Podcasts about Toledo

This Teisho was given by the Rev. Do'on Roshi at the Buddhist Temple of Toledo on July 16, 2025. In this talk Do'on Roshi continues the discussion of the 6th case from the Blue Cliff Record known as Yun Men's Every Day Is a Good Day.   If you would like to learn more about the Buddhist Temple of Toledo or to make a donation in support of this podcast please visit buddhisttempleoftoledo.org.   Part of Rev. Do'on Roshi's Teisho on the Blue Cliff Record series.

Há anos, a Turquia virou referência de transplante capilar acessível e rápido. Pacotes com hotel, transporte, exames e cirurgia atraíram milhares de viajantes de todas as partes do mundo. No entanto, o cenário agora é diferente, segundo especialistas. O Brasil ganha cada vez mais destaque no mercado. A popularização do procedimento, com técnicas e custos mais acessíveis, fez dele tendência entre os brasileiros, o que também inspira preocupação. Mesmo sendo uma intervenção segura, demanda todos os cuidados habituais de uma cirurgia. O podcast UOL Prime, apresentado por José Roberto de Toledo, traz os detalhes do boom dos transplantes capilares no Brasil e dos perigos da popularização do procedimento. #uolprime #PodcastUOLPrime

12-31-25 - BR - MIX - List Of Most Fun Cities In The Country Includes Toledo - Chi Chis Restaurants Closing Finally - Dec 2024 - BOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12-31-25 - BR - MIX - List Of Most Fun Cities In The Country Includes Toledo - Chi Chis Restaurants Closing Finally - Dec 2024 - BOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join us in Discord! Check out our Patreon page! Patreon.com/GameThatTune is the home for exclusive content! Special thanks to our ABSURD FAN tier Patreon producers: Sam L, PhoenixTear2121, BeastPond, and Spanky McMasters! 0:00:00 Intro 0:04:49 Clair Obscur: Expedition 33 - World Map - In Lumière's Name by Lorien Testard 0:07:55 Mario Kart World - Wario Shipyard by Atsuko Asahi, Maasa Miyoshi, Takuhiro Honda & Yutaro Takakuwa 0:10:02 Split Fiction - Train Conductor by Gustaf Grefberg 0:12:54 ARC Raiders - Team up! by Patrik Andrén & Johan Söderqvist 0:15:44 Monster Hunter Wilds - Ebon Hellfire - Nu Udra -Chase- by Mana Ogura 0:18:16 Taria and Como - Shock Therapy by Jesse Haugen 0:21:23 Pipistrello and the Cursed Yoyo - Final Boss Battle 2 by Leonardo Lima 0:26:07 DELTARUNE 3+4 - TV World by Toby Fox 0:28:15 Earthion - Dawn of Earthion by Yuzo Koshiro 0:30:30 Song of the Sea - A City Where None Live by Austin Wintory 0:36:28 Constance - A Way Home by Tiago Rodrigues 0:38:32 Ghost of Yōtei - Oshima Coast by Toma Otowa 0:42:06 South of Midnight - Bruh by Olivier Deriviere 0:46:22 DEATH STRANDING 2: ON THE BEACH - To the Wilder feat. Elle Fanning by Woodkid, Elle Fanning 0:50:55 Hades II - Mother of All Storms by Darren Korb 0:55:09 Like a Dragon Pirate Yakuza in Hawaii - Crushing Blow by Saori Yoshida 0:58:18 Ninja Gaiden: Ragebound - The Return, Pt. I by Sergio de Prado 1:01:29 UNBEATABLE - Proper Rhythm (MUST DIE! Remix) by D-CELL 1:04:43 DOOM: The Dark Ages - Ancestral Beast by Finishing Move Inc. 1:08:01 Tainted Grail: The Fall of Avalon - Skull Drum Ritual by Andrzej Janicki 1:10:47 Promise Mascot Agency - Pay the Price by Alpha Chrome Yayo 1:13:47 Monster Train 2 - Fallen Angel Anthem by Jordan Chin 1:16:29 Kirby Air Riders - Skyah by Hirokazu Ando, Jun Ishikawa, Shogo Sakai, Noriyuki Iwadare, Tadashi Ikegami, Akira Miyagawa, Hiroki Hashimoto, Hironobu Inagaki, Atsuyoshi Isemura, Nobuyoshi Kobayashi, Torine, Sho Okada, Rio Hamamoto, Kanaya Oki, Yoshinori Hirai 1:21:34 Dynasty Warriors Origins - HUMANE GREEN -DW ORIGINS MIX- (Event - Liu Bei's Forces) by Masako Otsuka, Gota Masuoka 1:25:03 Bionic Bay - Polarity by Francisco Javier Perez 1:31:06 BALLxPIT - Ballbylon Has Risen by Amos Roddy 1:33:31 Dispatch - Interface by Skyler Barto 1:36:12 ARC Raiders - City of Toledo by Patrik Andrén & Johan Söderqvist 1:39:04 FATAL FURY: City of the Wolves - Determination (Gato) by SNK Sound Team 1:43:24 Split Fiction - Kites by Jonatan Järpehag 1:45:57 Marvel Cosmic Invasion - Lvl 01 NYC by Tee Lopes 1:47:58 Like a Dragon Pirate Yakuza in Hawaii - Unyielding Spirit by Saori Yoshida 1:51:03 Pokémon Legends: Z-A - Battle! (Team MZ) by Go Ichinose, Minako Adachi, Hiromitsu Maeba, Carlos Eiene, Shinji Hosoe, Ayako Saso & Takahiro Eguchi 1:54:12 Sonic Racing: CrossWorlds - Sky Road Lap Music + Final Lap by Takahiro Kai 1:57:36 Mario Kart World - Waluigi Pinball & Wario Stadium (Night) [Mario Kart DS] by Atsuko Asahi, Maasa Miyoshi, Takuhiro Honda & Yutaro Takakuwa 2:00:53 Skate Story - Godhook by John Fio 2:04:37 Öoo - Area3 by Tsuyomi 2:07:15 Pokémon Legends: Z-A - Prism Tower's Dark Turn by Go Ichinose, Minako Adachi, Hiromitsu Maeba, Carlos Eiene, Shinji Hosoe, Ayako Saso & Takahiro Eguchi 2:12:01 Silent Hill f - The Bird's Lament by Akira Yamaoka 2:16:54 South of Midnight - The Storm by Olivier Deriviere 2:20:23 Skin Deep - Catnip Baby by Ghoulnoise 2:23:16 Revenge of the Savage Planet - Cliffs of Abaddoon by Samuel Laflamme 2:26:19 Once Upon a Katamari - Katamari on the Doun (Instrumental) by Katamari Damacy Series SOUND TEAM 2:30:36 To a T - PerfecT Shape (Game Edit) [feat. prep.] by sakai asuka 2:33:49 FINAL FANTASY TACTICS The Ivalice Chronicles - Love Love Happiness by 三井 ゆきこ 2:36:06 Absolum - Fire Swamps by Gareth Coker 2:39:42 Donkey Kong Bananza - Beaky Thicket (Forest Layer) by Naoto Kubo 2:43:34 and Roger - Journey by Yasuhiro Nakashima 2:45:43 Blue Prince - Doorways And Dreams by Trigg & Gusset 2:49:03 Malys - Malys (feat. Montaigne) by Belinda Coomes 2:52:24 Marvel Cosmic Invasion - Lvl 00 Prologue by Tee Lopes 2:53:55 Shinobi: Art of Vengeance - The Fish Market battle (Rogue Tides) by Tee Lopes 2:59:25 BALLxPIT - Liminal x Desert by Amos Roddy 3:03:19 DELTARUNE 3+4 - Raise Up Your Bat by Toby Fox 3:05:28 Clair Obscur: Expedition 33 - Ancient Sanctuary - Megabot#33 by Lorien Testard 3:09:38 Promise Mascot Agency - Tanuki Beat by Alpha Chrome Yayo 3:12:24 Skin Deep - When I Look At You (It's Like I'm Staring at the Sun) by Ghoulnoise 3:15:29 Citizen Sleeper 2: Starward Vector - Senna's Rest by Amos Roddy 3:17:34 Many Nights a Whisper - My Heart's Faint Call by Fingerspit 3:20:05 Kingdom Come: Deliverance II - Trouble At Mill by Jan Valta 3:22:34 Tainted Grail: The Fall of Avalon - The Last March by Andrzej Janicki 3:24:32 Monster Hunter Wilds - Proof of a Hero (2025 Recording) by Masato Kouda 3:28:42 Blue Prince - Under The Black Bridge by Trigg & Gusset 3:32:15 Rift of the NecroDancer - Suzu's Quest (feat. Nick Nausbaum) by Sam Webster 3:35:55 South of Midnight - Two-Toed Tom - Boss Fight by Olivier Deriviere, Caroline Owens, Craig Robinson 3:39:34 Once Upon a Katamari - CHILL PRINCE by Kenji Niinuma, Katamari Damacy Series SOUND TEAM 3:42:40 Donkey Kong Bananza - Breaking Through (Heart of Gold) by Naoto Kubo 3:47:17 Clair Obscur: Expedition 33 - Paintress by Lorien Testard

