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Get your jammies on sloots (and grab a furry pen + a notepad the size of your palm) we're having a slumber party! There's nothing new about me and Alex yapping on the  couch but this week is a little fun and different… we're each taking turns in the hot seat. What work has Alex had done? How'd she go from LDS saint to stoner princess? What does she really think of my bf? And ofc, I answer all of your burning questions, although there was probably no need to be any more open and honest after VOLUNTARILY sharing my horrifying dream at the top of the episode. I'm sorry and I love you! XO Follow Sofia on:  Instagram - https://www.instagram.com/sofiafranklyn   TikTok - https://www.tiktok.com/@sofiafranklyn   Twitter - https://twitter.com/sofiafranklyn    Threads - https://www.threads.net/@sofiafranklyn  Follow Alex on: Instagram: https://www.instagram.com/alexfranco_meow/    TikTok: https://www.tiktok.com/discover/alexfranco_meow  Twitch: https://www.twitch.tv/alexfranco_meow  To learn more about listener data and our privacy practices visit: https://ww.audacvinc.com/privacy-policy    Episode Highlights: 00:00 Intro 01:44 PJJ party + incest dream 04:41 Q&A with Alex 05:32 Daily s*x is a red flag? 07:22 Alex's hair routine + leggings hack 09:55 Hair vitamins + Revlon brush 11:48 Beauty procedures + biggest insecurities 15:42 Become a vegan + brain tapeworm 19:16 Smoking weed  22:45 Best way to smoke weed 24:47 Sofia's boyfie 25:41 Roomie scam update 29:40 Live show 30:43 High schooler Sofia 32:25 C*ck holding 33:24 Last book read 32:37 Mushroom dealer 36:12 Terrible MIL 37:19 Matchmaking service 38:48 Depression after breakup 39:24 Security & safety  42:04 Life lesson To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Bongani Bingwa speaks to GroundUp journalist Daniel Steyn about the IDC contesting a court order that prevents it from questioning whistleblowers, and a USAID-funded non-profit voluntarily putting itself into business rescue. See omnystudio.com/listener for privacy information.

