Podcasts about Toledo

Listen to the highlights from Omaha's 7-3 win over the Buffalo Bisons at Sahlen Field on July 18, 2025.

Christine Riccio & Natasha Polis talk all things nerdy in the book, tv, movie, pop culture, fandoms, and how they integrate into their adult lives. Today's their annual Ask Me Anything episode! Thank you all for sending in such fantastic insightful questions yall! Plus they discuss the bear season 4, the Emmy nominations, Superman, and more! Main discussion starts at: 32:30 Today in Fangirl Tea Time: Join Christine and Natasha for more stories about their recent life escapades. Support the pod by joining the Forking Fangirls Patreon community: http://patreon.com/thoseforkingfangirls  fangirl teatime starts at: 1:58:05 Follow the visual show on our Youtube: http://youtube.com/@thoseforkingfangirls   Preorder Christine's new book THIRTY, FLIRTY, & FOREVER ALONE: https://www.amazon.com/dp/1662532156 Add Thirty Flirty & Forever Alone on Goodreads: https://www.goodreads.com/book/show/230393104-thirty-flirty-and-forever-alone Check out Natasha's sewing classes: https://www.natashapolis.com/ Join our patron to get 10 dollars off the classes! Come to Romance Con in Milwaukee Wisconsin: September 5-6, 2025! Use code FANGIRL to get 15% off your tickets: https://www.romance-con.com/ Come to Romance Con in Toledo, Ohio! November 8, 2025 toledolibrary.org/romance-con Get Christine's novel Attached at the Hip: https://a.co/d/grmPeVy  Check out the Selkie Collection and get 10% off your order with code TASHAPOLIS https://selkiecollection.com/collections/all Website: https://thoseforkingfangirls.com/  Email us feedback: thoseforkingfangirls@gmail.com  Instagram: https://www.instagram.com/thoseforkingfangirls/ Twitter: https://twitter.com/forkfangirlspod  TikTok: https://www.tiktok.com/@thoseforkingfangirls

This Teisho was given by the Reverend Karen Do'on Weik Roshi at the Buddhist Temple of Toledo on May 22, 2024. In this talk Do'on Roshi discusses the 45th case from the Mumonkan (aka The Gateless Gate) known as ‘Who is That One?'   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 Reverand Do'on's Teisho on the Mumonkan series.

Toledo's preeminent historian, Tedd Long, returns to talk about his new book, Table For None: Lost Eateries of Toledo. Seeing menu prices from LONG ago makes the whole book worth it! Before that... Another helpful use for Chat GPT. A good friend helped me, let her help you. Goodbye Salute. Luxury puzzles? No thank you. The crime, yes crime, of killing tarantulas. See omnystudio.com/listener for privacy information.

After her mom passed away, seven-year old Ginny Boggess found solace in shooting baskets in her backyard. Basketball helped Ginny navigate a traumatic personal loss and created a pathway to life-shaping opportunities. She parlayed a successful playing career on the hardwood at Wingate University into the field of coaching. For 22 years she has used the platform of coaching to develop players on and off the court. Goal-oriented and high-energy, Ginny's leadership approach is grounded in work ethic, gratitude, and faith. Host/Executive Producer; Brad Rieger, Audio Engineer/Production Coordinator; Kerry Schwable, Social Coordinator; Tim McCarthy, Graphic Designers: Stephen Shankster/Jeremy Thomas. Content made possible by Cooper-Smith Advertising LLC 2023

Além dos descontos indevidos feitos pelo INSS, já investigados pela Polícia Federal, aposentados arcam com cobranças irregulares no banco, na forma de débito automático. São pagamentos de seguros e clubes de benefício, não reconhecidos pelas vítimas. Nesta edição do podcast UOL Prime, o apresentador José Roberto de Toledo e a repórter Amanda Rossi falam sobre o novo esquema de golpes aplicados em contas de aposentados e pensionistas do INSS por meio de brechas no débito automático. #uolprime⁠⁠⁠⁠⁠⁠ #PodcastUOLPrime⁠⁠

Look what the cat dragged in! The boys are back to start their 2025 College Football Preview Series! Today we focus on the Group of 5 and the top teams therein. We got Boise. We got San Jose State. We got Toledo. We got about half of the AAC. Come on in, the water's fine!

en el que pocas capitales se van a librar de no llegar a los 30 grados. Hay unos cuantos privilegiados en Santander, ahí no van a pasar de los 25 en Oviedo. la máxima va a ser de 28, pero en el resto pues la previsión no invita a hacer muchos planes al aire libre a partir de ciertas horas, si no es para ir a la piscina o a la playa. ¿Dónde van a rebasar hoy los 40? A la cabeza del calor se coloca Córdoba con 42, 41 van a alcanzar en Badajoz, Ciudad Real, Toledo y Granada, 39 en Madrid, así que prácticamente un calco a lo de ayer. Hemos dicho que hoy es 17 de julio. Hay fechas que todos ...

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! Acceso anticipado para Fans - *** VIDEO EN NUESTRO CANAL DE YOUTUBE **** https://youtube.com/live/Iz3WPojAM-o +++++ Hazte con nuestras camisetas en https://www.bhmshop.app +++++ #historia #HistoriaMilitar Desde los primeros guerreros de la Monarquía romana hasta los soldados que defendieron las últimas fronteras del Imperio, el legionario romano evolucionó constantemente, adaptando su armamento, armadura y tácticas a los desafíos de cada época. Con la ayuda de José Sánchez Toledo, autor de "Imperium Legionis" ** https://amzn.to/433DWff ** y David Soria Molina "Trajano y su tiempo" ** https://amzn.to/3D2vaDl ** , miembros de la Asociación de Recreación LEGIO VII CLAUDIA PIA FIDELIS conoceremos en este episodio: ️ Las primeras armas y protecciones de los soldados romanos primitivos. ⚔️ La transición de la falange hoplítica a la legendaria legión manipular. Las innovaciones en la República y la llegada de la lorica segmentata. El equipo de los legionarios imperiales y su influencia en los ejércitos enemigos. La decadencia del equipo militar en los siglos finales del Imperio. Descubre cómo el hierro, el cuero y la sangre de innumerables batallas forjaron al legionario romano, el soldado que conquistó el mundo. #Roma #HistoriaMilitar #Legionario #ImperioRomano #Antigüedad #EjércitoRomano #Guerras #Bellumartis ----------------------------------------------------------------------------------------- COMPRA EN AMAZON CON EL ENLACE DE BHM Y AYUDANOS ************** https://amzn.to/3ZXUGQl ************* Si queréis apoyar a Bellumartis Historia Militar e invitarnos a un café o u una cerveza virtual por nuestro trabajo, podéis visitar nuestro PATREON https://www.patreon.com/bellumartis o en PAYPALhttps://www.paypal.me/bellumartis o en BIZUM 656/778/825 Escucha este episodio completo y accede a todo el contenido exclusivo de BELLUMARTIS PODCAST. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/618669

Reouça ao comentário de #EconomiaJG, com Denise Campos de Toledo. #JornalDaGazeta

Reouça a #EntrevistaJG de Denise Campos de Toledo com Thiago Auricchio, Deputado Estadual, PL, sobre permissão de arma de eletrochoque por mulheres.

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

This is episode 774. Read the complete transcription on the Sales Game Changers Podcast website here. This is a special episode of the "Office Hours - Sales Professors Unplugged Podcast." The show feature interviews with sales professors at universities with a sales excellence programs. Many of the universities are members of the University Sales Center Alliance. Watch the interview on YouTube here. The Sales Game Changers Podcast was recognized by YesWare as the top sales podcast. Read the announcement here. FeedSpot named the Sales Game Changers Podcast at a top 20 Sales Podcast and top 8 Sales Leadership Podcast! Subscribe to the Sales Game Changers Podcast now on Apple Podcasts! Purchase Fred Diamond's best-sellers Love, Hope, Lyme: What Family Members, Partners, and Friends Who Love a Chronic Lyme Survivor Need to Know and Insights for Sales Game Changers now! Today's show is a special "Office Hours - Sales Professors Unplugged" episode featuring Deirdre Jones Director of the University of Toledo, Edward H. Schmidt School of Professional Sales. Find Deirdre on LinkedIn.  DEIRDRE'S ' TIP: “We create a safe environment where students can fail fast, learn, and get back up stronger. We teach our students to sell with confidence, courage, and compassion."

Beth Lipman is an American artist whose sculptural practice generates from the Still Life genre, symbolically representing the splendor and excess of the Anthropocene and the stratigraphic layer humanity will leave on earth. Assemblages of inanimate objects and domestic interiors, inspired by private spaces and public collections, propose portraits of individuals, institutions, and societies.  Through works in glass, wood, metal, photography, and video, Lipman presents a meditation on our relationship to Deep Time, a monumental time scale based on geologic events that minimizes human lives. Each installation is a reimagining of history, created by placing cycles often separated by millenia in proximity, from the ancient botanical to the cultural. The incorporation of prehistoric flora alludes to the impermanence of the present and the persistence of life. The ephemera of the Anthropocene becomes a symbol of fragility as the human species is placed on a continuum where time eradicates hierarchy. Lipman has exhibited her work internationally at such institutions as the Ringling Museum of Art (FL), ICA/MECA (ME), RISD Museum (RI), Milwaukee Art Museum (WI), Gustavsbergs Konsthall(Sweden) and the Renwick Gallery of the Smithsonian American Art Museum (DC). Her work has been acquired by numerous museums including the North Carolina Museum of Art, Brooklyn Museum of Art (NY), Kemper Museum for Contemporary Art (MO), Smithsonian American Art Museum (DC), Jewish Museum (NY), Norton Museum of Art, (FL), and the Corning Museum of Glass (NY).  Lipman has received numerous awards including a USA Berman Bloch Fellowship, Pollock Krasner Grant, Virginia Groot Foundation Grant, and a Louis Comfort Tiffany Foundation Grant. She has been an Artist in Residence at the Alturas Foundation, the John Michael Kohler Arts Center's Arts/Industry Program, and the Smithsonian Artist Research Fellowship. Recent works include Living History, a large-scale site-specific commission for the Wichita Art Museum (KS) that investigates the nature of time and place and Belonging(s), a sculptural response to the life of Abigail Levy Franks for the Crystal Bridges Museum of American Art (AR). Lipman's work is on view now in three independent installations including: Hive Mind at Iowa State University, Ames, Iowa; ReGift at the Toledo Museum of Art (TMA), Toledo, Ohio; and the permanent installation One's-Self I Sing at theMuskegon Museum of Art (MMA), Muskegon, Michigan. To celebrate the official unveiling of One's-Self I Sing, the MMA is hosting an Artist Talk and Unveiling Reception this Thursday, July 17 at 7 p.m. The event is open to the public and free to attend. Find out more at www.muskegonartmuseum.org Suspended in the museum's central atrium, the sculpture explores the interconnectedness of time, culture, and nature through materials such as glass, wood, metal and gypsum. Measuring approximately 240 x 120 x 60 inches, One's-Self I Sing functions as an “exploded” still life – an expansive, suspended constellation of objects that invites viewers to reflect on humanity's place within Deep Time and the Anthropocene. Says Lipman: “The marriage of transparent and opaque forms alludes to what is seen and known juxtaposed with what is concealed and lost over time.” The sculpture spans both floors of the museum, encouraging viewers to encounter it from multiple vantage points. Braided suspension cables carry the piece vertically through space, suggesting both ascent and descent, growth and entropy. Lipman incorporates subtle visual references to the Muskegon Museum of Art's permanent collection, binding the sculpture to the museum's history while extending its meaning outward across time. “One's Self I Sing is a showstopping first impression when visitors walk into the museum,” says Kirk Hallman, Executive Director of the Muskegon Museum of Art. “It's a powerful and visually stunning complement to the museum's new Bennett Schmidt Pavilion and a bold reflection of the MMA's ongoing commitment to celebrating women artists.” Enjoy this conversation with Lipman about current installations, artistic motivations and the behind the scenes challenges of creating site-specific work that communicates to viewers.    

Apoie o UP no Orelo: ⁠⁠⁠⁠⁠⁠clique aqui!⁠⁠⁠Surpreendendo o mundo, Clair Obscur: Expedition 33 se tornou o centro das conversas, quando o assunto é videogame. Muito bem avaliado pela crítica e extremamente bem recebido pelos jogadores, o RPG da Sandfall Interactive é, no mínimo, um dos melhores jogos do ano. Neste episódio, Dan Schettini, Cardoso e Marcellus Vinícius cruzam os limites de Lumiére e compartilham suas impressões sobre o grande candidato ao GOTY de 2025.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

Federal judge rules Trump administration cannot revoke temporary protected status early for thousands of Haitian immigrants in Springfield; there's new evidence in the case of a Cleveland-area doctor accused of threatening a northeast Ohio Congressman; a stop work order has been issued for a controversial mining project in Toledo; the remains of an Ohio soldier who died during WWII have been identified.

Reouça a #EntrevistaJG de Denise Campos de Toledo com Mello Araújo (PL), vice-prefeito de SP, sobre gestão da cidade, segurança e eleições.

Reouça ao comentário de #EconomiaJG, com Denise Campos de Toledo. #JornalDaGazeta

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

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

What happens when a seasoned rock climber rappels into the heart of Tennessee's mountain wilderness — and comes face to face with not one, but two Sasquatch?In this chilling and unforgettable episode of Bigfoot Society, Jeremiah Byron shares the story of "Project Broken Man," a Tennessee native whose solo climb turned into a life-altering encounter. Hanging 90 feet above ground, he comes eye-to-eye with a massive, amber-eyed creature — and witnesses something few ever have: a juvenile Bigfoot swinging on his rope. That's just one of the jaw-dropping stories in this episode, which also features nighttime encounters in Oklahoma City, a Sasquatch grabbing a goose in broad daylight at a Washington truck stop, and a train engineer who kept his Massachusetts sighting secret for over 20 years.You'll hear stories from Lake Wales, Teleco Plains, Clark Forest, the Berkshires, and beyond — places where the shadows move, and sometimes... watch back.Whether you're a longtime believer or a curious skeptic, this episode delivers raw, emotional accounts of encounters with the unknown. More than just stories — this is the sound of people grappling with what they saw and the truths they carry.

Send a question for the boys to answer on the next podcast!Our annual season football prediction is here! The boys are back in the 419 man cave to share our predictions for the 2025 Toledo Rockets football season! This episode, we breakdown returning starters and facts for each opponent. Will Toledo make the MAC championship? Tune in to find out!Like and subscribe to MBG on X and Youtube! Share your predictions with us using our fan mail link or comment/message @MBGLaunchpad. We want to hear what the fans think! TOL!!4:50 - Toledo Home Schedule 6:30 - Toledo at Kentucky15:40 - Toledo vs WKU19:25 -  Toledo vs Morgan State22:41 - Toledo at Western Michigan26:17 - Toledo vs Akron27:52 - Toledo at Bowling Green33:18 - Toledo vs Kent State36:28 - Toledo at Washington State41:48 - Toledo vs Northern Illinois46:02 - Toledo at Miami OH53:08 - Toledo vs Ball State56:56 - Toledo at Central Michigan1:02:37 - MAC Championship Prediction

Researchers with the University of Toledo say carbonized corncobs can help clean drinking water contaminated from harmful algal blooms.

In this episode, I wanted to share some feedback from another Mastermind group I've met with in 2024-25. These leaders include: Julieta R. Flowers – Principal, Discovery Community School, Toledo, OH Kelly Brodzenski – Principal, Beacon Academy, Canton, OH Laura Krulik – Assistant Superintendent & Title II/Civil Rights Coordinator, Utica Shale Academy (Southern Local Schools), […] The post MONDAY MATTERS BONUS with Ohio Academy Grads Mastermind appeared first on Principal Matters.

Does Meadows need some Toledo love?

Tigers trade talk, Meadows to Toledo, Ask Max Clark anything.

Muy buenos días, lunes, lunes, lunes, qué alegría saludarles en este 14 de julio, aquí Antonio y el resto del equipo de Herrera en Cope. Empezando la semana de forma estable, al menos en el tiempo, hemos despedido ya la Dana que tantos problemas ha dejado en puntos de Aragón, de Cataluña y también de La Rioja. Y el día se presenta así con estabilidad, salvo en el área cantábrica, donde un frente va a dejar lluvias débiles y dispersas y luego las máximas, que son las habituales en estas fechas, 39 en Córdoba y Granada, 38 en Jaén y Ciudad Real, 37 en Toledo, vamos, dentro de lo habitual. Iba a ...

Episode: 1406 The end of the medieval age of reason.  Today, a brief bright era in medieval Europe.

Listen to the highlights from Omaha's 7-6 loss to the Toledo Mud Hens at Werner Park on July 12, 2025.

Listen to the highlights from Omaha's 1-0 loss to the Toledo Mud Hens at Werner Park on July 11, 2025.

Join us as we dive into the world of vintage fire trucks and iconic Jeeps at **Toledo Jeep Fest 2025**!

Listen to the highlights from Omaha's 3-2 loss to the Toledo Mud Hens at Werner Park on July 10, 2025.

Summer Stock is making a vibrant return to Toledo, and we're here for it. In this episode, we talk with Max, Sophie, and Casey about their upcoming production of The Last Five Years and why this moment marks more than just another show, it's the exciting rebirth of Summer Stock theatre in the city.We dive into what drew them to this powerful two-person musical, what audiences can expect, and how this production is helping reignite a long-standing theatrical tradition in Toledo.Show Dates:July 31 – August 2 @ 7:30 PMAugust 3 @ 2:30 PMUniversity of Toledo's Studio TheaterReserve your tickets at summerstockTL5Y@gmail.com or grab them at the door. Let's celebrate the return of Summer Stock together

In this episode of The IC-DISC Show, I delve into the journey of Kripke Enterprises from its humble beginnings to its current status as a leader in the scrap metal and recycling industry. Founded by a husband-and-wife team in 1993, the company has grown significantly with the involvement of their son, Matt. They discuss the strategic moves that helped propel their business forward, including key acquisitions like Mid-South Aluminum and a strong focus on aluminum trading. Matt and Scott highlight the importance of relationship building and trust in the scrap metal industry. They share insights into how their reputation and values, like keeping promises and problem-solving, have been instrumental in their success. The episode delves into the symbiotic relationships they have fostered with aluminum suppliers, emphasizing the value of maintaining strong personal connections in business dealings. We also hear about the transformative leadership styles within Kripke Enterprises. The discussion covers how innovative thinking and diverse perspectives, including contributions from those outside the traditional industry, have reshaped the company's culture. Matt and Scott talk about the balance between a hands-off leadership approach and active collaboration with executives to navigate industry changes. Finally, the episode touches on the future of the recycling industry, highlighting the role of technology and innovation. The Kripke team shares stories of employee growth and empowerment, including unique programs aimed at helping employees become homeowners. They reflect on the potential of a younger workforce and the exciting developments in material sorting and AI within the aluminum sector.     SHOW HIGHLIGHTS In this episode, I delve into the inspiring transformation of Kripke Enterprises from a small family venture into a major player in the scrap metal and recycling industry, led by brothers Matt and Scott. I explore the strategic acquisition of Mid-South Aluminum and discuss how building trust and maintaining strong relationships have been key to Kripke's success, emphasizing the unique dynamics of their coil distribution business. We discuss the innovative leadership styles within the company and how they've transformed company culture, with insights into how diverse perspectives, especially from non-traditional industry backgrounds, contribute to their growth. There's a focus on employee empowerment and personal growth stories, such as Eric Phillips' rise from warehouse manager to COO, highlighting Kripke's commitment to fostering leadership and financial education for employees. I cover the positive outcomes from switching to a specialized service provider, which resulted in improved efficiency, response times, and significant tax savings, underscoring the value of expertise in business operations. Advice is shared for younger generations entering the workforce, emphasizing the benefits of starting a career in smaller companies for broader exposure and discussing the impact of technology, especially AI, on the industry. The episode wraps up with a reflection on the excitement surrounding JJ Spahn's US Open victory and the anticipation of future events, providing a light-hearted end to a comprehensive exploration of Kripke Enterprises' journey.   Contact Details LinkedIn - Matthew Kripke (https://www.linkedin.com/in/matthew-kripke-b225969/) LinkedIn - Scott Chaffee (https://www.linkedin.com/in/scott-chaffee-63429bb/) LINKSShow Notes Be a Guest About IC-DISC Alliance About Kripke Enterprises Inc GUEST Matthew KripkeAbout Matthew Scott ChaffeeAbout Scott TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good afternoon, scott and Matt. How are you? Matt: Fantastic. How are you doing? Dave: I am doing great. I get to talk to one of my favorite scrap metal company representatives, so it's always a good day for me. So let's get started. Where are you guys calling in from today? Matt: We are at Crypto Enterprises headquarters in Toledo, Ohio. Dave: Okay, and I believe that's made famous by the Mudhens right. Isn't that Toledo's claim to fame? Matt: That is correct, the Mudhens which Jamie Farr in MASH used to wax poetic about. Dave: Yeah, his character was Slinger, I believe. Matt: Yeah, you're showing all of our age that. That's how we're starting this interview. We're referencing a show from the 1970s and early 80s, agreed, agreed. Dave: Well, hey, matt, why don't you give us some background? What's the history of kripke, what year was it founded, who founded it and kind of how we got to today? Matt: sure, so kripke enterprises was started on january 4th 1993, which that date is important because that was my mom, or is my mom's birthday. Next year, on January 4th, it will be the 30, let's see 33rd anniversary of Kripke Enterprises and at the same time my mom will be turning 80 years old that day. She'll be thrilled that I shouted out her age in the beginning of this podcast. But the company was founded by my mom and dad. They started out with the two of them and one administrative assistant and the goal was to create a non-Ferris brokerage company where my dad could just put food on the table for him and my mom. They had their third kid at the time in college. Two of their kids had already graduated college and really not very grandiose ambitions. It was just going to be a small little trading company to capitalize on what my dad's career had been, which had been in the scrap metal. I know we call it the recycling industry today, but back then we did not. We called it the scrap metal company Sure, but back then we did not. We called it the scrap metal company Sure Industry and that was their goal and plan. I don't think that really in his mind he was ever going to grow it beyond those three people and I joined them in October of 1994. So the company was a year and a half old at the time. I had no intention of ever joining the company but my my dad got very ill and I came in and kind of kept the company going while he was spending 60 days in and out of the hospital and, um, at the end of 60 days we agreed to find a position for me and then he said to me point blank he said I really don't want to grow this company, but if you ever decide you want to grow it, I'll support you. It's just you have to do it. And okay, that was kind of the beginning and it took a while for me to get the confidence to begin to grow the company. But that process started from me being the fourth employee and today we're just under 70 employees and locations in Toledo, Jackson, Tennessee. We have a trading office in Florida and then we have a few people that work remote in different cities around and what's your commodity focus? Our specialty is aluminum, but we do trade in most metals, but still 95% of our volume is aluminum. Maybe even Scott's going to correct me with the numbers, but maybe even 98 percent is aluminum okay, does that sound right, scott? Dave: yeah, actually 99 okay, that sounds, that sounds good, and so you've had quite a bit of growth. Matt: Yeah, I think you know I would attribute a lot of it to just finding good people and then ultimately getting out of the way. You know, as an example, scott, who's in this interview. He came in in 2011 with us and was instrumental in setting up systems so that we could scale our business, and you know, one of the things people take for granted is that you really need to. You really need good systems in place in order to scale. You really need good systems in place in order to scale. You can grow your business a little bit at a time if you're doing it with spreadsheets and duct tape and super glue and you're MacGyvering it together, but you really need a good CFO and you really need a good IT person in today's day and age as well. Scott: Yeah, and to piggyback off of that, I mean the infrastructure is so important, whether it's the IT infrastructure, the bank line of credit, I mean there's a number of different things and once that's in place, I mean it becomes fairly easy. And I would say that you know we've been able to do that several times now. You know we acquired Mid-South Aluminum in 2017. And the single biggest thing that we were able to help out there was the infrastructure, the line of credit, the system, the line of credit, the system. We were able to, you know, bring them onto our system, and you know it took a company and we were able to increase that at quite a multiple so the hopline sales number when we acquired Mid-South in 17 was about what Scott? Call it about 30 million, and we were able to take it after we joined forces. We were able to take it all the way up to like about 150 million. Dave: Wow, in a short period of time. That is amazing. And so, Scott, how did you end up here? Did you grow up with a lifelong desire to be in the scrap metal business? Matt: He did Next question. Scott: No, go ahead, Scott. You know I can still remember the day. Yeah, so I've been here since 2011. You know, I tell people all the time it was the best move I've ever made, Including marrying his wife. Well, yeah, I'd worked for three large corporations, three international corporations, and even did a lot of international travel. For, and you know it, I can remember I had a mutual friend with Matt and Larry and I can still to this day remember going out to breakfast with them and at the restaurant here in Toledo, and from there I knew, you know, it was a good feeling. You could just, you could tell, I mean, it's got a, we got a great culture here that comes from there. I knew, you know it was a good feeling. You could just, you could tell, I mean, it's got a, we got a great culture here that comes from the top and makes all the difference in the world. Sure, yeah, Sure. Dave: So tell me more about this Mid-South acquisition. What was it about it? Acquisition, what was it about it? Because you know, so many times you do acquisitions, mergers, and you have these grand plans of all the synergies and growth and everything, and oftentimes it doesn't come to fruition, but it sounds like it did in your case. Matt: What would? Scott: you say, made that transaction so successful. What do you think, scott? Well, I, you know, I, I think I think there was a lot for both of us to benefit from. You know it was. The company was basically run on Excel spreadsheets at the time and you know we we had, we had access to a large line of credit with the banks, and so we were able to, you know, tap into that. We had the infrastructure, we brought them onto our system. I think that was probably the relationship that we'd had, or I should say the relationship that Larry and Matt had with the Salih family, and that went back many, many years. I don't know Matt how far back? 20 years before that yeah. Matt: Yeah, I think that's where it really started. So I think Scott tapped on what made it work from a logistics point of view logistical point of view. But that relationship piece is, you know, when you get into a negotiation, a lot of times they stall out because you start the conversation and people get a little freaked out about well, wait a minute. I'm just not sure that I want to do this because I don't know that I can fully trust you and we both had this longstanding trust of each other. We had been business partners for a long time. What made it really interesting to us was, you know, if you think about Mid-South Aluminum is a coil. It's an asset light coil distributor, which essentially means coil broker. But where I say coil distributor, our niche is we buy mill finish coil, bare coil, and we have relationships with various paint lines paint lines and we will get it painted to specific colors for our customers and then ship them. You know painted coil that would be used mainly in the bnc market, sometimes into producing signs, and sometimes mill finish that might go into like hurricane shutters or florida rooms or things like that. Where it's interesting for us is if you think about where coil is sourced from. Those are the same people that we're selling recyclable aluminum into. So we become customers of theirs, supplying them on the scrap side of the business. And then we're a customer of theirs on the other side of the business, buying coil from them. Oh wow, full circle. And so there's times in the cycle where they treat us really well because they really need us to supply them with scrap. And then there's times in the cycle where getting scraps easy but they really need us over here to help them out to take out quill. So interesting we've, because, you know, we kind of have a little bit more leverage, um, in those relationships. And that's become, you know, now, when we acquire mid-south, we, oh, this is going to be great, we're just going to do a ton of tolling. Well, that doesn't always work and, as a matter of fact, more often than not the tolling piece doesn't work. But when it does, it's great, for you know, two different parties. Now that's great. Dave: And this is one of the reasons that. Now, that's great and this is one of the reasons that you know I picked up. You probably know my very first scrap metal client, Arnie Gashman. You probably know Arnie. Everybody knows Arnie, Right. I think he was in college, at TCU, when his father or grandfather became ill. It may have been his grandfather, Maybe his father wasn't very interested in the business, and then I believe his grandfather passed somewhat suddenly. So Arnie was kind of thrust in to take him the place over at like 22 years old. So yeah, and same thing, he stuck around. But one of the things I love about the industry and I've I tried telling friends who aren't in the industry that I said I've never seen an industry where your reputation matters more than in this industry. And I said and I tell them, I said I believe my clients will buy and sell a million dollars of scrap metal on a phone call, like no formal contracts. I mean there may or may not even be an email, that that that documents it. But I said, can you, can you believe that they do transactions just on a handshake? And it's one of the things that I find just great about the industry. Matt: That is a hundred percent true. You know, I would say you know we have three core values that we run our business and we run our business on them, and everyone in our organization can recite them, and they also know that every decision they make needs to be filtered through these three things okay, one is. One is we do what we say, which you're referring to. You know your reputation. That's how you build your reputation by following through on what you say. Two is we provide solutions. And you know where we try to differentiate ourselves is people are used to at least in the recycling side of the business. They're used to rejections and downgrades. I mean, things go wrong and my dad's big thing was always don't call up a customer and say, hey, you got a rejection down in Kentucky, because that's what everyone else does. He said let's differentiate ourselves. Instead of saying that, let's call them up and say, hey, we have an issue, a little bit different verbiage, but before you call them already have worked out two to potentially three solutions of this, and they'll keep it. Two is we ran the freight to bring it up to our warehouse in Toledo is blank and we'll go through and clean it for you and evaluate the load. And a third option is we found this other place that is willing to buy it. If you go that direction. We're still going to owe this metal on the original contract, but this gives you an opportunity to. You know, get out of this loop. And that's the second one. The third one is also what you're referring to. The third core value Relationships are the backbone of our business. Backbone of our business and I think, while unique when we discuss other industries, that is not unique in the scrap metal industry. You know that we will put relationships ahead of making money, that we will say to you know, our employees, employees hey, if you have an opportunity to cement a relationship, don't worry about whether you make money on that particular deal, it'll come back to us many times playing the long game, playing the long game well. Dave: And I just find life's more fun when you do business with people you know as a customer or supplier. It's just more fun when you do business with people you like and trust. And, just like my wife and I have a saying we don't do transactions, we only do relationships. And that even means because everybody wants like a customers, right, don't complain, pay your bills right Easy to work with. Like a customers right, don't complain, pay your bills right Easy to work with. But my wife and I's theories we aspire to be a customers for all of our vendors because we just find it's more fun when you have a problem and the vendor calls you back right away because you're one of their better customers. And it's just more fun when you're you have great working relationships with your vendors, rather than them feeling like you're going to beat them up on price every time you talk to them. Scott: Right, but that's another relationship, you know, it goes way back and there is a lot. I mean, it can't emphasize enough how important relationships are. You know, this weekend I listened to a couple of the podcasts that you've done and there was somebody else that mentioned the importance of the relationship, and it is. I mean, that is definitely the case in everything that we do, even with the banks, like, for example, you know, we go through periods where, okay, maybe we're carrying a little bit more inventory than what we typically carry, or maybe the price is a lot higher than what it was six months ago. It's great to know that we can pick up that phone and say, okay, we've got a temporary situation, maybe it doesn't quite work with our reporting, what can we do? And we'll start talking, talking through some, some options, and I think, because we have a relationship like that with our banks and and others, I mean it makes it makes business a lot easier to do too. And the other thing you touched on was, uh, you know the integrity that is so important and we do what we, you know. And that goes back to another one of our three core values that Matt mentioned is we do what we say. I can remember when I started years ago, larry always used to say, okay, pay on time, pay on time, pay on time. Because, that is a really important thing. It builds trust, it builds a relationship, adds to the integrity. I mean it is really important and you know it goes a long way. Matt: That's the other thing, that pay your bills on time. You know it's's. Yes, there's many industries where that is an issue. But when I have friends and in other industries and I'm like, oh yeah, we pay our bills on time, they look at me like why is that unique? You know, everyone pays their bills on time. Dave: I'm like not in our industry. Matt: I mean there's, you know there's, unfortunately, uh, you know the road is littered with um, a lot of people who give you the highest price and then make you chase them for, uh, that last dollar and, um, you know, that's one of the. You know, if you say, what is our secret sauce and why do people like to do business with us? One of those things is they never have to track our CFO down and say why am I not getting paid? I mean they, they can set their clock to when the payment comes. Dave: Sure, well, you talked about the relationships. I remember when I ran into you guys in San Diego last month, you know, I had a chance to introduce you to a professional who might be able to help you all in a way, and then I happened to sit down and have breakfast with you guys and you were, you all were kind enough to introduce me to some, some guys who I didn't know and some others who I hadn't talked to in a long time. So, uh, yeah, in fact I leave tomorrow to go to san antonio for the gulf coast regional event. Matt: Yeah, I do my guess is there'll be some people from our. I don't even know anymore who goes to which event, but my guess is we have some people who are going to that event. Dave: I would suspect. So I also suspect it'll be warm, so that's my other suspicion. So, Matt, I believe that a few years ago you kind of changed your role with the company. Is that correct? Matt: That is correct. So, in trying to think of the year that we named Chad the president, was that three years ago, so 22. So, so for a number. So let me backtrack a little bit further. In 2012, I worked out an agreement with my dad that was going to be a 10-year buyout of his and my mom's shares in the company. As part of that we agreed that I think right before then I took over as president of the company and my dad became the CEO of the company and he maintained that CEO role almost all the way through that buyout, even though I would say the last five years I would call him he was much more of like our lovable founder than he was really leading the company strategy anymore. Everyone would love when he would come back from Florida and come in the office and and spend time here. I took over the CEO role maybe in 2019 or 20 and was president CEO for a few years, and then we identified my cousin, chad Kripke, as president, or that we're developing him to become the president of the company. Chad is really really strong at risk management and a lot of the. I mean he was one of our rainmakers probably towards the end of his trading career, our largest rainmaker and would put together these monster deals and really good at building relationships. He, you know, I say to people all the time I felt like I was a really good president of a company for a long time, but Chad is 14 years younger than me and Chad is so much better than I ever was at that age I mean he's he's probably better than I was towards the end of when I was president, but he's still learning. He's still learning many things, but he's done a great job in really leading the day-to-day of the company. I'm still learning what it means to. You know, I've been really, really careful about not wanting to step on Scott's toes as CFO, not wanting to step on Andy Golding's toes as our chief strategy officer, eric Phillips as our COO and wanting to give Chad the freedom to lead. That I probably have erred too much on, you know, kind of a laissez faire attitude of you guys make all the decisions and some of them, actually, almost every single person has come back to me and said, hey, we see what you're trying to do. We'd like you to maybe stay involved a little bit more than you have been and we'd like you to voice your opinion a little bit more forcefully than you have been, and it's a tough mix to figure that out, so I'm still learning what that means to lead more on the longer-term strategy side and less on the day-to-day side. But it's really been fun and then, also in 2022, I told you January of 2023, these guys that I mentioned, they all came in and wrote a check to buy some equity in the company, and they are now my partners in the company, which has been fun as well, and you know it's. Dave: that's been a learning experience too, because my only partner prior to this was my dad, okay, oh, that's that is great, and, and I believe that andy is on track to be, uh you know, the chair of uh rima in a couple years right, or three years next year, next year, next year, yeah, okay yeah, so so next, next year, uh, andy's reign of terror begins and, yes, you, I think that it will be very exciting for the industry because Andy thinks differently. Matt: The reason that he's so valuable to us is, I think, very black and white. Yeah, chad is pretty creative, eric is very black and white, scott is very black and white, andy thinks in all these different technicolor ways, okay, and he is going to bring that to the entire REMA board and it will be uncomfortable. I can guarantee you this. The board will be uncomfortable for a couple of years because he will push the boundaries and will get them to think of hey, yes, I acknowledge we've done it this way forever, or we've done it this way for a long time. I just think this is a great idea over here and I'm going to challenge everyone and there's going to be a lot of people that are going to be very uncomfortable, but the industry is going to be better off for it and I can tell you our company is certainly better off because of how creative he is and the way that his mind works. Dave: Yeah, because what do you think about that? Matt: although Scott's the CFO, and I will tell you that sometimes those creative types are not the best at details. What do you think, scott? Scott: It's funny, andy and I have have like a long running joke that you know he always jokes. He'll say, well, I'm extremely detailed, I'm not, you know, we laughed about it. So, but, yeah, I, you know, I think, I think Andy's going to be great for rima. I think that, uh, you know he's gonna, he's gonna bring a lot to the organization and uh, uh, they'll probably be looking at a lot of things a whole lot differently when, uh, yeah that's into the chair position so, matt, you know, I I believe that that Andy does not have a traditional scrap metal background. Matt: What was it? Dave: about him that made you think kind of outside the box and bring in somebody from outside the industry. Matt: Well, in 2004, my dad and I so 2001, we hired our first trader who was not family and that was Marvin Finkelstein in Florida, and Marvin is our senior vice president of domestic sales and trading and Marvin's been with us since 2001. And Marvin's been with us since 2001. 2004, we had a guy hired who was supposed to start like essentially January 1 of 25. And he called us. I think Christmas Eve, called my dad and he said I really appreciate the offer, I really appreciate getting to know you guys even better. I've gotten cold feet and I have this other opportunity and I'm going to take the other opportunity and I think that's the safer way for me to go. And so we knew that we needed to add someone. At the same time, andy was part of a family business that unfortunately ran into some tough times. They were in the auto glass industry and, similar to the way that, like doctor's reimbursement, changes on the whims of the way the insurance companies want to treat different procedures, that industry was having a seismic shift and they were a big enough company. They couldn't move quick enough to get out of the way, and so andy was uh, andy at the time, in september of 2004, had twins, so he then had four kids under four years old and his family business was kind of disintegrating and and I knew andy, we, we had known each other since we were kids and and, um, my dad had known andy probably since close to when he was born and I I pulled my dad aside and I said, hey, this, this thing with this other guy didn't work out. You know, andy is out there looking and he doesn't have any experience in our industry, but this guy is really creative and could be a great sales guy for us. My dad said if you think you can work with him and you don't, and you're not nervous about your friendship getting ruined, then bring him in, let's talk to him. And by February of 2005, we had an agreement worked out. He started and he was was. I mean, he had to learn the metals, he had to learn the industry, but one thing he didn't have to learn was how to be a salesman and how to be creative and okay it. It probably took me maybe three or four years until I started getting comfortable with his crazy ideas. That and they weren't. They weren't crazy, they were crazy to me. But once I got comfortable with, hey, this stuff that he's suggesting it's working. Maybe we should, maybe I should get out of the way and maybe I should get out of the way, and, and you know that success and him being successful encourage us to add Eric Phillips and encourage us to add Chad Kripke. And then we grew to the point that we needed a real CFO and, you know, instead of my dad just coming back from Florida and saying, all right, what do you guys, you know, where are we at, what should I do? And so that, really, you know, starting with Marvin, going to Andy and then adding the others, those were all key moments and, um, a lot of the people we've added did not have, uh, scrap metal or recycling experience prior to joining here, and I think that has actually worked a lot to our advantage to get fresh eyes on things. And instead, instead of someone saying, well, here's the way you do it in your industry, someone coming in and saying, why do you do it this way and can we do this differently? Dave: No, that makes sense. I can appreciate that different perspective that he was able to bring Scott. What do you enjoy the most about your role with Kripke? Scott: Well, I'll tell you what I mean. I think you know I mentioned my background and you know it's just, it is so refreshing to be here compared to, I mean, we're, you know, we got a great culture. I mean we stress that all the time. You know it's so different than you know, what I had previously. I mean we're still, you know, we're still, you know, reasonably small in the grand view of things, so we can change on a dime, you know, we're, we're, we're nimble, we're, you know, and that's the great thing. So we find, we find that if something isn't working, let's, let's do something, try something else. And you know, I I would say between between being able to to quickly change and, you know, I would say, between between being able to to quickly change and, you know, have make a real difference, um, that in just being someplace where the culture is so important, you know and and people feel part of the team. I mean, I, I, you know. I would say that that those are probably two of the biggest things that I enjoy, you know, working here. Dave: So OK, that makes sense. Scott: It goes throughout the entire organization. Dave: So, yeah, I like it. So, Matt, how about you? Same question to you in your current capacity what do you find most enjoyable or satisfying or gratifying in your current role? Matt: I love seeing growth in other people. I love seeing people grab opportunity. Seeing people grab opportunity, and you know I love the stories of someone coming in as a. You know I'll use Eric Phillips as an example. Eric Phillips, in 2008, gets hired to be our warehouse manager. As we decided we were going to move more into. You know, on top of the brokerage, we were going to concentrate also on having a physical operation for reworking and consolidating loads. And he comes in and within probably eight months, my dad pulled me aside and said you know, we really need to bring him up front. He needs to be a trader. He's got everything. He's got all the skills to do that. My dad was really, really good at warehouse manager. You know currently is a COO and a partner in the company, and you know I love seeing that. And then you know we have some other programs that are a little bit unique. We have we want to make people's lives better, not just our customers, but I'm talking about, you know, where Scott references the culture. We put together a program five years ago, I guess, that we put together a new homeowners program and we want to help any of our employees who have never owned a home. We want to help them get a home, and so we put together a six-month financial education course where they do, like these, lunch and learns, and we have a local credit union that comes in and leads these classes, and as long as they go through those courses and as long as they've been with us for one year, then we'll uh, we'll, give them a twenty five hundred dollar uh, at least they have to put up at least twenty five hundred themselves, which, of course, you're gonna have to do that to buy a home, but we'll match up to $2,500 and then we'll give them a hundred dollars a month for three years towards their mortgage. How cool is that? So, you know, keep in mind we're we're pretty small, but we've had five people in the program. We currently have another four that are in classes right now in a series of classes, and of those, I believe that as soon as three of them, as soon as they're done with the course, are going to be ready to buy their first home. So it's, it's exciting and you know, you know, of course, the side benefit of that is it does act a little bit as a golden handcuff. Sure, you know, let's face it, someone's not staying on a job for 100 bucks a month. Yeah, but it does give them something to think about. These guys help me with this and, and if they help me with this, what else are they going to help me with down the road? Dave: Now, that's awesome. So did all five of that first group buy houses then? Matt: We have, we've done. I think this is our fourth different class yeah, so we've had, we haven't had. Sometimes we've had people go through it and say I just want the financial education piece of it because I don't really understand. I hear people talk about credit score, but I don't really understand what it is or how I could affect it. That might be one of them. I hear people talk about what a mortgage is, but what is a mortgage and how does it work? And you know, and then some other people. One of the classes is how do you set up a budget so that you don't, you know, you, you, you don't think getting the house is the finish line. The finish line is making sure you can afford the house. Dave: Yeah, of course, of course. So you have had some people buy houses from the program. Matt: We've had five people. We have five people that we have put in new houses. Dave: Yes, that's awesome. I mean heck, that's almost 10 of your workforce yeah, that's, uh, that's a little under that. Matt: Yeah, a little you know, I would hope you're an account you. You do our icy disc. Your numbers have to be your. Your math skills have to be better than that, david. Well, that was a bit of. It's about seven percent. Well, that's where my that's where my marketing angle came in right. Dave: Just it sounded more appealing to say nearly 10 there you go. But if we look at, but if we look at the percentage of your employees who'd never bought a house before. Now we're talking, you know 20, right? Because some of your employees you know already owned a house before you know they came to work here. I think that is awesome. So, scott, I'd like to just digress just a bit. And so you had another service provider for the IC desk before we came along, and I think I you know, we talked to you for several years. I'd known Matt for a long time, and one of the things we talked about was that I thought we could do a better job from service, kind of turnaround time. And then I also said that we bring a more thorough kind of calculation to the table. And I'm just curious I know this is kind of unscripted, but how and this has been a few years how has that been? Did we live up to the expectation? Is there anything that you were disappointed by? Scott: Yeah, no, for sure, I mean we, we, we can't thank you enough, dave, um, if, if I think back, I think we have. We moved our icdiscs over to you. What three years ago I can remember, we met in nashville yeah, something like two years ago, and I think you'd already had our disc for a year at that point. Does that sound right? Dave: Yeah, I think so. Scott: Yeah, so you know we, I know that you and Matt had been in touch. I think I, you know we, I think you and I had been in touch. You know, before we made that move for for some time move for, uh, for some time, we, you know with, with our previous provider, you know, maybe the response times weren't quite what we had been looking for or expecting and okay, you know we had a couple years of that and uh, and then I can remember matt and I started talking and uh, um, I remember I, uh, I, and I remember I sent you a note at some point and then we started the discussions then and you know we made the move and it's worked out really well for us, not only with the response times and, you know, moving quickly through all the work that needs to be done, because you know it always comes up, the disc always comes up around around the tax deadline date of April 15. So you know it a little bit of a time crunch of the turnaround you know with your firm is is great, but the other, the other important thing here is the additional calculations that that you've been able to do the last couple of years. We've it's it, it. It takes a little bit more detail, but you take it to the next step and you're able to find some additional tax savings with those additional steps that you do Over the years going back, yeah, since 2011, our tax savings with the ICDIS has been anywhere from, say, a few thousand dollars up to the $60,000 to $70,000 range. Okay, and it's been interesting since you took it over, dave, we've been. The last two years have been in the $60,000 to $70,000 range for tax savings. Matt: So I do think it's interesting. I referenced that Scott became a partner in the company right around that time, dave. So I think, now that some of his money, his personal money, is at stake, look at what he's doing. He's really trying to, you know, maximize all these relationships to make sure so it worked. Dave: It worked, matt. It worked exactly like you hoped it would Well. Thank you for your kind words. The team will enjoy hearing that. Your kind words. The team will enjoy hearing that. I know when we were first talking, you'd said that the turnaround time with the prior provider was maybe as long as several months, and I told you that our guaranteed turnaround time is one week from the time we get all the data, and I think you were skeptical One week. Matt: Yeah. Dave: I think the most recent year with some of the more detailed stuff. It may have been a little more back and forth, but kind of from the time we get the final numbers we uh until we turn around the disc return because you know it's kind of like paying your bills on time, right. So we manage over 500 ic discs and whether we take a month to do them all or we take a week to do them all, it's still the same amount of work. The only difference is if we take a week, our clients on average get the work done three weeks sooner than if we take a month. Just like when I was in college I had these friends that were always paying their bills five days late and I'm like you know it costs the same amount of money to pay them five days early Actually less, because you know there's no late payment fees and stuff. So yeah, no we and the other provider, I believe, didn't specialize in just the IC desk. When all you do is one thing, you know, you develop some efficiency. So then anyway, I don't want to make this too much about me. Thank you again for your kind words and your feedback. And you know anything ever not to your satisfaction. You'd be sure to let me know. I can't believe how the time is flying by. I've got a couple other questions as we wrap up, guys, and I'll start, I'm going to start with Scott first. That way you can't steal Matt's answer. So if you could go back in time and give advice to like your 25-year-old self, Scott, what advice might you give yourself, knowing what you know now? Scott: yeah, it's, it's for myself personally. Uh, our, our younger daughter is going to be graduating maybe as soon as a year, and she graduated from college with a finance degree, not not. I have an accounting degree a little bit different, uh-huh. Um, my, my advice to her is probably don't start out with a large corporation I would. Actually I would. I've had a discussion with her a couple of times. I think there's can learn a lot more working at a smaller company whatever, whatever kind of company that is you get. You get a lot more exposure to, uh, to different things. I mean if, if I were to say to do one thing differently, I'd probably say that that would be, uh. Dave: My advice is go to work to my my younger, 25 year old self is to maybe don't over uh, don't over in index on large companies because that's their pitch. Right, you'll be exposed to more stuff you can rotate around, but that you might have considered a smaller operation sooner. Is that about? Scott: something, yeah, exactly. Dave: No, great great advice. Scott: Okay. Dave: Mr Kripke, how about you? What advice might you give to your 25 year old self? Matt: So I would say, I would tell my 25 year old self that in 2025, you should bet the farm on JJ Spahn to win the US Open to when the US opens, no one will have seen it coming. You'll make millions of that. Just mortgage the house, do everything, whatever you can throw at it. The real answer would be don't worry so much. I think we all have a tendency when we're young that everything feels like a big deal and everything feels like the end of the world, and things just have a way of working out. It doesn't mean that life is perfect. It doesn't mean that you're not going to have challenges. You know, kripke Enterprises had its share of challenges over the years that we've had to fight through. My wife and I have had our share of times where we had to band together as a team to get our family through difficult times and those aren't easy. But don't worry so much. Things have a way of working out as long as you put your, you know, as long as you put your nose down and go to work, to work through it. Dave: That's great. I think it was Mark Twain that said I'm an old man and I've known a great number of troubles, most of which never came to be Something to that effect. I've always loved that. Well hey, what did I not ask you guys that you wish I had? Matt: um, I would say I thought you did a really, uh, good job as an interviewer. I think maybe, if we want to talk a little bit about the, the future of the industry, yeah, let's do that. The the other thing that I'm, you know, obviously, obviously technology, you know, not just AI, but AI is going to change every industry, including our industry. People are going to find a way to harness it and put it to work and technology is going to change our industries for the better, which is exciting. Scott: Change our industries for the better, which is exciting which is exciting, but yeah, it's exciting but scary. Matt: The way that we're going to be able to. You know, the dream for years, at least on the aluminum front, has been the ability to really dig deep and really be able to sort material to the nth degree, it back to specific alloys, and it feels like we are almost there. We're really. We're probably 90 to 95 percent of the way there and I think that is going to be really awesome for aluminum. Scary, because any change is scary, and but there's always going in. People say well, you know what does that mean? Does that mean that there's going to be the haves and the have nots? People can afford this new technology and people who can't. My guess is that's what they were saying years and years ago about shredders and years before that about whatever the new equipment was that the industry is constantly evolving. It has to evolve to get better from a technology perspective. What I'm very excited about is, over the last I'd say, six, seven years, scott, we've really added some new traders and most of them are younger than you know. We had an older trading team and most of these people are younger, so good, and so they learn things so quickly and they're interesting and they really the future is bright. And because they're so young, I've gotten to know the people that they meet in the industry who are also younger, and I know a lot of times we're guilty, as I was at one point that young, hungry guy. Now I'm the guy with gray in my beard and no hair in my head and um. And a lot of times we are guilty as old people saying the young people, they don't like to do this or they don't do this sure. I will tell you there may be things that they don't do, but there's so much better and so many other things and I think the future is bright for our industry. We've got really good young people who have entered it and are leading it now. Dave: Oh, that is. That is great. Thank you for for adding that. It was actually on my list and I think I just was sidetracked. Scott, how about you? Anything we should have talked about or that you wish I'd asked you about? Scott: Yeah, I mean you know Matt touched on it briefly I mean, I think the whole AI thing is going to make a huge difference. Maybe five years from now, seven years from now. We're not there yet, but but I mean I see that being a huge, a huge change for us in the not so near future. I mean it's you know, some of the stuff that they're working on right now it's going to get us there. But you know, on the financial administrative side, I think that is going to be the biggest change that we're going to see in the future. Dave: And we see it and we all see it every day. And since we drive the same brand of cars, you know I drove, I drove a,400 mile trip with my wife a couple of weeks ago and this was the first time ever that she sat in the passenger seat the whole time. She didn't need to spell me to give me a break and I people don't believe me I drove about four miles of the 2,400 miles and that was probably a dozen times that I intervened for five to 10 seconds, mostly for convenience and politeness. You know I needed to get over three lanes and the exit was a mile away and I just, you know, wanted to just make it happen. But yeah, we've all seen that AI firsthand, haven't? We Sure have Well, excellent, Well, guys, I really appreciate your time and I also really appreciate the trust that you've shown in us and our team, giving us a chance to demonstrate the value, and just really want to let you know how much we value the relationship. So I really appreciate that right back at you. Matt: We value the relationship with you. Thanks for giving us a chance to talk. Dave: Today was fun yeah, that that sounds great. Well, you guys have a great day. In case the listeners haven't figured it out, so yesterday was the US Open, the JJ Spahn victory that Matt was talking about. What an amazing, amazing win that was. That was exciting, that last after the rain delay was. Matt: I mean it wasn't. I'm sure it wasn't fun for any of them, but boy was that fun to watch. Dave: It was. It was at that, well, hey. Well, thank you guys very much, and if I don't see you sooner, I'll see you in St Louis or in Las Vegas next year, all right, Great Thanks. Dave. Special Guests: Matthew Kripke and Scott Chaffee.

Have you ever thought about what your life says to others? Whether we realize it or not, our actions, words, and attitudes communicate something to those around us. In fact, each of us is like a living letter: telling a story through how we live. But whose story are we telling? This episode unpacks where the Apostle Paul describes believers as 'letters of Christ,' written not with ink but by the Spirit of God Himself. What does that mean for us today?  The Rev. Ryan Kleimola, pastor of Trinity Lutheran Church in Toledo, OH, joins the Rev. Dr. Phil Booe to study 2 Corinthians 3.  To learn more about Trinity Lutheran, visit  www.trinitylutheran.org. What does it mean to follow Christ in weakness? What does true ministry look like in the face of criticism, suffering, and spiritual warfare? And how can the Church hold fast to the Gospel when pressured by the world—and even by false teachers within? On Thy Strong Word, we walk verse by verse through, arguably, the apostle Paul's most personal, emotional, and paradoxical letter: 2 Corinthians. From forgiveness and reconciliation to generous giving and boasting only in the Lord, 2 Corinthians calls every believer to follow Christ boldly. This is the way of the cross, where God's grace is sufficient and His power is made perfect in you. Thy Strong Word, hosted by Rev. Dr. Phil Booe, pastor of St. John Lutheran Church of Luverne, MN, reveals the light of our salvation in Christ through study of God's Word, breaking our darkness with His redeeming light. Each weekday, two pastors fix our eyes on Jesus by considering Holy Scripture, verse by verse, in order to be strengthened in the Word and be equipped to faithfully serve in our daily vocations. Submit comments or questions to: thystrongword@kfuo.org.

This Teisho was given by the Reverend Karen Do'on Weik Roshi at the Buddhist Temple of Toledo on May 1, 2024. In this talk Do'on Roshi discusses the 44th case from the Mumonkan (aka The Gateless Gate) known as Basho and a Stick.   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 Reverand Do'on's Teisho on the Mumonkan series.

Listen to the highlights from Omaha's 13-7 victory over the Toledo Mud Hens at Werner Park on July 9, 2025.

Quadras de beach tennis montadas no valorizado corredor que liga Pinheiros à Vila Olímpia, em São Paulo, explodiram nos últimos anos. Mas um leilão imobiliário agendado para agosto pela Prefeitura ameaça alguns desses centros esportivos.  Nesta edição do podcast UOL Prime, o apresentador José Roberto de Toledo e a repórter Adriana Ferraz explicam a relação entre a febre das quadras no entorno da avenida Brigadeiro Faria Lima e a especulação imobiliária na região. #uolprime⁠⁠⁠⁠⁠⁠ #PodcastUOLPrime⁠⁠

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

Listen to the highlights from Omaha's 12-8 loss to the Toledo Mud Hens at Werner Park on July 8, 2025.

In this jam-packed, food-fueled, no-rules Tuesday episode of Off The Air, Sean Baligian counts down the 46 days until Week Zero of college football, unpacks The Athletic's Top 25 College Football Rivalries list, and delivers his spicy (and sometimes controversial) takes on Michigan, Ohio State, and the playoff implications of a chaotic 2024 season.He and Todd dive into everything from their favorite international cuisines (Peruvian green sauce gets some love) to Bryce Underwood's potential, to the Red Wings' stagnant rebuild and Detroit's allure—or lack thereof—for free agents. Plus, Sean waxes poetic about his days in Toledo and why being a Michigan fan in Ohio brings next-level drama.Also on the docket: Lions expectations, Ryan Day redemption, why Mahomes ≠ Cousins, and a farewell before Sean's Greek getaway. Bonus: a little “Grease” musical nostalgia sneaks in before the credits roll.Come for the college football chaos, stay for the empanadas.

Apoie o UP no Orelo: ⁠⁠⁠⁠⁠⁠clique aqui!⁠⁠⁠Em meio a grandes lançamentos, a equipe se reúne para falar sobre o que estão jogando no momento! Cardoso comenta mais sobre sua experiência e com o MMO de sobrevivência Dune: Awakening, Dan compartilha sua curiosa coleção de insetos no indie Kabuto Park e Marcellus (e todos, na real) fala suas impressões sobre o novo jogo da Sloclap, o esquisito e divertido REMATCH.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

This is a Grave Talks CLASSIC EPISODE! For centuries, scientists, skeptics, and believers alike have been intrigued by  questions like "What causes ghostly experiences?" "Are ghosts real?" and "Why do certain people report numerous ghostly encounters while others experience none?" Brandon Massullo's The Ghost Studies offers a glimpse into the research and theories that shed light on these mysteries. This book is far more than a compilation of ghost stories. It includes research on the role of energy and electricity in hauntings, examining how emotions, bioenergetics, and the environment contribute to supernatural phenomena. Additionally, it explores why some individuals are more susceptible to ghostly encounters. Whether you're a skeptic, a believer, or somewhere in between, this book promises to challenge your understanding of the paranormal. Today on the Grave Talks, a conversation about The Ghost Studies: New Perspectives on the Origins of Paranormal Experiences with author Brandon Masullo; you can buy the book on Amazon or wherever books are sold.   About the author:       Brandon Massullo is a clinical therapist, author, and parapsychologist residing in Northeast Ohio. He has graduate degrees in clinical counseling from the University of Toledo and psychological research methods from the University of Edinburgh in Scotland, UK. Brandon studied within the Koestler Parapsychology Unit at the University of Edinburgh, and his research centered on environmental sensitivity and ghostly encounters. Become a GRAVE KEEPER and get access to ALL of our EPISODES - AD FREE, BONUS EPISODES & ADVANCE EPISODES!!! Sign up through Apple Podcast Channel or Patreon. Sign up through Apple Podcasts or Patreon http://www.patreon.com/thegravetalks 

This is a Grave Talks CLASSIC EPISODE! For centuries, scientists, skeptics, and believers alike have been intrigued by  questions like "What causes ghostly experiences?" "Are ghosts real?" and "Why do certain people report numerous ghostly encounters while others experience none?" Brandon Massullo's The Ghost Studies offers a glimpse into the research and theories that shed light on these mysteries. This book is far more than a compilation of ghost stories. It includes research on the role of energy and electricity in hauntings, examining how emotions, bioenergetics, and the environment contribute to supernatural phenomena. Additionally, it explores why some individuals are more susceptible to ghostly encounters. Whether you're a skeptic, a believer, or somewhere in between, this book promises to challenge your understanding of the paranormal. This is Part Two of our conversation. Today on the Grave Talks, a conversation about The Ghost Studies: New Perspectives on the Origins of Paranormal Experiences with author Brandon Masullo; you can buy the book on Amazon or wherever books are sold.   About the author:       Brandon Massullo is a clinical therapist, author, and parapsychologist residing in Northeast Ohio. He has graduate degrees in clinical counseling from the University of Toledo and psychological research methods from the University of Edinburgh in Scotland, UK. Brandon studied within the Koestler Parapsychology Unit at the University of Edinburgh, and his research centered on environmental sensitivity and ghostly encounters. Become a GRAVE KEEPER and get access to ALL of our EPISODES - AD FREE, BONUS EPISODES & ADVANCE EPISODES!!! Sign up through Apple Podcast Channel or Patreon. Sign up through Apple Podcasts or Patreon http://www.patreon.com/thegravetalks 

Hello and welcome to another episode of Ohio Mysteries Backroads. In tonight's episode we are joined by friend of the show Wendy Koile, author of 4 fantastic books. We discuss the mysterious Toledo Speedboat disaster of 1930. On a hot Saturday morning in June, 1930, eight Toledoans set out on a speedboat to attend an Elks picnic on Pelee Island and never made it. Their boat would be found spinning in circles without a soul onboard. The well to do men would be found dead a few days later and rumors began to circulate about what happened and who was responsible. In our next story, we explore the long history of the Ghost Ship of the Ohio River, the Sachem. This luxury liner has a very long history of entertaining many well to do of the East Coast elite as well as serving the military where Thomas Edison conducted experiements to bootlegging, to fishing charters to sight seeing touring and a wild journey through the middle of the country to where it sits today, at a tributary off of the Ohio River. Join us and learn all about these crazy stories! Author Wendy Koile is a friend of the show and you can find out more about her and her fantastic books at: ⁠https://wendykoile.com/⁠ Check out Ohio Mysteries Backwoods Facebook page!: ⁠https://www.facebook.com/profile.php?id=61558042082494¬if_id=1717202186351620¬if_t=page_user_activity&ref=notif⁠ Please check other podcast episodes like this at: ⁠https://www.ohiomysteries.com/⁠ Dan hosts a Youtube Channel called: Ohio History and Haunts where he explores historical and dark places around Ohio: ⁠https://www.youtube.com/channel/UCj5x1eJjHhfyV8fomkaVzsA Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode isn't about politics- it's about power moves. No matter how you feel about Trump or the current administration, the Big Beautiful Bill is now law, and it's already reshaping the game for small business owners. From permanent tax breaks and new deductions to hidden risks and long-term pressure, we lay out the real playbook for entrepreneurs who want to move smarter while others argue.

07-03-25 - Entertainment Drill - Toledo Pulls Up Cost Of Living From Zillow And Currency Exchange Rate For Nigeria - BOSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.