Apoie o UP no Orelo: ⁠⁠⁠⁠⁠⁠clique aqui!⁠⁠⁠2026 tá vindo aí e, como fazemos tradicionalmente, nos reunimos para imaginar e compartilhar tudo o que tem de mais legal (ou não) por vir nesse ano que tá chegando. Neste episódio, Cardoso e Marcellus Vinícius recebem o Lucas do Nautilus para um papo sobre expectativas para 2026!O nosso muito obrigado a: Guilherme Serravalle, Diego Almeida, Vitor Ludwig, João Sousa, Breno Bezerra Bluhm, Jéssica Macedo, Lucas Eid, Naga, Gabriel Dias, Matheus Henrique, Victor Toffano, Guilherme Magalhães, Rafael Ramalli da Silva, Lucas Carvalho, Renato Martins, Bruno Luiz Korckievicz, Marcelo Junior, Vitor Araujo, Anderson Lister, Lucas Brum, Rodrigo Souza, Rodrigo Taira, Paulo Piazza, Victor “VicGurg” Gurgel, Moisés Resende, Caio Barcelos, Renato Bena, Daniel Labres, Gabriel Bisuli, Renan Ferraz, Davi, Gustavo Garcia, Pedro Vital Brazil, Eric Quarterolli, Sergie Arruda, Bruno Correia Milani, Venigma, João Cassorielo, Yan Queiroz, Vivian, Henrique Fernandes Veri Marques, Gabriel Bittencourt Borowski, REGIS F G FREITAS, Rafael Valim, Anderson Barbosa, Felipe Dal Molin, Luan Germano, Andre Jarenkow, Guilherme Rodrigues, Érica Fontana, Giancarlo, Marcus Buzette, Arthur Luiz, Isadora Marques, Daniel Baumgratz, Caio Cardoso, Giovanne, Daniel Ferreira de Camargo, Ananias Júnior, Rebeca Moura, Clarissa Farias, Daniel Bandoni, Thiago Yakomizo Buainain, Pedro C., Rafael Silva, Luiz Gustavo, Matheus Vasques, Moisés Pacheco de Souza, João Henrique, Bruno Hatto, Marquinhos Maia, Carlos Bonomi, Joao, Akemi Nakamura, Wellington Oliveira, Luiz Fernando Moratelli, Francisco Campos, Fernando Gusman, Ednardo M.Toledo, Cicero Ruschel, Arthur Valladão, dudu pansica, Anne Verrino, Paulo Felisbino, Felipe Gil, Mariana Janoti, Carlos Jefferson, Leonardo Azzi Martins, Arthur Goulart, Rafael Yabiku, MARCELO CARLOS DOS SANTOS JÚNIOR, Gabriel Barros, Júlia Paterniani, Renan Felipe Silva, Guilherme Shuto, Area Zero Podcast, Marcel Kuhne, Filipovisky De La Fuente, Ruan, Helio Cannone, Agmar, andre juck, Andre Benia, André Luís Teixeira, Suellen Amorim!Siga o UP:Orelo | Twitter | Twitch | Instagram | DiscordContato comercial: contato@somosup.com

