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Amazon is expanding same and next day delivery services in the United States, Samsung’s summer Unpacked event kicks off at 10 AM ET on Wednesday, July 9th, and Google Earth now features historical Street View imagery. MP3 Please SUBSCRIBE HERE for free or get DTNS Live ad-free. A special thanks to all our supporters–without you,Continue reading "Amazon Is Expanding Same And Next Day Delivery Services In The U.S. – DTH"
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In dieser Folge spricht Gregor Münch erneut mit Martin Steiger – Anwalt, Datenschutzaktivist und OSINT-Experte – über digitale Recherchewerkzeuge, die Jurist:innen im Alltag unterstützen können. Wie findet man heraus, wem eine Domain gehört? Was verraten Metadaten in PDFs über die Entstehung eines Dokuments? Wie lässt sich ein Alibi mit Google Maps oder Street View plausibilisieren? Und welche rechtlichen Fragen stellen sich beim Einsatz von Tools wie PimEyes oder Clearview AI? Gregor und Martin beleuchten konkrete Anwendungsfelder von Open Source Intelligence: • Satelliten- und Verkehrsdaten zur Alibiprüfung • Rückwärtssuche von Bildern zur Verifizierung von Online-Inhalten • Analyse von Metadaten in PDFs und Bildern • Monitoring-Tools, Alerts und spezialisierte Suchmaschinen • Rechtliche Graubereiche bei Gesichtserkennung und Scraping. Diese Folge richtet sich an Anwält:innen, Ermittler:innen, Journalist:innen und alle, die wissen wollen, wie digitale Spuren zu belastbaren Beweismitteln werden – und warum technisches Verständnis heute zur juristischen Kernkompetenz gehört. Podcastfolgen von Martin und Gregor: - [#689 Spurensuche im Netz: Die neue Macht von Open Source Intelligence (OSINT)](https://www.duribonin.ch/689-spurensuche-im-netz-die-neue-macht-von-open-source-intelligence-osint/) - [#691 Ich weiss, wie viel Du verdienst – Open Source Intelligence (OSINT)](https://www.duribonin.ch/691-ich-weiss-wie-viel-du-verdienst-open-source-intelligence-osint/) Links zu diesem Podcast: - Zu unserem Gast [Martin Steiger](https://www.linkedin.com/in/martinsteiger/), [Anwalt](https://steigerlegal.ch) und [Unternehmer](https://martinsteiger.ch/) für Recht im digitalen Raum, sowie Sprecher der [Digitalen Gesellschaft](https://www.digitale-gesellschaft.ch/uber-uns/kurzvorstellung-personen/) - Martin publiziert regelmässig auf [chaos.social](https://chaos.social/@martinsteiger), [bsky](https://bsky.app/profile/martinsteiger.ch) und führt spannende Gespräche in seinem Podcast [Datenschutz-Plaudereien](https://podcast.datenschutzpartner.ch) - [Interaktives Tool zur Ungleichheit - Hier die Armen, da die Reichen: So durchmischt ist Ihr Wohnort](https://www.tagesanzeiger.ch/armut-und-reichtum-in-der-schweiz-diese-karte-zeigt-wo-die-privilegierten-wohnen-898746224551) - Anwaltskanzlei von [Gregor Münch](https://www.d32.ch/personen) - Anwaltskanzlei von [Duri Bonin](https://www.duribonin.ch) - Titelbild [bydanay](https://www.instagram.com/bydanay/) - Das Buch zum Podcast: [In schwierigem Gelände — Gespräche über Strafverfolgung, Strafverteidigung & Urteilsfindung](https://www.duribonin.ch/shop/) Die Podcasts "Auf dem Weg als Anwält:in" sind unter https://www.duribonin.ch/podcast/ oder auf allen üblichen Plattformen zu hören
Four hundred episodes into this project, we gathered together on April 11, 2025 for a live show to celebrate the occasion. On this edition I revealed a new tour, announced a short spring break (with episodes, never fear!), and did some Ask Me Anythings! Pedalshift 400 Live Hey check out the video if that's your bag... https://www.youtube.com/live/EJfDdaQDgeE?si=NruP9cvgb0mgY8ip Introduction •Tim kicks off Episode 400 live with listeners in the chat •Reflects on 10+ years of podcasting, over 1.3 million downloads •Expresses gratitude to listeners and the broader bike travel community Shout-Outs & Tributes •Listener shout-outs: •Forrest from Whitehorse on the GAP Trail •Byron and the Sprocket listener crossover poll (results were a 50/50 split) •Tribute to The Sprocket Podcast: •Final episode recently released •Strong influence on Pedalshift's creation •Encourages new listeners to explore the Sprocket back catalog •Shared values and crossover episodes remembered fondly Tour Reveal: Circumnavigating Lake Ontario •Dedicated to Tim's late father; the lake was important to him •Starting in Western New York, likely near Tim's mother's home •Full loop around Lake Ontario •Using the e-bike with a second battery for extended range •No camping: entirely hotel or Airbnb lodging •Expected duration: under a week •Part of 2025 goals: new route, international travel, expanded e-bike touring Pedalshift Spring Break •First planned break in podcast history (show remains weekly) •Begins April 24, 2025 •Through May, rebroadcasting selected past mini-tours: •Game of Chance Tour •Cleanup Tour •Fill in the Blanks Tour •New content returns in June with: •Los Angeles Metro Bike Adventure (Episode 401) •Lake Ontario Tour coverage begins with Episode 402 Ask Me Anything (Live Chat Q&A) Tour Planning and Equipment •Uses RideWithGPS, Google Maps, and Street View for route planning •Recommends overlays like RideWithGPS heatmaps for checking route popularity •Apple Notes is the go-to tool for organizing transit and fast-forward trips •Safari and Brompton are the most used bikes for local/urban riding •Gravel/dirt touring is appealing, especially with proper gear; has done C&O and Erie Canal •Tour terrain preference: tie between forested and coastal routes C&O Canal Guidance •Cumberland to DC is a favorable direction due to logistics and parking •Recommends Harper's Ferry to Shepherdstown segment for beginners Tour Ideas and Alternatives •Florida ride likely to be retired after repeated versions •Considering Arizona desert rides, Florida Keys, or San Diego to Phoenix •Airline logistics (especially Southwest policy changes) influence decision-making •Possibility of international touring (Europe later in 2025, Australia someday) Fun Pop Culture AMA •Favorite Prince songs to bike to: •Let's Go Crazy •Seven (all-time favorite) •Raspberry Beret, Purple Rain, 1999 also mentioned •Brief discussion of cycling music and personal playlist choices Future Travel Hints •Canada's Lake Ontario loop is Tim's first true international bike tour •Possibility of a short European ride in late summer 2025 •Dreaming of riding in Australia during shoulder seasons Closing Remarks •Gratitude to listeners and live show participants •Encouragement to get out and ride, share stories, and connect with community •Next live show planned for later in the year •Spring break content begins April 24, new episodes resume in June
I feel like I just had a quarter-life crisis. I can't be having a midlife crisis already. At least Scandanavian synthesizers are cheaper than Alfa Romeos, although not by as much as you might think.Soundtrack"deep sea leaks" by Google Earth, James Riotto, and John Vanderslice, Street View (2024)"White Plains" bu John Vanderslice, Cellar Door (2004)"Scorpio Rising" by John Vanderslice and the Mountain Goats, Moon Colony Bloodbath (2009)"green grid" by Google Earth, James Riotto, and John Vanderslice, Street View (2024)"How the West Was Won by John Vanderslice, Dagger Beach (2013)
Lana trying to get on Street View with GOOGLE !
I haven't yet said this, but my intention with this and the previous three recordings was a hopscotch survey of Pacific Coast soundscapes. To recollect now, these have been Yoakam Point on the Oregon Coast, Copalis Ghost Forest on the Washington Coast, Keahou on the Big Island of Hawaii and now Preston Island in Crescent City, on the Northern California Coast.This reflection on Preston Island leads me to ponder sites along the lower Columbia River at length, for reasons which will soon reveal themselves.Preston Island is weird. For starters, it's not what anyone would call an island. You can walk right out onto its strange rocky surface from the mainland. The view from the island is breathtaking though, and I thought it made a better album cover than the island itself: The island is relatively flat, but also boulder-strewn and cracked. When I visited, it was foggy, and I felt like I was on the surface of another planet. Something about it seemed unnatural:It all clicked when I found this historical photo:Preston Island was carted off. It was mined down to a nub. Let's get our bearings. Here's an 1880's Crescent City map, and a modern satellite photo. (I guess cardinal north pointing up wasn't yet the rule.)On the map you'll see Preston Island clearly drawn as a landmass, and Hall's Bluff, appearing much less prominently than it does today. I outlined the locations on the satellite image. Here, all the rock contained in those geographical features was mined and dumped in the ocean to create the jetty you see on the upper right of the satellite image. They really moved mountains.This is what Preston Island used to look like, and here it is today, courtesy of Google Street View:Our soundwalk takes us from West 5th Street in Crescent City, over to the beach and up over what's now called Half Butte, to about where this old photo of Hall's Bluff (aka Lover's Rock) was taken in 1876. Look at the tiny figures on top for a sense of scale:The massive Lover's Rock headland, was also carted off to build the jetty. It's harder to match the original photo vantage point with Street View, but it's also just completely gone. But let's get back to Preston Island, that weird scab-land of a place. Let's take a closer look at it, because it gives our soundwalk such unique character about 17 minutes in. At a glance, it seems lifeless. A green hue, coming from chalky veins in the rock, adds to the otherworldliness of the landscape.Tide pools form on the perimeter, among the cracks and fissures in the rock substrate. It's here that I place my recording hat down and the soundscape is instantly transformed. The skitter of crabs and the capillary clicking sounds of tiny shellfish erupt to fill the high frequencies, while the surf sound is attenuated by the topography of the rocks.It's another world. A 2021 article in the Bandon Western World states, “Preston Island has a long history in Crescent City. Originally Preston Peak, the area was a sacred site for the Tolowa Nation.” It is not well known, but the Tolowa were the subject of the most persistent and possibly worst massacres of Native Americans in the USA, starting in 1853, in the Crescent City area. Now, I couldn't corroborate the name “Preston Peak”, but I have to admit I was not surprised to hear that a sacred place to Native Americans was destroyed. There have been others.Pillar RockConsider Pillar Rock (briefly “Pilot Rock”) in the Columbia River. Once a monolith upwards of 75 feet tall, it was dynamited and flattened at the 25 foot level to install a navigation light:The Chinookan name for the monolith was Talapus. A cannery built nearby in 1877 used a likeness similar to Talapus for its canned salmon label, Pillar Rock brand. The rock was dynamited by 1922 when, according to the shipping news, a red navigation light was established. Like Talapus, the spring Chinook fishery in the Columbia was a diminished remnant of what it once was when Pillar Rock Cannery suspended operations in 1947.In a surprising epilogue Pillar Rock is still an actively used trade mark today, in 2025. The company now fishes the waters of Alaska for wild Sockeye to fill the modern day tins.It's remarkable how Euro-Americans changed the landscape and practically wiped out the fishery, but the brand is the thing that perseveres. What does it say about us that this is the way things are?Let's consider the intriguing story of Mount Coffin, up the Columbia River about 40 river miles.Mount CoffinThe geological feature that was first described to the historical record by Lieutenant William R. Broughton in 1792, and given the name “Mount Coffin”, was a Chinookan canoe burial ground. It would have appeared much the same a half century later, when Charles Wilkes visited in 1841, but quite different than the 1900 image above. Imagine, if you will, thousands of dugout cedar canoes perched in the trees on the prominent outcrop, about five feet above ground, in varying states of decay, all with bows pointed more or less toward the ocean. Within these canoes lay the interned bodies of Chinookans of the Skilloot tribe, wrapped in cedar blankets with their belongings placed beside them. That scene came to a swift end in 1841.The U.S. Exploring Expedition, led by Charles Wilkes, camped on Mount Coffin in 1841. When the men accidentally let a campfire spread, it destroyed an estimated 3,000 burial canoes. The Chinookan Indians were distressed to discover that their burial site had been destroyed by the negligence of whites and, according to visiting artist Paul Kane, “would no doubt have sought revenge had they felt themselves strong enough to do so.” (Stealing from The Dead, Oregon Historical Quarterly)Many Upper Chinookan villages were by 1841 entirely depopulated following devastating waves of malaria in the early 1830's, so Paul Kane's observation rings true.Within a century this lowland was completely transformed. The largest lumber mill in the world was built upriver from Mount Coffin.Mount Coffin was completely dynamited and quarried, beginning in 1929. The site is a now home to a chemical plant. Flat as a pancake.Finally let's consider the monolith in the heart of the Columbia Gorge that few realize barely escaped dynamite. So we are told…Beacon RockTo the natives it was Che-che-op-tin. When Lewis & Clark mapped the area in 1805 it was referred to as “Beaten Rock” and on return a year later “Beacon Rock”. Later, the 1841 Wilkes Exploring Expedition labelled it “Castle Rock”, which stuck for the better part of a century. Since 1916, it's been Beacon Rock.Just west of Beacon Rock was a large village Captain Lewis in 1806 called Wah-clel-lah (a Watlala winter village):This village appears to be the winter station of the Wah-clel-lahs and Clahclellars…14 houses remain entire but are at this time but thinly inhabited, nine others appear to have been lately removed, and the traces of ten or twelve others of ancient date were to be seen in the rear of their present village. There was also another village at the very foot of beacon rock. Traces of it remained visible to the trained eye into the 1950's.“BIG BLAST WILL WRECK IT”“Castle Rock to Go” and “Whole Rock is Doomed” read the subheadings in a March 16th, 1906 article in The Oregonian. The article outlined how the owners, a coterie of eight businessmen including Dan Kerns, acting as the Columbia Construction Company, had already cut three 20 to 30 ft. tunnels under the southern aspect of the monolith in preparations to dynamite “the shoulder” of the rock and quarry the stone for building material, eventually removing it entirely. A Wikipedia entry states (without citation), “The United States Army Corps of Engineers planned to destroy the rock to supply material for the jetty at the mouth of the Columbia.” This appears to be incorrect. The Army Corps didn't have that plan. The Columbia Construction Company purported to have a plan to mine an initial two million tons for building material (possibly to include jetty material—there were no contracts) in 1906. Columbia jetty work began 20 years prior to that. The Columbia Construction Company was taken to court, and a jury sided with Portland & Seattle Railway, who argued the tunnels were part of an elaborate ruse to “claim damages from $100,000 to $500,000” from lost mining activity due to the rail line going through their intended quarry site. According to the plaintiffs, it was just a scheme to get the railway to pay dearly for the right of way. The jurors dashed that plan, stipulating a $5000 settlement. Was it an elaborate ruse? Or was the jury predisposed not to trust city businessmen? What was clear, according to The Oregonian, was that, “clergymen, leading citizens, women, teachers, and all classes in Portland and throughout the state were horrified as the proposed destruction of such a majestic landmark.” “I should judge Castle Rock contains 10 million tons of first class building stone,” Kerns said in 1906. Interestingly, that wouldn't have been enough for the massive Columbia jetty system, which ultimately required 13 million tons of rock, when competed in 1939, after half century of construction. Henry J. Biddle took ownership of Beacon Rock from the Columbia Construction Company in 1915, under the condition it would be preserved, and set about realizing his dream to build a trail to the summit.Henry J. Biddle purchased the rock in 1915 for $1 and during the next three years constructed a trail with 51 switchbacks, handrails and bridges. The three-quarter mile trail to the top, completed in April 1918, leads to views in all directions. (Wikipedia)Thanks for listening and reading. I'm thankful for your attention. Preston Island Soundwalk is available on all streaming platforms (Spotify, Apple, Tidal, Amazon, YouTube…) on Friday, February 21st.Thanks for reading Soundwalk! This post is public so feel free to share it. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit chadcrouch.substack.com/subscribe