Jenna Teaches hubby.Based on a post by m jar65, in 2 parts. Listen to the Podcast at Steamy Stories. One week later Nick and I were in the same hotel again and quickly we were naked and fucking. Again there was lots of oral and I sucked his cock nice and long and Nick ate my slit till I was cumming all over his face.I was so ready and so wanting that cock in my backside that Nick had to calm me down. Soon he was eating my slit and slipping a finger in and out of my ass. It was just as sensational the second time and I loved the stretching and the rubbing inside my little hole. Nick was so wonderful and he just kept going till I came in his mouth twice. Then he flipped me onto my front and straight away I got myself into the right position for him.This time my rim job felt better and lasted even longer. I was moaning out loud for him and really I loved every moment of that ass licking, the feeling of having a man focus so much attention on my delicate anus. I came nice and hard for Nick as he thrust two fingers into my slit while his soft, warm tongue lapped at my hole.Nick was such an expert he knew just how to handle me. As soon as that orgasm flowed out of me I was flipped back and this time I had two pillows under my hips. I was panting hard and it wasn't the after effects of my receding orgasm. I knew the moment had arrived and I was about to take a rock hard cock deep into my asshole.He pulled on a condom as I stared at his hard cock and tried to imagine that bulk stretching out my backside. He didn't go straight to my ass though. First he dipped his cock into my slit. I admit I felt a little disappointed but soon enough I was huffing and panting as Nick did his magic and made my body ready to explode. I thought briefly how exciting it felt to have a different man take my body.I was so close to cumming again when Nick positioned the head of his cock against my rear entrance. I was horny and desperate and wanted that cock so badly. I watched him apply a little lube and then he told me 'rub your clit for me. Make sure you are giving yourself some pleasure in case it's too big the first time.'I understood just was he was saying. Just the head of his cock pressing against my hole felt like the biggest thing I had ever taken. I still wanted the rest of it, to take his whole cock. So I strummed my clit just as he asked. I wasn't scared but I was worried we might fail at the first hurdle.I was panting and playing with my clit and the whole time Nick never took his eyes off mine. This was it, finally taking a hard cock up my ass.'Here we go,' he said quietly. 'Try to relax for me.' I felt him press forward and I knew even then my anus was struggling to open up for him. The trouble was that I was so excited I really couldn't relax anything. I was going to have a hard cock shoved into my ass and even the thought that it could hurt didn't slow me down a bit.Nick applied a bit more lube and with a sudden push he was inside me. Oh shit, his cock suddenly felt enormous and for a moment I was sure I'd never take the whole thing inside me. I kept playing with my clit, trying to adjust to these new sensations. I wanted that cock to go all the way.After taking a tongue and then a finger, the head of his cock was really stretching me. I was scared but I was loving the feeling already. Carefully Nick started pressing deeper and the 'filled up' feeling got stronger. I was amazed that I could take so much in there. It felt weird but so good at the same time. A big hard cock in my backdoor and it was so new and so sexy at the same time.He was pushing deeper and I was getting more and more filled up in that weird way. Each time he pressed forward I knew I was taking still more of that big hard cock inside my forbidden little hole. I was amazed at how much I could take and how good it felt. Oh fuck, I was loving it even though I also felt like using the toilet.Suddenly there was a tearing and burning sensation. Nick must have recognized my expression because he actually withdrew a little and applied some more lube. I was still panting madly and so worried that this was my limit.'Keep rubbing that clit,' Nick told me. 'You are so close so let's go slow and gentle.''Don't stop,' I gasped and panted at him. My slit was feeling so good and I was experiencing the weirdest and sexiest sensations I had ever known. Having even a part of his cock in my ass felt so dirty and erotic that I was anxious to take him all. I was being stretched and filled in the 'wrong' place but my body was telling me that everything was exactly right.Women know the sensation of a big hard cock filling up their vagina. Instead of that I now had that cock in my ass and although it was a weird feeling my body was heating up and my tits were tingling.Slowly Nick started to pulse his cock in and out of my ass. I was such a newbie I didn't even know what that meant. Slowly he was working himself deeper and deeper into me and soon I realized things felt very different. He felt huge in there and part of my brain worried I might burst. But the excitement from that big thing moving in my ass overwhelmed everything else.'You've done it,' he said to me with a smile. 'My whole cock is inside your ass. How do you feel?''I don't know,' I panted. 'It's weird but it feels so great. Fuck me now. Fuck my ass with your cock so I can feel everything.'Nick started to pulse back and forward again but this time his cock strokes were longer and he was starting to use a little more force inside me. 'Does it feel good?' I asked him anxiously. 'Does my ass feel good?'He smiled and went on fucking my ass. My first ever anal sex, first ass fucking, first ass reaming. I was in a kind of heaven but still I wanted it to be perfect.'Your ass feels great to me,' he said with a big smile.Nick's thrusting got longer and stronger and soon I was in a kind of reverie. The weird feeling was turning into an amazing glow right through my body and the 'filled up' sensations were starting to make me feel like I really needed to cum. It was the strangest feeling ever but somehow I knew that I was loving taking a cock in my ass.An orgasm was approaching and now I didn't even need to rub my slit. The feeling of that hard cock and the truth that I was being fucked up my ass was all I needed right then. The sensation of him moving inside my backdoor and the rubbing against my insides was becoming more and more exciting. My whole body was starting to feel turned-on.Of course I had no idea of what to expect or what would come next. But I knew what was happening when I started being overtaken by a massive new sensation and I realized that I was cumming while Nick had his cock up my ass.Holy shit, I came with a cock up my ass. I'd never believed it could really happen. It happened to me, though, and on that very first time. It didn't explode like most of my orgasms. It just kind of erupted from some other part of my body and it swelled up inside me and suddenly my whole body was on fire and the most incredible release just came over me.I tried to stay focused on Nick's cock thrusting into my ass hole but I just couldn't. It was the weirdest orgasm I'd ever had and even now I can't really describe it. But I felt so full and so sexy and so alive right then. I know I cried out loud as that climax rushed through my body and I lay there looking up at that stranger as he continued to pump himself into my ass hole. I just couldn't really believe what it was doing to me.Soon Nick seemed to guess what was happening and as that first ever anal orgasm passed he carefully slid himself out of my hole. There was that same feeling of emptiness like when a cock pulls out of my slit and I imagined I'd been opened so wide that my anus stayed open even after Nick left me.I still felt sensational though and the feeling of that first anal fuck and that first orgasm still filled my body and my brain. I lay for there for a long time next to Nick with him holding me and asking if I was OK. All I could do was nod.Eventually I did recover my breathing and calmed down enough to think about what had just happened to me. Believe me, right then I told myself I would be a slut for anal sex and that no matter what happened I would find a way to get my hubby to do that to me.We did plenty more oral and fucking that day, though Nick insisted we should let my asshole rest after all that activity. I made Nick promise that next time he would fuck my ass from behind, doggy style. I really wanted that and by now I knew that my little hole could fit the whole of a big hard cock.I went home that word buzzing in my brain; sodomy. I had committed sodomy. I had been sodomized. I was so turned on that at home that night I practically demanded that my hubby fuck me good and hard. I insisted on doing it doggy style so I could get all his cock inside me and really feel the fucking and thrusting. Hubby has a gorgeous cock that looks and feels so great. I could almost worship that part of him. The whole time he was humping me from behind I was imagining how it would feel when I could take him in my ass instead.That weekend I was still on a big high and feeling horny, talking my hubby into still more sex than he would normally need to give me. What was best was that one time I screwed up my courage when hubby was eating my slit and I quietly asked him to go lower with his tongue. He did, too, and I really enjoyed the dirty feeling and the softness of his tongue on my anus. It wasn't a proper rim job but it was a first for us and I enjoyed it.The next night I took a long shower before bed and then I somehow managed to ask if he would lick both my holes. Hubby agreed but I could see that he wasn't sure what I was after. So I lay on my front for him, legs apart to display my holes and asking him to lick them both. Whenever his tongue went near my backdoor I moaned a little louder. It was only a small fake. That did the trick, however, and hubby slowly got into it some more till I was feeling pretty good. That was kind of my first ever rim job from hubby and I knew with practice he was only going to get better.Finally hubby couldn't hold out any longer and he asked me what was going on. 'I love you sweetheart but I am wondering why all this extra attention to your lovely ass.'So I told a small lie. 'I want to prepare myself. Get me ready for you.''For me? For what?''You know. For you in my asshole.''Me in your asshole?''Darling, I know a lot of men enjoy anal sex. You know some women enjoy it too. I want to try it with you. I want to try and see if I can give that to you like other women do for their husbands.''You want me to fuck your ass so I won't get it from other women?''Sweetheart, I don't care about other women. I am your wife and it's time we tried something new in bed. I just thought that if you wanted to fuck me back there then I want us to try it.'We talked and fucked some more that night. It took less than 24 hours for hubby to decide that he did want to do that. So long as I really thought we should try it. I nearly burst out laughing.It was noticeable after that night how much more eager hubby became to rim me and lick both my holes. Helping to 'prepare' me he was. And I can report that without much encouragement from me he was quickly improving his technique and I was enjoying it more and more. I suppose I was making up for lost time, too.Thanks to my extra libido we were fucking like rabbits and soon I graduated him to fingering my ass while he licked my slit. That took a little more practice and I had to show him how to get a finger wet with the moisture from my slit and then add some saliva as well. The orgasms were not as explosive as that first time with Nick but I didn't care really. I was having a great time with my hubby as he practiced his new technique on me.I met Nick again too. I was shaking and nervous and more happy than ever that he had such experience and poise in this situation. Like always there was the fear of being discovered. This time there was the extra thrill from knowing I was going to take a cock in my ass doggy style.In the hotel room I allowed Nick to take the lead as usual. This time I got a gentle surprise when he put his hands on my shoulders and gently pushed me down to my knees. I knew what he wanted, of course, but no-one has done that to me in years.It was kind of fun, though, and I soon had his cock out of his trousers and in my mouth while I knelt in front of him.On the bed we did all our usual preliminaries of sucking and licking. He got me so incredibly turned-on like he always did. For a casual sex fling I can say this man was very attentive and considerate of my needs.We fucked in missionary for a little while and I did my best to enjoy it and relax. His cock felt great inside my slit but, again, I found myself thinking only about how it was going to feel inside my asshole.When he was ready, Nick flipped me onto my hands and knees and I got another of his lovely, long ass lickings. He also paid attention to my slit and to my clit and soon I was feeling red hot and completely randy.The feeling of his cock in my slit as he entered me from behind was sensational. All I really was aware of right then was how much more intense I wanted my pleasure to be. He could either slam into my vagina or he could take my almost virgin ass. I got a nice steady humping and he even reached under me to rub my nipples and my clit.He stuck his finger into my backdoor again that afternoon and I was so turned-on that I just grunted and gasped and came even harder. I loved the way he was stretching out my hole but the real thrill was knowing that his cock was going to go into that same place at any minute. Oh fuck, I came hard for Nick as he screwed me like that, knowing I was a dirty wife who really does enjoy a strange cock in her slit.When I felt Nick withdraw his cock from my slit I knew my moment had come. I think he applied a little lube to himself. Then his finger popped out of my ass and was replaced with something that felt much bigger and more wonderful.The firm pressure he put against my rear opening made me gasp and pant harder. It was just the head of his cock but now I knew for sure it would fit and that his entire shaft would soon fill up my bottom. Being in front of him on hands and knees felt so incredible and to me this was really the moment of my introduction to anal sex.I don't know why but for some reason I had gotten the idea that being ass fucked doggy style is really the proper way to do it. It just seems so primitive and animal and it means that the cock can go as deep and hard as possible. I adore the thought that in doggy position my dear hubby can choose either hole for his cock to enter. At first the idea brought a little fear but it seemed the best way to feel everything and fully take a cock inside my ass hole. That kind of more extreme fucking was what I had been wanting.That day in the hotel I knew I was going to be penetrated and stretched like I'd never felt before. Right then I wanted it so bad. 'Fuck me, Nick. Fuck my ass,' I murmured to him. He didn't really need the encouragement but he was good enough to remind me that I should be stroking my clit as he pierced my little opening.With the first push I felt the head of his cock enter my back door. Already I felt so full. I was panting and moaning as he worked himself deeper. I was a little afraid but I was feeling greedy and I just wanted another of those amazing orgasms he had given me before.Just like the first time, having his cock in my ass like that felt so weird and so amazing at the same time. I already knew that I loved the feeling of being so filled up and feeling so dirty.Like before there was a brief moment of pain that felt like my skin was tearing. Nick must have been paying extra attention because somehow he sensed the problem and he slowed for a moment and applied some extra wetness to his lovely hard cock. I was worried he would stop and you know I really would have taken the pain right then to get his cock fully inside my ass. I just kept rubbing my clit and somehow that made the pain go away.Then with a few more firm pushes I knew Nick was buried deep inside my ass hole.'Don't stop,' I panted. 'Don't stop. Fuck me please Nick.'That's what he did and it could not have felt better. He started with the same gentle pulsing back and forth. This time I knew I was being ass fucked for real. Then soon I could feel him really stroking inside my backdoor and straight away it was feeling even better. I kept rubbing my clit and the mixture of sensations was so obviously going to bring me off in a massive way.I felt Nick go deeper into me from behind and it made me feel even more turned-on and excited about what he was doing to me. I started to push back against him, wanting him fully inside my ass. The feeling was sensational and so animal-like. I didn't even care anymore about it hurting me. My whole body was feeling so, so fantastic I just wanted to be reamed continuously.Fucking hell, but soon I felt myself start to cum. It felt so great the way his cock stretched and rubbed inside my backdoor. Taking a cock in my ass was suddenly feeling incredible. I started to shove my head into the pillow as I began to lose control and Nick must have picked up the signals. I felt him thrust even deeper and harder into me and he was really starting to pump his cock onto me. I was getting the proper ass fucking I had imagined so many times.Fuck, Nick was so good at what he did to me because by the time he finished I had buried my face into the bed and screamed out orgasm after orgasm. I lost count of my explosions and I really don't even remember what Nick did to me. But the physical and mental joy of being ass fucked from behind was the most incredible feeling I had ever had.OK, so I will admit that some of his pumping did cause me a little bit of hurt but I never once thought about telling Nick to stop or even to slow down. I wasn't afraid of the pain anymore and somehow it actually made me feel more excited, knowing I was really taking a cock pounding in my novice ass.By the time I was done and needing a rest Nick pulled out slowly and let me fall flat onto the bed. I felt so incredible, really alive. My whole body felt amazing and my little hole wasn't sore at all. Nick got up from the bed and I could see he was going to remove the condom. I got to see the mess on the condom and that wasn't a good moment. I was still a newbie. But I did see clearly that Nick had shot his load whole in my ass and the rubber bulged nicely as it held his seed. I felt quite excited and proud that this man had actually cum while fucking my asshole.Not much else happened that day but I was so happy and on such a high that I didn't mind. I knew right then that hubby was going to get lots of practice sticking his gorgeous cock into my ass. I just had to teach how to do it.Nick and I showered together that day. Afterwards I went down on my knees again. Voluntarily this time. I admit by now I was quite fond of Nick and his yummy cock. I know I was engaged in a kind of cheating but I felt really good about myself as I sucked his cock and swallowed all his seed.That Friday night I had hubby licking my asshole as soon as I could get him into the bedroom. I was on heat really badly and I didn't care what hubby thought as I took charge of the action. Then I positioned myself on my back with two pillows under my hips and told hubby him that after he fucked my slit this would be the night when his cock would enter my bottom for the first time.Of course his fucking was wonderful and his gorgeous cock made me feel as good as it always does. I just kept thinking, though, about how it would feel in my bottom so I wasn't going to wait. He spread around a lot of lube and made sure some went inside my back door. Everyone says use lots of lube but the problem became that everything was too slippery. Hubby nearly went back in my slit a couple of times which didn't make me too happy. It was just a lack of experience all round.So the next night we were back at it, this time with just a little lube for my hole and mostly my juices and his spit on his cock. I was so excited I was afraid I would spoil everything. I did my usual and made sure I was rubbing my clit like I had learned. I didn't want anything to go wrong or give hubby any excuse to stop, ever.I felt that now familiar pressure of a cock pressing against my backdoor. It was my hubby's cock this time and I was almost gagging for it. Again I felt the excitement of knowing what was about to happen to me.He followed my instructions and with a big push the head of hubby's cock was inside my sphincter. I groaned with passion as he began to stretch my hole. Of course I did, my darling hubby was about to fill my asshole with his wonderful hard cock. I had to remember he'd not had any experience or teaching so it was really important that I concentrated and made sure we both went slow.I coached hubby on how to work his length into my anus. It was sensational to feel his cock in my backdoor. By now I knew I loved the feeling of being filled and stretched and I wanted still more of him inside me. Each time hubby thrust in I made him add some more saliva. The great thing was that for some reason I never got that feeling of tearing. Maybe it was because hubby didn't need to use a condom. Or maybe I was even more excited because I knew this was the first time of many that his gorgeous cock would be going up my ass.Following my instructions hubby slowly filled and stretched my ass hole. Oh shit, I do love his cock so much. It is a wonderful thing and now, for the first time, I felt the thickness of him as he slowly shoved himself into my waiting asshole. He'd never felt so big before. Slowly I taught hubby how to fill and stretch my ass hole.That night we only got about half that wonderful cock into my hole. It felt so great to finally have him filling me up back there. Even with only half his cock I felt properly stretched and filled up. There was no orgasm for me that night but I'd made my hubby fuck my backdoor and had enjoyed every bit of it. I even got him to move back and forward a bit and try to fuck my hole. Hubby said that he really enjoyed it and I knew it was true. I was as happy as I could have been and so in love with my hubby and his cock.It was only a few nights later when we tried again and this time we got him all inside me. How exciting that was, let me tell you. This time he humped me slow but steady and I was moaning for him without even trying. The amazing feeling of having my hubby in my ass, plus some more rubbing of my clit, meant I got my first ever ass sex climax with hubby. It was slow and gentle but I still loved every minute of it and the amazing sensations I was getting. It was a special moment and afterwards I told him how much I loved him.Sodomy; it felt great. I still enjoyed playing with that word, turning it over and over in my mind, thinking how nasty and dirty I could be. I let my husband sodomize me. In fact I'd allowed myself to be sodomized by two men. I was already enjoying my new attitude to sex and being more adventurous.The next Saturday night we did it again and this time we both came. Mine still wasn't as powerful as Nick had given me but I didn't care about that at all. Besides, I was happy for us to keep practicing. I did love it, however, when hubby shot his seed inside me. It was a magic moment for me, as his wife. Plus I knew it meant he would keep wanting my ass hole after that. There was a bigger mess that night as he leaked out of me but we managed to make it to the shower in time, mostly.All of this, naturally, brought me to the moment of truth. I had pursued anal sex because I wanted to learn some new sexual pleasures and because I wanted our sex life to be more open. I had made a secret deal with myself and I had to go through with it. I would have felt really guilty if I'd not finally asked hubby what else he would be turned on by trying.I was a little surprised when hubby told me, after a lot of hesitation, that he wanted to try cumming on my face sometimes. Personally, I have never had much interest in that particular act and I've never really accepted that men want to do that. But there was no point being a coward or a hypocrite. I was his wife and I was after some new sexual experiences. Of course I told him I wanted him to do that to me.About a week after that I got the courage to tell hubby this was the night I wanted him to cum on my face. I sat on the side of the bed and gave him a long stroking and sucking of his gorgeous cock. I have always enjoyed having a man cum on my skin but I had never really wondered how it would feel to have it land on my face. It felt a little taboo and dirty and I reminded myself that that was the kind of fun I had been looking for.At the end hubby took over and I was surprised to see how excited and turned-on he was by it all. I watched him stroke his shaft until without any warning his seed was shooting out of his little hole and splashing onto my face. Hubby must have been extra excited because there seemed to be more of his seed than usual.To tell you the truth it didn't feel bad at all, except for one small bit that landed in the corner of my eye. But feeling his hot, fresh seed on my face actually was OK. He gave me such a big load and I was covered in his seed. I felt like a bit of a porn actor but it wasn't any worse than having him leaking from my ass. And I was happy enough that when he was done I took his cock into my mouth and licked and sucked him till he was nice and clean.The best part, the most rewarding part, was seeing the excitement in his eyes and hearing it in his voice. I am his wife and I love him and I felt great to have given him a really special treat. So, of course, we have done it many times since then. Sometimes I ask and sometimes he does. It feels better and more fun each time.Finally I got hubby to open up about other sexual things he wanted us to try. I got a massive shock when hubby mentioned he was interested in the idea of same room sex with other couples.I was the one who asked him if he meant wife swapping. So I guess I deserved it when hubby shocked me again and said that 'yes', he had been thinking about that too. Only if I was totally OK and willing of course.I could see the funny side of it all but suddenly I knew my plans had kind of backfired on me. Well, at least I realized I had created some kind of monster. I love my hubby so much and I suppose there was a little guilt about me having fucked with Nick. What could I do? I had told myself I wanted to give us both a more interesting and varied sex life. Hubby had made a suggestion and I had to say 'yes'.Now we are seriously thinking about a couple that we can swap with. Because of everything I did with Nick, I know I can do it and have sex with a stranger, even in front of hubby. I would love to feel the sensation of a different man fucking me again. I am only reluctant because I am worried that if I give up my hubby, with his gorgeous cock and all his fucking skills, the other woman will have a great night while I get humped by her dud of a husband.I confess it's not such a terrible or shocking idea really. After my experiences with Nick I am sure it will be fun.So far we've only gone as far as same room sex with two other couples. To be honest, I enjoyed the fact that they both stared at me as I fucked hubby. I had fun showing them what we could do as lovers and letting them see hubby's beautiful cock.The second couple got a bit complicated when the wife started coming-on to me the second time we played together. She had been up-front about being bi-sexual. I didn't mind that at all but her advances were unexpected and I was not really ready for that. It was a bit of a shame because I know both boys would have enjoyed it very much. Maybe another time I'll let hubby have that bit of fun, or maybe with a different woman who turns me on as well.In the meantime I am getting great anal sex at home on a regular basis. In fact, things are only getting better and better in that department. Hubby has become as good at fucking my ass as he is at all the other things we do in bed. I have even started giving him a few rim jobs as well, though hubby is sure he doesn't need any penetration in his back door.I red somewhere of a woman who said she enjoyed anal even more than having a cock in her slit. I am sure I'll never feel quite like that but it's also true that I will never get tired of ass fucking.At least once a week now I get into doggy position while hubby squeezes his big, hard cock into my tight little asshole. He enters me back there, going slow and gentle and letting me feel every tiny bit of his gorgeous cock. I always moan and rub my clit as I adjust to his big hard cock and savor the feeling of ass sex. I find that my nipples get so hard and I get an extra pleasure as they rub against the bedsheets. Having regular anal sex has made me even more horny and responsive than before.Then hubby takes control of me and he humps me hard and deep and I get to bury my face into the pillows, screaming out as I cum and cum and cum. When I'm done and I can't cum any more I always get the ultimate pleasure of feeling my wonderful hubby shoot his seed deep inside my bowels.I told you that I almost worship hubby's cock. To take him in my slit and now my ass makes me so happy and fulfilled. He feels so big back there that I can feel his size even better than in my slit. I am just as excited to know I that I can give him such a special sex treat. Anal sex is a dirty pleasure for me and it's even better to share it with the man I love.So you can see that my dream came true and I am so happy and relieved. I got the sexual variety I craved and I got to make my hubby so very happy as well. The hard thing was to find a lover to teach me. I don't think I'd ever have asked hubby to fuck my ass if I hadn't had that experience with Nick. Maybe other women would do it differently. But I still have no regrets about what I did to achieve my desire to turn my husband into a regular ass-fucker and to lust after my ass hole so much.That was not entirely the end of my little adventure with Nick. Despite having hubby taking me regularly in my ass, it was very hard to walk away from Nick's ass fucking technique. Plus Nick was so sweet and made my body feel so alive that I had to go back for more. Nick also taught me a few other sexual tricks before I finally drew a closure to our affair. I haven't tried any of those new tricks out with hubby yet. But in time I am sure I will.Oh, and my friend Louise wants to know all the details of everything I did with Nick. But I am making her wait as well.Based on a post by m jar65, for Literotica.

