Podcasts about Texas

Kay-Alana Turner's episodes first aired in November 2023. On March 9, 2023, 27-year-old Kay-Alana Turner left a friend's home in Silsbee, Texas, and began driving toward Austin, about four hours away, apparently to visit a friend. In the days leading up to March 9, Kay-Alana had not been sleeping well and did not seem quite like herself. In the early morning hours of March 10, witnesses in Hockley and Tomball, Texas, interacted with Kay-Alana after she asked if she could sleep in their driveways. By that time, her phone had died.Around 6 a.m., a homeowner in the Holly Creek Estates subdivision in Tomball noticed Kay-Alana's car parked in their driveway, with Kay-Alana asleep inside. The homeowner contacted someone from the homeowner's association and nearby neighbors. As several people gathered around the vehicle and attempted to wake her, Kay-Alana became frightened. When she tried to leave, her car was blocked. An officer from the Harris County Sheriff's Office then broke the driver's side window of her vehicle.Kay-Alana fled first by driving through a yard and across nearby farmland, then into a wooded area where her car became stuck. Deputies pursued her on foot. Kay-Alana ran into the woods, dropping her phone along the way and later removing her shoes, which were filled with glass from the broken window. In the days that followed, her loved ones compared accounts and came to believe that Kay-Alana had been experiencing a mental health crisis that night. Despite extensive searches of the area where she was last seen, no further trace of her was found beyond her phone and shoes.On April 19, 2024, after more than a year of searching, Kay-Alana Turner's remains were found by Texas Equusearch in Montgomery County, Texas, less than 1,000 feet from where her car had been abandoned on March 10, 2023. She was positively identified through dental records. Due to the condition of her remains, the medical examiner ruled the cause of death as undetermined, with the manner classified as accidental, noting no evidence of foul play.In the months that followed, body camera footage from Kay-Alana's initial encounter with Harris County Sheriff's Office deputies was released, sparking concern and controversy. In the footage, deputies were heard making joking and disparaging remarks about Kay-Alana, including comments about her appearance after viewing her identification. The footage intensified scrutiny of the response to Kay-Alana on the day she disappeared and raised broader questions about how law enforcement handles encounters involving individuals experiencing medical or mental health crises.Kay-Alana Turner was laid to rest in November 2024. Her family continues to seek accountability and hopes her story leads to meaningful change, believing that compassion and understanding could have made a critical difference that day.Photo Credit: James Blaign RamboIf you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Pretty Lies & Alibis, we cover the urgent disappearance of 19-year-old Camila Mendoza Olmos, who went missing from Bexar County, Texas, on Christmas Eve. Camila was last seen leaving her family's home early that morning. Surveillance footage shows her near her vehicle, and newly released dash-cam video captures her walking along a nearby roadway shortly before she vanished. Her phone was later found at home, uncharged, and her car was still parked at the residence. Authorities say Camila may be in imminent danger, prompting an extensive search involving local law enforcement, the FBI, and the Department of Homeland Security. Investigators are exploring all possibilities, including whether she left voluntarily or was taken against her will. Due to the area's proximity to major highways and known trafficking corridors, officials are urging the public to remain vigilant. Family members, friends, volunteers, and search organizations have joined efforts on the ground, using drones and coordinated search teams. Camila's parents have made emotional pleas for her safe return, emphasizing how loved and missed she is. This episode focuses only on verified facts released by authorities and credible reporting. Rumors and online speculation can hinder investigations, and accuracy matters when time is critical. If you have any information that could help bring Camila home, please contact the Bexar County Sheriff's Office at (210) 335-6000 or email missingpersons@bexar.org . 

Down in the west Texas town of El Paso...the Sun Devils will meet the Blue Devils. Again. We take an in-depth look at the Sun Bowl matchup, plus we go behind Duke lines with Blue Devil insider Anna Snyder (20:17). We also talk with ASU wide receiver Derek Eusebio (1:02:42) and quarterback Cam Dyer (11:54).

A colossal winter storm is slamming the country with blizzards, dangerous wind chills, tornadoes, and thousands of flight delays and cancellations. A heroic tackle in the middle of terror - an exclusive interview with the man who wrestled a gun from the Bondi Beach attacker and saved countless lives. And, a 7‑foot former college basketball player chasing his dream of becoming a Texas police officer - and the surprise coach who stepped in: Shaquille O'Neal. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The No. 13 Texas Longhorns will be without some key players when they head to Florida to take on the Michigan Wolverines, who are somehow even more in flux. They recently named Kyle Wittingham as their permanent head coach, who will take over for Biff Pogi, who led the charge following Sherrone Moore's firing earlier in December. They will be missing their two best pass rushers, an NFL-caliber offensive lineman, and will have a new playcaller for the offense. What does that mean for the matchup and will Texas get to 10 wins this year?