In questo episodio di Retrogaming Lives, Roberto e Piermarco ci guidano attraverso le meraviglie della realtà virtuale, esplorando come questa tecnologia stia trasformando il modo in cui viviamo e sperimentiamo i videogiochi. Con un focus particolare su Google Earth, i conduttori discutono delle nuove tendenze nell'esplorazione virtuale, dove gli utenti possono "volare" sopra città e paesaggi, scoprendo dettagli in 3D che prima sembravano inaccessibili. Roberto e Piermarco analizzano diverse applicazioni che integrano Google Earth e Street View, confrontando le esperienze offerte da app come Wander, Fly e Earth Quest. Si immergono nei dettagli delle interfacce, discutendo le differenze tra queste applicazioni e come ognuna di esse offra un modo unico di esplorare il mondo. L'episodio si arricchisce di aneddoti personali e riflessioni su come la VR possa cambiare la nostra percezione della realtà. Inoltre, i conduttori presentano anche un gioco di simulazione di paracadutismo, "Skydive Sim", che offre un'esperienza immersiva e coinvolgente, permettendo agli utenti di lanciarsi virtualmente da altezze vertiginose e atterrare in luoghi iconici. Un episodio ricco di spunti che invita gli ascoltatori a esplorare il potenziale della realtà virtuale e a considerare come questa possa ampliare i nostri orizzonti. Contattateci al nuovo indirizzo elderbarabba@gmail.com Blog https://elderbarabba.blogspot.com/ Retrogaming Lives fa parte del Network VINTAGE PEOPLE Il canale Youtube https://www.youtube.com/@VintagePeople2022/featured Il canale Telegram https://t.me/VNTGPPLNTWRK
Avec ses 2 milliards d'utilisateurs, Google Maps est sans conteste l'application GPS la plus populaire au monde. Guidage optimisé, intégration de l'intelligence artificielle Gemini, amélioration de Street View : le service ne cesse d'innover. Pourtant, une fonctionnalité essentielle manque encore en France : la détection des radars.Pourquoi ? La réponse se trouve dans le Code de la route. En France, l'article R.413-15 interdit les avertisseurs de radars. Résultat, Google Maps n'offre pas cette option sur le territoire. Les conducteurs français doivent donc ruser avec d'autres outils comme Waze, qui signale des "zones de contrôle" en toute légalité. Mais jongler entre deux applications reste peu pratique. Heureusement, une astuce Android permet de contourner ce problème en combinant Google Maps et un outil dédié.L'application TomTom Amigo, disponible sur le Google Play Store, propose un mode "superposition" qui affiche des alertes sur d'autres applications, y compris Google Maps. Voici comment l'activer :-Téléchargez et installez TomTom Amigo, en activant la localisation et les instructions vocales.-Accédez aux trois points verticaux dans la barre de recherche.-Sélectionnez le mode superposition dans les paramètres de carte.-Autorisez la superposition sur d'autres applis.Une fois configuré, vous pourrez visualiser les alertes radar directement depuis votre écran de navigation Google Maps. Attention, prudence ! Si cette solution peut sembler idéale, les règles varient d'un pays à l'autre. Avant de prendre la route à l'étranger, vérifiez la législation locale pour éviter des amendes. Avec cette astuce, Google Maps reste votre compagnon de route, tout en s'adaptant aux contraintes légales. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Dans une bourgade isolée d'Espagne, le passage d'une voiture Street View a révélé l'impensable : une scène de crime capturée en plein jour. À Tajueco, village de 56 âmes en Castille-et-León, la caméra 360 degrés de Google Maps a immortalisé un homme chargeant un sac blanc suspect dans le coffre de sa voiture. L'image, prise en octobre 2024, s'est avérée être une preuve clé dans une enquête sur la disparition d'un homme cubain.L'homme disparu avait quitté son pays pour rejoindre son épouse, installée dans la région. Mais l'histoire vire au drame lorsqu'on découvre que cette dernière entretenait une liaison avec un habitant surnommé "El Lobo". Les enquêteurs, appuyés par des écoutes téléphoniques, ont renforcé leurs soupçons. Toutefois, c'est la photo capturée par hasard par Google Maps qui a offert l'élément visuel décisif.Ironie du sort : la dernière visite d'une voiture Street View à Tajueco remontait à 2009. Cette rare intrusion technologique dans ce village reculé a suffi pour immortaliser un moment crucial. Dans une rue déserte où le suspect pensait être à l'abri, la technologie est devenue un témoin implacable. Le corps démembré de la victime a été retrouvé dans le cimetière d'Andaluz, une commune voisine de seulement 12 habitants. Les enquêteurs continuent de chercher d'autres parties du corps, tandis que l'épouse de la victime et son amant présumé ont été arrêtés le 17 décembre. Cette affaire, devenue virale sur les réseaux sociaux, illustre l'ironie de la modernité : dans les recoins les plus isolés, la technologie peut déjouer les plans les plus sombres. Un meurtre que le coupable croyait parfait, mis à jour par un œil électronique de passage. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Killer captured by Google Maps while moving dismembered body to his car. UK woman left with Italian accent following a stroke. Passenger angers fellow flyers for bringing gigantic emotional support Great Dane dog onto flight. // SUPPORT by joining the Weird AF News Patreon http://patreon.com/weirdafnews - OR buy Jonesy a coffee at http://buymeacoffee.com/funnyjones Buy MERCH: https://weirdafnews.merchmake.com/ - Check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones
Astăzi explorăm o gamă largă de subiecte fascinante și actuale. Începem cu un caz incredibil: un criminal a fost prins datorită imaginilor surprinse de StreetView. Ne mutăm apoi la un mister care rămâne nerezolvat – dronele care au apărut în diverse locuri, dar despre care încă nu se știe prea multe. Pe lângă acestea, discutăm despre controalele introduse de Bulgaria la granița cu România și ce impact vor avea.Pe partea de sustenabilitate, vorbim despre reciclarea hainelor – ce se întâmplă cu ele de fapt după ce le predai? În plus, aflăm cum termenele de valabilitate ale alimentelor ar putea fi prelungite în viitor, pentru a reduce risipa.Nu lipsesc nici subiectele tehnologice. Huawei a depășit Apple la capitolul ceasuri inteligente, iar culorile noului Galaxy S25 au fost dezvăluite. Vorbim și despre Apple Maps, care nu e chiar atât de rău cum se spune, și despre cele mai descărcate aplicații din App Store. De asemenea, descoperim cum poți suna pe ChatGPT și ce înseamnă Google Gemini 2.0, care promite să revoluționeze interacțiunea cu agenții AI.În zona auto, Polestar 4 ne impresionează cu tehnologia sa „next level,” iar alianța dintre Nissan și Honda ar putea schimba piața auto. În plus, discutăm și despre Everything App, conceptul care își propune să unifice toate serviciile esențiale într-o singură aplicație.Din spațiu, aflăm ultimele noutăți despre misiunile NASA, recordurile doborâte de chinezi și noua poziție a Polului Nord. De asemenea, analizăm un subiect controversat: vaccinul împotriva cancerului disponibil exclusiv în Rusia, conform zvonurilor.În final, discutăm despre tehnologia cuantică, prin prisma calculatorului dezvoltat de Google, și despre modul în care AI-ul poate calcula durata vieții. Acoperim și știri din zona crypto, precum și excluderea unor companii din China, care schimbă echilibrul pe piața globală.
Le investigazioni sulle vulnerabilità dei router della cinese TP Link, il caso dell'omicidio in Spagna risolto grazie alla funzione Street View di Google Maps, i problemi di privacy degli elettrodomestici smart e la condanna all'oblio dei contenuti sul Web. A cura di Marco Schiaffino.
Wed, 18 Dec 2024 19:15:00 GMT http://relay.fm/clockwise/585 http://relay.fm/clockwise/585 Way Too Spatial 585 Dan Moren and Mikah Sargent Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. clean 1675 Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. This episode of Clockwise is sponsored by: Vitally: A new era for customer success productivity. Get a free pair of AirPods Pro when you book a qualified meeting. Coda.io: Your all-in-one collaborative workspace. Get six free months of the team plan. Guest Starring: Joe Rosensteel and Niléane Dorffer Links and Show Notes: Support Clockwise with a Relay FM Membership
Wed, 18 Dec 2024 19:15:00 GMT http://relay.fm/clockwise/585 http://relay.fm/clockwise/585 Dan Moren and Mikah Sargent Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. clean 1675 Rumors of a foldable iPad, spatial computing on the Mac, how often we use Street View-like features, and the iOS 18 features we've turned off. This episode of Clockwise is sponsored by: Vitally: A new era for customer success productivity. Get a free pair of AirPods Pro when you book a qualified meeting. Coda.io: Your all-in-one collaborative workspace. Get six free months of the team plan. Guest Starring: Joe Rosensteel and Niléane Dorffer Links and Show Notes: Support Clockwise with a Relay FM Membership
Pokémon Go is more than a worldwide craze that inhttps://www.patreon.com/QAAspired millions to hunt Zigzagoons through smartphone-enabled alternate reality. According to intelligence officials in several countries, it's also an information security threat. Since the game's release by game developer Niantic in 2016, people have pondered the potential uses of the data that's collected by aspiring PokéMasters as they meander outside and scan virtual PokéStops. Travis, Jake, Julian, and Liv dive into why a children's game about collecting fighting pets has inspired such paranoia. Including how Niantic's startup ancestor Keyhole, Inc. was saved from bankruptcy by the CIA, how Niantic's former parent company Google committed one of the worst data privacy violations in history through the “Wi-Spy” scandal, and Niantic's recent announcement that Pokemon Go data is being used to produce an artificial intelligence system they call a Large Geospatial Model (LGM). Gotta Catch ‘Em All! And by “Em All” we mean “massive amounts of data from everyone's smartphones for undisclosed purposes.” Subscribe for $5 a month to get all the premium episodes: https://www.patreon.com/qaa Editing by Corey Klotz. Theme by Nick Sena. Additional music by Pontus Berghe. Theme Vocals by THEY/LIVE (https://instagram.com/theyylivve / https://sptfy.com/QrDm). Cover Art by Pedro Correa: (https://pedrocorrea.com) https://qaapodcast.com QAA was known as the QAnon Anonymous podcast. REFERENCES Consumer Watchdog. Lost In The Cloud: Google And the US Government https://insidegoogle.com/wp-content/uploads/2011/01/GOOGGovfinal012411.pdf Gawker. Pokemon Go Is A Government Surveillance Psyop Conspiracy https://web.archive.org/web/20160712023458/http://blackbag.gawker.com/pokemon-go-is-a-government-surveillance-psyop-conspirac-1783461240 Pando. Oakland emails give another glimpse into the Google-Military-Surveillance Complex https://web.archive.org/web/20150819032041/https://pando.com/2014/03/07/the-google-military-surveillance-complex/ Financial Times. Lunch with the FT: Pokémon Go creator John Hanke https://www-ft-com.ezp-prod1.hul.harvard.edu/content/596ec790-afe8-11e6-9c37-5787335499a0 Dalton, Craig M. "Sovereigns, spooks, and hackers: An early history of Google geo services and map mashups." Cartographica: The International Journal for Geographic Information and Geovisualization 48.4 (2013): 261-274. Kilday, Bill. Never lost again: The Google mapping revolution that sparked new industries and augmented our reality. Harper Business, 2018. Wes's Blog. My Personal Journey On Google Earth https://westhierry.blogspot.com/2008/07/my-personal-journey-on-google-earth.html Intercept. Privacy Scandal Haunts Pokemon Go CEO https://theintercept.com/2016/08/09/privacy-scandal-haunts-pokemon-gos-ceo/ CJR. Poor coverage of Google's Street View scandal settlement https://www.cjr.org/the_audit/misleading_coverage_of_street.php RFI. Pokemon Go to jail - Frenchman nabbed hunting Pokemon on Indonesian military base. https://www.rfi.fr/en/asia-pacific/20160719-pokemon-go-jail-frenchman-nabbed-hunting-pokemon-indonesian-military-base CIA Office of Security. Are you At An Agency Facility? Pokemon NO! https://www.cia.gov/readingroom/docs/are%20you%20at%20an%20agency%20faci%5B15210727%5D.pdf Foreign Policy. The Great Pokemon Go Spy Panic. https://foreignpolicy.com/2024/11/29/pokemongo-cia-nsa-intelligence-spying/ Niantic Labs. Building a Large Geospatial Model to Achieve Spatial Intelligence https://nianticlabs.com/news/largegeospatialmodel
Phil Edwards is a video producer who worked at Vox for nearly 10 years, and now runs his own Youtube channel exploring the history of businesses, and lately has been using more and more maps. We go over one of his latest videos, “The Secret Economics of Google Street View” as a case study of how Phil thinks about maps to tell stories. We also talk about journalism on Youtube, and the business behind running a Youtube channel today.Sponsor: Beemaps by HivemapperGet access to high quality, fresh map data at https://beemaps.com/mindsUse promo code MINDS to get 50% off your API credits through Dec. 31 2024About PhilTwitterPhil's BlueskyPhil's YoutubeShownotesNote: Links to books are Amazon Affiliate links. I earn a small commission if you buy any of these books.Phil's trivia siteGeoGuessrPhil's video about Google Street ViewBook & Podcast recommendations:3 Scientists & Their Gods by Robert Wright (Affiliate Link)The Evolution of God by Robert Wright (Affiliate Link)On the Edge by Nate Silver (Affiliate Link)Freakonomics podcastAcquired PodcastMy conversation with Ashlee VanceWild Wild Space documentaryNeoHoogTimestamps(00:00) - Intro(00:52) - Sponsor: Beemaps(02:08) - Who is Phil Edwards?(03:13) - What does a Video Producer do?(04:29) - Chosing topics & stories(06:38) - Maps in video production(10:14) - Bringing a different element to maps stories(12:15) - Explaining Complicated Things(15:49) - Case Study: Google Street View Video(20:07) - Geoguessr(23:03) - Story & Journalism on Youtube(27:25) - Stories that Phil wants to work on(30:54) - Importance of visuals(34:58) - Learning Curve in Mapping & Animation(40:26) - Balancing Scientific Rigour and Story(49:53) - The Business of Youtube(54:09) - Choosing to scale or not(59:14) - Creating "content"(01:01:56) - Authenticity(01:05:00) - Valuing High Quality Journalism(01:10:18) - Succeeding on Patreon(01:13:46) - Creators that Phil admires(01:16:56) - Books & podcasts Recommendations(01:28:54) - Reporting On Vs Working In a field(01:31:40) - Where Phil finds inspiration(01:35:14) - Support the podcast on PatreonSupport the podcast on PatreonMy TwitterMy BlueskyRead Previous Issues of the NewsletterEdited by Peter XiongFind more of his work
Pokémon GO-spelers hebben grotendeels bijgedragen aan de ontwikkeling van een interactieve wereldkaart die met AI gebruikt kan worden door allerlei toepassingen en producten. Over dit Large Geospatial Model, waarbij de term 'spatial intelligence' wordt gebruikt, vertelt Joe van Burik in de Tech Update. Pokémon GO was de hype van 2016, en is ook in jaren daarna nog behoorlijke fanatiek gespeeld. Nu blijkt echter dat de data van de honderden miljoenen mensen die dat deden, wordt gebruikt voor de ontwikkeling van een Large Geospatial Model (LGM) door maker Niantic. Onder de term spatial intelligence wordt een AI-systeem gebouwd, wat neerkomt op een koppeling van een digitale wereldkaart aan locaties. Die kan gebruikt worden door allerlei toepassingen, van software tot autonomoe robots, om mee te interacteren. Juist omdat veel van deze data door voetgangers is vergaard (en niet met auto's, zoals de scans van Google voor Maps en Streetview) is deze veel completer. Verder in deze Tech Update: Chrome moet 'minimaal 15 tot 20 miljard dollar opleveren', zo voorspelt Bloomberg over de mogelijk gedwongen verkoop van die webbrowser door Google Er komen achtbanen en dergelijke attracties van Minecraft See omnystudio.com/listener for privacy information.