Jenna Teaches hubby.Based on a post by m jar65, in 2 parts. Listen to the Podcast at Steamy Stories. One week later Nick and I were in the same hotel again and quickly we were naked and fucking. Again there was lots of oral and I sucked his cock nice and long and Nick ate my slit till I was cumming all over his face.I was so ready and so wanting that cock in my backside that Nick had to calm me down. Soon he was eating my slit and slipping a finger in and out of my ass. It was just as sensational the second time and I loved the stretching and the rubbing inside my little hole. Nick was so wonderful and he just kept going till I came in his mouth twice. Then he flipped me onto my front and straight away I got myself into the right position for him.This time my rim job felt better and lasted even longer. I was moaning out loud for him and really I loved every moment of that ass licking, the feeling of having a man focus so much attention on my delicate anus. I came nice and hard for Nick as he thrust two fingers into my slit while his soft, warm tongue lapped at my hole.Nick was such an expert he knew just how to handle me. As soon as that orgasm flowed out of me I was flipped back and this time I had two pillows under my hips. I was panting hard and it wasn't the after effects of my receding orgasm. I knew the moment had arrived and I was about to take a rock hard cock deep into my asshole.He pulled on a condom as I stared at his hard cock and tried to imagine that bulk stretching out my backside. He didn't go straight to my ass though. First he dipped his cock into my slit. I admit I felt a little disappointed but soon enough I was huffing and panting as Nick did his magic and made my body ready to explode. I thought briefly how exciting it felt to have a different man take my body.I was so close to cumming again when Nick positioned the head of his cock against my rear entrance. I was horny and desperate and wanted that cock so badly. I watched him apply a little lube and then he told me 'rub your clit for me. Make sure you are giving yourself some pleasure in case it's too big the first time.'I understood just was he was saying. Just the head of his cock pressing against my hole felt like the biggest thing I had ever taken. I still wanted the rest of it, to take his whole cock. So I strummed my clit just as he asked. I wasn't scared but I was worried we might fail at the first hurdle.I was panting and playing with my clit and the whole time Nick never took his eyes off mine. This was it, finally taking a hard cock up my ass.'Here we go,' he said quietly. 'Try to relax for me.' I felt him press forward and I knew even then my anus was struggling to open up for him. The trouble was that I was so excited I really couldn't relax anything. I was going to have a hard cock shoved into my ass and even the thought that it could hurt didn't slow me down a bit.Nick applied a bit more lube and with a sudden push he was inside me. Oh shit, his cock suddenly felt enormous and for a moment I was sure I'd never take the whole thing inside me. I kept playing with my clit, trying to adjust to these new sensations. I wanted that cock to go all the way.After taking a tongue and then a finger, the head of his cock was really stretching me. I was scared but I was loving the feeling already. Carefully Nick started pressing deeper and the 'filled up' feeling got stronger. I was amazed that I could take so much in there. It felt weird but so good at the same time. A big hard cock in my backdoor and it was so new and so sexy at the same time.He was pushing deeper and I was getting more and more filled up in that weird way. Each time he pressed forward I knew I was taking still more of that big hard cock inside my forbidden little hole. I was amazed at how much I could take and how good it felt. Oh fuck, I was loving it even though I also felt like using the toilet.Suddenly there was a tearing and burning sensation. Nick must have recognized my expression because he actually withdrew a little and applied some more lube. I was still panting madly and so worried that this was my limit.'Keep rubbing that clit,' Nick told me. 'You are so close so let's go slow and gentle.''Don't stop,' I gasped and panted at him. My slit was feeling so good and I was experiencing the weirdest and sexiest sensations I had ever known. Having even a part of his cock in my ass felt so dirty and erotic that I was anxious to take him all. I was being stretched and filled in the 'wrong' place but my body was telling me that everything was exactly right.Women know the sensation of a big hard cock filling up their vagina. Instead of that I now had that cock in my ass and although it was a weird feeling my body was heating up and my tits were tingling.Slowly Nick started to pulse his cock in and out of my ass. I was such a newbie I didn't even know what that meant. Slowly he was working himself deeper and deeper into me and soon I realized things felt very different. He felt huge in there and part of my brain worried I might burst. But the excitement from that big thing moving in my ass overwhelmed everything else.'You've done it,' he said to me with a smile. 'My whole cock is inside your ass. How do you feel?''I don't know,' I panted. 'It's weird but it feels so great. Fuck me now. Fuck my ass with your cock so I can feel everything.'Nick started to pulse back and forward again but this time his cock strokes were longer and he was starting to use a little more force inside me. 'Does it feel good?' I asked him anxiously. 'Does my ass feel good?'He smiled and went on fucking my ass. My first ever anal sex, first ass fucking, first ass reaming. I was in a kind of heaven but still I wanted it to be perfect.'Your ass feels great to me,' he said with a big smile.Nick's thrusting got longer and stronger and soon I was in a kind of reverie. The weird feeling was turning into an amazing glow right through my body and the 'filled up' sensations were starting to make me feel like I really needed to cum. It was the strangest feeling ever but somehow I knew that I was loving taking a cock in my ass.An orgasm was approaching and now I didn't even need to rub my slit. The feeling of that hard cock and the truth that I was being fucked up my ass was all I needed right then. The sensation of him moving inside my backdoor and the rubbing against my insides was becoming more and more exciting. My whole body was starting to feel turned-on.Of course I had no idea of what to expect or what would come next. But I knew what was happening when I started being overtaken by a massive new sensation and I realized that I was cumming while Nick had his cock up my ass.Holy shit, I came with a cock up my ass. I'd never believed it could really happen. It happened to me, though, and on that very first time. It didn't explode like most of my orgasms. It just kind of erupted from some other part of my body and it swelled up inside me and suddenly my whole body was on fire and the most incredible release just came over me.I tried to stay focused on Nick's cock thrusting into my ass hole but I just couldn't. It was the weirdest orgasm I'd ever had and even now I can't really describe it. But I felt so full and so sexy and so alive right then. I know I cried out loud as that climax rushed through my body and I lay there looking up at that stranger as he continued to pump himself into my ass hole. I just couldn't really believe what it was doing to me.Soon Nick seemed to guess what was happening and as that first ever anal orgasm passed he carefully slid himself out of my hole. There was that same feeling of emptiness like when a cock pulls out of my slit and I imagined I'd been opened so wide that my anus stayed open even after Nick left me.I still felt sensational though and the feeling of that first anal fuck and that first orgasm still filled my body and my brain. I lay for there for a long time next to Nick with him holding me and asking if I was OK. All I could do was nod.Eventually I did recover my breathing and calmed down enough to think about what had just happened to me. Believe me, right then I told myself I would be a slut for anal sex and that no matter what happened I would find a way to get my hubby to do that to me.We did plenty more oral and fucking that day, though Nick insisted we should let my asshole rest after all that activity. I made Nick promise that next time he would fuck my ass from behind, doggy style. I really wanted that and by now I knew that my little hole could fit the whole of a big hard cock.I went home that word buzzing in my brain; sodomy. I had committed sodomy. I had been sodomized. I was so turned on that at home that night I practically demanded that my hubby fuck me good and hard. I insisted on doing it doggy style so I could get all his cock inside me and really feel the fucking and thrusting. Hubby has a gorgeous cock that looks and feels so great. I could almost worship that part of him. The whole time he was humping me from behind I was imagining how it would feel when I could take him in my ass instead.That weekend I was still on a big high and feeling horny, talking my hubby into still more sex than he would normally need to give me. What was best was that one time I screwed up my courage when hubby was eating my slit and I quietly asked him to go lower with his tongue. He did, too, and I really enjoyed the dirty feeling and the softness of his tongue on my anus. It wasn't a proper rim job but it was a first for us and I enjoyed it.The next night I took a long shower before bed and then I somehow managed to ask if he would lick both my holes. Hubby agreed but I could see that he wasn't sure what I was after. So I lay on my front for him, legs apart to display my holes and asking him to lick them both. Whenever his tongue went near my backdoor I moaned a little louder. It was only a small fake. That did the trick, however, and hubby slowly got into it some more till I was feeling pretty good. That was kind of my first ever rim job from hubby and I knew with practice he was only going to get better.Finally hubby couldn't hold out any longer and he asked me what was going on. 'I love you sweetheart but I am wondering why all this extra attention to your lovely ass.'So I told a small lie. 'I want to prepare myself. Get me ready for you.''For me? For what?''You know. For you in my asshole.''Me in your asshole?''Darling, I know a lot of men enjoy anal sex. You know some women enjoy it too. I want to try it with you. I want to try and see if I can give that to you like other women do for their husbands.''You want me to fuck your ass so I won't get it from other women?''Sweetheart, I don't care about other women. I am your wife and it's time we tried something new in bed. I just thought that if you wanted to fuck me back there then I want us to try it.'We talked and fucked some more that night. It took less than 24 hours for hubby to decide that he did want to do that. So long as I really thought we should try it. I nearly burst out laughing.It was noticeable after that night how much more eager hubby became to rim me and lick both my holes. Helping to 'prepare' me he was. And I can report that without much encouragement from me he was quickly improving his technique and I was enjoying it more and more. I suppose I was making up for lost time, too.Thanks to my extra libido we were fucking like rabbits and soon I graduated him to fingering my ass while he licked my slit. That took a little more practice and I had to show him how to get a finger wet with the moisture from my slit and then add some saliva as well. The orgasms were not as explosive as that first time with Nick but I didn't care really. I was having a great time with my hubby as he practiced his new technique on me.I met Nick again too. I was shaking and nervous and more happy than ever that he had such experience and poise in this situation. Like always there was the fear of being discovered. This time there was the extra thrill from knowing I was going to take a cock in my ass doggy style.In the hotel room I allowed Nick to take the lead as usual. This time I got a gentle surprise when he put his hands on my shoulders and gently pushed me down to my knees. I knew what he wanted, of course, but no-one has done that to me in years.It was kind of fun, though, and I soon had his cock out of his trousers and in my mouth while I knelt in front of him.On the bed we did all our usual preliminaries of sucking and licking. He got me so incredibly turned-on like he always did. For a casual sex fling I can say this man was very attentive and considerate of my needs.We fucked in missionary for a little while and I did my best to enjoy it and relax. His cock felt great inside my slit but, again, I found myself thinking only about how it was going to feel inside my asshole.When he was ready, Nick flipped me onto my hands and knees and I got another of his lovely, long ass lickings. He also paid attention to my slit and to my clit and soon I was feeling red hot and completely randy.The feeling of his cock in my slit as he entered me from behind was sensational. All I really was aware of right then was how much more intense I wanted my pleasure to be. He could either slam into my vagina or he could take my almost virgin ass. I got a nice steady humping and he even reached under me to rub my nipples and my clit.He stuck his finger into my backdoor again that afternoon and I was so turned-on that I just grunted and gasped and came even harder. I loved the way he was stretching out my hole but the real thrill was knowing that his cock was going to go into that same place at any minute. Oh fuck, I came hard for Nick as he screwed me like that, knowing I was a dirty wife who really does enjoy a strange cock in her slit.When I felt Nick withdraw his cock from my slit I knew my moment had come. I think he applied a little lube to himself. Then his finger popped out of my ass and was replaced with something that felt much bigger and more wonderful.The firm pressure he put against my rear opening made me gasp and pant harder. It was just the head of his cock but now I knew for sure it would fit and that his entire shaft would soon fill up my bottom. Being in front of him on hands and knees felt so incredible and to me this was really the moment of my introduction to anal sex.I don't know why but for some reason I had gotten the idea that being ass fucked doggy style is really the proper way to do it. It just seems so primitive and animal and it means that the cock can go as deep and hard as possible. I adore the thought that in doggy position my dear hubby can choose either hole for his cock to enter. At first the idea brought a little fear but it seemed the best way to feel everything and fully take a cock inside my ass hole. That kind of more extreme fucking was what I had been wanting.That day in the hotel I knew I was going to be penetrated and stretched like I'd never felt before. Right then I wanted it so bad. 'Fuck me, Nick. Fuck my ass,' I murmured to him. He didn't really need the encouragement but he was good enough to remind me that I should be stroking my clit as he pierced my little opening.With the first push I felt the head of his cock enter my back door. Already I felt so full. I was panting and moaning as he worked himself deeper. I was a little afraid but I was feeling greedy and I just wanted another of those amazing orgasms he had given me before.Just like the first time, having his cock in my ass like that felt so weird and so amazing at the same time. I already knew that I loved the feeling of being so filled up and feeling so dirty.Like before there was a brief moment of pain that felt like my skin was tearing. Nick must have been paying extra attention because somehow he sensed the problem and he slowed for a moment and applied some extra wetness to his lovely hard cock. I was worried he would stop and you know I really would have taken the pain right then to get his cock fully inside my ass. I just kept rubbing my clit and somehow that made the pain go away.Then with a few more firm pushes I knew Nick was buried deep inside my ass hole.'Don't stop,' I panted. 