It's Tuesday, December 30th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Trump bombed Nigerian ISIS camps It was a first in United States history. President Donald Trump authorized US military action against ISIS-linked camps in northwestern Nigeria for the purposes of defending Christians who have been the brunt of a genocide that's taken place over the last decade. At least two camps, run by the Muslim terrorists, were hit by 18 precision missiles last Thursday on Christmas Day, reports The Guardian. Nicaragua banned Bibles Nicaragua has banned Bibles at the border.  Tourists may not carry Bibles in any form into the country, according to new regulations. Christian Solidarity Worldwide reports that the list of forbidden items now includes Bibles, newspapers, magazines, books of any kind, drones and cameras. The Nicaraguan government has also shut down 1,300 religious organizations since April 2018. Repression has picked up since the 2021 election when Daniel Ortega was elected for a fourth consecutive term in office.  Leading opposition candidates were jailed before the sham election.   Nicaragua has the fourth worst economy in South America, just above Cuba, Venezuela, and Haiti. Scottish pro-life grandmother arrested outside abortion mill A 75-year-old grandmother is the first to be arrested in Scotland for coming within 656 feet of an abortion mill. This comes after an anti-protesting law was passed last year.   The Times reported that Rose Docherty was holding a sign that simply stated: “Coercion is a crime. Here to talk, only if you want.” In John 3:20, Jesus said, “For everyone practicing evil hates the light and does not come to the light, lest his deeds should be exposed.” Puerto Rico recognizes pre-born baby as a person Puerto Rico will now recognize the human fetus as a natural person from conception. That's the substance of a new law which is intended to provide the unborn child with dignity, rights of inheritance, and legal recognition. Sadly, the country still allows abortion for reasons connected to the alleged “life and health of the mother.” Iran's skyrocketing inflation and war with U.S., Israel, & Europe External and internal pressures are increasing on nations worldwide. Iran has edged up into 53 percent year-on-year inflation. That's the fifth worst in the world.  The economy is exasperated by water and energy shortages. And the nation is dealing with rising numbers of protests and strikes. In a published interview late last week, Iranian President Masoud Pezeshkian said Tehran was in a "full-scale" war with the U.S., Israel and Europe. Russia's unrelenting attacks on Ukraine And Russia continues its war on Ukraine. Russia Today reported an additional 32 settlements in the Donbas area came under Russia control in December. United States sold $11 billion of arms to Taiwan Following the U.S. sale of $11 billion of arms to Taiwan, the Chinese armed forces have initiated an aggressive military exercise in the South China Sea.  It's the largest scale blockade and attack simulation ever conducted to date. The communist nation is conducting live-fire exercises extremely close to the shores of Taiwan.  The official People's Liberation Army news site announced that the drills include “task forces of bombers, amphibious assault ships, and anti-ship missiles.” But keep in mind Isaiah 40:15. The prophet wrote, “The nations are as a drop in a bucket and are counted as the small dust on the scales; [The Lord]  lifts up the isles as a very little thing. And Lebanon is not sufficient to burn nor its beasts sufficient for a burnt offering. All nations before Him are as nothing, and they are counted by Him less than nothing and worthless.” U.S. blocks Venezuela's oil exports Things are heating up in Venezuelan waters — as the U.S. military continues its blockade of the nation's oil exports.  Tankertruckers.com reports  about $1 billion of oil, or about 8-10 tankers, have been held up in the Caribbean by the current blockade.   The Venezuelan government relies on oil exports for about two-thirds of its financing. Venezuela is pushing 250 percent inflation, year-over-year. That qualifies as the absolutely worst conditions in the world. Private Texas schools applying for $10,000 government grants Now, in stateside news, private schools in Texas are signing up for state funding. At least 600 private schools have applied for grants under a new law, for the 2026-27 school year, according to Center Square.  The pilot program is offering $10,000 grants to 100,000 students in the Lone Star state. U.S. dollar less desirable Will the dollar retain supremacy in the world market? The U.S. dollar is less and less desirable by national banks around the world.  The percent of the world's foreign exchange reserve, held in U.S. assets, has dropped off from 72 percent to 57 percent since 1999.  Oklahoma college teacher fired for penalizing Biblical worldview The teacher at the University of Oklahoma who had given a Christian student a zero score on her paper for advocating a biblical view of gender has been fired.  The university issued a statement charging the teacher assistant, by the name of William Curth, with arbitrary grading. The student, Samantha Fulnecky, had appealed to the Bible in her essay, noting that, “God created men in the image of His courage and strength, and He created women in the image of His beauty. He intentionally created women differently than men.” Dad rescued daughter from kidnapper on Christmas And finally, a Texas dad rescued his daughter from a kidnapper on Christmas Day, reported WDBJ7.com.   The 15-year-old was walking her dog, when she was abducted at knife point. Her father traced her location by the phone — and found his daughter in the suspect's truck, rescued her, and called the authorities. Praise God she was not physically harmed.  What a courageous father! Close And that's The Worldview on this Tuesday, December 30th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

OTF's Longhorn Livestream is LIVE reacting to the latest Texas football news, transfer portal and taking your questions! Drop your questions and comments in the chat!   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Laura was born to teen parents in South Carolina in May 1984 and was adopted through Catholic Charities by a wonderful and loving couple who could not have biological children. An adopted brother joined the family seven years later.  She always knew she was adopted, and while adoption was spoken about openly and positively, it was understood by both siblings that searching for biological family would not be supported. The birth of Laura's second child sparked a curiosity to begin the search through an ancestry kit. With the help of a search angel, she was able to identify her biological parents and connect with aunts and an uncle on both sides of her biological family. Reunion has brought answers to many questions, healing, and a continuing unpacking of issues that have always been nagging but not understood. Today, Laura lives with her husband and three children and is a child welfare attorney. Season 11: Adoptee Memoirs - books in order: Practically Still a Virgin by Monica Hall You Can't Get Rid of Me by Jesse Scott and Keri Ault Unspoken by Liz Harvie EVENTBRITE LINK - AUSTIN, TEXAS - LIVE PODCAST EVENT: 4/17 & 4/18 2206! Sign up to be part of our mailing list and receive upcoming details about our April 17th & 18th Live Podcast Event in Austin, Texas! Thank you to our Patreons! Join at the $10 level and be part of our monthly ADOPTEE CAFE community. The next meeting will be Saturday, January 3rd, at 1 pm ET. RESOURCES for Adoptees: Adoptees Connect Adoptee Mentoring Society Gregory Luce and Adoptee Rights Law Fireside Adoptees Facebook Group Dr. Liz Debetta: Migrating Toward Wholeness Movement Moses Farrow - Trauma therapist and advocate National Suicide Prevention Lifeline – 1-800-273-8255 OR Dial or Text 988. Kristal Parke Because She Is Adopted Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Caring for a parent with dementia is one of the most challenging experiences a person can face. What happens when that aging parent is also a difficult person? This adds a heavy layer to an already complex situation. Furthermore, how do you handle a difficult personality when their memory is failing? The physical and emotional toll can be immense. In addition, caregivers often feel isolated and alone. They struggle with their own grief and exhaustion. Meanwhile, they are asked to provide constant care for a particularly difficult loved one. We explore this unique caregiving challenge. This episode dives into one caregiver's raw and honest story. He found a path forward. Ultimately, his journey shows that finding peace is possible, even in the most challenging circumstances. Our Guest: Josh Hickman Josh Hickman is a writer and visual artist who grew up in various parts of Texas. His education included studying painting and sculpture at the Booker T. Washington High School for Performing and Visual Arts and writing and film at the University of Texas at Austin. The author of seven books and numerous articles, short stories, and poems, he lives and works with his dog Sammy in Dallas, Texas. Order Your Copy of "Forgetting" ++++++++++++++++++++++++++++++++++++++++ Related Episodes: Time Out Caregiver: Resilience, Compassion & Self-Care Relationship Challenges & Caregiving ++++++++++++++++++++++++++++++++++++++++ Sign Up for more Advice & Wisdom - email newsletter. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Please help us keep our show going by supporting our sponsors. Thank you. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Feeling overwhelmed? HelpTexts can be your pocket therapist. Going through a tough time? HelpTexts offers confidential support delivered straight to your phone via text message. Whether you're dealing with grief, caregiving stress, or just need a mental health boost, their expert-guided texts provide personalized tips and advice. Sign up for a year of support and get: Daily or twice-weekly texts tailored to your situation Actionable strategies to cope and move forward Support for those who care about you (optional) HelpTexts makes getting help easy and convenient. ++++++++++++++++++++++++++++++++++++++++ Make Your Brain Span Match Your LifeSpan Relevate from NeuroReserve I've been focusing a lot on taking care of my brain health, & I've found this supplement called RELEVATE to be incredibly helpful. It provides me with 17 nutrients that support brain function & help keep me sharp. Since you're someone I care about, I wanted to share this discovery with you. You can order it with my code: FM15 & get 15% OFF your order. With Relevate nutritional supplement, you get science-backed nutrition to help protect your brain power today and for years to come. You deserve a brain span that lasts as long as your lifespan. ++++++++++++++++++++++++++++++++++++++++ Join Fading Memories On Social Media! If you've enjoyed this episode, please share this podcast with other caregivers! You'll find us on social media at the following links. Instagram LinkedIn  Facebook Contact Jen at hello@fadingmemoriespodcast.com or Visit us at www.FadingMemoriesPodcast.com