City storm drain after heavy rain. Why cede the sewers to Pennywise and the Teenage Mutant Ninja Turtles (heroes in a half-shell, turtle power)? After a large storm, it can sound pretty great down there — a symphony of spluts and gurgles. Look, obviously, no one is climbing into a drain with their futon to enjoy the sounds; because, claustrophobia. So, in this episode, we are bringing the storm drain to you. And while you're "down there," why not focus on something other than the news or your social media feed (which is just the news of the world and your family's **** takes). Go explore Edinburgh of the Seven Seas on StreetView or visit other obscure places that look temptingly off the grid. I have been obsessed with Tristan da Cunha's isolation for decades after stumbling upon her on Google Earth a few decades ago. For the longest time Tristan da Cunha has only been observable (online) from an overhead vantage; until some awesome person captured and uploaded it recently. BTW if any of y'all live on or know an affable person that lives on a remote ass island (Adak, Amundsen–Scott South Pole Station, etc) that could record some sound to share with this show, please message me. The original photo used in the episode's cover image is by Chris F.
Einmal an den Ort reisen, an dem sich die am weitesten von der Erde entfernten Menschen befinden – Google Maps macht es mit Street View für die ISS möglich.
Einmal an den Ort reisen, an dem sich die am weitesten von der Erde entfernten Menschen befinden – Google Maps macht es mit Street View für die ISS möglich.
Some signs of tech progress are obvious: the moon landing, the internet, the smartphone, and now generative AI. For most of us who live in rich countries, improvements to our day-to-day lives seem to come gradually. We might (might), then, forgive some of those who claim that our society has not progressed, that our lives have not improved, and that a tech-optimist outlook is even naïve.Today on Faster, Please! — The Podcast, I talk with economist Noah Smith about pushing the limits in areas like energy technology, how geopolitical threats spur innovation, and why a more fragmented industrial policy might actually be an advantage.Smith is the author of the popular Noahpinion Substack. He was previously an assistant finance professor at Stony Brook University and an economics columnist for Bloomberg Opinion.In This Episode* Recognizing progress (1:43)* Redrawing the boundaries of energy tech (12:39)* Racing China in research (15:59)* Recalling Japanese economic history (20:32)* Regulating AI well (23:49)* Rethinking growth strategy in the EU (26:46)Below is a lightly edited transcript of our conversationRecognizing progress (1:43)Pethokoukis: Noah, welcome to the podcast.Smith: Great to be here!Not to talk about other podcast guests, but I will very briefly — Last year I did one with Marc Andreessen and I asked him just how tech optimistic he was, and he said, “I'm not sure I'm an optimist at all,” that the most reasonable expectation is to expect the future to be like the past, where we have a problem building things in the real world, that some of our best ideas don't necessarily become everything they could be, and I think a perfectly reasonable baseline forecast is that, for all our talk about optimism, and “let's go,” and “let's accelerate,” that none of that happens. Does that sound reasonable to you or are you more optimistic?I'm optimistic. You know, a few years ago we didn't have mRNA vaccines. Now we do. And now we have a magical weight loss drug that will not only make you lose weight, but will solve half your other health problems for reasons we don't even understand yet.So much inflammation.Right. We didn't even have that a few years ago. That did not exist. If you told someone that would exist, they would laugh at you. A magic pill that not only makes you thin, but also just solves all these other health issues: They would laugh at you, Scott Alexander would laugh at you, everyone would laugh at you. Now it's real. That's cool.If you had told someone a few years ago that batteries would be as insanely cheap as they are, they would've been like, “What? No. There's all these reasons why they can't be,” but none of those reasons were true. I remember because they did actually say that, and then batteries got insanely cheap, to the point where now Texas is adding ridiculous amounts of batteries for grid storage. Did I predict that was going to happen? No, that surprised me on the upside. The forecasters keep forecasting sort of a leveling off for things like solar and battery, and they keep being wrong.There's a lot of other things like reusable rockets. Did you think they'd get this good? Did you think we'd have this many satellites in the low-earth orbit?AI just came out of nowhere. Now everyone has this little personal assistant that's intelligent and can tell them stuff. That didn't exist three years ago.So is that, perhaps, growing cluster of technologies, that's not just a short-term thing. Do you think all these technologies — and let's say particularly AI, but the healthcare-related stuff as well — that these taken together are a game-changer? Because people always say, “Boy, our lives 30 years ago didn't look much different than our lives today,” and some people say 40 years ago.But that's wrong!Yes, I do think that is wrong, but that people's perception.When I was a kid, people didn't spend all day looking at a little screen and talking to people around the world through a little screen. Now they do. That's like all they do all day.But they say that those aren't significant, for some reason, they treat that as a kind of a triviality.Like me, you're old enough to remember a thing called “getting bored.” Do you remember that? You'd just sit around and you're like, “Man, I've got nothing to do. I'm bored.” That emotion just doesn't exist anymore — I mean, very fleetingly for some people, but we've banished boredom from the world.Remember “getting lost?” If you walk into that forest, you might get lost? That doesn't happen unless you want to get lost, unless you don't take your phone. But the idea that, “Oh my God, I'm lost! I'm lost!” No, just look at Google Maps and navigate your way back.Being lost and being bored are fundamental human experiences that have been with us for literally millions of years, and now they're just gone in a few years, just gone!Remember when you didn't know what other places looked like? You would think, “Oh, the Matterhorn, that's some mountain in Switzerland, I can only imagine what that looks like.” And then maybe you'd look it up in an encyclopedia and see a picture of it or something. Now you just type it into Google Images, or Street View, or look at YouTube, look at a walking tour or something.Remember not knowing how to fix things? You just had no idea how to fix it. You could try to make it up, but really what you'd do is you'd call someone who was handy with stuff who had this arcane knowledge, and this wizard would fix your cabinet, or your dresser, or whatever, your stereo.Being lost and being bored are fundamental human experiences that have been with us for literally millions of years, and now they're just gone in a few years, just gone!So why does that perception persist? I mean, it's not hard to find people — both of us are probably online too much — who just will say that we've had complete and utter stagnation. I don't believe that, yet that still seems to be the perception, and I don't know if things haven't moved fast enough, if there are particular visions of what today should look like that haven't happened, and people got hung up on the flying-car, space-colony vision, so compared to that, GPS isn't significant, but I think what you have just described, not everybody gets that.Because I think they don't often stop to think about it. People don't often stop to think about how much the world has changed since they were young. It's like a gradual change that you don't notice day-to-day, but that adds up over years. It's like boiling the frog: You don't notice things getting better, just like the frog doesn't notice the water getting hotter.Do you think it's going to get hotter going forward, though? Do you think it's going to boil faster? Do you think that AI is such a powerful technology that it'll be indisputable to everybody that something is happening in the economy, in their everyday lives, and they look a lot different now than they did 10 years ago, and they're going to look a whole lot different 10 years from now?Utility, remember — back to econ class — utility is concave. A utility of wealth, utility of consumption, is concave, which means that if you get 10,000 more dollars of annual income and you're poor, that makes a hell of a lot of difference. That makes a world of difference to you. But if you're rich, it makes no difference to you. And I think that Americans are getting rich to the point where the new things that happen don't necessarily increase our utility as much, simply because utility is concave. That's how things work.In the 20th century, people escaped material poverty. They started out the century with horses and buggies, and wood-burning stoves, and freezing in the winter, and having to repair their own clothes, and having food be super expensive, and having to work 60-hour weeks, 80-hour weeks at some sweatshop, or just some horrible thing, and horrible conditions with coal smoke blackening the skies; and then they ended in nice, clean suburbia with computers and HDTVs —I guess maybe we didn't get those till the 2000s — but anyway, we ended the 20th century so much richer.Basically, material poverty in rich countries was banished except for a very few people with extreme mental health or drug problems. But then for regular people, material want was just banished. That was a huge increment. But if you took the same increment of wealth and did that again in the next century, people wouldn't notice as much. They'd notice a little bit, but they wouldn't notice as much, and I think that it's the concavity of utility that we're really working against here.In the 20th century, people escaped material poverty. They started out the century. . . having to work 60-hour weeks, 80-hour weeks at some sweatshop. . . and then they ended in nice, clean suburbia with computers and HDTVs . . .So is economic growth overrated then? That kind of sounds like economic growth is overrated.Well, no. I don't know that it's overrated. It's good, but I don't know who overrates it. Obviously it's more important for poor countries to grow than for rich countries to grow. Growth is going to make a huge difference to the people of Bangladesh. It's going to be life-changing, just as it was life-changing for us in the 20th century. They're going to have their 20th century now, and that's amazing.And, to some extent, our growth sustains their growth by buying their products; so that helps, and contributing to innovations that help them, those countries will be able to get energy more easily than we were because they're going to have this super-cheap solar power, and batteries, and all this stuff that we didn't have back in the day. They're going to have protections against diseases, against malaria, and dengue fever, and everything. We didn't have those when we were developing, we had to hack our way through the jungle.So growth is great. Growth is great, and it's better for the people in the poor countries than for us because of concavity of utility, but it's still good for us. It's better to be advancing incrementally. It's better to be feeling like things are getting better slowly than to be feeling like things aren't getting better at all.So many things have gotten better, like food. Food has gotten immeasurably better in our society than it was in the '90s. The food you can eat at a regular restaurant is just so much tastier. I don't know if it's more nutritious, but it's so much tastier, and so much more interesting and varied than it was in the '90s, and people who are in their 40s or 50s remember that. And if they stop to think about it, they'll be like, “You know what? That is better.” We don't always stop to remember what the past was. We don't remember what food was like in the '90s — I don't. When I'm going out to a restaurant to eat, I don't think about what a restaurant was like in 1994, when I was a kid. I don't think about that. It just doesn't come to mind. It's been a long time.In Japan I noticed it a lot, because Japan had, honestly, fairly bland and boring food up until about 2010 or so. And then there was just this revolution where they just got the most amazing food. Now Japan is the most amazing place to go eat in the world. Every restaurant's amazing and people don't understand how recent that is. People don't understand how 20 years ago, 25 years ago, it was like an egg in a bowl of rice and sort of bland little fried things. People don't remember how mediocre it was, because how often did they go to Japan back in 2005?It's better to be feeling like things are getting better slowly than to be feeling like things aren't getting better at all.Redrawing the boundaries of energy tech (12:39)Your answer raised several questions: One, you were talking about solar energy and batteries. Is that enough? Is solar and batteries enough? Obviously I read about nuclear power maybe too much, and you see a lot of countries trying to build new reactors, or restart old reactors, or keep old nuclear reactors, but over the long run, do we need any of that other stuff or can it really just be solar and batteries almost entirely?Jesse Jenkins has done a lot of modeling of this and what would be the best solutions. And of course those models change as costs change. As battery costs go down and battery capabilities improve, those models change, and we can do more with solar and batteries without having to get these other things. But the current models that the best modelers are making right now of energy systems, it says that we're probably looking at over half solar and batteries, maybe two thirds, or something like that. And then we'll have a bunch of other solutions: nuclear, wind, geothermal, and then a little bit of gas, we'll probably never completely get rid of it.But then those things will all be kind of marginal solutions because they all have a lot of downsides. Nuclear is very expensive to build and there's not much of a learning curve because it gets built in-place instead of in a factory (unless it's on a submarine nuclear plant, but that's a different thing). And then wind takes too much land, really, and also the learning curve is slower. Geothermal is only certain areas. It's great, but it's only certain areas. And then gas, fossil fuel, whatever.But the point is that those will all be probably part of our mix unless batteries continue to get better past where we even have expected them to. But it's possible they will, because new battery chemistries are always being experimented with, and the question is just: Can we get the production cost cheap enough? We have sodium ion batteries, iron flow batteries, all these other things, and the question is, can we get the cost cheap enough?Fortunately, China has decided that it is going to pour untold amounts of capital and resources and whatever into being the Saudi Arabia of batteries, and they're doing a lot of our work for us on this. They're really pushing forward the envelope. They're trying to scale every single one of these battery chemistries up, and whether or not they succeed, I don't know. They might be wasting capital on a lot of these, or maybe not, but they're trying to do it at a very large scale, and so we could get batteries that are even better than we expect. And in that case, I would say the share of solar and batteries would be even higher than Jesse Jenkins and the other best modelers now predict.But you don't know the future of technology. You don't know whether Moore's Law will stop tomorrow. You don't know these things. You can trace historical curves and forecast them out, and maybe come up with some hand-wavy principles about why this would continue, but ultimately, you don't really know. There's no laws of the universe for technological progress. I wish there were, that'd be cool. But think solar and batteries are on their way to being a majority of our total energy, not just electricity, but total energy.Racing China in research (15:59)Does it concern you, in that scenario, that it's China doing that research? I understand the point about, “Hey, if they want to plow lots of money and lose lots of money,” but, given geopolitical relations, and perhaps more tariffs, or war in the South China Sea, does that concern you that that innovation is happening there?It absolutely does concern me. We don't want to get cut off from our main sources of energy supply. That's why I favor policies like the Inflation Reduction Act. Basically, industrial policy is to say, “Okay, we need some battery manufacturing here, we need some solar panel manufacturing here in the country as a security measure.” Politicians always sell it in terms of, “We created this many jobs.” I don't care. We can create jobs anyway. Anything we do will create jobs. I don't care about creating specific kinds of jobs. It is just a political marketing tactic: “Green jobs, yes!” Okay, cool, cool. Maybe you can market it that way, good for you.But what I do care about is what you talked about, which is the strategic aspect of it. I want to have some of that manufacturing in the country, even if it's a little inefficient. I don't want to sacrifice everything at the altar of a few points of GDP, or a few tenths of a percent of points of GDP at most, honestly. Or sacrifice everything in the altar of perfect efficiency. Obviously the strategic considerations are important, but, that said, what China's doing with all this investment is it's improving the state of technology, and then we can just copy that. That's what they did to us for decades and decades. We invented the stuff, and then they would just copy it. We can do that on batteries: They invent the stuff, we will copy it, and that's cool. It