'Don't stop. Fuck me please Nick.'That's what he did and it could not have felt better. He started with the same gentle pulsing back and forth. This time I knew I was being ass fucked for real. Then soon I could feel him really stroking inside my backdoor and straight away it was feeling even better. I kept rubbing my clit and the mixture of sensations was so obviously going to bring me off in a massive way.I felt Nick go deeper into me from behind and it made me feel even more turned-on and excited about what he was doing to me. I started to push back against him, wanting him fully inside my ass. The feeling was sensational and so animal-like. I didn't even care anymore about it hurting me. My whole body was feeling so, so fantastic I just wanted to be reamed continuously.Fucking hell, but soon I felt myself start to cum. It felt so great the way his cock stretched and rubbed inside my backdoor. Taking a cock in my ass was suddenly feeling incredible. I started to shove my head into the pillow as I began to lose control and Nick must have picked up the signals. I felt him thrust even deeper and harder into me and he was really starting to pump his cock onto me. I was getting the proper ass fucking I had imagined so many times.Fuck, Nick was so good at what he did to me because by the time he finished I had buried my face into the bed and screamed out orgasm after orgasm. I lost count of my explosions and I really don't even remember what Nick did to me. But the physical and mental joy of being ass fucked from behind was the most incredible feeling I had ever had.OK, so I will admit that some of his pumping did cause me a little bit of hurt but I never once thought about telling Nick to stop or even to slow down. I wasn't afraid of the pain anymore and somehow it actually made me feel more excited, knowing I was really taking a cock pounding in my novice ass.By the time I was done and needing a rest Nick pulled out slowly and let me fall flat onto the bed. I felt so incredible, really alive. My whole body felt amazing and my little hole wasn't sore at all. Nick got up from the bed and I could see he was going to remove the condom. I got to see the mess on the condom and that wasn't a good moment. I was still a newbie. But I did see clearly that Nick had shot his load whole in my ass and the rubber bulged nicely as it held his seed. I felt quite excited and proud that this man had actually cum while fucking my asshole.Not much else happened that day but I was so happy and on such a high that I didn't mind. I knew right then that hubby was going to get lots of practice sticking his gorgeous cock into my ass. I just had to teach how to do it.Nick and I showered together that day. Afterwards I went down on my knees again. Voluntarily this time. I admit by now I was quite fond of Nick and his yummy cock. I know I was engaged in a kind of cheating but I felt really good about myself as I sucked his cock and swallowed all his seed.That Friday night I had hubby licking my asshole as soon as I could get him into the bedroom. I was on heat really badly and I didn't care what hubby thought as I took charge of the action. Then I positioned myself on my back with two pillows under my hips and told hubby him that after he fucked my slit this would be the night when his cock would enter my bottom for the first time.Of course his fucking was wonderful and his gorgeous cock made me feel as good as it always does. I just kept thinking, though, about how it would feel in my bottom so I wasn't going to wait. He spread around a lot of lube and made sure some went inside my back door. Everyone says use lots of lube but the problem became that everything was too slippery. Hubby nearly went back in my slit a couple of times which didn't make me too happy. It was just a lack of experience all round.So the next night we were back at it, this time with just a little lube for my hole and mostly my juices and his spit on his cock. I was so excited I was afraid I would spoil everything. I did my usual and made sure I was rubbing my clit like I had learned. I didn't want anything to go wrong or give hubby any excuse to stop, ever.I felt that now familiar pressure of a cock pressing against my backdoor. It was my hubby's cock this time and I was almost gagging for it. Again I felt the excitement of knowing what was about to happen to me.He followed my instructions and with a big push the head of hubby's cock was inside my sphincter. I groaned with passion as he began to stretch my hole. Of course I did, my darling hubby was about to fill my asshole with his wonderful hard cock. I had to remember he'd not had any experience or teaching so it was really important that I concentrated and made sure we both went slow.I coached hubby on how to work his length into my anus. It was sensational to feel his cock in my backdoor. By now I knew I loved the feeling of being filled and stretched and I wanted still more of him inside me. Each time hubby thrust in I made him add some more saliva. The great thing was that for some reason I never got that feeling of tearing. Maybe it was because hubby didn't need to use a condom. Or maybe I was even more excited because I knew this was the first time of many that his gorgeous cock would be going up my ass.Following my instructions hubby slowly filled and stretched my ass hole. Oh shit, I do love his cock so much. It is a wonderful thing and now, for the first time, I felt the thickness of him as he slowly shoved himself into my waiting asshole. He'd never felt so big before. Slowly I taught hubby how to fill and stretch my ass hole.That night we only got about half that wonderful cock into my hole. It felt so great to finally have him filling me up back there. Even with only half his cock I felt properly stretched and filled up. There was no orgasm for me that night but I'd made my hubby fuck my backdoor and had enjoyed every bit of it. I even got him to move back and forward a bit and try to fuck my hole. Hubby said that he really enjoyed it and I knew it was true. I was as happy as I could have been and so in love with my hubby and his cock.It was only a few nights later when we tried again and this time we got him all inside me. How exciting that was, let me tell you. This time he humped me slow but steady and I was moaning for him without even trying. The amazing feeling of having my hubby in my ass, plus some more rubbing of my clit, meant I got my first ever ass sex climax with hubby. It was slow and gentle but I still loved every minute of it and the amazing sensations I was getting. It was a special moment and afterwards I told him how much I loved him.Sodomy; it felt great. I still enjoyed playing with that word, turning it over and over in my mind, thinking how nasty and dirty I could be. I let my husband sodomize me. In fact I'd allowed myself to be sodomized by two men. I was already enjoying my new attitude to sex and being more adventurous.The next Saturday night we did it again and this time we both came. Mine still wasn't as powerful as Nick had given me but I didn't care about that at all. Besides, I was happy for us to keep practicing. I did love it, however, when hubby shot his seed inside me. It was a magic moment for me, as his wife. Plus I knew it meant he would keep wanting my ass hole after that. There was a bigger mess that night as he leaked out of me but we managed to make it to the shower in time, mostly.All of this, naturally, brought me to the moment of truth. I had pursued anal sex because I wanted to learn some new sexual pleasures and because I wanted our sex life to be more open. I had made a secret deal with myself and I had to go through with it. I would have felt really guilty if I'd not finally asked hubby what else he would be turned on by trying.I was a little surprised when hubby told me, after a lot of hesitation, that he wanted to try cumming on my face sometimes. Personally, I have never had much interest in that particular act and I've never really accepted that men want to do that. But there was no point being a coward or a hypocrite. I was his wife and I was after some new sexual experiences. Of course I told him I wanted him to do that to me.About a week after that I got the courage to tell hubby this was the night I wanted him to cum on my face. I sat on the side of the bed and gave him a long stroking and sucking of his gorgeous cock. I have always enjoyed having a man cum on my skin but I had never really wondered how it would feel to have it land on my face. It felt a little taboo and dirty and I reminded myself that that was the kind of fun I had been looking for.At the end hubby took over and I was surprised to see how excited and turned-on he was by it all. I watched him stroke his shaft until without any warning his seed was shooting out of his little hole and splashing onto my face. Hubby must have been extra excited because there seemed to be more of his seed than usual.To tell you the truth it didn't feel bad at all, except for one small bit that landed in the corner of my eye. But feeling his hot, fresh seed on my face actually was OK. He gave me such a big load and I was covered in his seed. I felt like a bit of a porn actor but it wasn't any worse than having him leaking from my ass. And I was happy enough that when he was done I took his cock into my mouth and licked and sucked him till he was nice and clean.The best part, the most rewarding part, was seeing the excitement in his eyes and hearing it in his voice. I am his wife and I love him and I felt great to have given him a really special treat. So, of course, we have done it many times since then. Sometimes I ask and sometimes he does. It feels better and more fun each time.Finally I got hubby to open up about other sexual things he wanted us to try. I got a massive shock when hubby mentioned he was interested in the idea of same room sex with other couples.I was the one who asked him if he meant wife swapping. So I guess I deserved it when hubby shocked me again and said that 'yes', he had been thinking about that too. Only if I was totally OK and willing of course.I could see the funny side of it all but suddenly I knew my plans had kind of backfired on me. Well, at least I realized I had created some kind of monster. I love my hubby so much and I suppose there was a little guilt about me having fucked with Nick. What could I do? I had told myself I wanted to give us both a more interesting and varied sex life. Hubby had made a suggestion and I had to say 'yes'.Now we are seriously thinking about a couple that we can swap with. Because of everything I did with Nick, I know I can do it and have sex with a stranger, even in front of hubby. I would love to feel the sensation of a different man fucking me again. I am only reluctant because I am worried that if I give up my hubby, with his gorgeous cock and all his fucking skills, the other woman will have a great night while I get humped by her dud of a husband.I confess it's not such a terrible or shocking idea really. After my experiences with Nick I am sure it will be fun.So far we've only gone as far as same room sex with two other couples. To be honest, I enjoyed the fact that they both stared at me as I fucked hubby. I had fun showing them what we could do as lovers and letting them see hubby's beautiful cock.The second couple got a bit complicated when the wife started coming-on to me the second time we played together. She had been up-front about being bi-sexual. I didn't mind that at all but her advances were unexpected and I was not really ready for that. It was a bit of a shame because I know both boys would have enjoyed it very much. Maybe another time I'll let hubby have that bit of fun, or maybe with a different woman who turns me on as well.In the meantime I am getting great anal sex at home on a regular basis. In fact, things are only getting better and better in that department. Hubby has become as good at fucking my ass as he is at all the other things we do in bed. I have even started giving him a few rim jobs as well, though hubby is sure he doesn't need any penetration in his back door.I red somewhere of a woman who said she enjoyed anal even more than having a cock in her slit. I am sure I'll never feel quite like that but it's also true that I will never get tired of ass fucking.At least once a week now I get into doggy position while hubby squeezes his big, hard cock into my tight little asshole. He enters me back there, going slow and gentle and letting me feel every tiny bit of his gorgeous cock. I always moan and rub my clit as I adjust to his big hard cock and savor the feeling of ass sex. I find that my nipples get so hard and I get an extra pleasure as they rub against the bedsheets. Having regular anal sex has made me even more horny and responsive than before.Then hubby takes control of me and he humps me hard and deep and I get to bury my face into the pillows, screaming out as I cum and cum and cum. When I'm done and I can't cum any more I always get the ultimate pleasure of feeling my wonderful hubby shoot his seed deep inside my bowels.I told you that I almost worship hubby's cock. To take him in my slit and now my ass makes me so happy and fulfilled. He feels so big back there that I can feel his size even better than in my slit. I am just as excited to know I that I can give him such a special sex treat. Anal sex is a dirty pleasure for me and it's even better to share it with the man I love.So you can see that my dream came true and I am so happy and relieved. I got the sexual variety I craved and I got to make my hubby so very happy as well. The hard thing was to find a lover to teach me. I don't think I'd ever have asked hubby to fuck my ass if I hadn't had that experience with Nick. Maybe other women would do it differently. But I still have no regrets about what I did to achieve my desire to turn my husband into a regular ass-fucker and to lust after my ass hole so much.That was not entirely the end of my little adventure with Nick. Despite having hubby taking me regularly in my ass, it was very hard to walk away from Nick's ass fucking technique. Plus Nick was so sweet and made my body feel so alive that I had to go back for more. Nick also taught me a few other sexual tricks before I finally drew a closure to our affair. I haven't tried any of those new tricks out with hubby yet. But in time I am sure I will.Oh, and my friend Louise wants to know all the details of everything I did with Nick. But I am making her wait as well.Based on a post by m jar65, for Literotica.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2508: Letting go of the need to change others is an act of love, trust, and personal growth. Shana Olmstead explores how embracing each person's unique journey, without frustration or expectation, leads to deeper relationships and greater peace. Instead of pushing change, she suggests sending positive energy and faith in their evolution, allowing transformation to unfold naturally. Read along with the original article(s) here: https://shanaolmstead.com/2019/05/28/let-others-voluntarily-evolve/ Quotes to ponder: "Love is not trying to change someone. Love is not trying to figure out their motivations or analyze their actions. Love is not wishing someone was different than how they are right now." "No one can make someone else evolve. Until the person is ready themselves, there is nothing someone can do or say that can make another person change their consciousness." "Think of someone you think needs help. Instead of sending the energetic message of fear and worry, send them messages of love, wholeness, and perfection." Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textLet's face it, maybe no subject is more sensitive than our money - whether it's being asked to give money, getting scammed out of money, or deciding how much money you need to sock away for a rainy day. God blesses us with material possessions. To some He gives a lot, to others He gives less. But He expects all of us to be grateful for what He gives us, be responsible with what He gives us, and use discernment when using what He gives us. Paul gives us some great advice on how we accomplish all of this!Thanks for tuning in! Be sure to check out everything Proverbs 9:10 on our website, www.proverbs910ministries.com! You can also follow us on Facebook, Instagram, Rumble, YouTube, Twitter, Truth Social, and Gettr!