The news of Texas covered today includes:Our Lone Star story of the day: What do the recent census estimates show about Texas' major cities and counties? One result is a flip-flop on the which is the fourth largest city in Texas – but don't worry, it will flip back as Austin keeps raising taxes while Tarrant County keeps lowering property taxes.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Texas Manufacturing Outlook Survey for December.Elon Musk's X backs Texan's free speech fight in case of tranny photographed in the Texas Capitol women's restroom.Murder warrant issued for man wanted in shooting death of Eddy Betancourt, prominent Rio Grande Valley businessman.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

When people think about economic downturns, they usually assume the damage happens at the bottom. What rarely gets talked about is how many wealthy people lose everything — not because they didn't have assets, but because they trusted strategies that only worked when conditions stayed favorable. In this episode, I'm joined by Arthur Hood, an investor and entrepreneur who has built significant wealth across multiple market cycles and watched firsthand how high-net-worth individuals get taken out when liquidity tightens, exits disappear, and assumptions stop holding. We talk about why net worth doesn't equal safety, how paper wealth quietly evaporates when cash dries up, and the specific decisions that turn manageable situations into permanent losses.  Arthur explains why some asset classes keep working under pressure while others break, and why deals that depend on a clean refinance or exit are often the first to fail. Most importantly, we dig into the moves that allowed certain investors not just to survive the worst downturns, but to stay in control long enough to come out stronger on the other side.   About the Guest Arthur Hood is an experienced entrepreneur with a diverse portfolio of businesses spanning commercial real estate, entertainment, and hospitality. His venture Your Space America, focuses on the booming self-storage industry, one of the most resilient and high-performing asset classes in U.S. real estate. As Executive Vice President of the company, Arthur has overseen the development, construction, and ownership of large, climate-controlled self-storage facilities. These properties have become increasingly sought after by institutional investors due to their consistent performance across economic cycles. With self-storage offering an average annual return of 17.3% from 1994 to 2023, the industry has grown exponentially, driven by high demand from individuals, small businesses, and transitional populations. Your Space America is capitalizing on this growth by creating state-of-the-art facilities that cater to modern consumer needs, offering not only safe, secure storage but also a wide range of specialized services, including climate-controlled units for sensitive inventory and documents. In addition to his work in self-storage, Arthur is the owner of HV Entertainment LLC, which operates a growing portfolio of lounges and nightclubs across Texas, Georgia, Alabama, and Chicago. Furthermore, as Managing Member of HV Properties LLC, Arthur has been instrumental in acquiring, developing, and selling both commercial and residential real estate across the U.S. The company's real estate holdings span Florida, Texas, and Alabama, with a focus on value-added opportunities. From large-scale developments to residential projects, Arthur's leadership has helped expand the company's footprint and establish a strong presence in multiple high-demand markets. His expertise across these industries, combined with a strategic approach to growth, has positioned him as a significant player in both commercial real estate and the entertainment sectors. To learn more, go to https://arthurhood.com/ or send an email to info@arthurhood.com.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

The No. 13 Texas Longhorns will be without some key players when they head to Florida to take on the Michigan Wolverines, who are somehow even more in flux. They recently named Kyle Wittingham as their permanent head coach, who will take over for Biff Pogi, who led the charge following Sherrone Moore's firing earlier in December. They will be missing their two best pass rushers, an NFL-caliber offensive lineman, and will have a new playcaller for the offense. What does that mean for the matchup and will Texas get to 10 wins this year? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this solo episode, Mardi Winder takes a closer look at why so many New Year's resolutions fail and why they can actually leave us feeling more discouraged than motivated. Instead of pushing yourself into another year of unrealistic expectations, she invites you to explore the five big problems with traditional resolutions and what to do differently, especially if you are rebuilding your life after divorce.She shares how resolutions often come from pressure instead of intention, how they focus on perfection rather than progress, and why they rarely consider emotional healing or real-life circumstances. Mardi also shares how resolutions can trigger shame when life gets complicated, and how they sometimes distract us from the deeper work of creating lasting change. Throughout the conversation, she encourages you to move away from “fixing yourself” and toward setting compassionate, meaningful goals that actually support your wellbeing.This episode is about giving yourself permission to choose a gentler, more sustainable approach to growth. You will hear practical ideas for creating direction without the guilt of broken promises, and ways to stay aligned with your values instead of chasing someone else's version of success.About the Host:Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave us an Apple Podcast ReviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.

In this episode, we explore the real-life case of Susan Wright, a Texas woman whose story captured national attention and later inspired the Lifetime made-for-TV movie Blue-Eyed Butcher. We walk through Susan's background, her marriage to Jeff Wright, and how a seemingly ordinary suburban life became the center of a high-profile criminal case. Sources:https://www.texasmonthly.com/true-crime/susan-wright-193/Snapped season 1, Episode 9 https://abc13.com/post/susan-wright-murder-trial-jeff-stabbed-husband-193-times/9184616/https://en.wikipedia.org/wiki/Susan_Wright_(murderer)https://www.actionnewsjax.com/news/trending/blue-eyed-butcher-texas-woman-who-stabbed-husband-193-times-2003-released-parole/GMR2DZYQLVEIBCYYT7DPOB6IW4/https://6abc.com/archive/7736279/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Kay-Alana Turner's episodes first aired in November 2023. On March 8, 2023, 27-year-old Kay-Alana Turner stayed overnight at a friend's home in Silsbee, Texas. Her friend noticed that Kay-Alana hadn't been sleeping well and that something appeared to be troubling her. The following morning, Kay-Alana was believed to be asleep when her friend left for work, but as the day wore on, attempts to contact her raised concern. When Kay-Alana was briefly reached by phone, something didn't seem right, and no one knew where she was. Loved ones later learned that Kay-Alana had planned to drive to Austin, about four hours away. Her loved ones began searching for her, but by the next morning, troubling reports about her behavior began to surface. These were accounts her family and friends felt were completely out of character. What was clear was that Kay-Alana was missing, and they needed to find her.On April 19, 2024, after more than a year of searching, Kay-Alana Turner's remains were found by Texas Equusearch in Montgomery County, Texas, less than 1,000 feet from where her car had been abandoned on March 10, 2023. She was positively identified through dental records. Due to the condition of her remains, the medical examiner ruled the cause of death as undetermined, with the manner classified as accidental, noting no evidence of foul play.In the months that followed, body camera footage from Kay-Alana's initial encounter with Harris County Sheriff's Office deputies was released, sparking concern and controversy. In the footage, deputies were heard making joking and disparaging remarks about Kay-Alana, including comments about her appearance after viewing her identification. The footage intensified scrutiny of the response to Kay-Alana on the day she disappeared and raised broader questions about how law enforcement handles encounters involving individuals experiencing medical or mental health crises.Kay-Alana Turner was laid to rest in November 2024. Her family continues to seek accountability and hopes her story leads to meaningful change, believing that compassion and understanding could have made a critical difference that day.Photo Credit: James Blaign RamboIf you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A Texas father found his 15-year-old daughter after she was kidnapped taking the family dog for a walk on Christmas, because of a tracking app on his phone. Using parental controls, he was able to find her in her kidnapper’s pickup truck in a partially wooded area and alert police. It’s a frightening story with a significant lesson for all of us parents.See omnystudio.com/listener for privacy information.