Host John Lund puts a cap on the 2025 Louisville football season with a recap of the Bush's Boca Raton Bowl of Beans Bowl win over Toledo and what Jeff Brohm had to say about it, along with some transfer portal and coaching news. It was another hair-pulling and frustrating slog of a game in the Cardinals 27-22 win over the Rockets, but why should this night be different than any other night! Explosive runs carrying the offense late, the defense carrying the offense early, and another hold your breath and hope it all works out. In coaching news, Jeff Brohm (seemingly) is sticking around as head coach, but defensive coordinator Ron English is out for 2026. In transfer portal news, Deuce Adams highlights the list of names already on the way out, with plenty more assuredly coming and going when things officially open up in the next couple days. And, most importantly, ranking the Top Five Christmas movies of all-time. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

La información de la provincia de Toledo, desde primera hora de la mañana en las emisoras de la provincia. Actualidad, titulares del día, avance de previsiones y la información del tiempo y el tráfico

La información de la provincia de Toledo, desde primera hora de la mañana en las emisoras de la provincia. Actualidad, titulares del día, avance de previsiones y la información del tiempo y el tráfico

Hoy por Hoy Toledo

Toda la información de la provincia de Toledo, resumida y analizada en el informativo líder de la Cadena SER

On Tuesday's edition of WagerTalk Today, Jesse Schule breaks down teams he's fading in college football and give a best bet Pistons vs Lakers in NBA action & Ralph Michaels joins to talk the Boca Raton Bowl of Beans in Toledo vs Louisville & give a bet in the CFB Music City Bowl, Tennessee vs Illinois & Alamo Bowl, USC vs TCU . Jesse Schule joins to talk Nuggets vs Mavericks in NBA action and teams he is looking to fade in College Football bowl action this week.  The Prez Stops by to talk Devils vs Leafs & Canadiens vs Panthers  in NHL action.  Hosts, Andy Lang & Dan Alexander provide props & free picks – don't miss out!Intro 00:00Jesse Schule 3:00CFB Teams to FADE 3:29Money Line Parlay?? 14:00Pistons vs Lakers 15:00Ralph Michaels 26:00Big Line Moves – how does WagerTalk Handle? 25:30Music City Bowl: Tennessee vs Illinois 27:00Alamo Bowl: USC vs TCU 30:35Independence Bowl SGP 35:05WTF or LFG? Follow or Fade this Play? Independence Bowl: Costal Carolina vs Louisiana Tech  36:40The Prez 39:24NHL: Devils vs Maple Leafs 43:50NHL: Canadiens vs Panthers 46:30Andy's All Around the World Free Plays (NBA, NHL & Darts Props & Bets) 52:26