means they're doing some of our work, just the way we did a lot of their work to develop all this technology that they somehow begged, borrowed, or stole.. . . what China's doing with all this investment is it's improving the state of technology, and then we can just copy that. That's what they did to us for decades and decades. We invented the stuff, and then they would just copy it. We can do that on batteries. . .The original question I asked about: Why should we think the future will be different than the recent past? Why should we think that, in the future, America will spend more on research? Why do we think that perhaps we'll look at some of the regulations that make it hard to do things? Why would any of that change?And to me, the most compelling reason is, it's quite simple just to say, “Well, what about China? Do you want to lose this race to China? Do you want China to have this technology? Do you want them to be the leaders in AI?” And that sort of geopolitical consideration, to me, ends up being a simple but yet very persuasive argument if you're trying to argue for things which very loosely might be called “pro-progress” or “pro-abundance” or what have you.I don't want to whip up any international conflict in order to stimulate people to embrace progress for national security concerns. That wouldn't be worth it, that's like wagging the dog. But, given that international conflict has found us — we didn't want it, but given the fact that it found us — we should do what we did during the Cold War, during World War II, even during the Civil War, and use that problem to push progress forward.If you look at when the United States has really spent a lot of money on research, has built a lot of infrastructure, has done all the things we now retrospectively associate with progress, it was for international competition. We built the interstates as part of the Cold War. We funded the modern university system as part of the Cold War. And a lot of these things, the NIH [National Institutes of Health], and the NSF [National Science Foundation], and all these things, of course those came from World War II programs, sort of crash-research programs during and just before World War II. And then, in the Civil War, of course, we built the railroads.So, like it or not, that's how these things have gotten done. So now that we see that China and Russia have just decided, “Okay, we don't like American power, we want to diminish these guys in whatever way we can,” that's a threat to us, and we have to respond to that threat, or else just exceed to the loss of wealth and freedom that would come with China getting to do what it wants to us. I don't think we should exceed to that.I don't want to whip up any international conflict in order to stimulate people to embrace progress. . . But, given that international conflict has found us. . . we should do what we did during the Cold War, during World War II, even during the Civil War, and use that problem to push progress forward.Recalling Japanese economic history (20:32)You write a lot about Japan. What is the thing you find that most people misunderstand about the last 30 years of Japanese economic history? I think the popular version is: Boom, in the '80s, they looked like they were ahead in all these technologies, they had this huge property bubble, the economy slowed down, and they've been in a funk ever since — the lost decades. I think that might be the popular economic history. How accurate is that?I would say that there was one lost decade, the '90s, during which they had a very protracted slowdown, they ameliorated many of the effects of it, but they were very slow to get rid of the root cause of it, which was bad bank debts and a broken banking system. Eventually, they mostly cleaned it up in the 2000s, and then growth resumed. By the time per capita growth resumed, by the time productivity growth and all that resumed, Japan was aging very, very rapidly, more rapidly than any country has ever aged in the world, and that masked much of the increase in GDP per worker. So Japan was increasing its GDP per worker in the 2000s, but it was aging so fast that you couldn't really see it. It looked like another lost decade, but what was really happening is aging.And now, with fertility falling all around the world right now in the wake of the pandemic, probably from some sort of effect of social media, smartphones, new technology, whatever, I don't know why, but fertility's falling everywhere — again, it looked like it had bottomed out, and then now it's falling again. We're all headed for what happened to Japan, and I think what people need to understand is that that's our future. What happened to Japan in the 2000s where they were able to increase productivity, but living standards stagnated because there were more and more old people to take care of. That is something that we need to expect to happen to us, because it is. And, of course, immigration can allay that somewhat, and it will, and it should. And so we're not because of immigrationWill it in this country? In this country, the United States, it seems like that should be something, a major advantage going forward, but it seems like it's an advantage we seem eager to throw away.Well, I don't know about eager to throw away, but I think it is in danger. Obviously, dumb policies can wreck a country at any time. There's no country whose economy and whose progress cannot be wrecked by dumb policies. There's no country that's dumb-proof, it doesn't exist, and it can't exist. And so if we turn off immigration, we're in trouble. Maybe that's trouble that people are willing to accept if people buy the Trumpist idea that immigrants are polluting our culture, and bringing all kinds of social ills, and eating the pets, and whatever the hell, if people buy that and they elect Trump and Trump cracks down hard on immigration, it will be a massive own-goal from America. It will be a self-inflicted wound, and I really hope that doesn't happen, but it could happen. It could happen to the best of us.There's no country whose economy and whose progress cannot be wrecked by dumb policies. There's no country that's dumb-proof, it doesn't exist, and it can't exist.Regulating AI well (23:49)Do you think what we're seeing now with AI, do you think it is an important enough technology that it is almost impossible, realistically, to screw it up through a bad regulation, through a regulatory bill in California, or something on the national level? When you look at what's going on, that if it's really as important as what perhaps the most bullish technologists think it is, it's going to happen, it's going to change businesses, it's going to change our lives, and unless you somehow try to prohibit the entire use of the technology, there's going to be an Age of AI?Do people like me worry too much about regulation?I can't say, actually. This is not something I'm really an expert on, the potential impact of regulation on AI. I would never underestimate the Europeans' ability to block new technologies from being used, they seem to be very, very good at it, but I don't think we'll completely block it, it could hamper it. I would say that this is just one that I don't know.But I will say, I do think what's going to happen is that AI capabilities will outrun use cases for AI, and there will be a bust relatively soon, where people find out that they built so many data centers that, temporarily, no one needs them because people haven't figured out what to do with AI that's worth paying a lot of money for. And I have thoughts on why people haven't thought of those things yet, but I'll get to that in a second. But I think that eventually you'll have one of those Gartner Hype Cycles where eventually we figure out what to do with it, and then those data centers that we built at that time become useful. Like, “Oh, we have all these GPUs [graphics processing units] sitting around from that big bust a few years ago,” and then it starts accelerating again.So I predict that that will happen, and I think that during the bust, people will say, just like they did after the Dot-com bust, people will say, “Oh, AI was a fake. It was all a mirage. It was all useless. Look at this wasted investment. The tech bros have lied to us. Where's your future now?” And it's just because excitement about capabilities outruns end-use cases, not all the time, obviously not every technology obeys this cycle, for sure . . . but then many do, you can see this happen a lot. You can see this happen with the internet. You can see this happen with railroads, and electricity. A lot of these things, you've seen this pattern. I think this will happen with AI. I think that there's going to be a bust and everyone's going to say, “AI sucks!” and then five, six years later, they'll say, “Oh, actually AI is pretty good,” when someone builds the Google of AI.Rethinking growth strategy in the EU (26:46)To me, this always gets a lot of good attention on social media, if you compare the US and Europe and you say, the US, it's richer, or we have all the technology companies, or we're leading in all the technology areas, and we can kind of gloat over Europe. But then I think, well, that's kind of bad. We should want Europe to be better, especially if you think we are engaged in this geopolitical competition with these authoritarian countries. We should want another big region of liberal democracy and market capitalism to be successful.Can Europe turn it around? Mario Draghi just put out this big competitiveness report, things Europe can do, they need to be more like America in this way or that way. Can Europe become like a high-productivity region?In general, European elites' answer to all their problems is “more Europe,” more centralization, make Europe more like a country. . . But I think that Europe's strength is really in fragmentation . . .I think it can. I wrote a post about this today, actually, about Mario Draghi's report. My bet for what Europe would have to do is actually very different than what the European elites think they have to do. In general, European elites' answer to all their problems is “more Europe,” more centralization, make Europe more like a country. You know, Europe has a history of international competition. France, and Germany, and the UK, and all these powers would fight each other. That's their history. And for hundreds of years, it's very difficult to change that mindset, and Mario Draghi's report is written entirely in terms of competitiveness. And so I think the mindset now is “Okay, now there's these really big countries that we're competing with: America, China, whatever. We need to get bigger so we're a big country too.” And so the idea is to centralize so that Europe can be one big country competing with the other big countries.But I think that Europe's strength is really in fragmentation, the way that some European countries experiment with different institutions, different policies. You've seen, for example, the Scandinavian countries, by and large, have very pro-business policies combined with very strong welfare states. That's a combination you don't see that in Italy, France, and Germany. In Italy, France, and Germany, you see policies that specifically restrict a lot of what business can do, who you can hire and fire, blah, blah, blah. Sweden, and Denmark, and Finland, and Norway make it very easy for businesses to do anything they want to do, and then they just redistribute. It's what we in America might even call “neoliberalism.”Then they have very high taxes and they provide healthcare and blah, blah, and then they basically encourage businesses to do business-y things. And Sweden is more entrepreneurial than America. Sweden has more billionaires per capita, more unicorns per capita, more high-growth startups per capita than America does. And so many people fall into the lazy trap of thinking of this in terms of cultural essentialism: “The Swedes, they're just an entrepreneurial bunch of Vikings,” or something. But then I think you should look at those pro-business policies.Europeans should use Sweden as a laboratory, use Denmark, use Norway. Look at these countries that are about as rich as the United States and have higher quality of life by some metrics. Look at these places and don't just assume that the Swedes have some magic sauce that nobody else has, that Italy and Greece and Spain have nothing to learn from Sweden and from Denmark. So I think Europe should use its fragmentation.Also, individual countries in Europe can compete with their own local industrial policies. Draghi talks about the need to have a Europe-wide industrial policy to combat the industrial policies of China and America, but, often, when you see the most effective industrial policy regimes, they're often fragmented.So for example, China until around 2006, didn't really have a national industrial policy at all. At the national level, all they did was basically Milton Friedman stuff, they just privatized and deregulated. That's what they did. And then all the industrial policy was at the provincial and city levels. They went all out to build infrastructure, to attract FDI [foreign direct investment], to train workers, all the kinds of things like that. They did all these industrial policies at the local level that were very effective, and they all competed with each other, because whichever provincial officials got the highest growth rate, you'd get promoted, and so they were competing with each other.Now, obviously, you don't want to go for growth at the expense of anything else. Obviously you'd want to have things like the environment, and equality, and all those things, especially in Europe, it's a rich country, they don't just want to go for growth, growth, growth only. But if you did something like that where you gave the member states of the EU more latitude to do their local policies and to set their local regulations of things like the internet and AI, and then you use them as laboratories and copy and try to disseminate best practice, so that if Sweden figures something out, Greece can do it too, I think that would play to Europe's strength, because Draghi can write a million reports, but Europe is never going to become the “United States of Europe.” Its history and ethno-nationalism is too fragmented. You'll just break it apart if you try.The European elites will just keep grousing, “We need more Europe! More Europe!” but they won't get it. They'll get marginally more, a little bit more. Instead, they should consider playing to Europe's natural strengths and using the interstate competitive effects, and also laboratory effects like policy experimentation, to create a new development strategy, something a little bit different than what they're thinking now. So that's my instinct of what they should do.Faster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.Micro Reads▶ Business/ Economics* Behind OpenAI's Audacious Plan to Make A.I. Flow Like Electricity - NYT* OpenAI Pitched White House on Unprecedented Data Center Buildout - Bberg* OpenAI Executives Exit as C.E.O. Works to Make the Company For-Profit - NYT* OpenAI to Become For-Profit Company - WSJ* Mark Zuckerberg's AI Vision Makes Metaverse a Slightly Easier Sell - WSJ* Intel's Foundry Shake-Up Doesn't Go Far Enough - WSJ* OpenAI CTO Mira Murati Is Leaving the Company - Wired* Meta unveils augmented reality glasses prototype ‘Orion' - FT▶ Policy/Politics* The Schumer Permitting Exception for Semiconductors - WSJ Opinion* Biden breaks with environmentalists, House Dems on chip bill - Politico* Mark Zuckerberg Is Done With Politics - NYT▶ AI/Digital* I Built a Chatbot to Replace Me. It Went a Little Wild. - WSJ* Meta's answer to ChatGPT is AI that sounds like John Cena or Judi Dench - Wapo* Want AI that flags hateful content? Build it. - MIT* The Celebrities Lending Their Voices to Meta's New AI - WSJ▶ Biotech/Health* Why do obesity drugs seem to treat so many other ailments? - Nature* Antimicrobial resistance is dangerous in more ways than one - FT Opinion* Who's Really Keeping Ozempic and Wegovy Prices So High? - Bberg Opinion▶ Clean Energy/Climate* Microsoft's Three Mile Island Deal Is Great News - Bberg Opinion* China's accelerating green transition - FT* Microsoft's Three Mile Island Deal Isn't a Nuclear Revival — Yet - Bberg Opinion* A Faster, Cheaper Way to Double Power Line Capacity - Spectrum* A Public Path to Building a Star on Earth - Issues▶ Space/Transportation* Hypersonic Weapons — Who Has Them and Why It Matters - Bberg▶ Up Wing/Down Wing* Trump Offers Scare Tactics on Housing. Harris Has a Plan. - Bberg Opinion* The Sun Will Destroy the Earth One Day, Right? Maybe Not. - NYT* How supply chain superheroes have kept world trade flowing - FT Opinion* Can machines be more ‘truthful' than humans? - FT Opinion▶ Substacks/Newsletters* America's supply chains are a disaster waiting to happen - Noahpinion* The OpenAI Pastiche Edition - Hyperdimensional* The Ideas Anticommons - Risk & Progress* Sam Altman Pitches Utopian impact of AI while Accepting UAE Oil Money Funding - AI Supremacy* The Government's War on Starter Homes - The Dispatch* NEPA Nightmares III: The Surry-Skiffes Creek-Whealton Transmission Line - Breakthrough Journal* Dean Ball on AI regulation, "hard tech," and the philosophy of Michael Oakeshott - Virginia's NewsletterFaster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit fasterplease.substack.com/subscribe
As notícias de hoje incluem o início da pré-venda oficial dos novos iPhones 16 aqui no Brasil, a França nomeando a primeira ministra responsável pelo setor de IA, o presidente Lula voltando a defender a regulação do setor de IA na ONU e aproveitando para criticar as Big Techs, a ASUS lançando no Brasil seu novo PC gamer portátil RoG Ally X, que falo por experiência quando digo que está um filézinho, e tem ainda a Google atualizando o Street View aqui no Brasil e em cerca de 80 países. Boa noite e bem-vindos ao Hoje no TecMundo, o seu resumo diário de tecnologia!
Einmal an den Ort reisen, an dem sich die am weitesten von der Erde entfernten Menschen befinden – Google Maps macht es mit Street View für die ISS möglich.