Derrick Kosinski & Scott Yager are joined by CT, Cara Maria, Tina, Michaela, Yeremi & Justin LIVE FROM TEXAS! This show was recorded at Mic Drop Comedy Club on 12/13/25 in front of a Sold Out Crowd and being called one of our Best Shows Ever! YOU DECIDE!WATCH THIS SHOW HERE: https://www.patreon.com/posts/146084997GET TIX TO FUTURE LIVE SHOWS & EVENTS at www.ChallengeMania.Live1/23 - NYC 1/31 - BALTIMORE (SOLD OUT)2/1 - PHILLY (SOLD OUT)3/1 - CHICAGOwww.ChallengeManiacs.comwww.ChallengeMania.Shop

STARSHIP: THE FULLY REUSABLE ARCHITECTURE FOR MARS Colleague Eric Berger. At Boca Chica, Texas, SpaceX transformed a swamp into "Starbase," a modern rocket factory for the Starship and Super Heavy launch system. Starship represents the endgame of Musk's vision: a fully reusable rocket larger than the Saturn V, designed to be caught by "chopstick" arms on the launch tower to eliminate landing legs and speed up reuse. The plan involves orbital refueling and launching fleets of ships every two years to transport massive amounts of cargo, serving as a "Grand Central Station" for deep space colonization. NUMBER 8 1921 FRANCE

THE STRUGGLE TO BUILD AND TRANSPORT THE FIRST FALCON 9 Colleague Eric Berger. Moving from the single-engine Falcon 1 to the nine-engine Falcon 9 involved a "long hot summer" of grueling 100-hour weeks for young engineers in Texas. The team faced immense challenges integrating complex plumbing and flight computers for the first time. Lacking a ship or large aircraft, SpaceX transported the massive rocket to Florida on a trailer, a "road trip from Hades" that resulted in the rocket crashing into a building during a tight turn. Despite dead crickets in the fuselage and storm damage to antennas, Musk pushed for a successful launch in 2010. NUMBER 2 JANUARY 1951

A Texas father found his 15-year-old daughter after she was kidnapped taking the family dog for a walk on Christmas, because of a tracking app on his phone. Using parental controls, he was able to find her in her kidnapper’s pickup truck in a partially wooded area and alert police. It’s a frightening story with a significant lesson for all of us parents.See omnystudio.com/listener for privacy information.

On January 24th, 1969, one of Gregg County, Texas's most cold-blooded and savage murders occurred: that of 17-year-old Longview High School senior Leslye Dian Koon. The slaying prompted one of the city's most extensive and intensive investigations in its history. What you might call a taskforce was created that included the Gregg County Sheriff's Office, the District Attorney's Office, and Longview Police Detectives, who were on loan out of their jurisdiction. Upon the discovery of a life insurance policy in Leslye's name, the District Attorney identified three suspects who were charged, indicted, and tried for the murder. But the case remains unsolved to this day – and hasn't been mentioned since.If you have any information about the 1969 murder of Leslye Dian Koon, please contact Gregg County Crime Stoppers at 903-236-STOP.You can support gone cold and listen to the show ad-free at https://patreon.com/gonecoldpodcast Find us at https://www.gonecold.comFor Gone Cold merch, visit https://gonecold.dashery.comFollow gone cold on Facebook, Instagram, Threads, TikTok, YouTube, and X. Search @gonecoldpodcast at all or just click https://linknbio.com/gonecoldpodcastThe Texas State Historical Society, AmericanRoads.us, the Longview News-Journal, The Shreveport Journal, Tyler Morning Telegraph, and The Kilgore News Herald were used as sources for this episode.#JusticeForLeslyeKoon #JudsonTX #LongviewTX #Longview #GreggCountyTX #Texas #TX #TrueCrime #TrueCrimePodcast #Podcast #ColdCase #Unsolved #UnsolvedMurder #Murder #UnsolvedMysteries #GoneCold #GoneColdPodcast #TexasTrueCrimeBecome a supporter of this podcast: https://www.spreaker.com/podcast/gone-cold-texas-true-crime--3203003/support.

Shotgun Spratling and Chris Trevino return behind the microphones for another episode of the Helium Boys Podcast, a serious non-serious USC football podcast. The Helium Boys are back to preview the Trojans' bowl game matchup against TCU in San Antonio and look at a wide array of college football, and USC-specific, topics after USC and Notre Dame mutually announced the discontinuation of their rivalry and high-profile Big Ten programs hired big-time coaches. The episode opens with the Helium Boys staple 'Two-Minute Drill' that features Shotgun railing on both Notre Dame and USC for not being able to come to a resolution that would have resulted in the continuation of their 100-year old rivalry that has previously taken a global war or global pandemic to keep it from being played. The podcasters then dive into the bevy of comments left on Spotify, answering questions and then ultimately having the randomizer select a winner for a Trader Joes gift card. They then jump into a number of news items since the last Helium Boys episode, including the possibility of USC having to look for a new defensive coordinator soon. They also look at the continuously evolving 2026 roster, discussing the latest transfer portal losses, NFL departures, re-signings announced by USC and the last group of players that have not had their future endeavors revealed After a break, the podcasters dive into a preview of the Alamo Bowl matchup against the Christian Horned Frogs of Texas, including the key storylines, players and matchups before predicting why the Trojans will win and why they will lose. The podcast duo also answer your mailbag questions discussing trench play, Biletnikoff statistics and the most memorable moments of the 2025 season. After some 'Take It or Leave It' questions for Shotgun, the episode concludes with Chris and Shotgun ranking the Pop Tarts that were participants in the People's National Championship that is also known at the Pop Tarts Bowl. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

What is God like? John Mark dives into Matthew 11v25-30, exploring what it means that Jesus is "gentle and humble of heart" and showing why grasping this truth is essential for finding true rest for our souls in a culture of burnout and exhaustion.Key Scripture Passages: Matthew 11v25-30; Ephesians 4v2; Colossians 3v12; 1 Peter 3v4; Philippians 2v5-8This podcast and its episodes are paid for by The Circle, our community of monthly givers. Special thanks for this episode goes to: Annemarie from Norwood, South Australia; Seth from Cincinnati, Ohio; Esther from Waynesville, Missouri; Tom from Brunswick, Maine; and Jay from Richmond, Texas. Thank you all so much!If you'd like to pay it forward and contribute toward future resources, you can learn more at practicingtheway.org/give.