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! La organización territorial de España es el resultado de un largo proceso histórico que refleja su diversidad cultural, política y geográfica. Desde la Antigüedad, la Península Ibérica fue un mosaico de pueblos prerromanos, pero sin unidad política. Roma impuso la primera estructura administrativa con provincias como la Tarraconense, la Bética y la Lusitania, una división que influyó en futuras fronteras. Tras la caída del Imperio Romano, los visigodos unificaron el territorio ubicando la Corte en Toledo y manteniendo a grandes rasgos la organización territorial romana, pero la invasión musulmana de 711 fragmentó la península, con un emirato que luego se transformó en califato en el sur y núcleos cristianos en el norte (Asturias y la Marca Hispánica). La Reconquista trajo reinos independientes como Castilla, León, Aragón, Navarra y los condados catalanes, que configuraron las bases de regiones actuales. Los Reyes Católicos unieron Aragón y Castilla por arriba, pero cada uno de los reinos siguió manteniendo sus instituciones y leyes propias. Felipe V tras la Guerra de Sucesión, trató de centralizar el poder con los Decretos de Nueva Planta pero Navarra y el País Vasco conservaron sus fueros. En el siglo XIX, la reforma de Javier de Burgos (1833) dividió España en 49 provincias (50 tras dividir Canarias en 1927), inspirada en modelos franceses y liberales. Buscaba uniformidad administrativa para poder gobernar de forma más racional. Esta estructura, basada en capitales provinciales y criterios puramente administrativos se mantuvo en todas las constituciones, incluyendo la de 1978, y sirvió de base para las autonomías. El concepto moderno de regiones surge en el siglo XIX, pero la autonomía regional, que tuvo un primer intento en los años de la segunda República, solo se consolidó tras la Transición. La Constitución de 1978 reconoció “nacionalidades y regiones”, creando 17 comunidades autónomas entre 1979 y 1983. Años más tarde, en 1995, las dos plazas de soberanía del norte de África (Ceuta y Melilla) se convirtieron en ciudades autónomas. Este modelo, ni federal ni unitario, equilibra centralización y descentralización y trata de adaptarse a la diversidad geográfica y cultural del país. · Canal de Telegram: https://t.me/lacontracronica · “Contra el pesimismo”… https://amzn.to/4m1RX2R · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Contra la Revolución Francesa”… https://amzn.to/4aF0LpZ · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #autonomias #CCAA Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! La organización territorial de España es el resultado de un largo proceso histórico que refleja su diversidad cultural, política y geográfica. Desde la Antigüedad, la Península Ibérica fue un mosaico de pueblos prerromanos, pero sin unidad política. Roma impuso la primera estructura administrativa con provincias como la Tarraconense, la Bética y la Lusitania, una división que influyó en futuras fronteras. Tras la caída del Imperio Romano, los visigodos unificaron el territorio ubicando la Corte en Toledo y manteniendo a grandes rasgos la organización territorial romana, pero la invasión musulmana de 711 fragmentó la península, con un emirato que luego se transformó en califato en el sur y núcleos cristianos en el norte (Asturias y la Marca Hispánica). La Reconquista trajo reinos independientes como Castilla, León, Aragón, Navarra y los condados catalanes, que configuraron las bases de regiones actuales. Los Reyes Católicos unieron Aragón y Castilla por arriba, pero cada uno de los reinos siguió manteniendo sus instituciones y leyes propias. Felipe V tras la Guerra de Sucesión, trató de centralizar el poder con los Decretos de Nueva Planta pero Navarra y el País Vasco conservaron sus fueros. En el siglo XIX, la reforma de Javier de Burgos (1833) dividió España en 49 provincias (50 tras dividir Canarias en 1927), inspirada en modelos franceses y liberales. Buscaba uniformidad administrativa para poder gobernar de forma más racional. Esta estructura, basada en capitales provinciales y criterios puramente administrativos se mantuvo en todas las constituciones, incluyendo la de 1978, y sirvió de base para las autonomías. El concepto moderno de regiones surge en el siglo XIX, pero la autonomía regional, que tuvo un primer intento en los años de la segunda República, solo se consolidó tras la Transición. La Constitución de 1978 reconoció “nacionalidades y regiones”, creando 17 comunidades autónomas entre 1979 y 1983. Años más tarde, en 1995, las dos plazas de soberanía del norte de África (Ceuta y Melilla) se convirtieron en ciudades autónomas. Este modelo, ni federal ni unitario, equilibra centralización y descentralización y trata de adaptarse a la diversidad geográfica y cultural del país. · Canal de Telegram: https://t.me/lacontracronica · “Contra el pesimismo”… https://amzn.to/4m1RX2R · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Contra la Revolución Francesa”… https://amzn.to/4aF0LpZ · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #autonomias #CCAA Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

Join Jordan, Commish, Pitt Girl, Beth, and our VP of Podcast Production, Arthur. We talk with our Pop Tarts Correspondents Katie and Melanie, the joys of the Pop Tarts Bowl, Cherry stealing phones, eating the Pop Tarts, where did Slammin Strawberry Go? Shade at Notre Dame? We recap the GO BOWLING Bowl and Pitt's 6 turnovers, the BEANS BOWL with Toledo and Louisville, New Orleans Bowl with MAVERICK, OHIO and UNLV's best play of bowl season, the HAWAII BOWL with Hawaii's 21-0 comeback and LUKE DREAM WEAVER, Central Michigan ate a bunch of coneys, the RATE Bowl as the Gophers can't be beaten in Bowl game, FIU lead 14-0 then UTSA woke up, PINSTRIPE, Jeff Monken has wheels as Army beats Undefeated in Regulation in the Regular Season UConn, Fresno State, the insanity that was the New Mexico Bowl, Mean Green and San Diego State points fest, Gator Bowl, Texas Bowl, then the Sickos Committee Bowl Game Game Show Game for the Stagg Bowl, FCS Championship, Cotton, Orange, Rose and Sugar Bowl with dice rolls and much, much more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hocking County Sheriff's deputies exchange gunfire with a man near Haydenville; Columbus police say violent crime is trending down in the city; group pushes back against new law banning intoxicating hemp; weather causes a unique condition on Lake Erie in Toledo.

Escritor Sueco e jornalista brasileiro falando sobre a inutilidade do tempo, mesmo com cinquenta anos de diferença entre os escritos, a inutilidade continua a mesma, alegam que o tempo só remonta ao que já sabemos e que felicidade independe dele. Acompanha o texto a obra Allegretto de Jenkins Palladio. Obrigado.