Vous ne le savez peut-être pas, mais Google Maps propose un calque dédié à la qualité de l'air dans la zone que vous consultez ou où vous vous trouvez. De « bon » à « extrêmement mauvais », six niveaux sont disponibles pour évaluer l'état de l'air. Que ce soit sur votre PC ou votre mobile, l'activation de cette fonctionnalité se fait en quelques clics seulement. Alors, comment l'utiliser ?L'accès à l'option « qualité de l'air » est simple. Tout se passe dans les « calques » de Google Maps, ces couches d'informations qui ajoutent des détails à la carte principale. Par exemple, la « vue satellite » affiche des images prises depuis l'espace, tandis que le calque « relief » montre les montagnes et vallées avec des ombrages. Il y a aussi « Street View », qui offre des panoramas à 360°, ou encore le calque « trafic en temps réel », très pratique pour connaître l'état de la circulation. Mais celui qui nous intéresse aujourd'hui, c'est bien sûr le calque « qualité de l'air ».Pour l'activer, rien de plus simple. Sur ordinateur, cliquez sur l'icône « calques » en bas à gauche, et sur mobile, vous la trouverez en haut à droite de l'écran. Ensuite, sélectionnez le calque « qualité de l'air » en bas de la liste. Une fois activée, cette fonctionnalité vous permet de connaître l'indice de la qualité de l'air (IQA) de la zone consultée, avec des informations mises à jour toutes les heures. En France, les données proviennent de Geod'air, géré par l'Ineris, l'Institut national de l'environnement industriel et des risques. Sur l'application, l'indice de la qualité de l'air (IQA) est mis à jour toutes les heures. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Imagine a world where all the information about the city or town you live in - from bike share availability to flood detection to nocturnal bat activity - is readily available in a 3D map on your mobile phone. A world where data-driven cities use geospatial artificial intelligence, such as interactive mapping, 3D environments, modelling and simulations, to manage their urban environments and tackle problems in real time. The digital transformation of maps and mapping that has been underway in recent decades is far from over and is likely to see highly visual 3D maps replace 2D maps among other advances, according to a presentation by Prof Rob Kitchin of Maynooth University's Department of Geography and Social Sciences Institute (MUSSI) to the 2024 International Geographical Congress (IGC). He was delivering the keynote address at a session on the future of mapping at the largest gathering of international geographers which is taking place in Ireland for the first time. In his talk, Prof Kitchin said the process of digital transformation continues to evolve and will demand new ways to make sense of mapping. Prof Kitchin said that urban 'digital twins', a twinning of physical environments and systems and a virtual counterpart, are still in their infancy. Presently they exist as City Information Modelling (CIM), where a detailed virtual model mirrors the urban landscape with accurate topology and topography and realistic buildings and landscape rendering and in which administrative and real-time data can be visualised. However, such models are far from being a true digital twin in terms of changes in the real world being updated in real-time in the virtual model, and changes in the model creating an alteration in geographic space. "Yet CIMs and the promise of digital twins have captured the interest of many stakeholders. Governments see them as a useful tool for urban management and governance, formulating and assessing urban planning, and the monitoring of city services and policies. Architectural, construction, and planning businesses see them as a means to develop and sell urban designs and plans. "Researchers aim to use them to produce urban simulations and models and to facilitate participatory projects relating to local places, and civil society organisations are interested in creating new kinds of counter-mapping initiatives that might open up new political conversations about urban development," Prof Kitchin said. He noted that CIMs allow: users to be immersed in, and walk or fly through, digital landscapes display many kinds of spatial and environmental data experiment with building and urban designs such as altering building dimensions run various forms of simulations and models such as traffic movement act as a collaborative environment for discussion, design practice and operations By doing so, they have the potential to enrich public understanding of prospective urban design in public consultation, facilitate participatory planning and improve communication of sustainability science, and aid real-time management of city infrastructures and space. He also noted that digital twins and deep maps prompt critical reflection on the nature of mapping. While such methods are cast as "value-free, objective" they are instead "an engine, not a mirror" in that they change rather than just reflect the world. In this sense, they are far from being neutral tools but reflect the ambitions and aims of their creators. The IGC session was co-hosted with the RGS-IBG Annual International Conference taking place in London. Also presenting at the same event were Luke Barrington, AI Product Lead for Google Dublin, and Celine Rozenblat, Chair of the United Nations Geospatial societies on Global Geospatial Information Management who discussed the development of Geo-AI. In his presentation, "Earth AI: Models of the planet as seen from satellites to Street View and everything in between", Google's Barrington spoke about using geospatial obse...
The trial of Robert Telles, the former Clark County public administrator accused of murdering Las Vegas journalist Jeff German, entered a critical phase as the prosecution neared the end of its case. This week's testimony focused on evidence collected during the investigation, particularly the steps taken by law enforcement to tie Telles to the crime. One of the key pieces of evidence presented was a series of text messages exchanged between Telles and his colleague, Roberta Lee-Kennett, after German's death. The messages highlighted Telles' concern about the similarities between his vehicle and the one identified as the suspect vehicle. “I am. Very worried,” Lee-Kennett texted, to which Telles responded, “My car has all matching wheel patterns.” The exchange concluded with Lee-Kennett noting, “[Expletive] … your car is identical.” The prosecution then called Christie Baxter, a crime scene analyst supervisor for LVMPD. Baxter described the evidence collection process at the scene of German's murder, including the handling of DNA swabs and blood samples. She also recounted photographing Telles' office during the investigation, with these images shown to the jury. A significant portion of the day's testimony came from Matthew Hovanec , a digital forensics expert, who discussed the extraction of data from Telles' Google Pixel smartphone. Hovanec revealed that Telles had repeatedly searched for information related to Jeff German, including viewing his residence on Google Maps and Google Street View. He presented evidence showing that Telles' phone stored 132 Street View images of German's home, viewed approximately 20 days before the murder. During cross-examination, Draskovich questioned the possibility of Telles' phone being hacked, a theory that Hovanec dismissed due to a lack of supporting evidence. The prosecution emphasized that the search for German's residence occurred on Telles' work computer during office hours, indicating a preoccupation with the journalist. The court then heard from LVMPD homicide detective Justine Gatus, who provided a comprehensive account of the investigation into German's death. Gatus detailed how her team followed up on tips, including ones that suggested Telles as a suspect. She also described the discovery of foreign DNA under German's fingernails, which eventually led to Telles being stopped for a sample. The defense sought to undermine the prosecution's case by pointing out the deletion of a body camera video from Telles' traffic stop. Draskovich argued that this deletion was significant, but Gatus clarified that it was an automated system process and not a deliberate act by investigators. After several hours of cross-examination, the prosecution rested its case. The defense is set to begin calling witnesses when the trial resumes on Tuesday at 10:30 a.m. The trial's outcome now rests on the jury's interpretation of the extensive evidence presented over the past week. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com
Hidden Killers With Tony Brueski | True Crime News & Commentary
The trial of Robert Telles, the former Clark County public administrator accused of murdering Las Vegas journalist Jeff German, entered a critical phase as the prosecution neared the end of its case. This week's testimony focused on evidence collected during the investigation, particularly the steps taken by law enforcement to tie Telles to the crime. One of the key pieces of evidence presented was a series of text messages exchanged between Telles and his colleague, Roberta Lee-Kennett, after German's death. The messages highlighted Telles' concern about the similarities between his vehicle and the one identified as the suspect vehicle. “I am. Very worried,” Lee-Kennett texted, to which Telles responded, “My car has all matching wheel patterns.” The exchange concluded with Lee-Kennett noting, “[Expletive] … your car is identical.” The prosecution then called Christie Baxter, a crime scene analyst supervisor for LVMPD. Baxter described the evidence collection process at the scene of German's murder, including the handling of DNA swabs and blood samples. She also recounted photographing Telles' office during the investigation, with these images shown to the jury. A significant portion of the day's testimony came from Matthew Hovanec , a digital forensics expert, who discussed the extraction of data from Telles' Google Pixel smartphone. Hovanec revealed that Telles had repeatedly searched for information related to Jeff German, including viewing his residence on Google Maps and Google Street View. He presented evidence showing that Telles' phone stored 132 Street View images of German's home, viewed approximately 20 days before the murder. During cross-examination, Draskovich questioned the possibility of Telles' phone being hacked, a theory that Hovanec dismissed due to a lack of supporting evidence. The prosecution emphasized that the search for German's residence occurred on Telles' work computer during office hours, indicating a preoccupation with the journalist. The court then heard from LVMPD homicide detective Justine Gatus, who provided a comprehensive account of the investigation into German's death. Gatus detailed how her team followed up on tips, including ones that suggested Telles as a suspect. She also described the discovery of foreign DNA under German's fingernails, which eventually led to Telles being stopped for a sample. The defense sought to undermine the prosecution's case by pointing out the deletion of a body camera video from Telles' traffic stop. Draskovich argued that this deletion was significant, but Gatus clarified that it was an automated system process and not a deliberate act by investigators. After several hours of cross-examination, the prosecution rested its case. The defense is set to begin calling witnesses when the trial resumes on Tuesday at 10:30 a.m. The trial's outcome now rests on the jury's interpretation of the extensive evidence presented over the past week. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com
The trial of Robert Telles, the former Clark County public administrator accused of murdering Las Vegas journalist Jeff German, entered a critical phase as the prosecution neared the end of its case. This week's testimony focused on evidence collected during the investigation, particularly the steps taken by law enforcement to tie Telles to the crime. One of the key pieces of evidence presented was a series of text messages exchanged between Telles and his colleague, Roberta Lee-Kennett, after German's death. The messages highlighted Telles' concern about the similarities between his vehicle and the one identified as the suspect vehicle. “I am. Very worried,” Lee-Kennett texted, to which Telles responded, “My car has all matching wheel patterns.” The exchange concluded with Lee-Kennett noting, “[Expletive] … your car is identical.” The prosecution then called Christie Baxter, a crime scene analyst supervisor for LVMPD. Baxter described the evidence collection process at the scene of German's murder, including the handling of DNA swabs and blood samples. She also recounted photographing Telles' office during the investigation, with these images shown to the jury. A significant portion of the day's testimony came from Matthew Hovanec , a digital forensics expert, who discussed the extraction of data from Telles' Google Pixel smartphone. Hovanec revealed that Telles had repeatedly searched for information related to Jeff German, including viewing his residence on Google Maps and Google Street View. He presented evidence showing that Telles' phone stored 132 Street View images of German's home, viewed approximately 20 days before the murder. During cross-examination, Draskovich questioned the possibility of Telles' phone being hacked, a theory that Hovanec dismissed due to a lack of supporting evidence. The prosecution emphasized that the search for German's residence occurred on Telles' work computer during office hours, indicating a preoccupation with the journalist. The court then heard from LVMPD homicide detective Justine Gatus, who provided a comprehensive account of the investigation into German's death. Gatus detailed how her team followed up on tips, including ones that suggested Telles as a suspect. She also described the discovery of foreign DNA under German's fingernails, which eventually led to Telles being stopped for a sample. The defense sought to undermine the prosecution's case by pointing out the deletion of a body camera video from Telles' traffic stop. Draskovich argued that this deletion was significant, but Gatus clarified that it was an automated system process and not a deliberate act by investigators. After several hours of cross-examination, the prosecution rested its case. The defense is set to begin calling witnesses when the trial resumes on Tuesday at 10:30 a.m. The trial's outcome now rests on the jury's interpretation of the extensive evidence presented over the past week. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com
There is a long list of accolades for indie legend, producer, engineer, songwriter and musician John Vanderslice. In addition to being the owner of Oakland recording studio Tiny Telephone, he has released sixteen full length albums, five remix albums and EPs and worked with artists such Spoon, St. Vincent, Deerhoof, the Mountain Goats, and Grandaddy. His new project, Google Earth, is a collaboration with James Riotto and their debut album, Street View, leans heavily into the electronic realm. Geoff Stanfield caught up with John to discuss his career, this new release and more. Enjoy!