25th Ward Alderman Byron Sigcho Lopez joins Lisa Dent to discuss the story surrounding comments a reporter made after she was being removed from his public meeting calling it a ‘mischaracterization’. Ald. Sigcho Lopez explains the events that transpired on the day of the meeting and shares what he believes was left out of the […]

This week, news that incarcerated firefighters were VOLUNTARILY helping the Los Angeles Fire Department... Broke. The. Internet. In honor of those heroes, Julie & Brandy interview Sam Lewis from The Anti-Recidivism Coalition. JOIN JULIE & BRANDY'S PATREON! (No Politics. No Ads!) FREE PATREON EPISODES TO TRY:** Wrong Side of GoFundMe: Feb 2024** Blind Item Fr iday: April 2024** Windows Up, Sing Time: Sep 2020** Trunkkies: Fe b 2019 CHECK OUT OUR T SHIRTS! FOLLOW JULIE ON INSTAGRAMFOLLOW BRANDY ON INSTAGRAM FOLLOW/DONATE TO THE ANTI-RECIDIVISM COALITION & SAM LEWISARC INSTAGRAM: https://www.instagram.com/antirecidivismcoalition/SAM LEWIS: https://www.instagram.com/swlewis01/ARC: https://antirecidivism.org DEALS FROM OUR SPONSORS:** NUTRAFOL: Save $10 off your first month subscription + free shipping. Go to www.Nutrafol.com and enter promo code DGP at checkout. ** THE MATZO PROJECT: Save 15% off of your entire purchase...

Australian Grand Slam Champion Max Purcell has entered a voluntary provisional suspension after breaching tennis’ anti-doping rules. Nine's tennis expert Brett Phillips told Jason Matthews on 4BC Wide World of Sports, 'we see with the best players, these cases tend to get resolved very quickly.' 'That's been the big argument in tennis, the further down you are the chain, these things drag on.' 'Hopefully they're getting better at getting these things resolved quicker, but we just have to wait and see,' Phillips said. Brett Phillips has also tipped Alexei Popyrin to be the Australian to watch this year.See omnystudio.com/listener for privacy information.

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Australia votes for immediate ceasefire in Gaza at the UN; Donald Trump invites China's leader to his inauguration; The chances of a February interest rate cut have taken a tumble after Australia's unemployment rate unexpectedly fell to 3.9 per cent; Voluntarily missing woman Hannah Kobayashi has been found alive and well in Mexico. The Quicky is the easiest and most enjoyable way to get across the news every day. And it’s delivered straight to your ears in a daily podcast so you can listen whenever you want, wherever you want...at the gym, on the train, in the playground or at night while you're making dinner. Support independent women's media Feeling festive? Gift a Mamamia subscription! Head here to give the best stuff for women. CREDITS Host/Producer: Nicole Madigan Audio Producer: Tegan SadlerBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Cuando el Espíritu de Dios está moviendo entre su pueblo, Salmos 110:3, es normal ver las familias haciendo los grandes sacrificios.

Immigration Minister Marc Miller said that he expects the nearly 5 million people living in Canada with visas poised to expire by the end of next year to leave the country voluntarily. Plus, Alberta will invoke the Alberta Sovereignty Within a United Canada Act to counter the Liberals' oil and gas emissions cap. And the police chief of London Ontario is sounding the alarm on “safe supply” drugs fuelling the black market. Tune into The Daily Brief with Lindsay Shepherd and Isaac Lamoureux! Learn more about your ad choices. Visit megaphone.fm/adchoices

Historian and UFO investigator Richard M. Dolan said during one of his recent YouTube shows that he doesn't believe the reality of the UFO phenomenon will ever be voluntarily disclosed by the Pentagon. “I imagine there will not be a disclosure so much as an eventual confirmation,” Dolan said. Links/Sources: Questionable Findings - AARO's Senate Testimony - YouTube AARO Open Hearing Case Slides: Senate Armed Services Subcommittee on Emerging Threats and Capabilities Pentagon says ‘no verifiable evidence' of extraterrestrial beings or technology | Fox News Flying Saucers and Swamp Gas | Bentley Historical Library Check out my YouTube channel: Quirk Zone - YouTube Extraterrestrial Reality Book Recommendations: Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSI Link to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqi Link to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52nj Link to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfv Link to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfT Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlv Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1l Link to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSg Link to UFO CRASH RETRIEVALS by Leonard Stringfield: https://amzn.to/3RGEZKs FLYING SAUCERS FROM OUTER SPACE by Major Donald Keyhoe: https://amzn.to/3S7Wkxv CAPTURED: THE BETTY AND BARNEY HILL UFO EXPERIENCE by Stanton Friedman and Kathleen Marden: https://amzn.to/3tKNVXn --- Support this podcast: https://podcasters.spotify.com/pod/show/james-quirk/support

Historian and UFO investigator Richard M. Dolan said during one of his recent YouTube shows that he doesn't believe the reality of the UFO phenomenon will ever be voluntarily disclosed by the Pentagon. “I imagine there will not be a disclosure so much as an eventual confirmation,” Dolan said. Links/Sources: Questionable Findings - AARO's Senate Testimony - YouTube AARO Open Hearing Case Slides: Senate Armed Services Subcommittee on Emerging Threats and Capabilities Pentagon says ‘no verifiable evidence' of extraterrestrial beings or technology | Fox News Flying Saucers and Swamp Gas | Bentley Historical Library Check out my YouTube channel: Quirk Zone - YouTube Extraterrestrial Reality Book Recommendations: Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSI Link to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqi Link to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52nj Link to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfv Link to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfT Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlv Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1l Link to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSg Link to UFO CRASH RETRIEVALS by Leonard Stringfield: https://amzn.to/3RGEZKs FLYING SAUCERS FROM OUTER SPACE by Major Donald Keyhoe: https://amzn.to/3S7Wkxv CAPTURED: THE BETTY AND BARNEY HILL UFO EXPERIENCE by Stanton Friedman and Kathleen Marden: https://amzn.to/3tKNVXn --- Support this podcast: https://podcasters.spotify.com/pod/show/james-quirk/support

Today's program covers a wide array of topics that appeared organically throughout the program, beginning with celibacy, people are increasingly choosing to be celibate, are you one of them, and if so, what is your reasoning. Also, we talk about sexless marriages, the declining birth rate in America, and romance movies, do they make them like they used to?

Text us your thoughts on this episodeHost Heather Horn is joined by Mardi McBrien, Chief of Strategic Affairs & Capacity Building at the IFRS Foundation, and Katharina Bryan, Head of International Sustainability Reporting Policy at Amazon, to highlight the PwC and IFRS Foundation NYC Climate Week event: Sustainability disclosure in practice. Together they break down the event and share highlights, practical perspectives, and takeaways for preparers on their own sustainability reporting journeys.In this episode, they discuss:5:03 – What resonated most from the insightful discussions across multiple stakeholder perspectives7:58 – Preparer perspective on approaching regulatory reporting deadlines10:13 – Benefits of the collaboration between the IFRS Foundation and CDP16:05 – How sustainability reporting can drive positive change27:45 – Advice for companies overwhelmed by the abundance of sustainability reporting requirements31:47 – Where to find resources for developing skills to address sustainability reporting challengesSummary of the eventHeather Horn interviewed Emmanuel Faber, chair of the International Sustainability Standards Board, on all that it has accomplished in the last year in making its standards a true global passport – and of course the work yet to be done. (See video of that interview.)Emmanuel and Heather were joined by Sherry Madera, CEO at CDP, to highlight the impact of their collaboration. Diana Stoltzfus, PwC National office sustainability partner, moderated an investor discussion with Carine Smith Ihenacho, Chief Governance and Compliance Officer at Norges Bank Investment Management, and Richard Manley, Chief Sustainability Officer from CPP Investments, who both provided a unique perspective on what investors value in sustainability reporting as well as how it helps corporate directors. Mardi McBrien spoke with Katharina Bryan and others to get their “boots on the ground” preparer perspective.  Mardi provided an update on capacity building, sharing the latest on the IFRS Foundation's efforts to develop skills and resources to address sustainability reporting challenges.Looking for more about the IFRS Foundation? Tune into the IFRS Foundation's upcoming Webcast: Perspectives on sustainability disclosure, check out the recently released voluntary application guide, Voluntarily applying ISSB standards – a guide for preparers, or visit the IFRS Sustainability knowledge hub. Also, as referenced in the podcast, for more on capacity building, visit the Global Capacity Building Coalition's recently launched website.Mardi McBrien is the Chief of Strategic Affairs and Capacity Building at the IFRS Foundation responsible for sustainability reporting.Katharina Bryan is Head of International Sustainability Reporting Policy at Amazon.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pw

Ever felt stuck in a funk and wished you could just "get over it"? We all face tough times, but learning to navigate them can be the difference between sinking and swimming in life's choppy waters. In this episode, you'll discover practical strategies for building mental resilience, learn how tackling voluntary challenges prepares you for life's curveballs, and gain insights on shifting your perspective during difficult times. Listen now to arm yourself with tools to face life's challenges head-on and come out stronger on the other side. Topics discussed: Voluntarily taking on difficult tasks to build resilience The connection between past experiences and current challenges Recognizing and breaking negative emotional patterns The role of perspective shifts in overcoming obstacles Balancing knowledge about mental health with personal struggles The importance of objective support in mental health Choosing happiness as a tool for managing situational depression The long-term journey of managing depression and building coping skills Chapters 00:00 Facing Life's Challenges 02:49 The Impact of Depression 05:58 The Cycle of Seeking Attention 08:46 Understanding Mental Health 12:03 The Choice to Be Happy 15:00 The Journey of Healing ---- MORE FROM THE FIT MESS: Connect with us on Threads, Twitter, Instagram, Facebook, and Tiktok Subscribe to The Fit Mess on Youtube Join our community in the Fit Mess Facebook group ---- LINKS TO OUR PARTNERS: Take control of how you'd like to feel with Apollo Neuro Explore the many benefits of cold therapy for your body with Nurecover Muse's Brain Sensing Headbands Improve Your Meditation Practice. Get started as a Certified Professional Life Coach! Get a Free One Year Supply of AG1 Vitamin D3+K2, 5 Travel Packs Revamp your life with Bulletproof Coffee You Need a Budget helps you quickly get out of debt, and save money faster! Start your own podcast!    

The Constitution Study with Host Paul Engel – Many Americans are willingly surrendering their freedoms in exchange for government promises of safety and security. Whether it's parental responsibility or protection from misinformation, people are choosing control over liberty without realizing the consequences. This explores why we are so quick to give up our rights and walk into the chains of servitude.

The Constitution Study with Host Paul Engel – Many Americans are willingly surrendering their freedoms in exchange for government promises of safety and security. Whether it's parental responsibility or protection from misinformation, people are choosing control over liberty without realizing the consequences. This explores why we are so quick to give up our rights and walk into the chains of servitude.

Imagine owning a business and wanting to retire, but you can't. You're stuck, without a buyer in sight. This is a failure of planning.Later in life planning starts before you're old, and an exit plan for your business starts as soon as you start it. Whether it's training your successor, ensuring that revenue does not depend on you, or modernizing your operations to increase the profit margin, these are all aspects of planning that must be done for a valuable asset -- your business. In this episode, Mark Sussman (StrategicBizGroup.com) discusses how he helps business owners make the most of their family business or other closely held business. Voluntarily or otherwise, 100% of business owners will exit the place where they spent a lot of time, money, and energy. How that goes depends on how well you plan.