No Comentário Final de hoje, Ricardo Spinosa faz um desabafo contundente sobre Londrina ter apenas um Restaurante Popular. Ele compara a cidade com Toledo — menor e que chegou a ter sete unidades — e questiona por que bairros populosos como o Cinco Conjuntos seguem sem esse serviço essencial. #ComentarioFinal #RicardoSpinosa #RestaurantePopular #Londrina #PoliticaPublica #AssistenciaSocial #CincoConjuntos #PaiquereFM989 #TVP #PaiquereFMNews

La información de la provincia de Toledo, desde primera hora de la mañana en las emisoras de la provincia. Actualidad, titulares del día, avance de previsiones y la información del tiempo y el tráfico

La información de la provincia de Toledo, desde primera hora de la mañana en las emisoras de la provincia. Actualidad, titulares del día, avance de previsiones y la información del tiempo y el tráfico

Hoy por Hoy Toledo

Cada martes, la opinión de Javier Mateo

Toda la información de la provincia de Toledo, resumida y analizada en el informativo líder de la Cadena SER

Actor and comedian T.J. Miller explains why a traumatic brain injury is his improvisational "cheat code"—and how a 2010 surgery for an arteriovenous malformation (AVM) in his right frontal lobe fueled a career of manic chaos. Miller discusses the "invisible disability" of brain surgery and the high-stakes gamble of a 10% fatality rate. Along the way: a tour of city mottos, from the low-bar honesty of Toledo to the bizarre promise that Auburn, Washington is "more than you imagined." Plus, a look at the "Bulgarian" financial ecosystem of Fort Wayne, Indiana, where a three-bedroom house costs $485 a month. Produced by Corey Wara Email us at ⁠⁠⁠⁠thegist@mikepesca.com⁠⁠⁠⁠ To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/TheGist⁠⁠⁠⁠ Subscribe to The Gist: ⁠⁠⁠⁠https://subscribe.mikepesca.com/⁠⁠⁠⁠ Subscribe to The Gist Youtube Page: ⁠⁠⁠⁠https://www.youtube.com/channel/UC4_bh0wHgk2YfpKf4rg40_g⁠⁠⁠⁠ Subscribe to The Gist Instagram Page: ⁠⁠⁠⁠GIST INSTAGRAM⁠⁠⁠⁠ Follow The Gist List at: ⁠⁠⁠⁠Pesca⁠⁠⁠⁠ ⁠⁠⁠⁠Profundities | Mike Pesca | Substack⁠⁠⁠⁠

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.

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La información de la provincia de Toledo, desde primera hora de la mañana en las emisoras de la provincia. Actualidad, titulares del día, avance de previsiones y la información del tiempo y el tráfico

In 1946 Joseph Geha moved with his family from Lebanon to Toledo, Ohio. He grew up on his family's stories and delicious Lebanese food, and brings them together in the book 'Kitchen Arabic.' On the Talk of Iowa book club, Geha discusses the book with host Charity Nebbe and expert readers.

What is the Confessing the Faith Conference and why should you attend in 2026? Join Pastors Jim Butler and Cam Porter as they announce our third annual conference focused on Chapter 3 of the 1689 London Baptist Confession: God's Decree. Discover why nothing in life is random—everything is ordained by our sovereign God for His glory and our good. Whether you're a pastor, church member, or simply want to learn more about God and the Bible, this conference will deepen your understanding of biblical truth.

Toledo's long-time organizer of Kwanzaa, Diane Gordon, has passed the torch to her grandson, Rodney. They talked together about the meaning of the African American holiday.

This Dharma Discourse was given by the Rev. Rinsen Roshi at the Buddhist Temple of Toledo on Dec 21, 2025. In this talk Rinsen Roshi discusses the changing of the seasons, the shape of practice for sangha members, and a brief discussion of monastic practice at the temple.   If you would like to learn more about the Buddhist Temple of Toledo or to make a donation in support of this podcast please visit buddhisttempleoftoledo.org.

A Operação Overclean, da Polícia Federal, levanta suspeitas sobre a participação de deputados federais em um esquema bilionário de desvio de dinheiro e corrupção. Neste episódio do UOL Prime, José Roberto de Toledo conversa com Natália Portinari sobre as investigações que começaram na Bahia, mas já atingiram autoridades em Brasília. #uolprime #PodcastUOLPrime