Research Director for California YIMBY, professional city planner and author of Arbitrary Lines, Nolan Gray, joins us to discuss how zoning impacts our communities, affordability of retail and commercial real estate. Zoning laws contributing to the affordable housing crisis and what we can do about it. Shifting from NIMBY to YIMBY mindset requires understanding benefits of growth. How zoning laws prevent new development, causing housing shortages and limiting entrepreneurship. California's statewide legalization of accessory dwelling units can be seen as a successful zoning reform example. We discuss how cities like Austin and Minneapolis have seen price stabilization by allowing for more mid-rise multi-family housing near transit and job-rich areas. Learn how to connect with local policymakers and planners to advocate for policy changes that encourage more housing supply. Resources mentioned: Show Notes: GetRichEducation.com/514 You can follow Nolan on X @mnolangray For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 00:00 Welcome to GRE. I'm your host. Keith Weinhold, if you don't take the right action, inflation will make you poorer. Then the affordable housing crisis keeps your tenant as your tenant is zoning. What's ruining American cities in keeping starter homes unaffordable or just plain extinct in some areas, how do we get more apartments and more density built today on Get Rich Education. When you want the best real estate and finance info, the modern Internet experience limits your free articles access, and it's replete with paywalls and you've got pop ups and push notifications and cookies disclaimers. Ugh. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life. See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point to get the letter. It couldn't be more simple text, GRE to 66866, and when you start the free newsletter, you'll also get my one hour fast real estate course, completely free. It's called the Don't Quit Your Daydream Letter, and it wires your mind for wealth. Make sure you read it. Text GRE to 66866, text GRE to 66866. Corey Coates 01:38 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 01:54 Welcome to GRE from Calgary, Alberta to Tirana Albania and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. When most investors think about inflation, they get it mostly wrong. Their strategy is inflation hedging. And you know, even if you successfully hedge inflation, you are really missing out. You've really got to get fired up about beating inflation. When did you get your first job? Like your first real job in your life? Let's say you did that when you were age 18. Well, that work that you did when you were 18, that created value for somebody else. And you could have done anything with your valuable youth, but instead, you chose to provide value by focusing your time and your energy to sweep floors or enter data into a spreadsheet for somebody else. You were paid for that work that you did. You were paid in dollars, well, if you just tried to store your finite energy that you expended for that employer into dollars, you will lose. Your value will be coerced away from you by your government that just incessantly and relentlessly debases the dollar that you earned at age 18, because they just keep printing more of them. Well, that money printer, which creates the inflation is then an extraction of your resources. Yeah, they extracted your resources, of your time, energy and ingenuity away from you when you were 18, and even the work that you do today, its value will get extracted away from you too. If you say, store dollars under your mattress, if you instead invest it so that its growth rate keeps up with inflation, well, then all you've done is hedge inflation. My point is, get upset about how the system extracts resources from you. And my other point is, don't hedge. Hedge just means that you're treading water. Position yourself to win instead, because you can when you buy income producing property with a loan, you don't just hedge against the inflation. You win three ways at the same time. You probably know that's called the inflation Triple Crown, a concept that I coined. You can watch the three part video series on net, free. It's now easier than ever to access, learn how to actually profit from inflation, not just hedge yourself against it. You can watch that, and it's friction free. There's no email address to leave or anything. Simply watch learn and maybe even be amazed at how you can do this. Those three videos are available. At getricheducation.com/inflationtriplecrown, that's sort of long, so you can also get there with getricheducation.com/itc. Again, that's getricheducation.com/itc. Before we talk with our guests about how zoning is making the affordable housing crisis, even worse, housing values and rents are really looking stable in today's environment. CoreLogic tells us that single family rents are up 3.2% annually. That's the highest rate in a year. And when it comes to prices, the NAR tells us that existing single family home prices hit a record high of $426,900 and that is an all time high. And note that that's existing homes, not new. So median existing homes are basically 427k now. And what does that really mean? Well, that is up 4.1% year over year, the real estate market continues to be it's sort of this tale of the equity rich versus the affordability challenged. Are you equity rich or are you affordability challenged? Well, the more property that you own, the more equity rich you are feeling, that you're going to feel, and oftentimes you're renting out property to the affordably challenged. Of course, the big buzz and a potential really turning point in the economy here or not, it really began about 10 days ago. That's when America reported weak jobs numbers, and that set the unemployment rate from 4.1% up to 4.3%. Citigroup and JP Morgan are now predicting half point Fed rate cuts in both September and November, not just quarter point cuts anymore. I mean, gosh, if there's one thing that we really know, it's that nobody really knows anything. Starting about two years ago, everyone thought a recession was eminent. Bloomberg even said there was a 100% chance that we'd have one by last year. Wrong, wrong, wrong. Everyone thought there would be six or seven Fed rate cuts this year. Wrong, wrong, wrong. You can't even completely count out of rate cut at the next meeting. I mean, sheesh, before that time, we still have two new CPI reports to come out and another jobs report. So, you know, over the long term, this is just how people act. They tend to get ahead of themselves and overreact, and that's really more of a stock market investor sort of thing. And yeah, despite the volatility, you know, us real estate investors are here more chill than Snoop Dogg was at the Olympics. All this fear, what it does is it pushes money into bonds. And when money goes into bonds, it makes mortgage rates go down, and they recently hit 16 month lows near 6.4% and if rates stay low, millions of additional Americans will be able to qualify to buy property that couldn't before, and that could really put more upward pressure on property prices, more than this 4.1% year over year appreciation that we're currently seeing. We know that lots of investors are buying properties like you, getting equity rich and serving the affordability challenge. In fact, 60% of Home Builders indicated that they sold homes to investors from February through April, while 40% reported that they didn't sell to investors. And investors now represent wholly 25% of both new and resale residential transactions and among builders that sold to investors in the past 90 days, 69% of them sold to mom and pop investors. Mom and pop investors, they're loosely defined as those that own one to 10 rental units. They may very well be you. Institutional investors, those that own 10 plus investment properties in this home builders definition here. Well, those institutional investors, they accounted for just 4% of investor sales nationally. So again, more home builders are selling to small real estate investors, those that own one to 10 units. Well, now in almost 10 years of doing the show here, we've never had a full discussion about zoning, and really this is the time. Okay, this ends today because we describe how it's contributing to the affordable housing crisis and what we can do about it. I mean, anymore you really can't find a brand new build 250k starter home anymore, unless maybe it's a tiny home, which then really isn't a full home, and you sacrifice your lifestyle. Well, zoning is a big reason why the Supreme Court decision that deemed zoning constitutional that occurred in 1926. Yes, that's going to turn 100 in the year 2026 that Supreme Court decision that infamously referred to apartments as parasites. Wow. But yet is some zoning good? I mean, say that you and your family have your nice, quiet, single family home on an idyllic half acre lot. Well, if that's the case, should it be allowed that Bitcoin mining facility with its loud cooling fans is built right next to you I'll ask our guest expert about that, and what about say less offensive transgressions, like a condo board that says that you can't rent your unit out. How much zoning is too much or too little? I mean, is someone just being overly sensitive if a duplex is built next to their single family home and they complain about that? So we'll get into all of that. And it really comes down to limiting this McMansionization risk type of nimbyism, not in my backyardism. That's what it is. Again, you can watch the three free videos on how you can substantially and actionably profit from inflation, not hedge, but profit from inflation. It's the inflation triple crown. Be sure to check out those three videos at getricheducation.com/itc. I learned about this week's guest through reason.com we met in person at last month's Freedom Fest in Las Vegas. He is the research director for California Yimby, yes. Yimby, not NIMBY, that is yes in my backyard. And he's a professional city planner. He's the author of the book Arbitrary Lines, how zoning broke the American city and how to fix it. Welcome to GRE. Nolan Gray, Nolan Gray 12:24 thanks so much, Keith. It's a pleasure to be with you, Nolan, Keith Weinhold 12:26 you wrote one article for reason.com with such an interesting title, five words, Abolish Zoning-All of it, you're pretty emphatic there at what you'd like to have happen before we discuss that, why don't you tell us in your words what zoning is? Nolan Gray 12:44 So for the past 100 years, America's cities have been running a grand experiment and how they're governed. Essentially, what we've done, beginning in the 1920s is we said for every single parcel in the city, we're going to assign an allowed use. So most people, if you've played Sim City, you know this might be residential, commercial, industrial, but it goes into so much more detail than that. Different types of residential might be allowed in different parts of the city, commercial, etc, and the vast majority of most American cities, the only form of residential that's allowed is a detached, single family home, right? So that's one half of it, the second half of what zoning is doing, it's placing arbitrary density limits. So the amount of actual housing or amount of floor area that you can build on any particular lot. And it's important to distinguish this from other forms of land use regulation, because in many cases, these rules aren't actually based on any health or safety concerns, but instead a sort of social project of engineering what a correct city should look like. And as I argue in the book and we can discuss over the course of this conversation, is I argue that these rules have actually had incredible harms for our cities and are at the root of our current housing affordability crisis. Keith Weinhold 13:45 I think zoning initially, it began in New York City about 100 years ago. Nolan Gray 13:50 Yeah, so New York City adopted one of the first modern zoning ordinances in 1916 a handful of other cities did so as well. So I'm coming to you from California, Berkeley, California also adopted zoning in this year. And essentially, what happened after New York City adopted it was the federal government put together what's called the standard zoning Enabling Act. They mailed that out to every single state in the country and started putting a lot of pressure on states to adopt zoning and allow local governments to adopt zoning. And then, with the rise of the Federal financial system, as part of the New Deal, housing programs. In many cases, local governments were required or strongly, strongly incentivized to adopt the zoning codes to be eligible for certain federal benefits. Keith Weinhold 14:29 You know, maybe philosophically, one might think, Nolan, well, America stands for freedom, and I should get to do what I want with my plot of land. But if everyone can do whatever they want with their plot of land. I mean, does that mean that my neighbor then could start a sloppy hog farm, or the neighbor on the other side of me could start a battery factory with smoke stacks? So do those sort of things help make the case for zoning? Nolan Gray 14:57 Yeah, that's a great question, you know. So before the rise of zoning. And we actually had a lot of rules for these classic nuisances, these classic externalities, things like smoke, smells, noise, or even just lots and lots of traffic generation. We had rules to say, Hey, if you want to operate certain types of uses, you need to be in a certain designated area where we're going to tolerate a much higher level of externalities. Zoning does that, but it also does so much more. And it's those other aspects that I think are ill conceived. So for example, of course, we don't want a slaughterhouse next to a single family home, but zoning might also say, Oh, by the way, you're not allowed to have a duplex next to a single family home. You're not allowed to start a home based business. You're not allowed to operate certain commercial uses out of certain strip malls in certain parts of the city. You're not allowed to build anything unless you have a certain amount of number of off street number of off street parking spaces, which can make adaptive reuse of historic properties very difficult. So I think absolutely there's a core of land use regulation that makes sense, that's focused on neighbors, not imposing costs on each other, but our current system goes so much further than that, in many ways, imposes new and unconceived costs, including increasing housing prices, limiting housing options in many of our neighborhoods, making it harder to start a business or to have neighborhoods serving retail in many of our neighborhoods. Keith Weinhold 16:09 So perhaps zoning has just simply gone too far, and you touched on it earlier. It seems to me that about three quarters of the area of most cities have zoning restricted only to single family home building, for example, and they ban apartments completely. So maybe, as we try to find the right balance of how much zoning is right, tell us more about really the thesis of your book and why we should ban zoning completely. Nolan Gray 16:38 Of course, we need certain regulations for externalities and nuisances, and to certain extent that can be resolved through litigation, but ideally you look for it and you say, okay, look, there are certain areas where we're going to tolerate certain nuisances and other places where we will not. But beyond that, I think so much of what our land use regulations do is actually causing harm. It's preventing property owners from using their property in ways that are not in any meaningful sense, harmful to their neighbors. It's created this context where now if you want to build just about anything in the typical American city, you have to go through multiple public hearings, you have to do an environmental report in some states, you have to get the permission of local elected officials, you have to undertake all these actions that heavily politicize every new development. And so what we get is so many of our neighborhoods and so many of our cities are locked in amber. And this is partly why, over the last few years, where we've seen a huge amount of demand flow into housing, we've simply had these extreme shortages because markets could not respond with the supply that many of our communities needed. So for example, a starter home in many US cities today might be a townhouse, it might be a two bedroom condo, it might be a single family home on a 2500 square foot lot, but those are precisely the forms of housing that in many cases, our zoning codes make illegal to build. So we're essentially saying if you can't afford at least a certain level of housing, you're not allowed to live in many parts of the community, if in the community altogether, or the same with businesses, if you want to start a small business that might not necessarily have any impact on your neighbors, you might require a special permit. You might require a hearing. You might require to attend a hearing where your competitors are going to show up and oppose your project, purely on a cynical basis. So what it's done is it's created this incredibly disruptive system that's prevented our cities from being entrepreneurial and adaptive, and I think this is the root of a lot of the problems that we're facing today. Keith Weinhold 18:17 Oh, you really surface some good points there Nolan, when I think of over zoning, and we talk about how a lot of times you can't build anything more than a single family home, that certainly creates a lot of problems. Gentrification is sort of a bad word, kind of sprucing up community so much, raising the value so much, that one problem is that familial bonds decay when children that grew up in, say, Southern California, can no longer afford to live there, so they have to move to lower cost Las Vegas, a four to five hour drive away. Excessive gentrification. You touch that, it also harms mobility. If you want to move from Atlanta to Boston for a tech job but you can't find housing, you're not going to move there, so therefore, talent doesn't get matched up with opportunity. Nolan Gray 19:07 That's exactly right. I mean, this is a at the national scale. This is an important piece of the puzzle, which is we've made it hardest to actually move to some of our most productive places. So as you mentioned, places like Los Angeles, San Francisco, Boston, New York City, for all their problems, these are incredibly productive places where folks can move to and get high paying jobs and other good educational opportunities, but in many cases, these are the most expensive cities in our country, and it's in no small part because of the many rules and regulations that make it so hard to build housing in those contexts. So you're exactly right. Folks actually turn down higher paying jobs or better opportunities and move to places simply because the housing is more affordable, and you pick up on a really important piece of this, which is in many cases, this is breaking apart families. So a lot of folks who are born and raised in a place like California, their parents might have been able to buy their home in the 70s or 80s or 90s, but they can't afford a home. They have no long term path to actually staying in the community. And so what you're actually seeing is neighborhoods and communities being ripped apart. If the situation in places like California has actually got to be so bad that many of the people who are in a certain sense, beneficiaries of the status quo, maybe they own their home and they're seeing the value go up and up and up. They're also saying, Oh, my children can't afford to live near me. I don't ever get to see my grandkids. The person who serves me at the hospital or at the supermarket can't afford to live here, and we're having trouble keeping folks on. The crisis got to be so bad in certain places like California that we're starting to see tremors of reform. But one of the things I like to say is, if you want to fall into a California style housing crisis, most parts of the country don't need to do anything the rules you have on the books have you moving in that trajectory, right? But if you want to remain a place where we can build more housing, where folks can buy their own home or buy small apartment buildings and start to build wealth, you have to allow for more supply to come online. Keith Weinhold 20:42 Sure, zoning so that you can't build anything other than single family homes compounds the affordability crisis. There really just isn't any such thing as a 250k starter home anymore, anywhere. You represent California, yimby and you live there in the state where people think of ground zero for excessive regulation and taxation and zoning too. I do read more about some zoning being relaxed in California, allowing for the building of an adu on a property, for example, to help build the density. But before you talk about some of the cracks that are actually starting to help break this down. Can you give any bad examples that are especially problematic there in your home state, Nolan? Nolan Gray 21:27 For the past 50 or 60 years, California, has been stuck under a NIMBY paradigm, not in my backyard, right? Every single new project is politically contentious, has to undertake an environmental report, has to undergo multiple public reviews, it takes years and years to get a permit, and that's if the housing is legal to build at all. As you know, in so many parts of California, there's very little to no new construction happening, and that's because of the rules on the books that make it so hard to build. To the extent that we allow new housing to be built, we have a whole bunch of mandates that force the housing to be a lot more expensive, and even if all that pencils again, it can take two years to get fully entitled in a permit. And so of course, the only housing that actually ends up getting built is quite expensive. And some folks say, Well, if we allow new housing to be built in California, it's all expensive. Well, yes, if you only allow a trickle of new housing in a very expensive context, of course the new housing is going to be expensive. But if you look to places like Texas and Florida, for example, that build lots and lots of new housing and don't have all of these costly mandates, they actually can build a lot of new housing, and actually can keep prices relatively under control and create that new supply of what we call missing middle, low rise housing. So as you mentioned, the tide, I think, is turning in California. The silver lining of things getting so bad is that the culture is shifting. And what we've seen is the emergence of this new yimby movement, or yes, in my backyard. And these are folks are