Become A Channel Member: https://www.youtube.com/channel/UCAQLEDkByO-ckKb_oq_Stpg/joinSUBSCRIBE to Patreon for exclusive content https://www.patreon.com/RealLyfeStreetStarzFollow us on Social Media:Website: www.ReallyfeStreetStarz.comTwitter: https://twitter.com/Reallyfe_214/Instagram: https://www.instagram.com/ReallyfeProductions/Instagram: https://www.instagram.com/ReallyfeStreetStarzFacebook: https://www.facebook.com/ReallyfeProductions/TikTok: https://www.tiktok.com/@reallyfestreetstarzSoundcloud: https://soundcloud.com/reallyfestreetstarziTunes: https://podcasts.apple.com/au/podcast/reallyfe-street-starz-podcast/CashApp: $RealLyfeProductions

PREVIEW: SOUTH CHINA SEA: PRC More conversation with colleague Grant Newsham for his book, WHEN CHINA ATTACKS, regarding how China took opportunities to build a strong fortified position in the South China Sea after the US voluntarily withdrew from the longtime base at Subic Bay, Philippines. More later this week. 1949 PLA

This Day in Legal History: Dutch Low Countries Independence from SpainOn July 26, 1581, the Dutch Low Countries signed the Plakkaat van Verlatinghe, also known as the Act of Abjuration, formally declaring their independence from Spanish rule. This monumental document marked the culmination of a prolonged struggle against the oppressive policies of the Spanish Habsburgs, particularly under King Philip II. The Act of Abjuration justified the Dutch rebellion by asserting that a ruler who does not protect his subjects and instead oppresses them loses his legitimacy. The declaration was a pivotal moment in the Eighty Years' War (1568–1648), which ultimately led to the establishment of the Dutch Republic.The Act of Abjuration is often compared to the later Declaration of Independence of the United States, as both documents articulate the right of a people to overthrow an unjust ruler. The Dutch provinces, driven by the desire for religious freedom, economic independence, and political autonomy, took a bold step in severing ties with one of the most powerful empires of the time. The Plakkaat van Verlatinghe underscored the principle that sovereignty resides with the people, a concept that would influence political thought in Europe and beyond.By declaring their independence, the Dutch not only sought to free themselves from tyranny but also set a precedent for future nations seeking self-determination. The Act of Abjuration remains a significant milestone in the history of democracy and the fight for human rights. It symbolizes the enduring struggle for freedom and justice, themes that continue to resonate in contemporary political discourse.The California Supreme Court has upheld Proposition 22, allowing Uber, Lyft, and other gig economy companies to classify drivers as independent contractors. This unanimous decision supports the 2020 voter-approved law, preventing a significant shift in labor costs and maintaining the companies' current business models. Had the ruling gone against Prop 22, these companies would have faced increased costs and operational challenges in California, one of their largest markets.Following the ruling, shares of Uber, Lyft, DoorDash, and Instacart surged, though the gains later moderated. Justice Goodwin H. Liu stated that California's constitution does not prevent voters from passing initiatives affecting workers' compensation. He emphasized that this ruling does not bar future legislative decisions to extend workers' compensation benefits to independent contractors.Gig companies hailed the decision, emphasizing that it reflects the will of millions of Californians. However, labor advocates criticized the ruling, arguing it unfairly burdens gig workers by denying them essential protections like minimum wage, sick leave, and overtime pay. Advocates, including the plaintiff Hector Castellanos, renewed calls for unionization to combat these perceived inequities.The ruling is seen as a victory for gig economy companies but signals ongoing legal and legislative battles. States like Massachusetts, New York, Washington, and Minnesota have tackled gig worker classifications with varying strategies, indicating the complexity and ongoing nature of this issue.California Gig Workers to Remain Contractors, Prop 22 Upheld (2)Justice Elena Kagan has proposed that Chief Justice John Roberts appoint a panel of experienced and respected judges to enforce the US Supreme Court's newly adopted code of conduct. Speaking at a judicial conference in Sacramento, Kagan expressed trust in Roberts to establish such a committee. This suggestion comes amid controversy over reports of lavish gifts received by Justice Clarence Thomas, highlighting the need for an enforcement mechanism to accompany the recently adopted code of conduct.Kagan acknowledged the challenges in determining who should enforce ethics rules for the justices but emphasized the necessity of finding a solution. During her discussion at the US Court of Appeals for the Ninth Circuit's annual judicial conference, she also criticized the practice of justices writing multiple opinions in a single case. She argued that this complicates the work of lower courts and prevents the Supreme Court from providing clear guidance.Kagan specifically mentioned the court's fractured decision in United States v. Rahimi, where seven justices wrote separate opinions despite only one dissent. This case, which upheld a federal gun law related to domestic violence, illustrated divisions among the justices on interpreting firearm restrictions. Kagan's comments follow a term marked by several controversial Supreme Court decisions, including limiting federal regulatory power and providing immunity to former President Donald Trump for certain official acts.Elena Kagan Endorses High Court Ethics Enforcement Mechanism (1)Apple Inc. has agreed to adopt a set of voluntary artificial intelligence (AI) safeguards established by President Joe Biden's administration. These safeguards aim to guide the development of AI technology and encourage companies to protect consumers. Apple joins other tech giants like OpenAI Inc., Amazon.com Inc., Alphabet Inc., Meta Platforms Inc., and Microsoft Corp. in committing to test their AI systems for discriminatory tendencies, security flaws, and national security risks. The companies also pledge to share test results transparently with governments, civil society, and academia, and report any vulnerabilities.This commitment coincides with Apple's plan to integrate OpenAI's chatbot, ChatGPT, into its iPhone voice-command assistant. However, Elon Musk, CEO of Tesla Inc., has threatened to ban Apple devices from his companies if OpenAI's software is integrated at the operating system level, citing security concerns. Musk has his own AI startup, xAI, which has developed a chatbot named Grok.AI technology has become mainstream, but its use in areas like law enforcement, hiring, and housing has faced criticism for fostering discrimination. President Biden has emphasized the benefits of AI while also warning of its potential dangers, advocating for responsible industry practices. Although the White House guidelines are comprehensive, they are not enforceable, relying on companies to adhere to the standards voluntarily.In response to the challenges of regulating AI, Biden signed an executive order last year requiring powerful AI systems to undergo testing to be eligible for federal government purchase. He is set to receive an update on the implementation of this directive. Meanwhile, a bipartisan group of lawmakers in Congress has expressed interest in regulating AI, but legislation has not yet been prioritized.Apple to Adopt Voluntary AI Safeguards Established by BidenManhattan prosecutors argued that Donald Trump's conviction should stand despite a Supreme Court ruling that presidents cannot face criminal charges for official acts. In a recent court filing, prosecutors emphasized that the charges against Trump involved personal conduct, specifically the hush money payment to Stormy Daniels, and were unrelated to his presidential duties. Trump was convicted on 34 felony counts for falsifying business records to cover up the payment made by his lawyer, Michael Cohen, before the 2016 election. Trump denies the encounter and plans to appeal the verdict. Legal experts believe the request to overturn the conviction is unlikely to succeed as the conduct predates Trump's presidency. Trump's defense claimed the prosecution improperly used evidence of his official acts during the trial, including Twitter posts and testimonies from White House aides, but prosecutors argued these were related to personal matters. The judge, Juan Merchan, postponed sentencing to September 18 to allow Trump's lawyers to present their case. If the conviction is upheld, sentencing will proceed, and Trump can then appeal to a higher court.Trump hush money prosecutors say conviction should stand despite immunity ruling | ReutersThis week's closing theme is by Ludwig van Beethoven, a composer of some note.Ludwig van Beethoven, one of the most revered composers in the history of Western music, was born in 1770 in Bonn, Germany. His innovative compositions bridged the Classical and Romantic eras, leaving an indelible mark on music that continues to inspire and move audiences worldwide. Despite becoming profoundly deaf in his later years, Beethoven's prolific output includes symphonies, concertos, string quartets, and piano sonatas, showcasing his genius and resilience.One of his most remarkable works is the Piano Sonata No. 32 in C minor, Op. 111, completed on July 28, 1822. This sonata is the last of Beethoven's 32 piano sonatas, representing the culmination of his explorations in the genre. The piece is notable for its profound depth, structural innovation, and emotional intensity, characteristics that reflect Beethoven's mature style.The sonata consists of two contrasting movements. The first movement, "Maestoso - Allegro Con Brio Ed Appassionato," opens with a dramatic, solemn introduction that sets the stage for the ensuing allegro. This section is marked by its passionate energy, dynamic contrasts, and intricate rhythms, driving forward with a relentless, almost fateful momentum. The movement's thematic material is both complex and expressive, embodying Beethoven's masterful ability to fuse technical brilliance with deep emotional expression.The "Maestoso - Allegro Con Brio Ed Appassionato" serves as a testament to Beethoven's ingenuity and his capacity to convey profound human experiences through music. It challenges the performer with its technical demands while offering listeners a rich, emotional journey. The sonata's significance lies not only in its technical mastery but also in its philosophical depth, inviting interpretations that delve into the realms of struggle, resolution, and transcendence.As we close our week of shows we invite you to immerse yourself in the powerful and evocative sounds of Beethoven's Piano Sonata No. 32 in C minor, Op. 111. Let the intensity and passion of the first movement, "Maestoso - Allegro Con Brio Ed Appassionato," carry you through its intricate and emotive landscapes. Enjoy this timeless piece and allow Beethoven's genius to resonate within you.Without first ado, the first movement of Beethoven's Piano Sonata No. 32 in C minor, Op. 111, enjoy.  This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

A.B. Ridgeway explores the phenomenon of supersavers—individuals who contribute significantly to their retirement savings. He discusses the historical context of supersavers, their financial habits, and practical strategies for listeners to become supersavers themselves. Ridgeway emphasizes the importance of consistent saving, the power of living below one's means voluntarily, and the benefits of making saving as automatic as bill payments.Key Takeaways:Historical Context of Supersavers: Financial crises, such as the Great Depression, the 1980s stock market crash, the dot-com bubble, and the 2020 global events, have led to generations adopting conservative saving habits. These periods of economic uncertainty have underscored the importance of financial preparedness and the role of supersavers in weathering financial storms.Understanding Supersavers: Supersavers are defined by their ability to save more than 10% of their income, often prioritizing their financial future over immediate consumption. This disciplined approach allows them to build substantial nest eggs, ensuring financial security and the ability to maintain their lifestyle in retirement.The Discipline of Saving: Ridgeway emphasizes that saving is a challenging yet rewarding discipline. Choosing to save means choosing a different kind of hardship—one that brings long-term benefits. Voluntarily living below one's means is preferable to being forced into financial constraints due to lack of preparation.Automating Savings: Just as many people automate bill payments, supersavers automate their savings. By setting up automatic contributions to their retirement accounts, they ensure consistent and disciplined saving without the need for constant decision-making. This method leverages the same convenience that leads many into debt, turning it into a powerful savings tool.Community and Support: Engaging with a community that values saving can reinforce good financial habits. Discussing savings goals with peers, joining financial literacy groups, and attending webinars can provide valuable insights and motivation. Seeing others succeed financially can inspire and guide one's own journey toward becoming a supersaver.Quotes:"Every financial tragedy has created a generation of supersavers.""You have to choose your hard. Savings is hard, but living in debt is also hard.""There are no microwave millionaires. Consistent contributions at a high rate over many years are key to building wealth."

A.B. Ridgeway explores the phenomenon of supersavers—individuals who contribute significantly to their retirement savings. He discusses the historical context of supersavers, their financial habits, and practical strategies for listeners to become supersavers themselves. Ridgeway emphasizes the importance of consistent saving, the power of living below one's means voluntarily, and the benefits of making saving as automatic as bill payments.Key Takeaways:Historical Context of Supersavers: Financial crises, such as the Great Depression, the 1980s stock market crash, the dot-com bubble, and the 2020 global events, have led to generations adopting conservative saving habits. These periods of economic uncertainty have underscored the importance of financial preparedness and the role of supersavers in weathering financial storms.Understanding Supersavers: Supersavers are defined by their ability to save more than 10% of their income, often prioritizing their financial future over immediate consumption. This disciplined approach allows them to build substantial nest eggs, ensuring financial security and the ability to maintain their lifestyle in retirement.The Discipline of Saving: Ridgeway emphasizes that saving is a challenging yet rewarding discipline. Choosing to save means choosing a different kind of hardship—one that brings long-term benefits. Voluntarily living below one's means is preferable to being forced into financial constraints due to lack of preparation.Automating Savings: Just as many people automate bill payments, supersavers automate their savings. By setting up automatic contributions to their retirement accounts, they ensure consistent and disciplined saving without the need for constant decision-making. This method leverages the same convenience that leads many into debt, turning it into a powerful savings tool.Community and Support: Engaging with a community that values saving can reinforce good financial habits. Discussing savings goals with peers, joining financial literacy groups, and attending webinars can provide valuable insights and motivation. Seeing others succeed financially can inspire and guide one's own journey toward becoming a supersaver.Quotes:"Every financial tragedy has created a generation of supersavers.""You have to choose your hard. Savings is hard, but living in debt is also hard.""There are no microwave millionaires. Consistent contributions at a high rate over many years are key to building wealth."