Apoie o UP no Orelo: ⁠⁠⁠⁠⁠⁠clique aqui!⁠⁠⁠Chegou a hora de continuar o papo sobre o TGA 2025, dessa vez com foco nos anúncios. Teve Megaman, Star Wars, Tomb Raider e Zé Renacho, junto com a gente, comentando todos esses detalhes!O nosso muito obrigado a: Guilherme Serravalle, Diego Almeida, Vitor Ludwig, João Sousa, Breno Bezerra Bluhm, Jéssica Macedo, Lucas Eid, Naga, Gabriel Dias, Matheus Henrique, Victor Toffano, Guilherme Magalhães, Rafael Ramalli da Silva, Lucas Carvalho, Renato Martins, Bruno Luiz Korckievicz, Marcelo Junior, Vitor Araujo, Anderson Lister, Lucas Brum, Rodrigo Souza, Rodrigo Taira, Paulo Piazza, Victor “VicGurg” Gurgel, Moisés Resende, Caio Barcelos, Renato Bena, Daniel Labres, Gabriel Bisuli, Renan Ferraz, Davi, Gustavo Garcia, Pedro Vital Brazil, Eric Quarterolli, Sergie Arruda, Bruno Correia Milani, Venigma, João Cassorielo, Yan Queiroz, Vivian, Henrique Fernandes Veri Marques, Gabriel Bittencourt Borowski, REGIS F G FREITAS, Rafael Valim, Anderson Barbosa, Felipe Dal Molin, Luan Germano, Andre Jarenkow, Guilherme Rodrigues, Érica Fontana, Giancarlo, Marcus Buzette, Arthur Luiz, Isadora Marques, Daniel Baumgratz, Caio Cardoso, Giovanne, Daniel Ferreira de Camargo, Ananias Júnior, Rebeca Moura, Clarissa Farias, Daniel Bandoni, Thiago Yakomizo Buainain, Pedro C., Rafael Silva, Luiz Gustavo, Matheus Vasques, Moisés Pacheco de Souza, João Henrique, Bruno Hatto, Marquinhos Maia, Carlos Bonomi, Joao, Akemi Nakamura, Wellington Oliveira, Luiz Fernando Moratelli, Francisco Campos, Fernando Gusman, Ednardo M.Toledo, Cicero Ruschel, Arthur Valladão, dudu pansica, Anne Verrino, Paulo Felisbino, Felipe Gil, Mariana Janoti, Carlos Jefferson, Leonardo Azzi Martins, Arthur Goulart, Rafael Yabiku, MARCELO CARLOS DOS SANTOS JÚNIOR, Gabriel Barros, Júlia Paterniani, Renan Felipe Silva, Guilherme Shuto, Area Zero Podcast, Marcel Kuhne, Filipovisky De La Fuente, Ruan, Helio Cannone, Agmar, andre juck, Andre Benia, André Luís Teixeira, Suellen Amorim!Siga o UP:Orelo | Twitter | Twitch | Instagram | DiscordContato comercial: contato@somosup.com

On Tuesday's edition of WagerTalk Today, Drew Martin joins to talk the Boca Raton Bowl of Beans in Toledo vs Louisville & give a bet in the New Orleans Bowl between Western Kentucky vs Southern Mississippi. Jesse Schule joins to talk Nuggets vs Mavericks in NBA action and teams he is looking to fade in College Football bowl action this week.  Bryan Power stops by to break down tonight's Frisco Bowl between UNLV vs Ohio & talk Thunder vs Spurs in NBA action.  Hosts, Andy Lang & Dan Alexander provide props & free picks – don't miss out!Intro 00:00HAPPY BIRTHDAY ANDY! 2:00Nuggets vs Mavericks 3:00Teams to FADE in CFB 6:30Boca Raton Bowl of Beans Bowl: Toledo vs Louisville 15:40New Orleans Bowl: Western Kentucky vs Southern Mississippi 19:00Bryan Power 25:54UNLV vs OHIO 26:45Thunder vs Spurs 31:25WTF or LFG? Follow or Fade this play? 38:00Andy's All Around the World Free Picks & Props (NBA) 41:20

Host John Lund previews the Bush's Boca Raton Bowl of Beans Bowl between the Louisville Cardinals and Toledo Rockets and what Jeff Brohm had to say about it. The Rockets also enter the game with an 8-4 record overall and are looking for their staunch defense to keep the Cardinals in line. However, Louisville is expected to play most of its staters, with the hopes of securing Jeff Brohm's ninth victory for a third consecutive season. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ross is joined by Emory Hunt to give both of their picks and preview all of the Bowl games this week including: Boca Raton Bowl: Louisville vs Toledo: 14:40 New Orleans Bowl: Western Kentucky vs. Southern Miss: 14:55 Frisco Bow: UNLV vs. Ohio: 15:30 Hawai'i Bowl: Cal vs. Hawaii: 16:00 Rate Bowl: New Mexico vs. Minnesota: 17:00 First Responder Bowl: FIU vs. UTSA: 17:40 Military Bowl: Pitt vs. East Carolina: 18:20 Pinstripe Bowl: Clemson vs. Penn State: 18:45 Fenway Bowl: UConn vs. Army: 19:30 Pop-Tarts Bowl: BYU vs. Georgia Tech: 20:05 Arizona Bowl: Fresno State vs. Miami (Ohio): 21:20 New Mexico Bowl: San Diego State vs. North Texas: 22:10 Gator Bowl: Missouri vs. Virginia: 23:45 Texas Bowl: Houston vs. LSU: 24:50 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

Ross is joined by Emory Hunt to give both of their picks and preview all of the Bowl games this week including: Boca Raton Bowl: Louisville vs Toledo: 14:40 New Orleans Bowl: Western Kentucky vs. Southern Miss: 14:55 Frisco Bow: UNLV vs. Ohio: 15:30 Hawai'i Bowl: Cal vs. Hawaii: 16:00 Rate Bowl: New Mexico vs. Minnesota: 17:00 First Responder Bowl: FIU vs. UTSA: 17:40 Military Bowl: Pitt vs. East Carolina: 18:20 Pinstripe Bowl: Clemson vs. Penn State: 18:45 Fenway Bowl: UConn vs. Army: 19:30 Pop-Tarts Bowl: BYU vs. Georgia Tech: 20:05 Arizona Bowl: Fresno State vs. Miami (Ohio): 21:20 New Mexico Bowl: San Diego State vs. North Texas: 22:10 Gator Bowl: Missouri vs. Virginia: 23:45 Texas Bowl: Houston vs. LSU: 24:50 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