Ross is joined by Emory Hunt to give both of their picks and preview all of the College Football Playoff & Bowl games this week including: Independence Bowl, Coastal Carolina vs. Louisiana Tech: 12:10 Music City Bowl, Tennessee vs. Illinois: 12:45 Alamo Bowl, #16 USC vs. TCU: 13:40 ReliaQuest Bowl, #23 Iowa vs. #14 Vanderbilt: 15:00 Sun Bowl, Arizona State vs. Duke: 15:35 Citrus Bowl, #13 Texas vs. #18 Michigan: 16:25 Las Vegas Bowl, Nebraska vs. #15 Utah: 17:40 CFP Quarterfinal – Cotton Bowl, #2 Ohio State vs. #10 Miami: 18:20 CFP Quarterfinal – Orange Bowl, #4 Texas Tech vs. #5 Oregon: 19:40 CFP Quarterfinal – Rose Bowl, #1 Indiana vs. #9 Alabama: 22:00 CFP Quarterfinal – Sugar Bowl, #3 Georgia vs. #6 Ole Miss: 23:30 Armed Forces Bowl, Texas State vs. Rice: 24:25 Liberty Bowl, Navy vs. Cincinnati: 24:40 Duke's Mayo Bowl, Mississippi State vs. Wake Forest: 24:55 Holiday Bowl, #17 Arizona vs. SMU: 25:10 Download the DraftKings Sports Book App and use code ROSS! Connect with the Pod: Website - https://www.rosstucker.com Become A Patron - https://www.patreon.com/RTMedia Podcast Twitter - https://twitter.com/RossTuckerPod Podcast Instagram - https://www.instagram.com/rosstuckerpod/ Ross Twitter - https://twitter.com/RossTuckerNFL Youtube: Youtube.com/RossTuckerNFL TikTok: tiktok.com/@rosstuckernfl Learn more about your ad choices. Visit podcastchoices.com/adchoices

A Texas father found his 15-year-old daughter after she was kidnapped taking the family dog for a walk on Christmas, because of a tracking app on his phone. Using parental controls, he was able to find her in her kidnapper’s pickup truck in a partially wooded area and alert police. It’s a frightening story with a significant lesson for all of us parents.See omnystudio.com/listener for privacy information.

2 hours and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Kyle Whittingham Reaction Starts at :51 Brian can't make fun of the name "Kyle" anymore. Woah, Alex Drain is here! Did Kyle Whittingham get pushed out of Utah? He's 66 but could probably beat up several members of the current team, he doesn't feel too old. This might be the best guy to hit the ground running with Bryce Underwood. He's had a 20+ year stretch of success and it's mostly over-performing expectations statistically. Are there concerns about the way this would translate to Michigan? Utah folks are asking if we're prepared for limited media availability, a coach who can sound like a jerk, and a 300 lbs fullback. Yes, yes we are. Kyle Whittingham's risk for scandal seems extremely low. How many coaches in the Big Ten would you pick over him? His dad's nickname was "Mad Dog". A brief history of his success over his coaching career, which included two PAC-12 Championships. Kyle lets his QB run the ball, Bryce's output this season would've been the worst for Utah going back at least a decade. Harbaugh had a great hit rate on sleeper recruits, Whittingham should as well. He has some very Harbaugh-adjacent quotes as well. What's your letter grade for the hire? [The rest of the writeup and the player after THE JUMP]  2. Assistants Starts at 42:48 The new staff is coming together pretty quickly. Jason Beck is lining up to be the offensive coordinator, coming in from Utah. Alex details his history as a coach which was mostly as an offensive coordinator and QB coach. He likes hybrid players and will love the tight end room. Jay Hill is lined up from BYU as defensive coordinator, BYU fans are not thrilled that he's leaving. He took a 100ish ranked defense and turned it into a top 25 defense. He also made Weber State a powerhouse while he was there. He'll play more man-defense than we're used to which might not be what we want against Ohio State. Jay Hill could also be a head coach in waiting down the road. It feels like the defense is going to be coached again. Jason Beck could be a QB coach but there are rumors that Koy Detmer Jr could come in as an analyst/QB coach. All signs point to Tony Alford being retained. Ron Bellamy will probably stick around, they still need a Michigan guy and he might be the most "Michigan Guy" on staff. Freddie Whittingham could likely come in at tight ends coach, he is not a nepotism hire. He could also be a recruiting coordinator guy if you want to keep Grant Newsome around. Jim Harding could be the offensive line coach coming out of Utah. Lewis Powell might be coming in as defensive ends coach out of Utah. Lou Esposito might stay at Michigan. Linebackers coach is the one area where we haven't heard anything. Whittingham has mentioned going after a coach that is still in the playoffs. Jernaro Gilford might follow Jay Hill as the defensive backs coach. LaMar Morgan is a good recruiter so maybe you keep him. What about Special Teams coach? Time to move on from Kerry Coombs already? How would you grade these potential hires?  3. Hot Takes and The Search, Revisited Starts at 1:38:48 Takes hotter than the Utah message boards. It was a wild ride getting from DeBoer, Fisch, or Dillingham to here. A lot of information was coming from agents getting names out there. A lot of people said "Biff Poggi could get the job" and it was never going to happen. Did Michigan really never go and try to offer Dillingham a job? It feels like his people really hyped him up. We might be having a very different conversation if that Oklahoma receiver would've just caught that ball. Everyone penciled in Dillingham after the Oklahoma Alabama game and then he signs an extension. Whittingham was unemployed, he probably didn't have agents hyping him up. Brian still likes Jeff Brohm. Interestingly Penn State never went after Whittingham but once the Michigan job opened up he said he was "in the transfer portal." Why was Biff Poggi on that podcast? He was shooting his shot for a job but it was never going to happen. How well did the "insiders" do and how clued in will they be on the new staff.  4. Michigan Football vs Texas Starts at 2:18:38 Oh yeah Michigan has a bowl game. The only opt-outs are El-Hadi, Derrick Moore, and Barham (and Ernest Hausmann). Maybe it's a good sign that a lot of players still want to play in this? Six of 11 defensive starters are sitting out for Texas, most of their offense is playing. Michigan's best hope is to watch Arch Manning turf five-yard outs. I guess we'll see Wink walk off the field as a Michigan coach for the last time. This feels like a zombie team right now. Does Michigan have a way to stop Ryan Wingo? The Ohio State game feels like four years ago. Are you excited for this game? A lot of big-name guys have at least remained in the recruiting class. The hope of the Sherrone era was "hopefully he just gets better at coaching" and it's a relief to just move on. What was the most enjoyable game of the Sherrone era? Not the highlight, but the most fun beginning-to-end? A lot of things about the last two to three years make a lot more sense now. A lot of paranoia and worry feels lifted, there are adults in charge.  MUSIC: "Medium Machine"—Sports Team "Inept Apollo"—Nation of Language "Where'd You Go"—Horsegirl “Across 110th Street”—JJ Johnson and his Orchestra   

The Disappearance of Camila Mendoza Olmos | Police Investigation Uncovered This episode dives into the urgent search for Camila Mendoza, a missing person from Texas, offering a police perspective on what the internet often misses about such true crime stories. We analyze the criminal investigation from the viewpoint of NYPD detectives and a retired sergeant, focusing on the efforts of the police department to locate the teenager and provide the latest updates on this significant case. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Ross is joined by Emory Hunt to give both of their picks and preview all of the College Football Playoff & Bowl games this week including: Independence Bowl, Coastal Carolina vs. Louisiana Tech: 12:10 Music City Bowl, Tennessee vs. Illinois: 12:45 Alamo Bowl, #16 USC vs. TCU: 13:40 ReliaQuest Bowl, #23 Iowa vs. #14 Vanderbilt: 15:00 Sun Bowl, Arizona State vs. Duke: 15:35 Citrus Bowl, #13 Texas vs. #18 Michigan: 16:25 Las Vegas Bowl, Nebraska vs. #15 Utah: 17:40 CFP Quarterfinal – Cotton Bowl, #2 Ohio State vs. #10 Miami: 18:20 CFP Quarterfinal – Orange Bowl, #4 Texas Tech vs. #5 Oregon: 19:40 CFP Quarterfinal – Rose Bowl, #1 Indiana vs. #9 Alabama: 22:00 CFP Quarterfinal – Sugar Bowl, #3 Georgia vs. #6 Ole Miss: 23:30 Armed Forces Bowl, Texas State vs. Rice: 24:25 Liberty Bowl, Navy vs. Cincinnati: 24:40 Duke's Mayo Bowl, Mississippi State vs. Wake Forest: 24:55 Holiday Bowl, #17 Arizona vs. SMU: 25:10 Download the DraftKings Sports Book App and use code ROSS! Connect with the Pod: Website - https://www.rosstucker.com Become A Patron - https://www.patreon.com/RTMedia Podcast Twitter - https://twitter.com/RossTuckerPod Podcast Instagram - https://www.instagram.com/rosstuckerpod/ Ross Twitter - https://twitter.com/RossTuckerNFL Youtube: Youtube.com/RossTuckerNFL TikTok: tiktok.com/@rosstuckernfl Learn more about your ad choices. Visit podcastchoices.com/adchoices