The press and Democrat elites want Joe Biden to quit. But instead, Biden is digging in. Alex Marlow of Breitbart says this shouldn't be a surprise at all. Marlow digs into Biden's career and psychology, explaining why he is confident Biden will never agree to step aside, and why Biden may not be as finished as he looks. Plus, the polls say Donald Trump is ahead right now, but make no mistake, if Republicans don't master the voting process, November 5 will be a disappointing night. Lee Zeldin discusses what individual conservatives can do to help Republicans dominate the turnout game.Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

The press and Democrat elites want Joe Biden to quit. But instead, Biden is digging in. Alex Marlow of Breitbart says this shouldn't be a surprise at all. Marlow digs into Biden's career and psychology, explaining why he is confident Biden will never agree to step aside, and why Biden may not be as finished as he looks. Plus, the polls say Donald Trump is ahead right now, but make no mistake, if Republicans don't master the voting process, November 5 will be a disappointing night. Lee Zeldin discusses what individual conservatives can do to help Republicans dominate the turnout game.Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Latest news from 22 June 2024, as reported in the Ukrainian media. Easy ways to support us: Subscribe to our Patreon to give monthly support https://www.patreon.com/highlightsfromukraine Send us a one-time 'thank you' tip via PayPal at: highlightsfromukraine@gmail.com Out YouTube channel: https://bit.ly/3oH111z Special thanks to our top Patreon supporters - Helena Pszczolko O'Callaghan, mattg629, krissi, Jared and Dick Warner!

Nancy Simmers served as the death doula for Kate Christie's mother when she chose VSED (Voluntarily Stopping Eating and Drinking) to hasten her death. How did Nancy's path take her from working as a birth doula to becoming a death doula? How did her expertise grow over the years? How does she support the individual and the family in a VSED situation? What are the three typical parts of a death by VSED? This two-part podcast is an eye-opener on a subject that most of us know little about. Last week's episode: a conversation with the daughter who experienced her mother's death by VSED.

Interview with Alex Spektor, the director of movie 'Anzacs from Russia - The Untold Story' - Интервью с режиссером документального фильма 'Anzacs from Russia - The Untold Story' Алексом Спектором.

In this compelling and heartfelt video, Pastor Ian Simkins of The Bridge Church in Spring Hill, TN, delves into the transformative week he chose to experience homelessness firsthand. With vivid detail and raw emotion, Pastor Ian shares insights from his journey—challenges faced, lessons learned, and the profound impact it had on his faith and ministry. From the streets of Philadelphia to interactions with the homeless community, his story reveals the depths of human kindness and the societal gaps that often go unnoticed. Join Pastor Ian as he reflects on the importance of true, incarnational hospitality and the subtle, powerful ways we can embody the teachings of Jesus in our everyday interactions.

Episode #12 In this episode, we explore the transformative power of embracing discomfort as an artist. From grappling with frustration in learning new skills to facing the fear of creative stagnation, we uncover how discomfort signals growth and opportunity. Discover practical strategies for navigating challenges like low engagement on social media and artist's block, and learn why pushing through that extra 20% of discomfort can lead to profound artistic breakthroughs. Join us on the journey to artistic mastery by embracing discomfort. The Art Coach Program is a transformative experience designed to elevate your artistic journey. With a growth mindset and fully customized approach, the Art Coach Program is your proactive coaching system to overcome self-doubt, unleash your creativity, and step confidently into your artistic potential. If you're ready to follow a proven system, gain accountability, and access a supportive community, visit ⁠⁠⁠https://theartcoach.art⁠⁠⁠ to sign up today and embark on a journey of artistic growth and transformation. Your next chapter starts now. If you've found value in The Art Coach Podcast, I'd greatly appreciate your support. Kindly subscribe and leave a 5-star review to help me reach those who may benefit from my content. Artists everywhere are silently struggling, and your simple action can make a meaningful difference. If you believe my podcast could help someone you know, please consider sharing it with them. Your contribution can create a positive impact on fellow artists' lives.

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SERIES 2 EPISODE 140: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:44) SPECIAL COMMENT: The story that Robert F. Kennedy Junior wants football quarterback Aaron Rodgers to be his Vice President has now mutated from the ludicrous real life realms of the proverbial idiocracy, to shameful and disgusting and disqualifying and it is now SO bad that he will be lucky, WHEN this is over – IF it is ever over – if he still has a football career. It is THAT bad. CNN's Pamela Brown now reveals that nearly ELEVEN years ago – she was introduced to Aaron Rodgers at a post-Kentucky Derby party and, quoting Brown's story: “Hearing that she was a journalist with CNN, Rodgers immediately began attacking the news media for covering up important stories. Rodgers brought up the tragic killing of 20 children and 6 adults by a gunman at Sandy Hook Elementary School, claiming it was actually a government inside job and the media was intentionally ignoring it.” The WORST conspiracy theory of them all. THE worst. The Alex Jones stuff. The unforgivable, Rorshach test for insanity, inhumanity, depravity. And Aaron Rodgers not only failed it, he failed it nearly eleven years ago, and he failed it, and he failed it VOLUNTARILY – he was the one who brought it up, TO a reporter, TO a reporter who has somehow restrained herself from reporting it for nearly eleven years. And the nightmare-within-a-nightmare is: Aaron Rodgers is (or at best was) a Sandy Hook denier. And frankly I don't know if, in RFK Junior's eyes, that fact ELIMINATES Rodgers as a potential running mate, or… it clinches the spot for him. Also: The GOP has a new Biden Impeachment Plan: DON'T Impeach Biden. Don Lemon! You effed up! You trusted Musk! The Trump Mafia is celebrating the Georgia judge throwing out a handful of charges, but of course if he were going to throw out the whole case over Fani Willis on Friday, why would he bother to cull a few indictments now? And Alina Habba Dabba Do has the nerve to joke about Fani's name. B-Block (21:08) THE WORST PERSONS IN THE WORLD: After Marjorie Taylor Greene may have baited President Biden into misidentifying murder victim Laken Riley as "Lincoln" (or at best she made exactly the same mistake the president did), Trump has autographed a photo of the poor woman in which he has written her name - and MISSPELLED IT. NBC's Ken Dilanian gets further and further into the right wing talking points on the disastrous Hur hearing. And Nancy Mace, who shamed fellow rape victims and herself by endorsing Trump after the E. Jean Carroll verdicts, is still demanding George Stephanopoulos apologize for what... SHE did. C-Block (30:00) THINGS I PROMISED NOT TO TELL: In a brand new edition, this sounds like a terrifying and tragic story about another one of my dogs - my goofy boy Ted - until you get to the end where it turns out I'm just a lucky idiot and Ted's fine.See omnystudio.com/listener for privacy information.

Javier Milei delivers Argentina's first monthly budget surplus in 12 years https://www.msn.com/en-au/news/other/javier-milei-delivers-argentinas-first-monthly-budget-surplus-in-12-years/ar-BB1iykMw Links: https://bit.ly/gmllinks WATCH on Youtube: https://bit.ly/3UwsRiv Join the private discord & chat during the show! joingml.com Like our intro song? https://www.3pillmorning.com This episode is sponsored by BetterHelp.  Give online therapy a try at Betterhelp.com/gml and get on your way to being your best self.  Secure your assets and protect your loved ones with Trust and Will. Get 10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

When we are born and take our first breath, our soul enters this physical flesh, and we become animated. We enter this density and forget what it was like to be a spirit. The only thing that keeps us tethered to that experience is our soul - and as we learn things from this physical experience through our five physical and spiritual senses, our experience as spirit gets further and further away. We start building many programs that display our personality and become masks we wear. We project ways of being upon ourselves like a drive-in movie theater screen. For example, if this happens, it means this is about me or another person. I'm not worthy of love because…, we can't have nice things, that way of life is not for me… or in front of my parents, I act this way; when dating, I'm this way; when at work, I am this way. You have so many autonomous programs and various masks. When you are an adult, you forget entirely who you are. You also get super attached to this rental vehicle of physicality (some of us call it a meat suit) we walk around in. We believe this is all there is - perhaps diving into hedonistic pleasures that physicality has to offer us headlong to cope with the sense that this is all there is. Drinking, eating, sexting your way through life, putting more in, in an attempt to fill the void in your heart where a sense of purpose should be.  Or you may bury yourself under another identity - mom, soldier, project manager, content creator, influencer. I don't know whatever form of busy floats your boat and how you associate every aspect of yourself with that job or role. But you can't be that role, job, or version of yourself forever. The flesh gives out, our beauty fades, we get injured, we get fat, we lose our strength, our hearing, our sigh. Either way, our purpose can never be found simply in the job we do because we are more than this body and this physical experience.  We are spirit. (Pause) We have never been born, and we will never die (as spirit). But this physical body will most certainly die and fall away - that is the one certainty of this physical experience we are all having. Death.  Wow. Angel. What a way to start out a new season of your podcast on a bright note. I am reminding everyone that they die. This is the truth, though. My job as an estate planning attorney is precisely this - I remind people of their mortality and get them to prepare for it so they do not leave their families a big, stinking, expensive mess when the physical inevitability occurs. It is never too early to plan, but it can always be too late. "if you are having trouble with planning, I can help! Feel free to shoot me an email for more information. Stay tuned until the end of the episode for contact info." But the point of this podcast today is to talk about a smaller kind of death and rebirth. The type of death held and symbolized within the Rider Waite Tarot card (Death), in the Rune stone Eihwaz, and in the cycle of the Phoenix. Renewal through the conscious choice to let go of your shit. Flush it down the toilet and start fresh. Or the willing submission to the holy fire of transformation - by letting go of the old so there is room for the new.   Let's briefly talk about the Phoenix in case you need to familiarize yourself with this mythological being. Per my Signs & Symbols sourcebook, the bird symbolizes alchemy because it is reborn for its ashes after voluntarily combusting. Keyword here. Voluntarily. There is a whole process - where the Phoenix goes around the world collecting aromatic wood, herbs, and spices so it can build its funeral pyre in a date palm tree. Then it lights itself on fire and is reborn upon the next day's dawn.  While alive for 500 to 1500 years, the Phoenix persists only on aromatic wood smoke, thus not harming anything to eat.  Let's focus on the voluntary submission to the purifying flames, thus bringing rebirth as an archetype for us to explore. More importantly, the ritual. The slow, intentional gathering of the right spices, wood, and herbs, building a nest in a particular place, and performing the act in a specific time-space order for the magickal creatures' transformation. What is critical to this ritual is the intention. The willingness to let go of one life/to die because out the other side is more beauty, joy, and freedom.  Now, not every change/little death in our lives happens this methodically. We may be forced to renew an aspect of ourselves because something is destroyed or stolen or a relationship with a person ends suddenly. Proverbial band-aids are ripped off in our lives all the time. I lost a lot of things this last year - so many that a part of me is tired of being resilient - but I didn't lose myself. I found more of myself than ever in the process of losing.  This last year, I found myself robbed in a foreign country, far from home. The violation of that theft and losing all my healing tools became a gift. This is how I approached death. Intentionally and purposefully, I released the attachment, giving me the power to be reborn, just like the Phoenix.  It was late summer; I walked out the door of my hotel in Mississauga, Ontario, at 8 am and looked at the empty parking space where my Luna (my moon rock colored 2023 Toyota 4 runner) was supposed to be and thought, "Where is my car?!"  Yes, My car was gone, not misplaced nor towed, but STOLEN!   Can you imagine my heartbreak when I realized I was suddenly being given the spiritual lesson of "examining my relationship with my car."  It has been said that "to affect reality, you have to acknowledge the actual reality of a situation."   Interestingly enough, I had spent the previous two days listening to Sovereign Ipsissimus Dave Lanyon teach on the hermetic of relationships. Therefore, I was in inappropriate headspace to face the immediate reality that my car had disappeared. This isn't any car. This was my 45th birthday present to myself - and it was gone! Along with a lifetime of collected tools in the lockbox and my suitcase holding all my gear for the "Warriors of Light Martial Arts Retreat" that I was headed to in a few days.   Surprisingly calm, I returned to the front desk of the hotel, reporting my stolen car. Not being a citizen of Canada, I also realized I needed to learn how to call the police. I sent my friend ahead to class to let them know I'd be delayed due to car theft and set about calling the police, insurance, and Toyota to start the tracking of my vehicle - and then the realization of all the things I had lost began to trickle into my brain.  A huge part of me just wanted to sit down and cry - but I knew denying the loss and getting angry about it wasn't going to change the fact that my car had been stolen. Based on the security footage shown to me by the hotel manager, the skilled and savvy thieves likely had it on a shipping container to Sudan.  Losing my car was an extreme violation. Losing my Life Activation Wand was a heartbreaker. Losing my favorite "Trampled by Turtles" sweatshirt, my adored watermelon patterned dress, and my go-to sneakers was a HUGE bummer. But I immediately and voluntarily surrendered to the things I had an attachment to - it was just that, THINGS. No amount of emotional theatrics and painful gesticulation would bring them back. I could shake my fist at the sky and call in holy hellfire upon the thieves and their descendants, but that just seemed dramatic, and I had things to do, places to be, and a life to live, which would be a major inconvenience.   And at the end of the day, I was OK. I was OK, mentally and physically; no one had harmed my body or family or dog - it was just stuff.  My colleagues were surprised at how calm I was. Luckily, for the next 3 days, I was in a class called "Know Thyself," where I got to meditate with Jesus, Buddha, and Mohammed and make art. It was the best possible way to recover from this massive violation.  I share this example from my life as my version of "The Phoenix Story" because although having everything stolen from me was not my choice, my reaction to the theft was my choice.  And like the Phoenix, I submitted willingly to the transformation. And this is what made the difference, as it allowed me to upgrade everything about my life and healing practice, which was 100% because I intended to release the attachment and will enable the renewal to occur. On a brighter note, I got the red version of the car that I had initially wanted but had to settle for Moonstone gray.  Change happens in our lives regularly. Deaths happen in our lives as we allow ourselves to evolve. If we get stuck on the old way, the attachment holds us back and causes pain & suffering. If we release the attachment - we can be reborn, fly onto greater heights, and experience joy from the process.  So here is an exercise for you to embrace change and intentionally allow alchemical renewal into your life.   First, identify and create a space to sit and meditate. It doesn't have to be perfect, just quiet, clear of clutter and debris, and in view of an altar.  Second, create an altar if you don't already have one place, two white candles, a rock, a feather, and some incense, or a diffuser with the lovely essential oil you enjoy smelling.   Third, which is a bonus rather than a necessity - collect some palo santo. You can purchase this at your local spiritual or earth magick supply store/crystal shop or order it from Amazon. Now, in the intentional environment you have set up for yourself, light the candles, burn the palo santo (just a little bit so the smoke wafts over your face and body), burn the incense, or start your diffuser and sit and meditate to get clarity on the things you want to let go of, on the things you need to release.   What are you carrying around as baggage weighing you down? Who do you need to forgive? (remember yourself). What past things are you attached to and sad about or experiencing some emotion that you can now do nothing about? While you meditate, remember to breathe. Take deep breaths in through the nose and out through the mouth.  Just allow the information to come in however it does, and then after 10 min or so, journal what you have experienced. Write down anything that comes to mind. Allow it to flow from pen to paper so you ground the truth and reality of it for your life. You are taking ideas from thought to reality on paper. Now, pick one or two of the oversized items and write them out on individual slips of paper.   Then, identify somewhere safe to burn things. You are going to build yourself a little ritual fire. Take your palo santo, and find some dry cedar if it's available where you are. You could find some excellent wood chips that you'd put in a BBQ or cinnamon sticks and pine needles. Just make sure your little funeral pyre is aromatic and intentional to you.   Then light it up! And place your phoenix papers into the fire. Use this purposeful ritual to release those things you are attached to so you can truly be renewed and refreshed and start anew.   Watch everything in the fire burn and hold gratitude as you do. Therein lies your rebirth.  You can do this exercise for any of the things you experienced in your meditation or for things that come up later. What is most important as a takeaway from this exercise is the choice to intentionally and voluntarily submit to letting go. That voluntary and intentional act is the energy that brings renewal.  As I started this podcast sharing - yes - everyone dies. This is part of our physical existence. But so is listening to our soul, getting past the autonomous programming to remember who you really are - which is spirit. A divine being who creates their reality with their thoughts and actions.   If this podcast or anything I've brought up intrigues you - or if you want to learn daily practices that can help you create your life more intentionally, find more joy, or get over your proverbial baggage. I can help with that! Reach out via my website, angellatterell.com, and book a call. Let's talk about the benefits of the Empower Thyself class & initiation and other means of actualizing what lies within you for the best and highest good!   