Our mission is to foster personal and cultural transformation through Love, Creativity, and Justice. We are a diverse community that seeks to live our faith in an authentic way, we long for the undiluted gospel, and for the world to see and know how good God really is. Listen Here:  Spotify: https://expression58.org/spotify Apple Podcasts: https://expression58.org/apple Follow us: Website: https://www.expression58.org Facebook: https://www.facebook.com/expression58/ Instagram: https://www.instagram.com/expression58/ YouTube: https://www.youtube.com/user/Expression58media   

Jimmy Ott and Paul Stone break down the best bets for December 23-26 college football bowl games. You'll hear predictions for Toledo vs Louisville, Cal vs Hawaii, Central Michigan vs Northwestern, Minnesota vs New Mexico, UTSA (Texas San Antonio) vs Florida International (FIU). 00:00 Toledo vs Louisville 05:05 Cal vs Hawaii 09:30 Central Michigan vs Northwestern 12:45 New Mexico vs Minnesota 16:40 Florida International vs UTSA

The final Powers Point After Dark before Christmas delivers one last late-night ride into the shadows, mixing dark atmosphere, sharp humor, and unfiltered conversation. Brooding tracks like Signal in the Dark and Low Signal set the mood as Scott's monologue and extended talks with Keith warm things up and let the After Dark energy loose. The night features Blunt Talk, Beyond the A-Side, and the return of fan-favorite Ask A Cat From Toledo with Scott, Keith, and 2300, sprinkled with twisted holiday commercials that keep the season slightly unhinged. The show fades out with After the Static Fades, closing the book on After Dark for the holidays and sending listeners into Christmas with a little static, a little smoke, and one last late-night memory.