saying, hey, not only is not building more, not this horrible threat to my community, but it's actually this enriching opportunity. It's good to have a growing, healthy, affordable community where folks are building, folks are able to move to high opportunity jobs, and folks are able to have choice in the neighborhood they live in. Keith Weinhold 22:55 We're talking about zoning and how that's made the affordable housing crisis worse in the United States with California, yimbys, Nolan, gray Nolan. Tell us more about just the exact sorts of codes that are problematic. We touched on apartment building bans, but I think we're also looking at things like off street parking requirements. You need to have so many off street parking spaces before you can build. Otherwise you can't build. You need to have a minimum lot size of a half acre or a quarter acre in order to build here. So can you talk more specifically about just some of those exact problems on the tactical level that are compounding here? Nolan Gray 23:34 Yeah, that's exactly right. So where are the housings illegal to build altogether. In many cases, there are a whole bunch of rules that increase the price of that housing. So in urban context, for example, where you might want to be building apartments, many cases, you might have parking requirements that say, Well, you have to have two parking spaces per unit or one parking space per bedroom. In many cases, that's what consumers might demand, and you would have to build that to lease out those units or to sell those condos. But if you're building in a context where you might be near a transit line, or you might be near a university campus, or you might be near a major job center, many of your renters might say, hey, actually, I would prefer to have a more affordable rental or a more affordable condo, because we know that there's no such thing as free parking. You know, if it requires a structure or excavation work, parking can easily add $50,000 to the price of a new unit, and so some consumers might want to pay for that, eat that cost, have a parking space. But many consumers, when we relax these rules and say, Hey, developers, you have the incentives and the local knowledge needed to decide how much parking to build. In many cases, we find that they share parking with other uses, so commercial during the day and residential at night, or they allow renters to opt into parking and to pay for parking, but what you get for many households is a cheaper unit. Now another rule that you mentioned, which is very important, is minimum loss size rules. This is certainly a lot more relevant. More relevant and suburban and rural context. But what we say is, if you want to be able to have a single family home, you have to be able to afford at least a certain amount of land. Now, when if you have a context where you don't have water and sewer installed, and you're operating on septic and well water, you do need larger lots as a matter of public health, but in most suburban context, these rules essentially serve no function except to increase the price of housing and the ability to determine what type of housing can be built where is the ability to determine who gets to live where. So if we say, well, you're not allowed to live in this neighborhood unless you can afford a 10,000 square foot lot or a 20,000 square foot lot, what we're essentially doing in 2024 where land is a major factor in affordability, is we're saying that a whole bunch of middle working class households are not allowed to live in these neighborhoods, or they're not allowed to ever become homeowners and start building wealth in the same way that past generations did. And you look at places like Houston, for example, where they don't have zoning, but they have a lot of zoning-like rules. In 1998 they reduced their minimum lot sizes from 5000 square feet citywide to 1400 square feet citywide. And what this did was this kicked off a townhouse and small lot single family home building boom that has helped to keep cities like Houston affordable a whole new supply of starter homes that again, offered that first step on the ladder of home ownership and wealth building. Keith Weinhold 25:52 Over the decades, home prices have outpaced incomes. There are a few reasons for that. One of them is inflation, with wages not keeping up with the real rate of inflation, but the other are barriers to development. We're talking more about that with Nolan gray. When we come back, you're listening to Get Rich Education. I'm your host, Keith Weinhold. Hey, you can get your mortgage loans at the same place where I get mine at Ridge Lending Group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. 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Earn 8% hundreds of others are text FAMILY to 66866, learn more about Freedom Family Investments, Liquidity Fund, on your journey to financial freedom through passive income. Text, FAMILY to 66866. Robert Kiyosaki 27:50 This is our Rich Dad, Poor Dad author, Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and the reason I respect Keith, he's a very strong, smart, bright young man. Keith Weinhold 28:14 Welcome back to Get Rich Education . We're talking with California, yimbys Nolan gray about zoning and how these barriers to development are compounding the affordable housing crisis, and there sure are a number of barriers to multi family production. I really think that's what wild it comes down to. You touched on it earlier, and it's something that I spoke about with our audience a month or two ago. Nolan, and that is, mmm, multi families, missing middle these two to four unit properties, duplexes to fourplexes, where they're only constructing about 40% as many of those here in recent years than they did 20 to 30 years ago. The way I think of it is when you lift barriers to multifamily production, of course, you incentivize builders. If a developer buys an acre of land for, say, $90,000 and they had planned to build one unit on that All right? Well, there's one set of inputs in income that a developer can look at. But instead, if you allow them to go from building one unit on this plot of land to two units on it, it increases their profit potential, and it incentivizes developers from that side as well. Nolan Gray 29:23 Yeah, absolutely. I mean, so there's been some great work by some friends over at the American Enterprise Institute. What they've done is they've created a nationwide map of mcmassionization risk. So when we have these conversations, we say, hey, let's allow for a range of housing typologies in more neighborhoods, duplexes, triplexes, small, low rise, multi family buildings, townhouses, the types of things that were commonly built in a range of neighborhoods before the rise of zoning. Every city in America has a neighborhood like this. That's a mixture of housing typologies. It would be illegal to build that today, but in many cases, we subject it to preservation requirements because we value it so much that we want to keep it. In any case, what happens when you don't allow that type of gradual incremental infill that keeps our communities affordable. What you get instead is the existing single family homes are converted into much larger, much more expensive single family homes. Now, again, there's nothing wrong with that. Many people might want to buy a smaller 19 fizzies bungalow and turn it into a much larger, 2500 square foot single family home, and God bless them if they want to do it. But what we have is rules on the books that say housing can only get more expensive, it can never get more affordable, or you can never unlock the wealth that's tied up in your land by building an adu or by building a duplex, or by creating more housing options for a range of households. And so that's really, really key. You know, the choice is not between, do we want our communities to change or not? The question is, do we want our communities to remain affordable and maybe change and have some more buildings built and more growth and more development. Or do we want our communities to change in the sense of they become more expensive? Folks retire and they move away, the neighborhood gradually becomes significantly more exclusionary, and young folks who moved grew up in the community can no longer afford to stay. That's the option facing many of our communities. And I think the yimby response to this is more housing construction is good and it's healthy and it's part of a thriving community. Keith Weinhold 31:02 Yeah, Nolan, when we come at this from the familial perspective, like I brought up earlier, it seems like the more zoning there is, the more it benefits seniors and incumbents, the more it benefits the silent generation, the baby boomer generation, and maybe Gen Xers, and it disadvantages millennials and Gen Zers that really don't have their place yet. Nolan Gray 31:24 Yeah, you know, it's tough. I would say it even hurts seniors, right? I mean, if they want their young adult children to be able to live near them, or, many cases, seniors like the option to be able to build an accessory dwelling unit in their backyard and maybe rent that out to friends or family, or maybe even you move into the adu and allow young adult children to move into the primary residence, or even just rent it out and have an additional source of income to supplement fixed incomes. There's reasons why folks, I think, at all different stages of their life, benefit for more flexibility in the rules that govern what can be built. Keith Weinhold 31:52 Psychologically, how do we turn one's mindset from a NIMBY mindset to a yimby mindset? I mean, if someone's got their single family ranch home that they want to live in in their senior years, and they want to see its value appreciate, so they don't want duplexes and fourplexes built next to them, rather than them saying no to turn them into saying yes. I mean, how do you get those people to understand that? Well, like this is the way for the next generation, for you to be able to live near your children and grandchildren? Nolan Gray 32:21 Yeah, that's a great point. You know, I think when you go to these public hearings around projects, you hear relentlessly about the cost of new development, right? Folks speculating about traffic and runoff and other factors parking. We get that perspective. We get bombarded with that perspective. But what we don't get is the alternative perspective of the benefits of a community, remaining relatively affordable, remaining a place where teachers and nurses and firefighters can still afford to be able to own a home and live places, allowing for the kids who grew up in a neighborhood or a city to remain there. And in fact, even just the selfish appeal to the homeowner, there's not actually any evidence that new development happening around you necessarily reduces the price of your single family home, and in some cases, it could actually signal to the market, hey, there's actually development potential on this so when you do decide to maybe sell and move on, your land is potentially going to be more valuable because it has more development potential than it might under a strict exclusionary zoning scenario. So you know, of course, you try to make the altruistic case to people. Hey, think about future generations. Think about folks who maybe want to move to this community or stay in this community, but aren't going to be able to if we don't build housing. But even so, I think there's selfish reasons. If you want to have somebody who's going to check you out at the supermarket or serve you at a restaurant or be a home care nurse, eventually you got to have housing for folks like that. In many cases, new development happening around you is going to increase your land value. Now I would just try the rage of appeals and work people through it. And in many cases, you know, I think people will understand, yeah, okay, I understand we got to have some growth. They might have a perspective on what it should look like, and that's okay. But as long as we can get some consensus that we got to have some growth to accommodate demand the form it takes, we can have a healthy discussion over. Keith Weinhold 33:57 Yeah, real community is the integration of all different types of people, and not school teachers living an hour away where they need to make a two hour round trip drive every day. Well, Nolan, as we're winding down here, can you give us any more successful zoning reform examples that maybe other communities can look to you touched on the success stories in Houston a bit. Are there some other ones? Nolan Gray 34:21 Absolutely. Yeah. So one of the most successful things we've done in California has been statewide legalization of accessory dwelling units. Yeah, that's been key. That started in 2017 and that took a lot of legislation to get us to a place where we are today, but that's resulted in something like 80,00 ADU's permitted, since 2017. That's powerful stuff, right? That's 80,000 households that might have a home, or might be able to rent out a unit to young adult child or an aging parent. Really, really powerful. So I would suggest that folks look into that. That's the lowest of the low hanging fruit. Empower homeowners to add additional units to their properties, and by the way, we also allow you use to be added to multifamily properties, and we're seeing a lot of that happen as well. At other contexts, many cities, dozens of cities across the country. Have removed their minimum parking requirements, acknowledging that, hey, this is a huge cost that we're imposing on projects, developers who are close to consumers, who have, they have the incentives and local knowledge to get this question right. Let them decide. So that's been, I think, a big success. You know, certain cities like Austin and Minneapolis, for example, they've actually sort of kept their markets back under control amid all the chaos of the pandemic real estate market fluctuations by allowing for a lot more mid rise multi family on their commercial corridors and in Job rich areas and in places near transit, that's where we have a huge shortage, is these studios and one bedrooms. So young professionals who, if they can't find that unit, they're going to go bid up the price of a two or three bedroom unit, they're going to roommate up and be living in potentially overcrowded conditions. So Austin, Minneapolis, we, relative to peers, they built a lot of housing and have seen prices stabilize as a result. So there's a lot of different success stories, you know, I would say, if you're at all interested in this, talk to your neighbors about this issue. See what sorts of solutions might make sense for your community. You know, in a suburban or a rural community, ADUs or minimum loss size reform might make sense. And an urban community, removing your parking mandates, allowing for more multifamily, allowing for missing middle, make more sense. Keith Weinhold 36:06 There sure are some encouraging signs. There was there any last thing that a person should know, especially a real estate investor type audience that's interested in buying a property and renting it out to a tenant for the production of income? Is there anything that our group really ought to know about zoning and the direction that things are moving, what to look for and what to be careful of? Nolan Gray 36:28 Well, as your audience probably knows, you know that first essential step for your mom and pop local real estate investor is often a duplex, a triplex, a four Plex, historically, that was an absolutely essential source of middle class wealth building. Yeah, right. And you can see these in so many historic neighborhoods. And to the extent that we've made those exact typologies so incredibly hard to build, we've cut off this very valuable source of democratic, decentralized wealth building that we need to actually encourage as real estate investors and professionals, in many cases, you're an authority figure with your local policymakers and your local planners, and you can say to them, Hey, here's my perspective on what's happening in the market. You know, we have a shortage of a certain type of small scale multifamily or making this case. You know, I talked to a lot of elected officials, and when I say starter home, I think they still think of the bungalow on the 5000 square foot lot with the two car garage. But a starter home in 2024 might be a townhouse, two bedroom condo, a small lot, single family home. These are the types of stories that real estate investors and professionals are trusted advocates on, and you can make that case and explain to local policymakers. Hey, here's the change that we need or explaining. Hey, I wanted to add an additional unit to a property that I own, or I wanted to redevelop a property I own to add a lot more housing. And these were the barriers that I faced that's incredibly valuable information for your local policymakers and planners. And I would say, you know, look around many US, cities and states now have very active yimby or, Yes, in my backyard groups. Go connect up with them. You could be a valuable, trusted expert for them, somebody that they can learn more about the situation with real estate markets, and they can be more effective advocates for policy that I think a lot of us would like to see. Keith Weinhold 37:58 And when it comes to changing NIMBY people to yimby people, and we look at esthetics and adu in the back, that really doesn't change aesthetics on the street front. And I've seen very smart, careful designs of duplexes, triplexes and fourplexes that really look just like single family homes from the Street View level. So there really are some ways around this. You've given us some really good ideas today. Nolan, hey, well, someone wants to learn more about you and your work and zoning. What's the best way for them to do that? Nolan Gray 38:30 Well, I'm on the platform formerly known as Twitter. I'm @mnolangray, M, N, O, L, E, N, G, R, A, y, so feel free to find me there and reach out. And I have a book Arbitrary Lines, how zoning broke the American city and how to fix it. Check that out. If you're at all interested in this, always reach out. Love to hear from folks. Thanks so much for having me, by the way. Keith Weinhold 38:50 All right, well, I hope our audience didn't zone out. It's been great. Chat with you. Nolan, thanks so much for coming on to the show. Yeah, a thought provoking discussion with California yimbys Nolan Gray there it's essentially illegal to build affordable housing in a lot of areas with the way that these zoning laws are written, allowing for more dense building that can limit this ugly urban sprawl, and this makes me think about an Instagram account that I follow. It's called how cars ruined our cities, or some names similar to that. It shows, for example, a picture of how a highway interchange in sprawling Houston has an area so large that you could fit an entire Italian town inside of it. And these sprawl problems compound when a lot size must be, say, at least a quarter acre or a half acre. The tide is turning toward allowing more dense building in some places like we touched on, but it's too bad that it took a. Visible housing crisis to make this happen. I mean, visible like more homeless people out on the street. It took that almost for municipalities to start doing something about all of this. Our guest has quite a following on X. Again, you can find his handle there @mnolangray on X and the image on his account cover it shows someone holding up a sign that reads, zoning kills dreams. Hmm, big thanks to the terrific Nolan gray today until next Monday, when I'll be back here to help you actionably build your Real Estate Wealth. I'm Keith Weinhold. Don't quit your Daydream. Unknown Speaker 40:44 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC, exclusively. Keith Weinhold 41:12 The preceding program was brought to you by your home for wealth building, GetRichEducation.com.
It's a Chewdog and The Criz episode this week! We chat about AI conman, hitting club night in the uni days, going through 2 vapes in a day, and trial a new Street View segment called, “Jamie's Wine Bar of The Week”. Check the video for this pod and our weekly bonus episode on our Patreon: https://patreon.com/whatagreatpunkSign up to our Patreon for a bonus pod each week (that's double the pod!) and other VIP stuff for just $5 a month:https://patreon.com/whatagreatpunkJoin us all in the TNSW Discord community chat:https://tnsw.co/discordWatch our Comedy Central mockumentary series and TNSW Tonight! on YouTube:https://youtube.com/thesenewsouthwhalesTNSW on Spotify:https://open.spotify.com/artist/0srVTNI2U8J7vytCTprEk4?si=e9ibyNpiT2SDegTnJV_6Qg&dl_branch=1TNSW: @thesenewsouthwhalessJamie: @mossylovesyouTodd: @mrtoddandrewshttps://patreon.com/whatagreatpunkhttps://thesenewsouthwhales.comShout-outs to the Honorary Punks of the Pod:Harry WalkomHugh FlassmanZac Arden BrimsClaireJimi KendallEdmund SmithLachy TanDerrotonin69Adjoa Sam
Ed stops going clomp, E vibes with the moss, and Brian goes where no Street View car has seen.
Vandaag in de allerlaatste Spijkers met Koppen van dit seizoen: het is nog 55 dagen tot de Olympische Spelen in Parijs. Ranomi Kromowidjojo zal er voor het eerst sinds 16 jaar niet aan de start verschijnen. Ze schreef een boek over haar ups en downs als topsporter. Komende week gaan we naar de stembus voor de Europese Verkiezingen, maar op wie kunnen we eigenlijk stemmen. In Spijkers stellen we de lijsttrekkers voor. Deze week: Bas Eickhout van GroenLinks en PvdA. Dick Schoof wordt de nieuwe premier van Nederland, maar zijn eerste publieke optreden veroverde nog weinig harten. Regisseur Malinca Verwiel schreef een boek over humor in speeches en geeft Dick wat tips. Honderdduizenden Nederlanders wonen in een huis waar de schimmel in staat, toch heeft de nieuwe coalitie hier geen plannen voor gemaakt. SP-kamerlid Sandra Beckerman start een actie en Trees Steeghs vertelt over haar schimmelproblemen. Cabaretier Freek de Jonge bracht zijn tienerjaren door in de Zeeuwse klei. In zijn derde boek van memoires blikt hij terug op de tijd die hem als cabaretier vormde. Zo'n 20.000 meisjes werden in de vorige eeuw opvangen in de tehuizen van De Goede Herder, waar ze dwangarbeid moesten verrichten zonder betaald te krijgen. Britta Hosman maakte er een documentaire over en oud-pupillen Joke Smit en Roos te Riet vertellen over hun ervaringen. Theatermaker Lotte Lola Vermeer struint graag door Google Streetview, maar merkte dat Rusland amper in kaart was gebracht. Ze besloot zelf op onderzoek te gaan en de zwarte vlekken van Streetview in Rusland op te zoeken. Tot slot is het cabaret in handen van Andries Tunru, Ruud Smulders, Kiki Schippers en Aron Elstak, Kim Schuddeboom is er met de column en live muziek van Blaudzun!
Rich talked about the AT&T outage and the healthcare hack this week, and how it got him to thinking about having a backup plan.International authorities busted a major ransomware hacking group called LockBit and released free software to help victims unlock their files.Thurman in Massachusetts wants an alternative to the Thunderbird email app. Rich recommends checking out a website called AlternativeTo.net.Bill in San Diego wants to retrieve text messages from his deceased sister's phone. He has the passcode. Rich recommends the iMazing App.Rose in Los Angeles looking for more information about Google's Results About You feature. Rich mentioned DIY opt-out guides at DeleteMe and HaveIBeenPwned.comVivian in Menifee says she is locked out of her iPhone because she forgot her passcode.Ring stops selling its Car Cam.Google is pausing its Gemini AI image generator until it can get things right.ZJ in Anaheim wants to obscure his home on Google Maps. Rich says to follow the directions here. Find your home on Street View and tap Report a Problem in the lower right-hand corner. Here, you can request to blur out your home. Google says they will “review your report as fast as we can.”Chris in Long Beach wants to know if auto-generated passwords are a good thing. Rich recommends using a password manager and also setting it as the Autofill on your iPhone or Android.Arthur Edelstein of PrivacyTests.org, open-source tests of web browser privacyPam in Ventura is worried about her credit card being hacked. Rich mentioned some ways to protect your card number including using Tap to Pay and the chip when possible. And when shopping online protect your number with a one-time use number from a service like Privacy.com.Samsung released a major software update for the S24 series that improves the display and camera.Samsung will bring its new AI features to older flagship phones including the S23 series in March.Elsa in Playa Del Rey, CA says be careful with fraud alerts. Most of the time banks won't call, so if you get a call be aware it could be a scam.Alan in West LA wants to know how to get a streaming service for his parents in a simple way. Rich recommends Fire TV stick.Apple Sports is a free new app that lets you choose your favorite sports teams and see when they're playing, scores, betting odds and more.Apple is making iMessage encryption even stronger to combat quantum computers cracking the code.Neal O'Farrell, founder of the Center for AI Crime will share 20 ways AI is accelerating all kinds of scams and frauds.Beware of Facebook funeral scams.Turns out, rice isn't the best way to dry out a wet smartphone.60 - February 24, 2024Rich DeMuro talks tech news, tips, gadget reviews and conducts interviews in this weekly show.Airs 11 AM - 2 PM PT on KFI AM 640 and syndicated on stations nationwide through Premiere Networks.Stream live on the iHeartRadio App or subscribe to the podcast.Follow Rich on X, Instagram and Facebook.Call 1-888-RICH-101 (1-888-742-4101) to join in!Links may be affiliate.RichOnTech.tvRichOnTech.tv/wikiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Vaughn TAN is a consultant, author, toolmaker, and professor of strategy at University College London. For over a decade, Vaughn has helped businesses, not-for-profits, and government agencies — like the Singapore Government, Wellcome, and Carlyle Group — design themselves to flourish in uncertainty. He wrote The Uncertainty Mindset (a book about uncertainty and innovation organizations) and makes idk (a training tool for productive discomfort). He is currently working on building better strategies for different kinds of not-knowing. Vaughn has a PhD in Organizational Behavior and Sociology from Harvard University and Harvard Business School. He previously worked at Google in California on special projects (including spaceflight and big structured data) and consumer products (including Earth, Maps, and Streetview). Learn more about Vaughn: Vaughn's website Connect on LinkedIn See more of his work Where to find the hosts: Brian Moon Brian's website Brian's LinkedIn Brian's Twitter Laura Militello Laura's website Laura's LinkedIn Laura's Twitter
In this episode, you'll hear Sean Ware talk about, "Streetview", an exhibition featuring a series of works in the Carnegie Gallery, at the Rochester Public Library. "Streetview" will be on view from February 5, 2024, to April 5, 2024, with a reception planned for March 2, 2024, from 1:00 pm to 3:00 pm. All are welcome! Visit www.rochestermfa.org to learn more.
If you've been listening to David for a while, then this step might come as a bit of a surprise. Over and over again David has warned first-time home buyers about the dangers of perusing the Internet for real estate advice so Step Eight might be confusing to you folks. BUT, stick with him because he explains it all in this episode. Here are some key takeaways from today's conversation: Episode Highlights: [02:18] Get Ready to Research Okay, keep in mind that this episode assumes that you already have a unicorn team set up to help you out. It's important to remember that researching and researching without any professional guidance puts you in the danger zone for misinformation, so it's vital to have your team so you know where to spend your time. So, now it's time to exercise your stalking skills! [06:04] Start Looking for Neighborhoods Your unicorn support team can help you with all the financials and real estate lingo, but only YOU can decide where you're going to feel the most comfortable. So, before your realtor takes you out to look at homes, it's important to research and find some neighborhoods that align with what you're looking for in a community. Now, when it comes to looking for these neighborhoods, you need to be aware of where you're getting your information. Are you on the Chamber of Commerce's website? Is it a place that's trying to sell you something? No matter where you get your info, take the time to cross reference what you find with information from lots of other websites to make sure you're looking at the real best neighborhoods. Do research on safety, schools, and all the other things that will make the neighborhood a winner to you and your family. [18:05] Check Out the Homes Alright, you've looked at neighborhoods and now you have an idea of where you want to look for a home. Now it's time to look at the homes themselves. You hop on Google and start looking at homes for sale, but realtor sites are only going to show you the pictures of the house, not necessarily the entire neighborhood. This is where Google Earth comes in. Get on Street View and start looking at the curb appeal, the neighbors, the walkability of the area, how close you are to a major highway… all those important things you can't get just from an online listing. This is helpful, but the best approach is to talk to your unicorn realtor because they can talk to other realtors who are familiar with the area, they can go check out the neighborhood for you, or they might know some hard-to-find facts about the region. Talk to them! They have your best interests at heart and will make sure you're getting the best info.
If you've been listening to David for a while, then this step might come as a bit of a surprise. Over and over again David has warned first-time home buyers about the dangers of perusing the Internet for real estate advice so Step Eight might be confusing to you folks. BUT, stick with him because he explains it all in this episode. Here are some key takeaways from today's conversation: Avoid over-researching Have a unicorn support team first The best websites to find the info you're looking for Some additional research tips and tricks Episode Highlights: [02:18] Get Ready to Research Okay, keep in mind that this episode assumes that you already have a unicorn team set up to help you out. It's important to remember that researching and researching without any professional guidance puts you in the danger zone for misinformation, so it's vital to have your team so you know where to spend your time. So, now it's time to exercise your stalking skills! [06:04] Start Looking for Neighborhoods Your unicorn support team can help you with all the financials and real estate lingo, but only YOU can decide where you're going to feel the most comfortable. So, before your realtor takes you out to look at homes, it's important to research and find some neighborhoods that align with what you're looking for in a community. Now, when it comes to looking for these neighborhoods, you need to be aware of where you're getting your information. Are you on the Chamber of Commerce's website? Is it a place that's trying to sell you something? No matter where you get your info, take the time to cross reference what you find with information from lots of other websites to make sure you're looking at the real best neighborhoods. Do research on safety, schools, and all the other things that will make the neighborhood a winner to you and your family. [18:05] Check Out the Homes Alright, you've looked at neighborhoods and now you have an idea of where you want to look for a home. Now it's time to look at the homes themselves. You hop on Google and start looking at homes for sale, but realtor sites are only going to show you the pictures of the house, not necessarily the entire neighborhood. This is where Google Earth comes in. Get on Street View and start looking at the curb appeal, the neighbors, the walkability of the area, how close you are to a major highway… all those important things you can't get just from an online listing. This is helpful, but the best approach is to talk to your unicorn realtor because they can talk to other realtors who are familiar with the area, they can go check out the neighborhood for you, or they might know some hard-to-find facts about the region. Talk to them! They have your best interests at heart and will make sure you're getting the best info.
Danny Maloney is the CEO and Co-founder of Tailwind. Tailwind gives over 1.5 million businesses worldwide the marketing team they need through A.I. that drafts ads campaigns and posts for you so you can accomplish far more in far less time. Prior to founding Tailwind, Danny spent a number of years working at Google and YouTube on new product initiatives including Street View and the YouTube Creators Program, and then worked on the turnaround team at AOL after it spun off of Time Warner, leading up to it later being acquired by Verizon. In this episode, we talked about his journey from employee to co-founder and CEO and how his previous roles have shaped his entrepreneurial journey. We also talked about: The Importance of AI in Marketing and how AI is revolutionizing the marketing landscape. The Importance of Pivoting to better meet market demands and technological advancements. Funding Journey for Tailwind, from bootstrapping to angel investing and eventually partnering with a growth equity firm. Tips and advice for businesses considering seeking angel investors, based on Danny's personal experience. The challenges and importance of seed funding Investor relationship building An overview of Tailwind and what it can do The challenges that small businesses face with running ad campaigns The role of AI in marketing Support for non-native English speakers with Tailwind If you're interested in how funding works for a tech startup OR for how AI can help with small business marketing, I invite you to have a listen. There's some very valuable information here. RESOURCES MENTIONED: Tailwind Website: tailwindapp.com Danny's Email: danny@tailwindapp.com See omnystudio.com/listener for privacy information.
Every month, over a billion people open their phones and fire up Google Maps. Its original function—offering driving directions, with real-time traffic tracking—was disruptive enough in 2008, when most people had to pay $10 a month for traffic data. But since that time, it's become a global business directory, a transit timetable, crowdedness monitor, a Street View miracle—and now, in its newest release, an augmented-reality viewer of the cityscape around you. The question is: How is Google doing it, and why is it free? Meet the man who runs Google's entire Geo division.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Plus, I talk to Dr. Cindy Smith, who had 100 Amazon packages arrive at her doorstep, about what happened. Parents are overanalyzing how their kids are doing at summer camp based on social photos. Don't make these mistakes when buying tech on Amazon, and learn how to stop blue light from ruining your sleep.
Subscribe to Bad Faith on Patreon to instantly unlock this episode and our entire premium episode library: http://patreon.com/badfaithpodcast Briahna is joined by Joel Rubin, Bernie's 2020 director of Jewish outreach and founding political director of J Street, to talk about Netanyahu's power grab in Israel, the historic street protests there against the far right, whether a two state solution is still viable, and how the left can figure out how to talk about Israel and Palestinian rights. No gotchas here. Subscribe to Bad Faith on YouTube to access our full video library. Find Bad Faith on Twitter (@badfaithpod) and Instagram (@badfaithpod). Produced by Armand Aviram. Theme by Nick Thorburn (@nickfromislands)
Join us this week and Louis and Shawn bring you the last episode of Main Street View. They will dive in Reedy Creek a bit Get sentimental and just have a great Disney Time. MSV may be gone but there is so much more to come from all of us here at Walts Apartment. Listen to the show for the announcement of a brand new show coming your way so soon. Thank you for listening and we hope you enjoyed the views from Main Street !! Please consider joining us in our Patreon campaign.https://www.patreon.com/waltsaptpodcastStart your Getaway Today Vacation with the link belowhttps://www.getawaytoday.com/?referrerid=8636Visit our friends at Home | Dizcore ApparelUse the code WALTSAPARTMENT at checkout for 15% offSupport Louis at Sunken City Designshttps://sunkencitydesigns.bigcartel.com/Remember to use the code WALTSAPTPOD at checkout for additional savingsCheck out Awesome Backpacks atDisney Theme Park Backpack - Designer Park Co.Remember to use the code WALTSAPTPOD at checkout for additional savingsWe are a proud member of the Disinsider Podcast Network Thanks for always supporting us here at Walt's Apartment...We are proud to be part of the Disney Podcast Family , checkout all the other great shows below https://linktr.ee/DisneyPodcastFamily
Welcome to Main Street View, We are continuing on with PART 2 of our Top 10s of Disney. From our Top 10 Favorite Characters to our Top 10 Favorite attractions! Listen in and let us know who or what is on your Top 10! We can't thank you all enough for your support. We hope you enjoy the view from Walt's Apartment and Main Street too!Please consider joining us in our Patreon campaign.https://www.patreon.com/waltsaptpodcastStart your Getaway Today Vacation with the link belowhttps://www.getawaytoday.com/?referrerid=8636Visit our friends at Home | Dizcore ApparelUse the code WALTSAPARTMENT at checkout for 15% offSupport Louis at Sunken City Designshttps://sunkencitydesigns.bigcartel.com/Remember to use the code WALTSAPTPOD at checkout for additional savingsCheck out Awesome Backpacks atDisney Theme Park Backpack - Designer Park Co.Remember to use the code WALTSAPTPOD at checkout for additional savingsWe are a proud member of the Disinsider Podcast Network Thanks for always supporting us here at Walt's Apartment...We are proud to be part of the Disney Podcast Family , checkout all the other great shows below https://linktr.ee/DisneyPodcastFamily
Welcome to Main Street View, this week we welcome Extra Magic Hour host Nicole! We are Discussing our Top 10s of Disney. From our Top 10 Favorite Characters to our Top 10 Favorite attractions! Listen in and let us know who or what is on your Top 10! …Stay tuned for Part 2 of our Top 10 show!! We can't thank you all enough for your support. We hope you enjoy the view from Walt's Apartment and Main Street too!Please consider joining us in our Patreon campaign.https://www.patreon.com/waltsaptpodcastStart your Getaway Today Vacation with the link belowhttps://www.getawaytoday.com/?referrerid=8636Visit our friends at Home | Dizcore Apparel Use the code WALTSAPARTMENT at checkout for 15% offSupport Louis at Sunken City Designshttps://sunkencitydesigns.bigcartel.com/Remember to use the code WALTSAPTPOD at checkout for additional savingsCheck out Awesome Backpacks atDisney Theme Park Backpack - Designer Park Co.Remember to use the code WALTSAPTPOD at checkout for additional savingsWe are a proud member of the Disinsider Podcast Network Thanks for always supporting us here at Walt's Apartment...We are proud to be part of the Disney Podcast Family , checkout all the other great shows below https://linktr.ee/DisneyPodcastFamily
The US construction industry has held on to archaic ways of building, failing to adapt better technology routinely used elsewhere in the world - until now. Clark discusses how prefabrication component building is better, faster & cheaper. Now is the time to reimagine how we build to improve durability and price points. Also, for the past decade, traditional life & annuity insurers have been selling off their policies to Wall St. The risk profiles are then held by private-equity. This creates new levels of uncertainty for consumers. If you get notification of this from your insurer, should you be worried? Clark has some new recommendations. Home Building Innovation: Segment 1 Ask Clark: Segment 2 Life Insurance & Private-Equity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Frequently Asked Questions on Gift Taxes Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans Explore Google Earth. Google Maps' new ‘Immersive View' combines Street View with satellites Life Insurance Archives - Clark Howard Policyholder Information - NOLHGA.com Indexed Universal Life Insurance (IUL) - Investopedia - NOT recommended What Is an Annuity, and Why Does Clark Think They Stink? What to Do if You Find an Old Stock Certificate Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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