FoodServiceIQ is based in Austin, Texas and helps specifically independant restaurants reduce food costs by an average of 5-7% on a 100% performance basis. To use their services, please email Eric at eric@restaurantunstoppable.com to get the best deal! Also, we get a commission this way, which greatly helps the mission and the podcast thrive into the future! Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. - Cerboni - Cerboni is an all-in-one financial solution for restaurants. Reliable tax preparation & Business incorporation. Seamless Payroll and compliance report. Strategic CFO Services That Drive Business Growth. Detailed, custom reporting for complete financial clarity. Dedicated support for restaurants & Multi-location businesses. End-to-end financial management under one roof.   -   US Foods®. Make running your foodservice operation easier and more efficient with solutions from US Foods®. Utilize a suite of digital tools, like the all-in-one foodservice app MOXē®, and enjoy exclusive access to quality Exclusive Brands products. Learn how partnering with US Foods helps you get more out of your business by visiting www.usfoods.com/expectmore   - Restaurant Systems Pro - Lower your prime cost by $1,000, and get paid $1,000 with the Restaurant Systems Pro 30-Day Prime Cost Challenge. If you successfully improve your prime cost by $1,000 or more compared to the same 30-day period last year, Restaurant Systems Pro will pay you $1,000. It's a "reverse guarantee."  Let's make 2026 the year your restaurant thrives. Guest contact info:  Email Eric at eric@restaurantunstoppable.com to ensure RU gets recognition! Check out their website: https://www.foodserviceiq.com Thanks for listening! Rate the podcast, subscribe, and share! 

A Nagging Feeling; A Gift by Autumn Dickson Welcome to the Old Testament. I remember the first year I prepared to teach from the Old Testament back in 2022, and I remember being quite overwhelmed with the idea of it. The Old Testament is a very foreign way of writing; it holds a lot of cultural context that can make it difficult. As I worked to prepare messages that year, I found that I wasn't totally wrong in my apprehension. The Old Testament was hard, and it took me much longer to find messages in there and to understand the messages. But I also grew to love the Old Testament that year. I testify that it is worth studying, and it's worth the extra effort. Oftentimes the things that require the most of us are the very things that draw us closer to Christ and therefore, become our favorite things. Which is actually what I want to share today. I remember sitting in a church class and hearing someone say something along the lines of, “We need to stop making people feel bad if they don't study everyday. Some of us just can't, and God still loves us.” I thought that was an interesting observation to make for a couple of reasons. The first reason I found it interesting was because I hadn't heard a single comment that was remotely condemning towards those who hadn't been studying everyday. If someone was feeling guilty about not studying, it wasn't coming directly from the other people who were commenting. Was it coming from the Holy Ghost or from social pressure? I'm not sure. However, let's focus more on my second reason for finding this comment interesting. That reason is going to take the rest of my message. The Lord very strongly asked me to start creating content for the Come Follow Me program. It started with a blog; I felt much more comfortable with this because I could hide behind my writing and not put my face up there. I still didn't want to do the blog because it sounded like it would take a ton of effort, but it sounded more doable than other forms of sharing content. The Lord is tricky that way sometimes because after I got the hang of a blog, He told me to expand my efforts to YouTube. Then a podcast. Instagram. Facebook. TikTok. I fought Him every step of the way if we're being totally honest. There are a couple of reasons I fought Him. The first reason was that I didn't want to be more visible. I had spent a good portion of my life trying to make myself more visible to feel better about myself, and it had only ever burned me. There came a point when I started doing the exact opposite. The second reason is more applicable to what I want to talk about. It was going to be so much work. And it was. Oh my, this has all been so much work. Each step of the way has required a huge learning curve. Creating a website was overwhelming, and there were many angry tears. I almost gave up completely the first time I ever filmed a video and if it hadn't been for my husband forcing me back into the room to try again, I might have given up. Every step of the way, my soul fought with Him over adding just a bit more. I argued that I already didn't have time to do what I was doing. I argued that it was already requiring so much of me to put myself out there. I argued that I was already sacrificing a lot for this. But He persisted and has won up to this point. The effort extended beyond just a learning curve for technology. Trying to share a message about Jesus Christ every single week has been…stretching. I can't tell you how often I've felt that I had nothing left to share. I can't tell you how many times I've had writers block and stared at the screen for a collective number of hours with nothing to show for it. I've been led down research rabbit holes that sometimes amounted to something, and other times, it all came to an anticlimactic stop. I'm a stay-at-home mom who started creating content in 2020. I will hit my 6 year mark this year. To say that I have studied the scriptures is an understatement because my qualifications for this were non-existent beyond what my parents had lovingly taught me at home. I had to study, harder than I ever studied in school, to allow the Lord to help me create. I testify that it was so much work, and  can't testify enough of how this work has changed me. Behind the role of mother and wife, creating this content week after week after week has completely transformed me. It has changed me more than my mission changed me. I am completely new. So should my friend feel bad about not reading the scriptures? Many people would say, “No! Don't make them feel bad! It's better to just teach them the happy effects of scripture study to inspire them.” And you know what? Maybe they're right. I think oftentimes, it is most effective to try and inspire someone into doing the right thing to make their life better. On the flip side, the only reason I started this journey was because I could no longer enjoy my TV show or book while my kids were napping. Every time I sat down to watch and take my break, I felt that nagging feeling that I needed to be investing my time in what God wanted me to do. To be 100% honest, I felt bad for ignoring Him. Feeling guilty that I wasn't following what He had asked me to do is the very thing that got me started on one of the most life-changing things I've ever experienced. The bad feeling was exactly what I needed. So was my friend feeling the Holy Ghost or the pressures of the society around her? I don't know. But I do know this. Acting on that guilty feeling and prioritizing study (because heaven knows the Old Testament requires study) is life-changing. It is hard, but all the best things are. Don't miss out. Someday you'll be given the opportunity to see what you missed out on, and I'm almost positive that's half the reason for the gnashing of teeth on the other side. We will be so mad at ourselves for missing out. Studying in order to create content each week has been so hard. So hard. So painfully hard. Weeks on end of feeling like I was trying to move the Great Wall of China with just my hands. But studying is worth it. I can testify of that principle more than I can testify of a lot of principles. You don't have to be perfect. There were so many imperfect days, but even the imperfect days contributed to changing me. Commit to yourself that this year is the year that you'll engage in scripture study. The Old Testament has to be studied. When the day comes that you're willing to engage in the commandment to study the word of God everyday, you will get to the point where you will wish you had started earlier. Oh how I wish I had developed the hope I have now while I was still in high school. It would have saved me in so many ways. I testify that scripture study is worth it. I testify that the Old Testament has a lot to give if you're willing to give. God stands ready to speak to you and change your life. He stands ready to let the hope of Christ completely transform how you feel about everything important in your life. Let the Spirit tell you that you need to give more of yourself because that is the Spirit telling you how to elevate your life to a whole new level. Listen. Autumn Dickson was born and raised in a small town in Texas. She served a mission in the Indianapolis Indiana mission. She studied elementary education but has found a particular passion in teaching the gospel. Her desire for her content is to inspire people to feel confident, peaceful, and joyful about their relationship with Jesus Christ and to allow that relationship to touch every aspect of their lives. Autumn was the recipient of FAIR's 2024 John Taylor Defender of the Faith Award. The post Come, Follow Me with FAIR – Introduction to the Old Testament – Part 1 – Autumn Dickson appeared first on FAIR.

Hoch, Solana, and Jimmy celebrate the Dolphins' victory against the Tampa Bay Buccaneers on a Victory Monday, and the two things we learned from Sunday's victory. Also, we preview the Canes vs Ohio State game in Arlington, Texas, with Don Bailey Jr., who is in Arlington for the game. Plus, Mike Cugno and Omar Kelly join the show to break down the Dolphins' win over the Buccaneers.

Episode Description

Good morning, afternoon, and evening, real estate investors! Scott Carson here, bringing you another special episode that's all about making money move. Today, we're heading to the true heart of north Texas – Fort Worth (sorry, Dallas) – to chat with one of our note investing rockstars, Brian Dills. This part-time investor is still rocking his full-time gig in education but is building a killer cash flow portfolio, one sweet performing note at a time!Brian's journey is a masterclass in evolving your investing strategy. He started in property management, built and sold a successful company (a feat many just crash and burn!), and even dipped his toes into being a realtor. But it was note investing that truly moved the needle, especially after he "paid the tuition" on a tricky Pennsylvania deal – a valuable lesson that shifted his focus to the steady rhythm of performing notes. Now, he's got a gem on his hands, and you're getting an inside look!Here's what makes this Fort Worth performing note a true Texas-sized opportunity:A-List Asset, Prime Location: Dive into the details of a single-family, first-lien deed of trust in a desirable Fort Worth zip code, boasting a conservative market value of nearly $200,000.Borrower Commitment is King: Discover why the borrowers' history of consistently overpaying to catch up makes this a low-risk, high-reward scenario – they're serious about keeping their home!Sweet 8% Passive Return: Learn how you can plug your idle capital (hello, Self-Directed IRA!) into this deal for a solid 8% interest-only return over 24-36 months, with Brian still banking nearly $300/month in cash flow.Equity Cushion & Texas Speed: Understand the massive equity gap, making this a super secure investment, and why Texas's fast foreclosure laws offer an extra layer of protection (though the goal is always win-win!).The Power of Consistency: Hear how Brian sourced this "in-his-backyard" deal through consistent networking on LinkedIn, proving that showing up and following up works to find off-market opportunities.This isn't just about a single deal; it's a blueprint for building passive income, leaving the rat race, and becoming AI-searchable (if you've been listening!). Brian is living proof that consistent effort and a laser focus on cash flow can get you where you want to go. If you're looking to fund this gem or other future deals, reach out to Brian at brian@heritagefinancialholdings.com or call him directly at (682) 203-7789. Don't let your money sit on the sidelines when you can earn an above-average return and help a fellow investor succeed. Go take some action, everybody – and we'll see you at the top!#NoteInvesting #RealEstateInvestor #PerformingNotes #FortWorthRealEstate #TexasInvesting #PassiveIncome #SelfDirectedIRA #CashFlow #RealEstateDeals #InvestorMindsetWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Rod Babers and Jeff Howe discuss whether Cam Coleman is the missing piece for Texas, if Coleman is worth the asking price and more!   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

OTF's Longhorn Livestream is LIVE reacting to the latest Texas football news, transfer portal and taking your questions! Drop your questions and comments in the chat!   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hero Kanu & Parker Livingstone meet with the media ahead of the Citrus Bowl.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

There may be no personal income tax in Texas, but property tax? That’s another thing. And perhaps, the next big thing in Texas politics. The Texas Newsroom’s Blaise Gainey joins us with more on what’s emerging as a new theme in Texas politics for 2026: Property taxes.4 million Texans signed up for health plans from […] The post What to know if Affordable Care Act subsidies expire appeared first on KUT & KUTX Studios -- Podcasts.

(00:00:00) Every Bowl Pick Dec 31 - Jan 2 | Full College Football Predictions (00:02:09) Iowa vs Vanderbilt (00:08:06) Arizona State vs Duke (00:14:17) Michigan vs Texas (00:19:55) Nebraska vs Utah (00:25:21) Rice vs Texas State (00:29:02) Navy vs Cincinnati (00:34:15) Arizona vs SMU (00:38:41) Wake Forest vs Mississippi State Picks and predictions for eight college football bowl games from December 31 through January 2, with a full breakdown of opt-outs, injuries, coaching changes, and matchup edges. Each game is analyzed using projected stat spreads, power ratings, recent form, and motivation factors to identify where the betting market may be mispriced.From Iowa–Vanderbilt and Duke–Arizona State to Michigan–Texas, Nebraska–Utah, Navy–Cincinnati, and SMU–Arizona, this episode focuses on how roster availability and effort matter more than brand names in bowl season.

Mentioned in this EpisodeConnect with the Podcast: Facebook: @texaswinepod Instagram: @texaswinepod Email: texaswinepod@gmail.com Show notes and more: www.thisistexaswine.com Help the Show: Subscribe to the newsletter. Donate virtual Texas wine or join the podcast membership at the Gold Medal, Silver Medal, or Bronze Medal Level! Leave a review on Spotify or Apple Podcasts! Mentioned in Top Texas Wine Stories of 2025This and more from JamesSuckling.com: “Bursting Out in All Directions: Texas 2025 Tasting Report”Texas wine in DecanterWineFolly guide to the Texas Hill CountryTop 100 Wines and Texas wine coverage by Jonathan CristaldiTexas Monthly Coverage including Paula Forbes for Texas Monthly: “Texas wine is better than ever. Why is it so hard to find?” Calais Winery #38 on JamesSuckling's Top 100 Wines of the USA 2025 ListWine Business Monthly: “William Chris Vineyards Named Among the World's 50 Best Vineyards – The First and Only Texas Winery on the List”Texas Winery Competition Results on TxWineLover.comTopTexasWines.comTexas Oak Aging Program at Bending Branch WineryThe Get Together from Ron Yates: Premium Boxed Wine from TexasNew Sparkling Wine Production Facility at Invention VineyardsElisa Jones of Elisa Christopher Wines on Another Bottle Down PodcastWine America's Economic Impact Study 2025Tate Gregory's Blog Post for Texas Wine GrowersTexas High Plains Journal: “Texas vineyards report high quality wine grapes.” 2025 Texas Wine Pod AwardsBest Winery Marketing Effort: Triple N Ranch and Winery's Longhorn SculptureBest New Event in North Texas: Drink North Texas by North Texas Wine CountryBest New Event in Hill Country - part one: Friesen Cab Franc-OffBest New Event in Hill Country - part two: Walk Around Tasting by Rhone RangersBest Use of Technology in Texas Wine: Wine Style Selector Tool by VineSleuth / Wine4.me for Texas Hill Country WineriesBest Response to a Tragedy: Rose to Rebuild by Texas Hill Country Wineries and Horseshoe Bay ResortBest New Approach to Get Texas Wines on a Wine List: Texas Wine Growers' Best of Texas Wine ListMy Favorite Texas Wine of 2025: Carter Creek Winery's 2024 Plateau White, Texas High PlainsBest News in Texas Wine Distribution: Wine For the People LabelBest Way to Celebrate the 12 Days of Christmas: Farmhouse Vineyards' Wine Advent CalendarBest Wine Substack Article: “No Prize for the Bedpan” by Regan Meador on Letters from SoutholdBest Instagram Reel: The Austin Winery's reel with Woven PlacesBest New Wine Podcast: The Wine Lab by Dr Andreea BotezatuBest Texas Wine News in the Rio Grande Valley: RGVino Wine Bar OpeningBest New Wine Club Model: Wine Atlas CollectiveBest New Viticultural Project: One Block Challenge from Regenerative Viticulture FoundationDemerit and Gold Star DEMERIT:none this episode GOLD STARS: none this episode Special ThanksNeed lodging in Fredericksburg? Check out Cork + Cactus! Find Cork + Cactus and many more great rentals at Heavenly Hosts.com! Thanks to Texas Wine Lover for promotional help! For the latest information on Texas wineries and vineyards, visit Texas Wine Lover. Don't forget to download the Texas Wine Lover app too!Podcast music is by Landon Lloyd Miller. Check him out on Spotify HERE

Full show- December 29th 2025 full 7724 Mon, 29 Dec 2025 16:24:04 +0000 Mw8x3R7Bf9EEYVyCIfHjm1zu534jITmg sports Shan and RJ sports Full show- December 29th 2025 DFW sports fans, this one's for you. The Shan & RJ show brings the heat with honest takes, sharp insight, and plenty of laughs covering the Cowboys, Mavericks, Rangers, Stars, and everything Texas sports. Hosted by longtime local favorites Shan Shariff and RJ Choppy, along with insider Bobby Belt, the show blends deep knowledge with real fan vibes — plus regular guests like Cowboys owner Jerry Jones, Head Coach Brian Schottenheimer and former players who keep the conversation fresh and real. New episodes drop Monday-Friday, or you can listen to Shan & RJ live on 105.3 The Fan, weekdays from 6–10 a.m. CT. © 2025 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2F

Post Hut Clarity: Bobby reviews the Cowboys' film in the win over the Commanders full 1304 Mon, 29 Dec 2025 14:35:44 +0000 nKKT0xp66a41eWno6RU59Y36hhca6G7f nfl,dallas cowboys,sports Shan and RJ nfl,dallas cowboys,sports Post Hut Clarity: Bobby reviews the Cowboys' film in the win over the Commanders DFW sports fans, this one's for you. The Shan & RJ show brings the heat with honest takes, sharp insight, and plenty of laughs covering the Cowboys, Mavericks, Rangers, Stars, and everything Texas sports. Hosted by longtime local favorites Shan Shariff and RJ Choppy, along with insider Bobby Belt, the show blends deep knowledge with real fan vibes — plus regular guests like Cowboys owner Jerry Jones, Head Coach Brian Schottenheimer and former players who keep the conversation fresh and real. New episodes drop Monday-Friday, or you can listen to Shan & RJ live on 105.3 The Fan, weekdays from 6–10 a.m. CT. © 2025 Audacy, Inc. Sports False https://play

Inside the Star: Should the Cowboys rest Dak in the last game of the season? full 771 Mon, 29 Dec 2025 13:55:25 +0000 f8RfkmlPFovQ9DqsTerC25cNLBBJbj7I nfl,dallas cowboys,sports Shan and RJ nfl,dallas cowboys,sports Inside the Star: Should the Cowboys rest Dak in the last game of the season? DFW sports fans, this one's for you. The Shan & RJ show brings the heat with honest takes, sharp insight, and plenty of laughs covering the Cowboys, Mavericks, Rangers, Stars, and everything Texas sports. Hosted by longtime local favorites Shan Shariff and RJ Choppy, along with insider Bobby Belt, the show blends deep knowledge with real fan vibes — plus regular guests like Cowboys owner Jerry Jones, Head Coach Brian Schottenheimer and former players who keep the conversation fresh and real. New episodes drop Monday-Friday, or you can listen to Shan & RJ live on 105.3 The Fan, weekdays from 6–10 a.m. CT. © 2025 Audacy, Inc. Sports False https://player.a

Below the Belt: Cowboys players that might not be around next season full 793 Mon, 29 Dec 2025 15:28:07 +0000 WbYJcy9PB3T26E8Gem9Zjb8XIh6uPDyh nfl,dallas cowboys,sports Shan and RJ nfl,dallas cowboys,sports Below the Belt: Cowboys players that might not be around next season DFW sports fans, this one's for you. The Shan & RJ show brings the heat with honest takes, sharp insight, and plenty of laughs covering the Cowboys, Mavericks, Rangers, Stars, and everything Texas sports. Hosted by longtime local favorites Shan Shariff and RJ Choppy, along with insider Bobby Belt, the show blends deep knowledge with real fan vibes — plus regular guests like Cowboys owner Jerry Jones, Head Coach Brian Schottenheimer and former players who keep the conversation fresh and real. New episodes drop Monday-Friday, or you can listen to Shan & RJ live on 105.3 The Fan, weekdays from 6–10 a.m. CT. © 2025 Audacy, Inc. Sports False https://player.amperwave

Jason, Nick and Dave B preview Texas vs Michigan in the Citrus Bowl before welcoming the great Father Dawn for his first podcast appearance. Plus: fantasy ethics, the Spurs own the Thunder, and how Jason did his best to make his sister cry on Christmas.Bonus episodes available at patreon.com/jasondick or https://creators.spotify.com/pod/show/jason-dick/subscribe

In this conversation, Thomas Talbert discusses his journey as a single-family property manager in Austin, Texas, focusing on growth, education, and the importance of providing value to clients. He shares insights on transitioning from operations to sales, the significance of continuous learning, and the need for accountability in management. Talbert emphasizes the importance of a servant mindset in business and the necessity of narrowing one's focus to achieve success.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

A Texas father found his 15-year-old daughter after she was kidnapped taking the family dog for a walk on Christmas, because of a tracking app on his phone. Using parental controls, he was able to find her in her kidnapper’s pickup truck in a partially wooded area and alert police. It’s a frightening story with a significant lesson for all of us parents.See omnystudio.com/listener for privacy information.