SHOW 12-18-25 THE SHOW BEGINS IN DOUBTS ABOUT THE POTUS AT YEAR'S END... 1951 BALD EAGLE ALASKA CRUNCH EU SUMMIT DISCUSSES USING FROZEN RUSSIAN ASSETS FOR UKRAINE Colleague Anatol Lieven. The European Union is internally divided over seizing frozen Russian assets to fund Ukraine's war effort and reconstruction, a move requiring rule changes that some members resist. While the US proposes using these funds for post-war rebuilding, current plans risk spending the capital on immediate warfare, potentially undermining international financial trust. NUMBER 1 NATO AND EU SEEK DEFENSE FUNDS AMID FEARS OF RUSSIAN AGGRESSION Colleague Anatol Lieven. European nations like Finland are demanding funds to counter perceived Russian threats, despite a lack of historical aggression toward them. Lieven argues that plans to spend billions on tanks are misguided, as the Ukraine war demonstrates that expensive armor is easily destroyed by cheaper drones and defensive lines. NUMBER 2 CALIFORNIA JOB LOSSES AND CHINA'S ECONOMIC SLOWDOWN AMID RETAIL SEASON Colleague Chris Riegel. California's new wage mandates have triggered significant job losses in the fast-food sector, forcing operators to move to lower-tax states. Internationally, while China boasts of leads in AI and EVs, these sectors rely on unsustainable subsidies, masking a deep consumer recession and deflation in the property market. NUMBER 3 SPAIN'S GOVERNMENT MAINTAINS TIES WITH VENEZUELA DESPITE OPPOSITION Colleague Mary Anastasia O'Grady. The Spanish government under Pedro Sanchez maintains ideological and economic alliances with the Maduro regime, prioritizing political agendas over democratic ideals. Opposition figure Cayetana Alvarez de Toledo accuses former Prime Minister Zapatero of acting as an international agent for Maduro, facilitating the dictatorship's survival despite mass migration. NUMBER 4 CHINA'S SURREPTITIOUS SUPPORT KEEPS THE MADURO REGIME AFLOAT Colleague Professor Evan Ellis. China sustains the Maduro regime through loans, surveillance technology, and military equipment while bypassing sanctions to import Venezuelan oil. The state oil company, PDVSA, collapsed due to the purging of technical experts and lack of investment, forcing Venezuela to rely on Iranian engineers to maintain minimal production. NUMBER 5 VENEZUELA'S TRAGIC DECLINE FROM PROSPERITY TO AUTHORITARIANISM Colleague Professor Evan Ellis. Historical imagery reveals Venezuela's transformation from a prosperous, modern nation in the 1950s to a ruined state today. Deep inequality and corruption in the pre-Chavez era alienated the poor, allowing Hugo Chavez to capitalize on their frustration and dismantle the free market system, leading to the current crisis. NUMBER 6 ELECTIONS IN CHILE, PERU, AND HONDURAS SIGNAL REGIONAL SHIFTS Colleague Professor Evan Ellis. In Chile, José Antonio Kast's rise reflects a rejection of progressive policies and crime, favoring order and investment. Meanwhile, Peru faces political fragmentation and violence, Honduras struggles with electoral disputes, and Costa Rica appears poised to elect a pro-US candidate who aims to limit Chinese influence. NUMBER 7 ARGENTINA'S CREDIT RATING RISES AS BRAZIL FACES POLITICAL POLARIZATION Colleague Professor Evan Ellis. S&P upgraded Argentina's credit rating following Javier Milei's austerity measures, which have stabilized the currency and reduced inflation despite social costs. In Brazil, the reduction of Jair Bolsonaro's prison sentence and his son Flavio's candidacy signal a continued, polarized struggle against Lula da Silva's agenda for the 2026 election. NUMBER 8 ROMAN KINGSHIP: FROM CITIZEN SELECTION TO THE IDEAL OF SERVICE Colleague Professor Edward J. Watts. Early Roman kings were selected by citizens based on merit rather than heredity, but figures like Servius Tullius began bypassing this consent. Conversely, Cincinnatus exemplifies the Roman ideal of service; he accepted absolute dictatorial power to save the state during a crisis, then immediately resigned to return to his farm. NUMBER 9 APPIUS CLAUDIUS CAECUS: INFRASTRUCTURE AND POLITICAL GENIUS Colleague Professor Edward J. Watts. Appius Claudius Caecus transformed the Roman censorship office into a power base by building the Appian Way and appointing wealthy Italians to the Senate. As a blind elder statesman, he shamed the Senate into rejecting peace with Pyrrhus, insisting Rome must fight to maintain its dominance and ancestral legacy. NUMBER 10 ROME VS. CARTHAGE: DESTINY, TRAGEDY, AND THE CONSENSUS FOR WAR Colleague Professor Edward J. Watts. The conflict between Rome and Carthage is symbolized by the tragedy of Dido, representing the incompatibility of their powers. Despite Hannibal's devastating victories, the Roman Republic prevailed through a political system that prioritized consensus and collective sacrifice, allowing them to endure immense losses without surrendering. NUMBER 11 THE GRACCHI BROTHERS AND THE RISE OF POLITICAL VIOLENCE IN ROME Colleague Professor Edward J. Watts. The Gracchi brothers introduced political violence to Rome, with Tiberius using populism to revive his career and Gaius acting as a true believer in reform. Their assassinations by the Senate marked a departure from peaceful republican norms, as the elite used violence to protect entrenched economic inequality. NUMBER 12 DISCOVERY OF GIANT RADIO GALAXIES AND SUPERMASSIVE BLACK HOLES Colleague Dr. Sabayashi Pal. Astronomers have discovered 53 giant radio galaxies, some 75 times larger than the Milky Way, powered by active supermassive black holes emitting radio jets. These ancient objects offer insights into galactic evolution, contrasting sharply with the Milky Way's smaller, dormant black hole that allows life to exist safely. NUMBER 13 INVESTING IN HUMAN INTELLECT OVER ARTIFICIAL INTELLIGENCE Colleague Dr. Sabayashi Pal. Given an unlimited budget, Dr. Pal would prioritize human resource development over new telescopes, proposing a space study institute in Africa to train experts. He argues that while AI is a useful tool, education is essential for humans to interpret data and appreciate the machinery rather than being replaced by it. NUMBER 14 EUROPE SCROUNGES FOR FUNDS AMID RUSSIAN ASSET DISPUTES Colleague Michael Bernstam. The UK threatens to seize proceeds from the sale of Chelsea FC for Ukraine aid, while the EU struggles to finance a $135 billion shortfall for Kyiv. European leaders propose leveraging frozen Russian assets for loans, but financial markets remain skeptical of the EU's ability to guarantee such debt. NUMBER 15 CONGRESSIONAL SPENDING AND THE REVERSE MIDAS TOUCH Colleagues Dave Hebert and Peter Earle. Hebert and Earle argue that Congressional spending exacerbates problems in education and healthcare by subsidizing demand while restricting supply through regulations. They contend politicians prefer "showy" supply-side interventions, like drug busts, over effective policies because the politics of appearing effective outweigh the economics of actual affordability. NUMBER 16

SPAIN'S GOVERNMENT MAINTAINS TIES WITH VENEZUELA DESPITE OPPOSITION Colleague Mary Anastasia O'Grady. The Spanish government under Pedro Sanchez maintains ideological and economic alliances with the Maduro regime, prioritizing political agendas over democratic ideals. Opposition figure Cayetana Alvarez de Toledo accuses former Prime Minister Zapatero of acting as an international agent for Maduro, facilitating the dictatorship's survival despite mass migration. NUMBER 4 1900

12-18-25 - BR - MIX - Fun Facts On Spam And Toledo's Love Of It - Noah's Ark Possibly Found - Dec/Jan2024 - BOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This Teisho was given by the Rev. Do'on Roshi at the Buddhist Temple of Toledo on July 09, 2025. In this talk Do'on Roshi continues the discussion of the 6th case from the Blue Cliff Record known as Yun Men's Every Day Is a Good Day.   If you would like to learn more about the Buddhist Temple of Toledo or to make a donation in support of this podcast please visit buddhisttempleoftoledo.org.   Part of Rev. Do'on Roshi's Teisho on the Blue Cliff Record series.

For this special episode, we ponder three Canon pitches from listeners like you. Did we give The West Wing's "Evidence Of Things Not Seen" a standing ovation like a trip of eggs on the vernal equinox? Were we forced to tell Would I Lie To You?'s S06.E06 some hard truths? Will we all soon be putting out our shoes to receive blueberry muffins thanks to A.P. Bio's "Katie Holmes Day"? Listen to find out. TOPICS The Canon: