atlantic University, where he graduated with honors. He holds the Certified Exit Planning Advisor (CEPA®) designation. A lifelong student of the game, Constantine remains active in golf and is a member of Muirfield Village Golf Club, founded by his longtime  hero and mentor, Jack Nicklaus, as well as Parkland Golf & Country Club. Constantine resides in Parkland, Florida, with his wife, Stephanie, and their two children, Nicholas and Olivia. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. Episode Transcript Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing $1 billion or more who change firms are our clients. Our process is education-driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report, it’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions, download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I want to talk more about the growth because that’s remarkable. But before I do, can we double click on the service model? So, I would say the most typical we hear, I think more of our guests typically come from the wirehouse world where it’s I have my book, you have your book. What does your service model look like? So, is it truly, if it’s working well from the end client perspective, you should be interchangeable with your partners and it’s a true team approach? Constantine Hatzivassiliou: How we engage our clients, the theory should be I can get hit by a bus tomorrow and outside of the client not being able to speak to me directly, they will not have a hiccup in any way, shape or form. And when we’re dealing with families across multiple generations, the way we’ve built our platform, that continuity is critical in the engagement process for the clients hiring us to help them through all of the challenges that they face. Jason Diamond: What’s your sweet spot in terms of client size? Constantine Hatzivassiliou: Our average client size today has just shy of eight million AUM with us. We have some clients who have $1 million certainly but they’re strategic in that their friends, their family, they could be centers of influence who help send business our way because they value what it is that we do and there’s a strategic partnership because we might need them for their trust and estate services or their accounting work and they have clients who have a need and we’re on the short list of people they refer to. Jason Diamond: That they trust. Yeah, makes sense. So, I’ve seen this in the news and also even on your own internal materials, I’ve seen you described as both a modern multifamily office, you’ll also obviously hear the term RIA as well. Does that distinction matter at all? And maybe my second part of that question would be what is the distinction between that space, whatever you call it, and the more traditional firm world from a client service perspective? You mentioned that all of your partners from that world. Constantine Hatzivassiliou: I started in this industry truly at an institutional level at Bernstein in New York and, for anyone who knows Bernstein, they really do brainwash you on the fiduciary model and the values affiliated with that philosophy has translated through my career at BNY Mellon which has a very similar feel as Bernstein. And then, when we came here, we instilled that same core value principle of fiduciary responsibility for our clients so we are very different than a traditional wirehouse or brokerage house, it is why we’ve grown so successfully. I would never, one, work for an institution that did bide by those standards and, secondarily, I wished Congress and Senate would turn around and actually implement a mandatory fiduciary liability for all financial advisors because, far too often, we see prospective clients or families get taken advantage of because the individual sitting across from them giving them financial advice is not necessarily aligned with their goals and objectives. Jason Diamond: So, I take it you are fee only. Constantine Hatzivassiliou: We are fee only. Jason Diamond: Yeah. I don’t want to lose the thread on the first part of my question. Do you think there is a distinction between a multifamily office and an RIA? I don’t want to lead you here but to me it implies a different level or different caliber of service model that probably includes more of the ancillary trust and estate and CPA type stuff that higher network clients need but curious what your thoughts are. Constantine Hatzivassiliou: Our first seven years at the firm, we were strictly an RIA, we functioned as an advisory service provider to our clients. What attracted me and my partners to Certuity was the nimbleness of the firm. So, for instance, at BNY Mellon, we often deemed a change necessary as moving an aircraft carrier across the world but it was an impossible task to accomplish. But when you’re small and nimble and clients come to you with a need and you’re in the service, ultimately, first and foremost, it made sense for us to start building out family office services for our clients because they had a need and we found it as a way to centralize everything because, far too often, when the communication standards break down between all the individual parts, one, it’s more expensive for the clients and, two, the process isn’t efficient, things get missed. So, we tried, largely due to our growth, to bring everything in house and our clients appreciate that for it. Jason Diamond: So, this is not a chicken and egg situation, this is very much we had large clients, we were attracting large clients and, in order to service them optimally, here’s what we felt we needed to build. Is that fair? Constantine Hatzivassiliou: 100%. Jason Diamond: Let’s shift gears, I need to go deeper on the professional golf thread a little bit. I promise I won’t make the whole interview about your golf background. I’m curious if you feel like that experience or that, I don’t know, upbringing or, I guess, background laid any foundation for the way you engage with clients today or the way you operate as a business leader today. Constantine Hatzivassiliou: So, there’s a couple parts to that. The golf side, certainly, just from an engaging client perspective, 90% of our clients are golfers. Jason Diamond: It’s very true. Constantine Hatzivassiliou: Right. It just helps because of our background and certainly with some of the clients and partners that we have at the firm, golf is a critical thread in what we do. However, when it comes to golf, what I learned playing golf at a high level directly translates to how we manage money for clients and I’ll express it this way. There’s generally two types of golfers, there’s the artist, the Sergios of the world who don’t fundamentally function off of specific points in their swing or a very structured platform, they see something, their mind becomes creative and they execute on it. I was never that way, I am a numbers person, I think everything analytically, I break everything down to the minute, everything is strategized and organized, I was taught to practice that way by Coach Alexander at the University of Florida and that foundational element seemed easy, it worked. If you practice properly, you’ve succeeded. Under pressure, all those hours and hours of repetition translated to success more often than not. In our industry, it’s process-driven, it has to be unemotional. A bad shot in golf is the equivalent of a bad day in the market, you can’t let one bad day in the market influence everything you do for the next year. Same way on the golf course playing in a tournament, you can’t allow one golf shot to affect the rest of the round. We kid with our clients oftentimes that, while we are fundamentally their financial advisor, more often than not, we’re their financial therapist. We have to control their emotions and make sure they’re not making an irrational decision. For instance, a couple days ago we were out with a client the day that Iran shot down one of the US military helicopters and we’re sitting down at lunch and, all of a sudden, his phone starts blowing up because he’s getting all these Google alerts to the market heading in the wrong direction and he had to go do a life insurance test later on that afternoon. So, all week, he had prepped and he was calm and he was relaxed, he was really excited, he’s, “My wife is setting me up with a new insurance policy and I know it’s for her benefit but all my numbers look good, I’m going to ace this and my premiums will be really low because of it,” it was a $25 million policy. And as he’s looking at his phone and he sees the market collapsing in his mind, his blood pressure rose to no end, you could see that his anxiety level went through the roof and, had I not been there with him at the time to hold his hand through that process, his afternoon would’ve been shot. I would’ve got a phone call saying, “What are we doing to prevent 2% loss in my portfolio,” because that’s how he thinks and, in that moment, I was the therapist to talk him off a ledge. It’s so hard for individuals to manage the stress of the markets, that golfer mentality of, okay, just breathe, relax, let’s see what’s going on, let’s make an educated, confirmed decision, let’s circle back with our caddy if we’re on tour and competing and make a unified decision for the long-term success of the goal that we’re trying to achieve. And what we do every day is the same thing with our clients. Jason Diamond: It’s an incredibly thoughtful answer, I expected a version of the latter part of your answer. I appreciate that you added the part about just most clients like golf, enjoy talking about golf, enjoy playing golf and it’s an effective business development tool, there’s no question. Constantine Hatzivassiliou: So, I have two kids, a 12-year-old and an eight-year-old, my son who’s 12 who’s an exceptional soccer player and wants to, aspires to play professionally one day has now fallen in love with golf which I’m ecstatic about. I think golf and tennis, from a business development perspective- Jason Diamond: Yeah, lifelong sports. Constantine Hatzivassiliou: And I look at it now and my mentor when I started in the business was absolutely right. The fact that I could get a CEO of a Fortune 100 company to want to actively spend four hours with me where we could dive into the weeds about their personal life, their financial situation, their business, you could never get that time otherwise. I urge everyone who’s coming out of college or is going into college who wants to aspire to be in any type of sales related role, golf is a great venue to make long-term relationships. Jason Diamond: And importantly, tennis is not as good on the knees long-term or the back long-term. So, you stick to golf, you get a little more longevity out of it. Constantine Hatzivassiliou: It does help, yes. You’re right. Jason Diamond: My thought always goes to people call it the 15th club in golf, just this mental element of the game and to me it’s the clear moment in golf that always comes to mind for me is the 72nd hole. I don’t know if you just watched the US Women’s Open but Nelly Korda standing over a two-foot putt that I really thought she missed, is there an equivalent of that moment? Are you ever able to recreate that pressure in your current role or is that something that you miss? Constantine Hatzivassiliou: Jason, we have those moments weekly, countless stories. Here’s where I love my job. I’ve transitioned from being the guy behind the screen who is just trading accounts, that’s where we all start and you have to have that foundational perspective of what’s involved in trading an account on a daily basis. Not that we ever picked stocks to an extensive level, we were generally managing ETFs, mutual funds and strategies but I’ll give you an example. So, just last week, we had a family and this is where the family office side comes in more so than the financial advisory services come in. We had spent four months in helping a family sell their business, it was a life altering moment, the dad started the business, the dad had been independently successful, net worth of well into eight figures, was happy and content, brought his son into the business, son was brilliant, saw an opportunity within the business and grew the business by 4,000%. Jason Diamond: Literally? Constantine Hatzivassiliou: Yup. All because of this, the son saw a different direction and pivoted the business and grew it out and here he is, getting ready to have their first child and he gets approached by a firm to acquire his business. They’re ecstatic, the number was perfect, I thought it was overvalued, I was telling them that there’s no way they could turn it down because the number was too significant. Had they gone to the market, they would probably never achieve that level of return. And literally, the day of closing, as we’re expecting the wire to come through, the deal gets pulled. So, here you have the father who’s crushed because he was trying to provide something for his son, the son who’s just devastated because he now was preparing for the second stage of his life and you go through at that stage the classic stages of grief, it’s the cycle that goes through it. I was holding their hand through the three-month process up to there, every day, hourly calls, strategizing, building everything out, organizing the accounting team, organizing the attorneys, getting it all to work out. And here I am, father and son, unbelievably stressed, you have the wives in the background who can’t quite comprehend what’s going on, you have employees beneath them who are now confused as to there was a transition getting ready to take place and the only person who can step in under that critical moment to bring everybody back together was me. So, here I am thinking, 20 years ago, I’ll just pick stocks and bonds for individuals but now I’m in the middle of deal flow trying to help a family solve the issues that arise. So, those are hugely critical- Jason Diamond: Yeah, that’s right. Constantine Hatzivassiliou: …moments where, because our clients are our friends and family, we care for them like they’re our own, you become emotionally attached. And the same pressure that I felt when I won my first mini tour event after college, when I had to get up and down from the impossible bunker shot and I hit it to six feet and I made the crucial put to win my first $23,000 check which I thought was unbelievable, they gave you those big old-fashioned- Jason Diamond: The Happy Gilmore checks. Constantine Hatzivassiliou: Exactly, right? It was the greatest day at that time. The stress of being in that bunker trying to hit that shot is the same stress I felt having two phones ringing, one the father, one the son where we have to keep that situation separate. So, you’re diving into unbelievably stressful situations and the best part is, when we get it all solved and literally yesterday we solved the entire dynamic of the business, I get a text from the son saying that this was the most incredible rollercoaster experience he’s ever experienced, that he’s incredibly grateful for all that I did and our team did for him and that, for the rest of his life, we will always be the first person he calls to solve any of his problems. So, for us, that’s the recreation of that stressful moment and then the victory on the back end. Twenty-five years ago, I got the big Happy Gilmore check. Yesterday, I got that text which I’ve printed out and framed and have it in my office as a constant memory of why it is we do what we do. Jason Diamond: And I would bet that’s more impactful than the $23,000. It’s an incredible story and I’ll tell you why, you said it but it’s as far away from stocks and bonds as you could possibly get. But I think, most advisors, a story like that resonates much more. It leads into my next question. You intentionally choose to service a high net worth segment of the market and I would assume that number’s probably creeping up, not down over time in terms of who you service. My thought is that’s a very competitive segment of the market as well. Is this how you differentiate is just you make it about those types of human examples or is there more to it? Constantine Hatzivassiliou: I’m envious of the advisor who could walk into a room of 200 people and they become the central focal point of the room where they can walk up to every single person and fearlessly ask them incredibly personal information, I’m not wired that way. For me, I’m very much the individual that I will find the one person that I have common ground with, I will deepen that relationship and I will add value and, because of the value that I create, I become a critical component of that individual’s success. And that’s how we’ve grown our business holistically at the firm largely buy that extra layer of service. We’re a commodity business. Being in South Florida, the clubs that I belong to, 10 to 15% of the members feel like they’re financial advisors. You could throw a rock anywhere and find a financial advisor so how do I differentiate myself? The only way I can truly differentiate myself and my firm is the level of service we provide, to go that extra step. To where, when we’re calling a client, they know I’m calling them to support their needs not because I’m seeking something for any ulterior motive. Jason Diamond: But you don’t mention financial planning or investment management or asset custody. Is that because I assume just that’s table stakes? Of course we do that but … Okay, yeah. Makes sense. Constantine Hatzivassiliou: That’s the easy part, right? That’s foundationally … And to your earlier point, you were asking the RIA model. One of the biggest challenges that we had down here in South Florida was the RIA model is new. If you were in the northeast, RIAs are very common, out west, incredibly common. Down here in South Florida, I just finished dealing with Bernie Madoff. Jason Diamond: You were fighting the good education fight a little bit. Constantine Hatzivassiliou: At Bernstein, 108 of our clients had assets with Bernie Madoff. Jason Diamond: Yeah. Constantine Hatzivassiliou: So, when you leave, one of our biggest growing curves as an RIA in South Florida was, when you leave the power of BNY Mellon or Bernstein and you’re some random little shop called Certuity, no one knows who you are. So, there was a big part of our education in the business was learning how to educate clients and prospective clients on the value of the RIA model and the fiduciary model in particular. Jason Diamond: Could you give me the 30-second answer to that if somebody says who are you, your prospect? I’ll tell you why I ask. Forget just Bernstein’s and BNYs of the world, a Morgan Stanley advisor or Merrill advisor has the exact same fear. I’m leaving Merrill to go launch Jason Diamond Wealth Management, my client’s going to say, “Well, who is that?” So, give me the quick pitch. Constantine Hatzivassiliou: Your typical broker, let’s say, you’re not really hiring JP Morgan, you’re not really hiring Wells Fargo, you’re not hiring Goldman Sachs, you’re hiring the advisor who works for that institution. Now, yes, that advisor has the Rolodex of data and information available at the firm level but, ultimately, you’re entrusting that individual to make your decisions for you. The broker who leaves the brokerage model to open up their own brick and mortar operation has to then decide are they continuing down the wirehouse brokerage model where they’re transactional in nature, the economics behind that, far more profitable. The revenue streams affiliated with a brokerage house drastically blows us out of the water. But then you have to also look at yourself in the mirror so how are you running your book of business, how are you running your practice. So, to answer your 30-second question, the RIA model, in my opinion, is truly the only way any family of wealth should proceed with an advisory firm because you want an individual who is aligned in your goals and objectives. Our clients know that I’m their chief financial officer, I work for them. They task us with building out a financial strategy that is customized to their individual needs and they never have to worry do I have an ulterior motive as to why I’m presenting an option in that strategy. And, because of that, the fiduciary model, I think, is critical for our success as a firm and, again, as I mentioned earlier, I wish it’s something that was industry well and not the vast minority. Jason Diamond: Yeah. No, that’s a great answer. So, do you think then that, as time has gone on, this has gotten easier? I assume the answer is yes either because more clients are aware of your brand and/or more aware of the space as a whole. Constantine Hatzivassiliou: The first thing that helped the most was some gray hair. When I started at Bernstein, I attempted to solicit new clients very much the same way I do today. But when I was 26 years old and I’m sitting in front of a family worth and the dad was in the 70s and he lived his life and I’m younger than his kids, he would look at me and say, “What do you really know? What experience do you have?” So, doing this now for as long as I have, the number one thing that has helped me the most in growth is just wisdom and time. Without that, yes, you can be a rockstar stock picker. We have so many kids coming out of college today with the advent of AI and technology that have algorithms that could run unbelievable portfolios and there is a segment of the market who wants to hire and engage those individuals but, generally speaking, the families that we service, that is 10th or 12th on the list of importance. Jason Diamond: No, I think that’s spot on. I think most high net worth clients counterintuitively agree with that, that alpha, for lack of a better term, is really not the name of the game or not in the top five reasons why you would engage with a financial advisor. Constantine Hatzivassiliou: Agreed. The biggest thing that we’ve been doing to educate clients especially in today’s environment, I had a call yesterday with an individual, a client who lives in New Jersey who works out of New York for a hedge fund, he knows our space incredibly well. He’s one of those kids, 28 years old, brilliant, as smart as you’ll ever be but his tax bracket is atrocious. He is paying so much of his W-2 income in taxes and building out a strategy that can reduce his tax liability by several hundred thousand dollars a year far exceeds any alpha I can generate by picking a top decile performer. Jason Diamond: What was the strategy? Move to Florida? I’m just kidding. Don’t answer that. Constantine Hatzivassiliou: We offered that but, unfortunately, he has to be physically in the office in New York City but yes. Jason Diamond: I think that will resonate, by the way, your gray hair comment. I appreciate the humility and the modesty in that because, the reality is, one of the questions I was going to ask you about was next-gen talent cultivation. In my opinion, this is a hard game for younger folks for that reason. People sit across from other people with a lot of money and they say, “Why am I going to entrust you with my life’s work when you just don’t have that degree of experience?” I was asking more even about your firm success and your firm story, have you felt like that’s caught on more? Do you have more brand awareness, if you will, now when you go to a prospect meeting or do you think you’re still constantly fighting that education fight? Constantine Hatzivassiliou: So, first part, brands, it’s improved in our immediate network. In our little bubble of the world, yes, it’s known. Let’s call it, in South Florida the influential attorneys, the accountants, the divorce attorneys know who we are because, having been down here long enough, we’ve had opportunities to work together. Our network of friends, certainly, the word spreads. But in the grand scheme of things, we are so small in the South Florida landscape or the LA landscape or the New York landscape so any incremental gain that we pick up is meaningful. And then, as it relates to young talent, our success is completely, long-term, derived by the young talent that we bring in to nurture them to help them grow. I look at our success, two of our critical mentors and board members of our firm are in their 80s, their children and grandchildren, nepotism aside, whether it was interning while in college or coming to work for us after school, they’re our best employees. And our goal as a firm, just like how I was offered the opportunity to become a partner and own a piece of the business, our goal long term will be to transition the business to this younger generation that we’re developing. I look at, again, those two board members who are in their 80s, the advice they’ve given me is don’t ever stop working, you have to be doing something. And I turn to them and say, “I don’t work every day.” I put in 20 hour days, well, not quite 20, 18 hour days but it’s never work because, what I do every day, I don’t deem it work, I love what I do, I don’t ever see myself stopping. Because they’ll tell me all of their friends that have stopped working or sold their business, invariably, the men die within six months because boredom and we always joke around that you’ll continue to work forever. So, I would hope that one day I transition into that advisory board member role where I step aside day-to-day activity where I’m now a mentor to our younger generation that we’re promoting into partners because we’ve made promises to our clients that we will forever be their family office. So, we have to, as part of our growth model, have those transitions in place because we’re servicing many families that have 85-year-old clients and two-year-old clients and we’re tasked with the two-year-olds as well as the 85-year-old. Jason Diamond: I also feel like there’s a little bit of younger generations I think have been reluctant to some degree to get it, you can disagree with this, to get into this space because there’s a more appeal to things like investment banking and sales and trading to some degree. The other problem obviously you alluded to is asset gathering. Your model speaks so clearly to success because you don’t say I own the client, that’s my relationship. To me, you plant the seeds of being able to handle succession much better than somebody who does the mine is mine and yours is yours approach. Is that fair? Constantine Hatzivassiliou: That’s completely accurate. And I think there’s two types of people that serve in the financial advisory space. You have the individual who is analytics driven, who likes being behind the bank of monitors trading account and there’s a critical part of our firm and our success is driven by the team in the office that aren’t necessarily client facing that do all the heavy lifting every day because they’re really doing the heavy work. Myself, my partners, the select few, while talented and able to do that, realize the value that we present is quarterbacking the relationship and helping understand all the components. We kid around that we’ve all stayed at a Holiday Inn Express last night, we’ve become experts in tax, we’ve become experts at trust and estate planning, we’ve become experts at divorce, we’ve become experts at the medical field. It’s shocking how it’s 2:00 in the morning and you get a phone call, panic attack by a client saying they need a doctor for X, Y and Z, can you connect me. So, the younger generation, yes, the sexy space is investment banking and that is really hard work. I could not do what my friends at Goldman do who are at these private mid-market funds, that’s just not me. I’ve been fortunate that I stumbled into an avenue in financial services that I think perfectly fits my personality and my want and desire to help others because that’s what we’re driven by and we try and hire people with that same mindset. The hardest thing as an RIA especially in South Florida is finding and retaining talent that is like-minded and that could function well within our family. Jason Diamond: If you build a firm predicated on culture and client service, I understand, certainly, the importance of that. I want to shift gears, I don’t want to lose this thought. You mentioned organic growth, it’s incredible. You have not mentioned inorganic growth at all and maybe because you haven’t had to but give me your thoughts on M&A, private equity in this space, do you have plans to sell the business, take on a capital partner, buy other RIAs? Constantine Hatzivassiliou: Yeah. So, I understand why private equity in the last 10 years has come into the market. For years, they bought up insurance practices, that recurring revenue, sticky assets, it makes sense. Personally, I’m not a fan of them being in our markets, I think they’re motivated at the end of the day by AUM growth, revenue growth and the second transaction which, for most of our clients, would not make sense because, again, that then questions why it is that we’re motivated to do something. Am I taking extra risk in the portfolio because I want to grow the AUM because I’m looking to sell in a year? Am I bringing in a strategy that has a higher fee? For us, it doesn’t work. In the brokerage model, it makes perfect sense. Now, there are some RIAs who leave the wirehouses, open up an RIA shop, do really well for their clients but don’t have the long-term aspirations of making the institution a legacy to where they’re passing it off. I hope my kids one day want to come work for dad and follow in his steps, that’d be amazing. Just like our younger generation working at the firm, our goal is we’ve already targeted the three or four guys that will be partner one day and we’ll transition the business over to them. But it’s okay if there’s an RIA out there who doesn’t have that transition product or isn’t motivated by that and is looking at it as a vehicle that I’ve built a really good successful book of business and I want to now retire and spend time with my family and kids and travel, et cetera, and that’s where PE steps in and offers an attractive number and the person makes their move. So, I can’t fault the individual for wanting that and I’m not saying that they’re not doing well by their clients, it’s just, for us, I’m not a fan of it because, again, I’m first critically and always focused on what’s best for the client. Jason Diamond: Fair. And I largely agree with some of what you said around private equity in this space but private equity enables … Obviously, it’s capital so which enables acquisitions which is why a lot of firms take on private equity. So, what about the idea of potentially buying businesses to start up inorganic growth? Constantine Hatzivassiliou: We have gone down the road of acquiring other institutions potentially. The challenge is, because we manage money so uniquely and our approach is so different, I’m not going to bring on an institution or bring in a new partner to the firm or a new book of business that we’ve acquired if the methodology and the life of that book doesn’t mirror ours. So, yes, there is opportunities to grow through acquisition, it’s not something that we are leaning on heavily. However, for the right institution that’s available that is aligned with our thinking, whose clients would value and appreciate how we do things or, if that institution is doing something truly unique that we would want to bolt onto our platform, all day long because, again, for the benefit of the client, it makes sense. So, yes, there are opportunities for that. Too often we find that, when a book is available for acquisition, the highest bidder tends to win out and we don’t have the deep enough pockets to write a multiple that we don’t deem to be, let’s call it, market neutral. Jason Diamond: Yeah, market prudent. I understand the premise and I think that’s fair. I also think you have the luxury, because of your organic growth, you can be super, super picky about inorganic and I love how you bring it all back to the lens of the client. Can this improve the client experience in some way? And, if so, yes, we’ll take a look. I got time for one more question, I can’t believe time has flown. You’ve had a remarkable journey, professional golf now partner at a $4 billion plus on the way to $5 billion RIA multifamily office. What are you most proud of when you reflect on your career journey? Constantine Hatzivassiliou: What am I most proud of? To see what Rich, myself and Mark and Jayson built over these years from where we were sitting in a small conference room, struggling to figure out how do we find a way to hire a trust and estate attorney to help with that component, which CPAs do we bring on board in-house because clients have a need. So, the entrepreneurial spirit involved in growing the business, the late nights, the struggles, the banter back and forth, to put so much blood, sweat and tears into this and now to look at all that we’ve accomplished, being in four separate states with offices, having so many wonderful employees that have come to us from all over the world, Germany, from China, from Tokyo, bringing people in to the US and building out something that, when we leave at the end of the day, are incredibly proud of. My father’s no longer with us, for 50 years, I always strived to make him proud because he never told me that he was proud of me, he was the classic Greek old-fashioned dad. I think he looks down on his now for everything that we’ve built and would say that he’s proud of us so, for me, that’s the best. Jason Diamond: Yeah. That’s an incredible place to end. Thank you for sharing that, it’s a touching place to end and I appreciate you being open. Thank you. This has been one of my favorite episodes, your journey, your humility, your honesty, your transparency, it’s no wonder you’ve built a business you’ve built. So, thanks for joining us, Constantine. I look forward to having you back on to talk about the next chapter. Constantine Hatzivassiliou: Thank you. Next time we’ll do it from the golf course. Jason Diamond: Oh, absolutely. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.   Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing $1 billion or more who change firms are our clients. Our process is education-driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report, it’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions, download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I

Mark Wertz, Langley Speedway Late Model racer, previewing the upcoming “Hampton Heat”; Colby Quick, American All-Star Series race winner; and Tanner English, DIRTcar Summer Nationals Champion are this week's guests

In this newscast: A Juneau non-profit is looking for local childcare providers to offer after-school care at two elementary schools that lost the service in recent years; The Juneau Police Department is seeking the public's help in locating the person who submerged a truck in Gastineau Channel near Douglas Harbor early this morning; Processors are paying more for commercial salmon this season than in recent years, and it has to do with international markets; For Tongass Voices, Xeetli.éesh Lyle James talks about learning and teaching Lingít for more than two decades.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

In this episode of the Charity Matters Podcast, we sit down with Julie Coyne, Founder of the Southeast Community Foundation, to explore how a childhood battle with polio and the kindness of others shaped her lifelong commitment to serving children. Julie shares why helping students build confidence is just as important as improving reading and math skills, the difference between career success and finding your true passion, and how investing in one child can change the future of an entire community. This inspiring conversation is a reminder that lasting impact begins when we choose to truly see and believe in others.

Audio surf report and surf forecast on July 15 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this newscast: A Juneau artist's design will be printed on bear garbage cans downtown. Crystal Jackson's painting of bears frolicking on a rainbow background is the winning artwork in a contest to decorate 44 new bear cans; A cruise ship dock and development project planned for downtown Juneau will be scaled down by more than half its original size but will cost an additional $100 million dollars; Juneau's off-road vehicle park, years in the making, could open its first trail as soon as this September; An AI-generated story of a beluga whale escaping the Alaska SeaLife Center in Seward received millions of views across social media last month. The center quickly issued a statement confirming the story was false. But the incident highlights how AI-generated content is becoming harder to identify. And for organizations like the SeaLife Center, how false information can harm their reputation and credibility; What does it mean for Alaska to get the maximum benefit from its resources?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

Welcome to The Turf Zone podcast. This episode bids farewell to Funchess Hall, where Auburn turfgrass grew its roots. For many members of the Alabama Turfgrass Association, just hearing the name Funchess Hall brings back a flood of memories. Maybe it was hustling to class with a cup of coffee in hand, late-night study sessions before a soils exam, or learning turfgrass management from professors whose lessons still shape your career today. Funchess may never have won awards for beauty, but for generations of Auburn turfgrass students, it was something far more important — home. Since 1961, Funchess Hall served as the heart of Auburn University's Turfgrass Science program. Although the turfgrass program was already more than three decades old when the Department of Agronomy and Soils moved into the then-new Funchess Hall, over the next 65 years it grew into one of the South's premier turfgrass education programs. Auburn graduates manage golf courses, athletic fields, sod farms and landscapes across Alabama and beyond. Inside those well-worn classrooms and laboratories, students learned everything from weed science and irrigation design to soil morphology and turfgrass pest control. More importantly, they built friendships, professional connections and memories that lasted long after graduation. Now, the end of an era has arrived. This summer, the Departments of Crop, Soil and Environmental Sciences, Horticulture, and Entomology and Plant Pathology are officially moving out of the “infamous” Funchess Hall and into Auburn University's brand-new STEM + Agricultural Sciences Complex. As of late May, faculty and staff are packing decades' worth of research data, teaching materials and Auburn history into boxes, preparing for a full transition by August 1st. Once renovations to Comer Hall are complete in Fall 2026, the demolition of Funchess Hall will be scheduled. Fittingly, the move is happening during the quiet of summer semester — one of the few times campus slows down enough to reflect on the past while preparing for the future. And what a future it is. Auburn's new $224 million STEM + Agricultural Sciences Complex is a stunning 265,000-square-foot facility located at 305 W. Samford Ave (part of the former Hill Residence Hall site). The three interconnected buildings will house departments from both the College of Agriculture and the College of Sciences and Mathematics, creating opportunities for collaboration unlike ever before. The new facility includes state-of-the-art research laboratories, modern teaching laboratories, collaborative student spaces, teaching gardens and even specialized research areas for aquatic animals and insects. For turfgrass students, it represents a major investment in the future of the industry and the continued growth of Auburn's nationally respected program. Of course, while the building may change, the Auburn Turfgrass Management program remains rooted in the same hands-on philosophy that makes it special in the first place. Students pursuing the Turfgrass Management track still earn a B.S. in Crop and Soil Science while gaining practical experience from internships and the Auburn Turfgrass Research Unit just a mile from campus. They'll continue learning the science and management principles needed to become leaders in the turfgrass industry throughout the country. But now students will be based at one of the most advanced agricultural teaching facilities in the Southeast. For alumni, there is a lot of nostalgia in saying goodbye to Funchess Hall. Those green tile walls, aging classrooms and scuffed floors told a story of hard work, tradition and learning. But Auburn has always been about more than bricks and mortar. The spirit of the turfgrass program — the people, the passion and the Auburn Family — is moving right along with it. So while Funchess Hall may be a distant memory soon, its legacy will continue to grow in every superintendent, sports turf manager, researcher and industry professional who once called it home. And somewhere inside that shiny new building, another generation of Auburn turfgrass students is about to start making memories of their own. The departments moving from Funchess Hall to the new buildings are planning a “Farewell to Funchess” celebration on campus during the fall 2026 semester. Watch alumni mailing lists and social media for more information as details are worked out. You have been listening to The Turf Zone Podcast. Follow The Turf Zone on X, Facebook and LinkedIn for all things turfgrass, featuring podcasts, magazines, events and more. The post Farewell to Funchess Hall, Where Auburn Turfgrass Grew Its Roots appeared first on The Turf Zone.

This week on The Transfix Take, Jenni Ruiz and NFI's Justin Maze unpack a freight market that's holding steady on the surface, but showing signs of change underneath. With shippers rushing to front-load inventory ahead of looming tariff deadlines, import volumes climbing, and uncertainty surrounding the future of the USMCA, the conversation explores where those pressures could begin showing up across the domestic freight market in the weeks ahead. They also break down this week's jump in diesel prices, why tender rejections continue to hover around 16%, what flat national rates really signal, and how seasonality is shaping conditions across every major U.S. region. Plus, what brokers should be watching on the West Coast as imports rise, why the Southeast continues to loosen, and how California's soaring fuel costs could ripple through capacity and the spot market. -- Disclaimer: All views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Transfix, Inc. or any parent companies or affiliates or the companies with which the participants are affiliated, and may have been previously disseminated by them. The views and opinions expressed in this podcast are based upon information considered reliable, but neither Transfix, Inc. nor its affiliates, nor the companies with which such participants are affiliated, warrant its completeness or accuracy, and it should not be relied upon as such. All such views and opinions are subject to change.

In this newscast: Juneau's new off-road vehicle park could partially open as soon as this September; One of Juneau's most dangerous intersections, near Fred Meyer, will get a traffic light thanks to a federal grant; Sorely needed renovations at two affordable housing complexes in Juneau come with challenges for tenants; A new study suggests having a dog could more than double the chance of a bear conflict

Audio surf report and surf forecast on July 13 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Sam Nebel is the Co-Founder and King of All Wipes of goodwipes, a bold and eco-conscious hygiene company revolutionizing how people wipe their butts. With a mission to break taboos and elevate the toilet paper aisle,Goodwipes offers flushable wipes that empower people to feel fresh, clean, and GOOD. Prior to launching the company, he was a franchisee at Complete Nutrition, the fastest-growing wellness retail chain in the U.S. He also co-founded Party Degree, a collegiate nightlife agency that brought marquee EDM and hip-hop talent to campuses across the Southeast. A graduate of Florida State University with degrees in Finance and Entrepreneurship, Sam has scaled goodwipes from a grassroots idea into a nationally distributed brand, now on shelves in Target, Walmart, Kroger, and many more.He is also an active industry advocate, serving on the board of the Responsible Flushing Alliance, where he champions sustainability and product standards for flushable wipes.Beyond the brand: Sam is an award-winning ceramist, occasional trail runner, and spearfisherman. He's a proud FUNCLE to his nephew Noah and niece Lila, an enthusiastic home cook (beta), and a lifelong learner who brings energy and curiosity to everything he does.

In this newscast: Defenders of ranked choice voting and the open primary filed complaints to the Alaska Public Offices Commissions against a campaign supporting a measure to repeal both things; A Juneau resident shot and wounded a yearling black bear that was rummaging through trash downtown on Thursday morning; Alaska's three major cities continue to have higher living costs than most of the nation's urban areas; KTOO's Mike Lane speaks with Southeast Alaska Food Bank executive director Dan Parks about the organization's work to combat food insecurity.

Morgan Givens is a sports and commercial photographer based primarily in Pensacola, Florida, serving the Southeast and wherever the camera may take him. Previously, Morgan earned the role to be the University of Oklahoma Athletic's first Director of Photography, tasked with building an in-house photography department from the ground up and overseeing year-round coverage of the Sooner's 19 sports. Since the inception of OU Photo in 2023 until his departure in 2026, Morgan along with his staff captured championships, record-breaking moments and the history of OU's success in its first years of being a member of the Southeastern Conference while brining the visual branding to a level considered amongst the top of all of college athletics. Morgan earned the 2026 College Sports Communicators "Photographer of the Year" award in 2026. During his time in Oklahoma, Morgan also documented the Oklahoma City Thunder's first NBA Championship in 2025 on behalf of the NBA. Prior to OU, Morgan was the full-time photographer at his alma mater, the University of West Florida. During his time working under the Office of Institutional Communications at UWF, Morgan documented the advancement of the university from 2019-2023. His work made an impact for intercollegiate athletics, serving as the official team photographer for the Argonauts' football team since 2018, and documented their historic 2019 season as they won the Division II National Championship in only the fourth year of the program's existence. Morgan also served as a photographer for the College Football Playoff for their Social Media Team in New Orleans 2020 and Miami 2021. Morgan is happily married to his wife, Cynder and has two amazing girls, Ophelia Beth and Cedar Marie. They are his "why." Morgan's work has been published on globally both commercially and editorially with work being featured by the NFL, NBA, MLB, College Football Playoff, NASCAR, Athletes Unlimited, The LPGA, Nike, ESPN, NBC News, CNN, The Athletic, Players' Tribune, Complex, Hypebeast, Southeastern Conference, Big 12 Conference, Sun Belt Conference, Coca-Cola, Topps, The Ringer, Yahoo!Sports, Art but Make it Sports (!!!) and others. www.instagram.com/morgangivens.photo  www.morgangivensphoto.com  Huge thank you to our sponsors. The Oklahoma Hall of Fame at the Gaylord-Pickens Museum telling Oklahoma's story through its people since 1927. For more information go to www.oklahomahof.com and for daily updates go to www.instagram.com/oklahomahof The Chickasaw Nation is economically strong, culturally vibrant and full of energetic people dedicated to the preservation of family, community and heritage. www.chickasaw.net Dog House OKC - When it comes to furry four-legged care, our 24/7 supervised cage free play and overnight boarding services make The Dog House OKC in Oklahoma City the best place to be, at least, when they're not in their own backyard. With over 6,000 square feet of combined indoor/outdoor play areas our dog daycare enriches spirit, increases social skills, builds confidence, and offers hours of exercise and stimulation for your dog http://www.thedoghouseokc.com Metro Ford of OKC is proudly serving Oklahoma City with vehicles you can rely on and service you can trust. It's also why they're Oklahoma's Number One Performance Dealership. Shop the inventory today at metrofordofokc.com where the difference is Real.

Audio surf report and surf forecast on July 10 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this newscast: Gov. Mike Dunleavy vetoed a bill today that would have reimposed limits on campaign contributions in state elections; The City and Borough of Juneau released a new evacuation zone map in preparation for the glacial outburst flood expected later this summer; The Alaska Beacon reports Alaskans who have been wrongfully convicted can now apply to claim Alaska Permanent Fund dividends that were withheld while they were incarcerated, under a new law; The future of Juneau's city museum is uncertain as the effects of the Assembly's budget cuts begin to take hold.

Father Andrew presents on the current Orthodox convert surge. How do we understand and address it? Live Q&A with Fr. Andrew and Fr. Stephen follows. Recorded at the 2026 Parish Life Conference of the Antiochian Diocese of Miami and the Southeast, June 10-13 in Springdale, AR.

First, we'll tell you why a housing development has been approved in Emerald Hills despite a half-century fight over the property. Also, the impact of living near the sewage-filled Tijuana River. Next, a look into the history of Pride Month in San Diego. Then, driverless vehicles are coming to San Diego. And, Encanto is throwing a Block Party and you're invited!

Tommy Tedder, Ultimate Super Late Model Series Hall of Fame Inductee; Joseph Brown, CRUSA winner at Cochran Motor Speedway; and Max Blair, Lucas Oil Late Model Dirt Series race winner are this week's guests

In this newscast: The Juneau School District's chief financial officer is resigning; Some whale advocates want to relist Pacific gray whales under the Endangered Species Act; A team of experts is working to salvage a Coast Guard helicopter that crashed on Sitka's Harbor Mountain last month; A Soldotna swimmer brought home silver in the 50-yard freestyle at the Special Olympics USA games last month in Minnesota; Petersburg celebrated its second annual Amy Hallingstad Day on June 28.

Head out to Big Sky country with Randy, Caly, and Executive Director Wendy Swenson as they discuss badlands, battlefields, dinosaur bones, and other top things to do in a place full of endless horizons and rich Native American history—Southeast Montana. Plan your next trip to Southeast Montana at https://VisitSoutheastMontana.comSubscribe to RV Destinations Magazine at https://RVDestinationsMagazine.com and use code PODCAST20 to save 20% on your subscription today!

In this newscast: Juneau's city-owned Eaglecrest Ski Area will soon have a new general manager; State lawmakers are debating whether to controversial tax change in a bill aimed at easing the financial case for the Alaska LNG project; A red-tailed hawk named Warrior escaped from the American Bald Eagle Foundation in Haines on Friday; Fairbanks scientists are tracking a tiny parasite that lives in local swimming holes and triggers a rash that rivals the worst bug bites.

Charleston, South Carolina's Five Door Sedan has been building a reputation as one of the Southeast's most exciting rising indie rock bands, blending infectious grooves, bluesy textures, improvisation, and high-energy live performances into a sound that's uniquely their own. On this episode of Caught on the Mike, I sit down with Dacota Muckey to discuss the band's journey, developing their signature sound, life on the road, and the creative process behind their music. Dacota also shares the story behind their brand-new single, "Everything," dropping July 10, along with a look ahead at Five Door Sedan's upcoming sophomore album. From overcoming creative roadblocks to embracing spontaneity on stage, this conversation explores the band's evolution, what it takes to build momentum as an independent artist, and why Five Door Sedan continues to win over audiences one show at a time. Whether you're already a fan or discovering them for the first time, I think you'll come away with a new appreciation for a band that's clearly on the rise.www.caughtonthemike.comcaughtonthemike@gmail.com 

Audio surf report and surf forecast on July 06 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Mark Thornton delays part three of his series on American government in favor of something lighter for the 250th: the story of kudzu, the vine that ate the South. Japanese gardeners brought it to America in 1876 as an ornamental plant. Private interest stayed limited. Then FDR's Soil Conservation Service paid farmers to blanket millions of acres with it—to fix erosion and dust bowl conditions that earlier government policies had helped create. Kudzu grew a foot a day, swallowed trees, houses, and power lines, and became an environmental menace in the Southeast. Government herbicides couldn't kill it. What's actually working is a market solution nobody planned: entrepreneurs who lease goat herds to graze kudzu patches, draining the rootstock over a few years while producing goat meat for the working class.Side B features a Tasty Live interview in which Mark explains all three Austrian business cycle indicators firing simultaneously—the stock bubble, price inflation, and the K-shaped economy—and traces the historical pattern connecting tariffs, strategic stockpiling, and industrial policy to the wars that follow.2026 is the Year of Rothbard—Murray's 100th birthday—and we're celebrating by giving away free copies of The Origins of the Federal Reserve through July 31. Grab yours today at https://mises.org/issuesfree20% off listener offer on the insulated Minor Issues tumbler and three of Mark's books: https://mises.org/MinorIssuesTumbler. Use coupon code Thornton.Be sure to follow Minor Issues at https://Mises.org/MinorIssues

Patreon: www.patreon.com/dopeypodcast This week on Dopey's Greatest Hits, Dave looks back on one of the most unforgettable interviews in the show's history with Miami nightlife legend Ingrid Casares. Before the classic conversation begins, Dave recaps the incredible success of the inaugural Dopey Recovery Short Film Festival, from a nearly sold-out crowd and appearances by James Frey, Kevin McEnroe, Aaron Carr, Ray Brown, Pete the Plumber, and more, to his early morning appearance on Good Day New York. He thanks everyone who attended, promises an even bigger festival next year, hints at a future DopeyCon in the same theater, reads listener emails and Patreon comments, debates Tesla versus ska music, and shares plans to keep releasing daily episodes while his family heads out on vacation. Then comes one of Dopey's all-time greatest recovery stories. Ingrid Casares tells the unbelievable story of growing up in Miami, discovering cocaine in the early 1980s, repeatedly trying rehab before she was ready, stealing an ounce and a half of cocaine from a college dealer, becoming a drug mule between Miami and North Carolina, freebasing across the Southeast, surviving terrifying cocaine paranoia, and eventually finding recovery. She explains how sobriety led her into the music business, introduced her to Sandra Bernhard and Madonna, and eventually helped launch the legendary Miami clubs Liquid, Bar Room, and Joy, helping transform South Beach into an international nightlife destination. Along the way she shares stories involving Sean Penn, Whitney Houston, Donald Trump, the Versace era of Miami, celebrity excess, relapse, prescription opioids, alcohol, and ultimately finding lasting recovery after decades of chaos. It's one of the wildest cocaine stories ever told on Dopey—and one of the most honest conversations about relapse, reinvention, fame, and recovery.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people in small communities on Prince of Wales Island in Alaska rely on hunting for subsistence. And staff at one school district want to make sure they do it safely – by making hunter education a part of the curriculum. KRBD's Sydney Dauphinais went to the student's end of year field test and has this story. It is a cloudy morning at the Prince of Wales Shooting Club. Emma Garrison, a ninth grader from Thorne Bay, is trying to keep her gun steady. “Ohhh my gosh.” She and eight other students, all armed with rifles and safety gear, line up on yoga mats under a three sided shelter. She has been taking the Hunter Ed class all semester. Today, she's putting her studying to the test. “I was really nervous. Yesterday was the first day I'd ever shot a gun, so.” There are over 30 students from the Southeast Island School District taking their hunters ed certification field test today. If the students pass, they get Hunter Ed certified. This was the first year the district incorporated Hunter Education into the curriculum, with a goal to get every student from sixth to twelfth grades certified. The certification, which is through the Alaska Department of Fish and Game, is required for most Alaskans to legally hunt. And in many smaller Prince of Wales Island communities, hunting is a key part of the lifestyle. The Southeast Island School district is spread out with under 150 students in seven remote schools across Prince of Wales and Baranof Islands, but all the students at the shooting club today have spent the last semester taking the course. Ellen Hannan is a retired teacher and a volunteer with Fish and Game. She has been teaching Hunter Ed in Southeast for 25 years. “Raise your hand, how many people have shot before? Anytime, anywhere, anything?” Most of the students raise their hands. Hannan says that is why the class is so important. She knows many of these students are around guns from  a young age and she wants them to be safe. The number one rule: always treat guns as if they are loaded, to help keep yourself and others safe. Hannan helps the students hold and load their guns, shooting targets in four positions: laying down, kneeling, sitting, and standing. “So what you've gotta do is get four outta five shots in a 2 inch circle. That means it touches it anywhere.” Down towards the clubhouse, students are taking a walk through the forest. It is part of the field test to identify cardboard animals and discern when, how, and if it is ethical to shoot them. One of the students is Wyatt Farr, an eighth grader from Coffman Cove.  He has been hunting with his family for years. “It’s fun. I just like, yeah, I like being outdoors, and like actually doing things, instead of like sitting there playing video games.” Farr likes to hunt deer and grouse – and wants to hunt bears soon. He says his favorite part is enjoying the meat he has processed, but he also likes how calm and quiet it is in the outdoors The course also includes basic survival skills, wildlife conservation and respect for other hunters. That's part of what he likes about it. “So there’s not like just like clueless people going out walking in the woods and like getting hurt and stuff, and it's also like teaching the generations to come how to like properly do things.” Every teacher teaches the class a little differently. Melissa Dougherty, a teacher at Thorne Bay with a background in biology, designed the curriculum so it blends with broader outdoor education. She knows the outdoors are a big part of her students’ lives and she wants them to be aware of their surroundings. She says killing an animal is a serious thing – and she wants her students to be thoughtful and observant when they are out in nature. “I think it’s really important to spend time thinking about how you fit into your environment and gaining an appreciation for the world around you.” At the end of the day, every student passed their hunter's ed field test and received their signed certificate – which is valid for life. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out today’s Native America Calling episode

For years, strange activity surrounded her property between Atlanta and Athens, Georgia. Rocks landed near the house. Unexplained whistles echoed through the woods. Powerful odors drifted across the property. Police repeatedly spotlighted the area during nighttime searches. Neighbors quietly referred to the mystery as the "Peekaboo Man."Now the story has reached a new level.In this episode, the witness shares details of escalating encounters, including unusual vocalizations, possible communication whistles between multiple unseen subjects, a missing family pet, strange structures in the woods, and a daylight sighting witnessed by her husband. The couple believes ongoing development and clear-cutting throughout North Georgia may be forcing these creatures into closer contact with residential communities.This conversation provides a detailed look at how long-term Sasquatch activity can affect an ordinary family living in a rapidly changing landscape. Every event is presented in the witness's own words, creating a compelling record of one of the most active ongoing situations currently being reported in the Southeast.If you follow Bigfoot reports from Georgia, Appalachia, or anywhere along the expanding edges of suburban America, this is an episode you won't want to miss.

Keith explores when the U.S. median home price could realistically hit $1 million and what long-term drivers like inflation, construction costs, and housing scarcity mean for investors.  He reveals the hidden issue of America's aging housing stock, explaining how outdated and inadequate homes quietly distort inventory data and reshape opportunities for renovation and build-to-rent strategies.  Keith also draws lessons from former Fed Chair Alan Greenspan and unpacks why some of the "worst" high-crime cities can still offer strong rental fundamentals, helping listeners think more clearly about risk, market selection, and long-term wealth building through real estate. Episode Page: GetRichEducation.com/612 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. When will the median US home value hit the $1 million mark? I have the best answer for the exact year that it will happen, and it's probably sooner than you think. Also, there's a big hidden problem in America's housing market today, and no one is talking about it. It's not prices, mortgage rates, affordability, nor is it inventory. I'll tell you about it and more today on Get Rich Education.   Speaker 1  0:30   Since 2014 the powerful Get Rich Education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord, show host Keith Weinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top-selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps. Build wealth on the go with the Get Rich Education podcast. Sign up now for the Get Rich Education podcast, or visit getricheducation.com   Keith Weinhold  1:14   You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com h i n d, that's danielthomashind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes . com / G R E.   Speaker 2  3:00   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  3:16   You're listening to One America's longest running and most listened to shows on real estate investing, not flipping, not speculating, not whatever the latest hot thing is, but prudent long-term real estate investing. This is Get Rich Education. I'm your host, Keith Weinhold. You've got to believe that you were not put on this earth to live a mediocre life and waddle in the safety of mediocrity. Your investing should be a reflection of that. You've got to believe that you can obtain financial freedom when you're young enough to enjoy it. What would be the point of deferring financial freedom until you're old, like, what would that point even be? I mean, just imagine a rich elderly version of you. It cannot buy youth. Youth cannot be bought. Look, right now, if someone offered you $20 million to be age 85 tomorrow, the probability that you would take it is pretty much zero. So then build sustainable, durable wealth now today, and with a sense of urgency. That's what we're doing here. A $1 million national median home price. When do we get there? Well, back in 1990 the median national home price was about 120k and you know, funny as it sounds, you can read about how back in 1990 people thought that homes were highly priced, even overpriced, and that maybe they'd need to start. Going down, why was that? Well, just three years earlier, in 1987 they crossed over 100k for the first time. So psychologically, six figures for a home price, that was still a fairly new phenomenon. In 1990 mortgage rates were 10% then for a 30 year fixed rate loan, and by the way, 10% mortgage rates didn't feel too bad to homeowners and real estate investors in 1990 because as recently as 1984 they were 14 and a half percent. Roll it back a little earlier to 1981 and mortgage rates were over 18% then, and of course, mortgage rates are a friendlier six to 7% today, but remember we're talking about home prices here, and when it comes to the trajectory of home prices, rates are really just trivia, because as I've discussed here on the show for years, to many people surprised, mortgage rates have almost nothing to do with home prices, contrary to popular belief, but to those people in 1990 that were still somewhat freshly getting used to six figure prices that were now 120k at that time today's median home price of 429,000 to $300 would have sounded as absurd as paying $18 for airport trail mix and $24 for airport beef jerky, yet here we are.    Keith Weinhold  6:36   All of those prices are true. That's where we are today, all right. Well, from 1990 till today, home prices have nearly four exed. So, with that backdrop from recent history, what about a million dollars? When do we get to that point? Well, home prices only need to go up about 2.3x from here. Yogi Berra said it's tough to make predictions, especially about the future, and I want to credit Dr. Lawrence Yuen, any our chief economist, for doing this analysis and sort of getting this conversation started, because when we look at the national median home price hitting million dollars, this forecast assumes zero price growth for this year, although home prices are now up 1.8% year over year. Here we go at 3% price growth from today, we get to a million in 2056 at 4% it's 2049 at 5% price growth, it's 2045 and it's 6% home price growth, it's 2042 and that's just 15 and a half years away. One part that I really want to credit Dr. Yoon for is that if you take the actual price trend from the last 25 years with all of its ups and downs, which also gives you an average annual gain of four and a half percent, by the way, and you project this into the future, that path reaches $1 million in 2048 just over two decades away, so taking the past quarter century, then, and extrapolating it into the future means we hit a million dollars in just a little over 20 years. So, therefore, perhaps the most prudent and sensible projection gets us there in 2048 But look, it's easy to make the case that growth is going to be on the higher side of these estimates, I mean, just look at what's going on now.   Keith Weinhold  8:45   Already, inflation is over 4% and there are all kinds of forces that are poised to push that inflation rate higher. I've talked about those in recent episodes. Today, 42 out of 50 states show annual home price gains. Near-term sparks to more home price growth are energy and material price volatility from tariffs and wars, which are poised to push up the replacement cost of homes. And you know, when your property's replacement cost rises, all capital values tend to rise as well. There's also pent-up demand and still paltry supply in most US regions. I'll get to that, but regulatory costs alone are now $132,000 for a new single-family home. You heard that right? Yes, the cost of zoning and other regs is now 132k and that figure is sticky. That does not tend to come down, and then you've got these longer term bonfires, not just the short term sparks that I mentioned, but the longer term bonfires that could make million dollar median home. Dollars occur before 2048 This construction of data centers and all the resources that it takes, and chips, and copper, and electricity, that's all inflationary for our society. When we're building that infrastructure, our currency will keep getting diluted to deal with huge debts like defense and social security payment commitments and interest payments themselves, I mean that part is plain as day new household formation that's expected to push up demand until at least the late 2040s and after that demographically things could turn, but the base case remains 2048 here for the million dollar median home, so this million dollar mark, you know, it's not some sci-fi housing fantasy where your realtor shows up in a flying car, okay, values are already approaching a half million, and this figure of a million that is just 1000 1000, it's not some incomprehensibly gigantic number that's shooting for the moon and the stars, so really the bottom line here is that a million dollar median national home price is an almost inevitable destination and is being pushed up by appreciation, inflation, replacement costs, and scarcity.    Keith Weinhold  11:25   The real question is not whether this happens, but it's when it happens. That's why I gave you the year of 2048 as the base case. I want to talk more about housing scarcity shortly, but first, for some historic perspective, do you want to know how much my parents paid for their home in 1974 I thought I knew the figure, but I wanted to check with Dad, and he let me know, and it was what I thought. All right, first, I think I've shared with you before that my parents still live in the same Countersport, Pennsylvania home, the old smallish Victorian style home built in 1917 They've lived in that continuously since Richard Nixon was our president. And you know, when I go visit my parents, I get to sleep in the same bedroom that I have since I was an infant, just amazing. Also, do you know that that home where I grew up, and they still live in.. Do you know that home is location? Do you know where that location is? On what I'll call the urban to rural spectrum, it's interesting. The home is not in a city, it's not in the suburbs, it's not in the exurbs, it's not in the country, and it's not in a planned community either. What's left? Do you know where it might be? Maybe you're thinking too hard. It is in a small town, that's the answer. A small town with a gridded street pattern and Main Street, that's called Main Street, and old brick businesses. It is a standalone community with its own identity and a really slow pace of life. Its population was about 2600 at the turn of the century, and it's down to about 2100 residents today. And Cowder Sport, Pennsylvania, is a remote place, it's over two hours to the nearest international airport in Buffalo, New York, and there really aren't that many flight routes out of Buffalo either. So, for that detached single-family home that does have a big yard, my parents bought it in 1974 for $20,000 exactly 20k and they quickly got that home paid off back in the day, about 58 years ago.   Keith Weinhold  13:48   The only financing they had, it wasn't a mortgage in the traditional sense, rather my mom's parents gave them a small loan to put toward that 20k and it was an interest-free loan, and the seller kind of gave them my parents there this adjacent grassy lot, practically free. The person that sold it said they didn't feel like mowing it. That wouldn't happen today. Real estate is just more coveted and calculated, I think. It'll just go throw in a lot, and you can guess who had to mow that adjacent grassy lot more than a few times? Yours truly. And hey, I might even mow it again this year when I visit my parents, and my dad listens to this show, and he sure hopes so. It's not a bad looking home today. I definitely did not grow up dirt poor, but just modestly, there was only one bathroom for our family of four that we all shared, and yes, what this meant was patience, timing, and the ancient art of knocking on the bathroom door with urgency sometimes, and we all took baths only until I was age eighteen, there was just simply no shower until then. We all shared one car, a Subaru station wagon, definitely not deprived in a great childhood, just living modestly. Well, today's median home price is now 22 times the 20k that my parents paid for their home in 1974. Homes in countersport are a lot cheaper, so maybe it's just 12x there. But see, the point is that the home doesn't have more utility because it doesn't have any more than the same three bedrooms today. It's got about the same amount of usefulness they did add a second bathroom. What happened is that our currency has just debased enough to be worth about 1/12 as much as it was in 1974 That's why the price is up 12x Before I get to national housing scarcity factor, maybe you've always wondered where I get my abundance mindset from, since I grew up in a small simple remote place, I'm not sure it's just an internal confidence gain from somewhere. Sometimes I wonder if where I grew up actually contributed to growing my means rather than living below my means, because at some point subconsciously I might have thought before that, you know what, if I fail big in life, then I could always move back to old counter sport and own a decent home for just 200k in a town where I know people, maybe it worked that way, and I moved away from that home for good at age 23.   Keith Weinhold  16:44   By the way, that's when I left the nest. As you know, I like to say the most important thing here is that I won the parent lottery - decent, stable married parents. That means considerably more than inflation or economic factors ever could two grade A parents now getting back to housing's scarcity factor. Did you know about what's happening with the available inventory of homes now after four years of rising supply? The inventory trend has flipped. There are now fewer homes for sale nationally than there were a year ago, and this has really thrown off some forecasters that thought inventory would climb about 10% this year. Instead, we have fewer one to four unit properties on the market today than we did last year. This matters because it could signal the next phase of the housing market, it's important to identify these inflection points right here, if it truly is one, because shrinking inventory, that means fewer options for buyers, more competition, and eventually upward price pressure, if the trend holds, but that's not here yet, we haven't seen home prices really take off. A decade ago, there are about one and a half million available homes. The pandemic low in 2022 is where we hit a jaw-droppingly low, 350,000 available homes. I mean, really scraping the bottom, those were the days when there were 40 people in line to see one open house, that was nuts.   Keith Weinhold  18:28   Okay, from those scarce, scarce days that has rebounded to 1.1 million available homes the past year or two, and this year it stepped back a little to about 1 million available homes for sale in this nation, so bigger picture today we have 30 to 35% fewer homes available now than we had a decade ago, and remember we've also got to account for the fact that we've had population growth since that time as well, that's why demand continues to exceed supply, so really the housing shortage is a little worse whenever you factor in population growth. So this really speaks to the scarcity, and so does something else here. And there's a big hidden problem in America's housing market today, and nobody, like no one is talking about this, it's not prices, it's not mortgage rates, affordability, nor is it inventory, it's the fact that America's housing is aging with the median now 45 years old, that's older than America's homes have ever been, and 45 is also about the median age of a TikTok user's parents, I think. Now, an 80s built home isn't exactly ancient, but this really factors in here. Now, in Buffalo, Pittsburgh, and Cleveland, the typical home predates 1960 in Austin and Raleigh, it. Is post 2000 so it feels like the Northeast is replacing avocado green appliances, and the Southeast is just replacing Ring camera batteries, because, as you'd expect, fast growth areas have a young housing stock like Florida and Texas and Tennessee to a lesser extent, and at the beginning of the month, I sent our newsletter subscribers this terrific national map that shows the median age of homes by city, a rare map that's pretty fascinating, and in fact, the oldest homes in the nation are in Elmira, New York. They are about 70 years old, not far from where my parents live in Countersport, Pennsylvania, and this is such an under-discussed part of the housing shortage. See, a market it can technically have what seems like available inventory, but still not actually have habitable, financeable, insurable, affordable housing, and older housing stock that creates friction with repairs and appraisals and insurance and affordability.    Keith Weinhold  21:10   Harvard's Joint Center for Housing studies found that 3.6 million renter households, that's 8% live in inadequate housing with problems in multiple structural deficiencies like water leaks or serious problems with electrical HVAC or other systems, and this is a real threat to NOAA housing. Are you familiar with this term, NOAH? NOAA stands for Naturally Occurring Affordable housing, and it means properties that are affordable purely due to free market conditions, not public funding. What's interesting is that America isn't just not building enough. See, we're also retaining a lot of older homes longer than generations past did in the mid 20th century, what cities routinely did is that they demolished obsolete housing, and they rebuilt aggressively. Today, that just doesn't work in most places. Replacement happens slowly, because of higher construction costs. In this not in my backyard bickering, and zoning restrictions, and labor shortages and environmental rules. I mean, it just doesn't work that way anymore. Now, here at GRE, we introduce you to providers across the nation that do deep, extensive quality rehabs, but much of America, they just kind of keep patching their homes like it's a 1998 Honda Accord with 280,000 miles in three glowing dashboard warning lights, that's what they're doing, that's why the average age of the home keeps going up. All right, so what are some of the big takeaways for real estate investors with America's homes being older than ever? Number one, it's supply. America still needs more housing, even in cities with stable populations. A lot of them are going to see more units become obsolete than will get built. That's why when you see a headline like inventory is up, all right, that can be true, but it can also be misleading if it's a 1952 duplex with knob and tube wiring, and a furnace that's held together with hope and duct tape. All right, a surprising amount of America's housing stock is basically running on CPR and Lowe's rewards points. The second takeaway with this aging housing stock is that obviously more renovations are required again, that is, if you're not buying new or turnkey, so therefore states like New York, Pennsylvania, Ohio, Massachusetts, they all have busy Home Depots.   Keith Weinhold  23:56   When obsolete properties get renovated, okay, well, then rents have to increase to support those costs, and then you know what happens a lot of times. Cynics call that process right there gentrification. Aging homes are going to be a major policy topic over the next decade. There is this tension between keeping buildings affordable and keeping them standing, you can't preserve what's falling apart, but see, then fixing it prices some people out, and then the third investor takeaway with this aging housing is yet again the arrow points here one more time, build to rent housing, yeah, new build rental homes, they're often the way to go. Usually the trade off for you is that you pay more upfront, and then you have fewer maintenance and repair costs. It usually works out for you, and today this is really tilted to your advantage, because home builders are still doing. Generously buying down your mortgage rate to perhaps 5% it depends on the builder, but this is a rare setup for you in this cycle of the market. New property, low maintenance, and mortgage rates that feel like they came from a different decade, you're getting them now. Not only is our housing aging, hey, so are we. The median age of all Americans is 39 Back in 1980 it was just 30, so this is a massive demographic shift in a short period of time. I mean, you and I are both older than we ever have been, of course, and we're both about 20 minutes older than when you and I started talking today. That is why I endeavored to make this show well worth your time. The bottom line with the aging homes is that by most measures, US housing stock is older than it's ever been. New construction has not kept up with population growth, and this is going to shape housing affordability and construction trends and investment opportunities across America, perhaps for the rest of your investor life. I need to tell you about America's worst cities for crime shortly, because it includes a lot of cities popular with investors, including cities that we frequently talk about here. So, what is going on? This is something that I've wanted to tell you about for a long time. Hey, if you like learning from me, you are in luck. This week and next week, it will be monolog episodes, just you and I together. I'm Keith Weinhold. More for you straight ahead here on episode 612 of Get Rich Education.    Keith Weinhold  26:41   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at ridgelendinggroup.com That's ridgelendinggroup.com    Keith Weinhold  27:12   Let me ask you something. If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866 that's Family 266866.   Speaker 3  28:14   This is Hal Elrod, author of The Miracle Morning, and listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  28:28   Welcome back to Get Rich Education. I'm your host, Keith Weinhold. America turns 250 years old this coming weekend. That's our semiquincentennial, which is a word that sort of sounds like it should come with a Latin tutor and a necktie. If you live in the US, like I do, happy birthday to us. Enjoy it, celebrate it, be grateful for it. We're living through a milestone that only comes around once every two and a half centuries. Remember that, despite our differences, we still get to live in one of the most remarkable nations ever built. Warren Buffett said, No one has ever been a success betting against America since 1776 and they're not going to be a success in the future doing it either. End quote. Before I discuss the worst investor cities for crime, Alan Greenspan died last week. Let's learn from history with this long-tenured Fed chair. He served for 19 years, from 1987 to 2006 And then I'll talk about what it means to you. And I actually met Greenspan in person, just briefly, at the New Orleans Investment Conference several years ago, he led the Federal Reserve under four presidents from both parties, and really he was regarded as somewhat of a celebrity economist. He shaped economic policy during this period of massive wealth creation, again 1987 to. 2006 almost two decades, Greenspan was held for his well-timed interest rate moves to fight inflation, all while promoting economic growth, but you know, a lot of prominent economists, they also blamed his big financial deregulation for causing the 2008 global financial crisis. Greenspan and Nomics were really about entering government during the Ford administration after he co-founded a successful economic forecasting firm, and then Greenspan really became known for basing his decisions on this sort of meticulous data analysis, not textbook economics, and he ultimately gained this guru status for really capable monetary policy, including during one of the longest economic booms in the country's history, between 1991 and 2001 all years in which he reigned, and he helped engineer a swift recovery from a massive financial crash during the late Reagan administration, and he did that by slashing interest rates, and then pouring tons of money into the economy, and you know, yeah, everyone is popular when they slash interest rates and print tons of money in the short term, because that makes everybody feel really prosperous, but I think you know what that leads to. Say it with me, inflation in the mid 90s. He presided over rate increases to stem that price growth without causing a recession, and that is a tough balancing act that's known as a soft landing. Jerome Powell basically did that too, despite his faults. But anyway, later Greenspan didn't pay attention to people that wanted him to keep jacking up rates, but he got it right to hold off from doing that.    Keith Weinhold  31:50   There was an economic upswing because Greenspan correctly predicted that we'd have all these productivity gains from personal computers that would help tame inflation. He got that part right, and Greenspan, he was like famous for using these hard to decipher pieces of jargon known as Fed speak. I mean, it was unforgettable in 1996 when he dropped the term irrational exuberant, so that really just means these unduly escalated asset values, and he also pioneered these interest rate change announcements as a way to help guide the markets, instead of surprising everybody. But, on the other hand, you know, anyone that shapes the economy is gonna get some criticism. A lot of people said that Greenspan would just always rescue the stock market, and investors sort of knew that he would come rescue it, and that made investors make these riskier and riskier bets. He was an acolyte of libertarian Ayn Rand, and so Greenspan lobbied for this sort of light touch financial regulation during the Clinton years, and that combined with his refusal to raise interest rates and rein in subprime mortgage lenders to stamp out the housing bubble in the 2000s that's really what caused people to say that he was partially responsible for the global financial crisis. His influence definitely remains today. Alan Greenspan lived from 1926 to 2026. Now we've all seen those lists, like America's worst cities or the highest crime metros in the US, floating around on social media, in articles like Newsweeks published for decades, and everywhere in between, right.   Keith Weinhold  33:42   It's like the 10 places where your wallet, your hubcaps, and your will to live disappear, something like that, in some form. When you consider real estate markets that you want to invest in, the quality of the area absolutely matters. A bad neighborhood. Oh, that's going to contribute to stagnant rents, flat or declining values, higher vacancy, and you'll probably attract a tenant who treats your property like it's a borrowed jet ski. All right, not where you want to be, but a faulty modus operandi is that a reader? They often see a list like this, and then they extrapolate an area's crime or their public safety issues and blankets them across an entire city. Now, one of these lists came across my desk recently, the 50 worst cities to live in in the United States, and the cities are ranked, and here's what struck me as wild, paradoxical. At least seven of the top eight cities have areas with strong investment fundamentals. Actually, so the eight worst, in order, are Detroit, Memphis, Jackson, Mississippi. St. Louis, Baltimore, Cleveland, Shreveport, Louisiana, and then eighth worst is Birmingham, Alabama. Most all of these have good investment pockets in them. Now, I've never visited Shreveport, so that's one that I can't speak to. All right. Well, what is going on here? Why am I calling them good investor cities if they all make this list, and by the way, I was born in the 34th worst on this list, Redding, Pennsylvania. One of my degrees is in geography, and I get out and see the world, and what's weird, and you'll see this over and over and over again in society throughout your life, and that is when people talk about their own city that they live in. Oh, they understand the nuance. Okay, you know your own city has posh areas and rough places and working class areas, and that city that you live in has improving neighborhoods, and it also has don't stop there for gas after midnight areas, but see, when there's another city that people aren't familiar with, or they haven't visited, well, then suddenly the entire area gets slapped with one label, like, oh, that's nice, or that place is a dump, or the world would be better if that entire city slid into the ocean. Well, that's lazy thinking. Almost every city has sections that they're proud of. And then, well, the garbage collector has to live somewhere. Take Memphis, for example.    Keith Weinhold  36:38   It has long been one of America's most real estate investor advantaged cities, and it is a favorable place for income property owners, because it's got landlord friendly laws, a deep base of blue collar distribution jobs, a high ratio of rent income to purchase price, and Memphis also has such an embedded renter culture that tenants appliances actually move around with them, but yet Memphis, like I said, is a dreadful number two on this worst cities list due to high crime. Okay, that's the problem with citywide statistics. Bad neighborhoods can skew stats for an entire city, in fact, since we just mentioned them here on the show last week, take a reputable Memphis-based income property provider like Mid South Homebuyers, they renovate and provide investors with property in neighborhoods like Fraser and White Haven, but wait a moment, you can easily read about crime and blight and disinvestment into these same exact two Memphis neighborhoods, Fraser and Whitehaven. That's real, and that is accurate. And simultaneously, Fraser is anchored economically by nearby world-class hospitals, a massive Amazon presence. You've got Nike's largest distribution center in the world. I mean, that's not exactly a tumbleweed economy. Drive down Fraser's Pamela Drive, and you're going to see an established leafy middle-class neighborhood, mostly built in the 60s, with these modest, well-kept properties, and you can see that if you pull up Pamela Drive, Memphis on Google Street View, and they're often three bed, one bath ranch homes, about 1000 square feet in size, with two tenths of an acre lots. I mean, everything I just described there is ideal for cash flowing rentals, driveways, lawns, normal life - it's not posh, but pride of ownership is apparent here. People mold their lawns, trash stays picked up, you see orderly cars, maybe a jogger or a baby stroller, or a neighbor watering flowers.   Keith Weinhold  38:58   You do not see dumped furniture, no cars on blocks, no front yards that look like a failed episode of storage wars. Community stalwarts live here, like our police officers, nurses, public school teachers. So, see, there's substantial variation in investability, even within Fraser in Whitehaven, it's almost a block by block phenomenon, even within one neighborhood. So, to mentally stigmatize every neighborhood in Greater Memphis as bad due to their high crime areas is a really gross aberration. So, when one isn't familiar with an area, there's often an inclination to broad brush stroke at all. I mean, gosh, I wonder if people in Kazakhstan think that you are an abject degenerate simply for sending your child to school because they read that America has lots of school shootings. See, it's. The same principle here, and just like any provider the GRE tells you about, Mid South Homebuyers wants you to visit their neighborhoods in person. In fact, they frequently arrange investor tours and even welcome your visit so much that you'll get a $500 credit on your first property for attending the tour, they will pay you to come see Memphis effectively, and the bigger picture, national crime rates of all kinds just keep plummeting, because everybody is on their phone. Frankly, a lot of places on worst cities lists, like Memphis, they can be dangerous to invest in without a free consultation from our GRE investment coaching or a resource like Mid South Home Buyers.    Keith Weinhold  40:51   So, the bottom line is that investors, they don't buy a city, you're going to buy one specific house on one specific street with one specific tenant profile in one specific property management system. Micro locations are what determine your ROI, and by the way, Mid South Home Buyers has good income properties, some of them for about 200k or under 200k and right now they're offering investors their triple five program. This means they buy down your mortgage rate to 5.5% or maybe a little lower, and have a property management fee of just 5% for the first five years on every new turnkey property purchase. That is currently one of the best deals in the nation for income property. You can learn more at Mid South homebuyers.com If that sounds interesting, hopefully you've learned about real estate today and have helped clear up some misconceptions. Million dollar median homes are not some far-fetched fantasy. 2048 is my best guess as to when we reach that point. Housing is more scarce than you think, especially when you consider that America's homes are older than they've ever been, and when we look at one city's crime or demographic statistics, that broad brush strokes quite a wide area. Hey, if you enjoyed today's episode, there's a way to get more out of it for you and others, that is by telling two friends about the show, I love it when you do that, and I'm grateful for it. Text them this episode right now. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 1  42:37   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Speaker 1  43:05   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com  

As planting and growing season continues across the country, stewardship remains one of the most important responsibilities for growers and applicators. In this episode of North American Ag Spotlight, host Chrissy Wozniak sits down with Mike Aerts, Vice President of Science and Regulatory Affairs at the Florida Fruit and Vegetable Association, to discuss the 2026 BeSure! Campaign and the role stewardship plays in protecting pollinators, wildlife, water quality, and agricultural productivity.Mike explains how the BeSure! Campaign serves as a decision-support resource that encourages growers and applicators to follow best management practices while emphasizing a simple but critical message: read and follow the label. He discusses the extensive scientific research behind pesticide labels and why the phrase "the label is the law" remains one of the most important principles in crop protection.The conversation explores the essential role pollinators play in agriculture, including their contribution to approximately one-third of the food we consume and more than 75% of the world's flowering plants. Mike also addresses common misconceptions surrounding pollinator health and explains how factors such as pests, diseases, habitat loss, weather events, and invasive species often have a greater impact on bee populations than many people realize.Listeners will learn about stewardship practices for treated seed and foliar applications, the importance of proper equipment calibration, spray drift management, and the growing use of technology to improve application accuracy. Mike also shares insights into Florida's Managed Pollinator Protection Plan (MP3), a voluntary program that helps growers and beekeepers communicate effectively to protect pollinators while maintaining crop production.The discussion also highlights a new concern for beekeepers across the United States—the invasive yellow-legged hornet—which has recently been detected in the Southeast and poses a significant threat to honey bee populations.Throughout the episode, Mike emphasizes that food security depends on responsible crop protection practices and collaboration among growers, applicators, beekeepers, registrants, and regulators. The result is a practical conversation about how agriculture continues to improve stewardship while producing the food, fiber, and specialty crops consumers depend on every day.To learn more about the BeSure! Campaign and access stewardship resources, visit GrowingMatters.org/BeSure.Send us Fan MailSchedule a demo today at ecorobotix.com Introducing FarmNewsDaily.com - your source for agriculture news!Subscribe to North American Ag at https://northamericanag.com

True Crime Tuesday presents: Atropos: Serial Killer On the Loose In The Southeast with 40-year law enforcement expert/Author, Royce Wilson! Detective Riley Scott just wants a routine murder. He gets anything but.One mutilated body in Tampa turns into a city-wide killing spree with no motive, no witnesses, and no end in sight. The deeper Scott digs, the more the case coils around his own life—until his girlfriend vanishes and fellow officers start dying.Suspended from duty and running out of time, Scott has days to answer two terrifying questions: Is the woman he loves the killer… or the next victim?Fast-paced, forensically accurate, and packed with twists that hit like a crime-scene hammer, ATROPOS is the series launch readers are calling “Harry Bosch meets Kay Scarpetta on the sun-scorched streets of Florida.”On today's TCT, we talk to Royce Wilson about his fascinating career in law enforcement. How one learns forensic science as an apprentice. The real-life inspiration that has fueled some of Royce's most famous characters and plotlines, and finally, the behind-the-scenes look at Atropos.... and Beyond!Get your copy of "Atropos" here:  https://bit.ly/4vutjNMVisit Royce's Amazon page here:  https://www.amazon.com/stores/Royce-Wilson/author/B093286N5T?ref=ap_rdr&shoppingPortalEnabled=trueCheck out all things Royce Wilson here:  https://www.roycewilsonmysteries.com/PLUS AN ALL-NEW DUMB CRIMES/STUPID CRIMINALS WITH JESSICA FREEBURG!Jessica Freeburg is offering a new program on her website! STOP SHRINKING: A 30 Day Path to Calm Inner Authority is for everyone who finds themselves:- Overthinking- People Pleasing- Replaying Conversations for hours- Shrinking when you want to speak- Reacting when you wish you had stayed calm.THIS COURSE WAS CREATED FOR YOU! Find out more here:  https://www.jessicafreeburg.com/stop-shrinkingCheck out Jessica Freeburg's website and get tickets to her events here:  https://jessicafreeburg.com/upcoming-events/Check out Jessica Freeburg's website and get tickets to her events here:  https://jessicafreeburg.com/upcoming-events/and check out Jess on TikTok:  https://www.tiktok.com/@jessicafreeburgwritesFor the first time, get ALL NEW TRUE CRIME TUESDAY GEAR!  Represent your favorite true crime podcast in style! There are new and different (and really cool) items all the time in the Darkness Radio Online store at our website! . Check out the Darkness Radio Store!   https://www.darknessradioshow.com/store/Make sure you update your Darkness Radio Apple Apps!and subscribe to the Darkness Radio You Tube page:  https://www.youtube.com/@DRTimDennis#crime #truecrime #truecrimepodcasts #truecrimetuesday #roycewilson #atropos #atroposarileyscottpoliceproceduralmystery #rileyscott #corbinfarrington #tampaflorida #neworleans #murdermystery #crimefiction #thosewhostandaccused #joeflorio #stabbings #forensicscience #murder #suemcafee #dumbcrimesstupidcriminals #TimDennis #jessicafreeburg #paranormalauthor #ghoststoriesink  #floridaman #drugcrimes #foodcrimes #stupidcrimes #funnycrimes #sexcrimes #airplanecrimes