Generally speaking, Halacha forbids instructing a gentile to perform Melacha (activity forbidden on Shabbat) on a Jew's behalf on Shabbat. Moreover, as noted by the Mishna Berura (commentary to the Shulhan Aruch by Rabbi Yisrael Kagan, 1839-1933) in Siman 276 (11), if a gentile voluntarily offers to perform a Melacha on a Jew's behalf, the Jew must object and instruct the gentile to desist. Even though the gentile acts voluntarily, and not at the Jew's behest, the Jew must nevertheless voice his objection since the gentile seeks to perform a Melacha on his behalf. (Needless to say, one need not stop a gentile from performing Melacha on Shabbat for his own purposes.) This applies even if the Jew has no intention of deriving any benefit from the action the gentile seeks to perform. If the gentile acts in order to do a service to the Jew, the Jew must object. One common example of this Halacha arises when a non-Jewish housekeeper volunteers to turn on a light in a dark room for her Jewish employer. Not only does Halacha forbid instructing or asking her to turn on the light, it also requires the Jew to tell her not to turn on the light if she offers to do so. Similarly, if the gardener arrives on Shabbat to work on the lawn, one must instruct him not to do so. (Of course, one should clarify from the outset when hiring a gardener that no gardening work should be done on Shabbat or holidays.) If a person sits in a dimly-lit room, where there is sufficient light for whichever activity he wishes to perform in that room (e.g. reading or eating), he may indirectly ask a gentile to turn on a light by indicating his desire for additional illumination. Thus, for example, if the lights are turned off but the sunlight from the windows provides enough light to read, one who wishes some additional light may say to his gentile housekeeper, "This room could use some more light." Although he may not explicitly request that she turn on the light, he may, in this situation, express his request indirectly. This is the ruling of several authorities, including the Hida (Rav Haim Yosef David Azulai, 1724-1806) in his Birke Yosef (307:6), the Ben Ish Hai (Rav Yosef Haim of Baghdad, 1833-1909) in his Rav Pe'alim (Orah Haim 83), and Hacham Ovadia Yosef in Halichot Olam (vol. 3, p. 179). If the room is dark, however, such that one cannot perform the desired activity in the room, then he may not ask a gentile even indirectly to turn on a light. Indirect requests are allowed only in cases where there is sufficient light and one seeks additional illumination. Summary: One may not ask a gentile to perform Melacha on his (the Jew's) behalf on Shabbat, and if a gentile offers to do Melacha for a Jew, the Jew must object. If a dimly-lit room has sufficient light but one desires additional light, he may indirectly express a request to a gentile to turn on a light, but he may not ask directly.

Solo episode of Something For Everybody. I discuss and breakdown doing hard things, fitness and Hyrox. - Sponsors:  AMARE GLOBAL: The Mental Wellness Company - get $10 off your next order - https://www.amare.com/155249/en-us/ (use code: EVERYBODY) Get 10% discount on all For Everybody products at https://shopforeverybody.com/ (use code: SFE10)  Get 10% off Jocko Fuel at https://store.jockofuel.com/ (use code: EVERYBODY)  - Extra Stuff: Check out my mental health non-profit, YouAreLoved: https://youarelovedlife.com/ Subscribe to my newsletter: https://aaronmachbitz.com/ Something For Everybody Merchandise → https://shopforeverybody.com/collections/somethingforeverybody - #Fitness #Suffering #Movement - Episode 211 of Something For Everybody  (Filmed on December 2nd, 2023) - Intro music by Residual Audio (Residualaudio.com)  Edited by Ben Rogerson (@BenRogerson_) - Join the Something For Everybody Community on Patreon: https://www.patreon.com/AaronMachbitz   Join the Something For Everybody Community on Reddit: https://www.reddit.com/r/SFEverybodyPod/   Check out my mental health non-profit, YouAreLoved: https://youarelovedlife.com/ - Listen to all episodes online. Search "Something For Everybody" on any Podcast App or click here: Apple Podcasts: https://apple.co/3qfzetB Spotify: https://spoti.fi/3Ymc2qj - Get in touch in the comments below or head to... Instagram: https://www.instagram.com/AaronMachbitz Twitter: https://twitter.com/AaronMachbitz Facebook: https://www.facebook.com/AMachbitz Website: https://aaronmachbitz.com Email: https://www.aaronmachbitz.com/contact/  

On this day in 1936, Edward VIII became the first monarch in British history to give up the throne voluntarily.See omnystudio.com/listener for privacy information.

Andy and Randy talk about the injury to Trevor Lawrence and the Bengals win on Monday Night Football and Zach Wilson's hesitancy to return as starting QB for the New York Jets.

“Voluntary childlessness, also called childfreeness or being childfree,[1][2] describes the voluntary choice not to have children. In most societies and for most of human history, choosing not to have children was both difficult and undesirable (except for celibate individuals). The availability of reliable contraception along with support provided in old age by one's government or by one's savings rather than one's family has made childlessness an option for some people, though they may be looked down upon in certain communities. The word childfree first appeared sometime before 1901.[3] It entered common usage among feminism during the 1970s,[4].[5] The suffix -free denotes the freedom and personal choice of those to pick this lifestyle. The meaning of the term childfree extends to encompass the children of others (in addition to one's own children), and this distinguishes it further from the more usual term "childless", which is traditionally used to express the idea of having no children, whether by choice or by circumstance.[6] The term child-free has been cited in Australian literature to refer to parents who are without children at the current time. This may be due to them living elsewhere on a permanent basis or a short-term solution such as childcare.[7].” --- Send in a voice message: https://podcasters.spotify.com/pod/show/antonio-myers4/message Support this podcast: https://podcasters.spotify.com/pod/show/antonio-myers4/support

More homeless people have been created due to the housing supply crisis. Homelessness is up 11% since last year, per the WSJ. The opioid crisis, consumer inflation, and NIMBYism have contributed too. California has the most homelessness on both a total and per capita basis. States with higher housing costs have more homeless people. I share our poll results: “Should we pay to house the homeless?” Are you a NIMBY? We find out today. We can increase housing supply with rezoning, construction training, and lower mortgage rates. The cycle of investor emotions led to wild investing manias. It was tulip bulbs in the 1600s Netherlands and Beanie Babies in the 1990s United States.  I discuss exactly why “buy low, sell high” is more difficult than it sounds. Timestamps: The correlation between homelessness and the housing market [00:00:00] Discusses the relationship between the housing market and the increasing problem of homelessness in America. Investing manias and lessons from history [00:00:00] Explores the phenomenon of investing manias and the lessons that can be learned from historical examples. The tight inventory market conditions and potential solutions [00:04:56] Lawrence Yun, Chief Economist of the National Association of Realtors, discusses the tight housing market conditions and suggests tax incentives to increase housing supply. Timestamp 1 [00:10:32] Affordability of moving to different cities and the proposal of a tax incentive for real estate investors. Timestamp 2 [00:11:49] Discussion on the housing supply crisis, mortgage rates, and the homeless population in the US. Timestamp 3 [00:14:14] Increase in homelessness in America, reasons behind it, and the correlation between housing prices and homelessness rates. The impact of high density housing on quality of life and home value [00:21:12] Discussion on the potential negative effects of building high density housing near single family homes, including reduced home value, increased traffic and noise, and loss of nearby open space. Alternative solutions to increase housing supply and reduce homelessness [00:23:30] Exploration of alternative measures to address homelessness, such as trade training for the homeless and relaxing excessive safety requirements in home building. Giving real change to the homeless [00:25:50] Encouragement to give directly to homeless shelters or soup kitchens instead of giving small change to individuals on the street, with the concept of "give real change not small change" explained. Note: The timestamps provided are approximate and may vary slightly depending on the podcast episode. The Origins of Tulip Mania [00:31:37] Tulips were introduced to Europe in the 1500s and became a luxury item for the affluent. The cultivation of tulips locally in the Netherlands led to a flourishing business sector. The Tulip Bubble [00:32:55] By 1634, tulip mania had swept through the Netherlands, with the demand for tulip bulbs exceeding supply. Prices reached exorbitant levels, and futures contracts were being bought and sold. Lessons from Tulip Mania [00:37:53] Tulip mania serves as a model for financial bubbles, with similar cycles observed in other speculative assets like beanie babies, baseball cards, NFTs, and stocks. It highlights the dangers of excess, greed, and speculation without tangible value. The cycle of investor emotions [00:44:32] Explanation of the different stages of investor emotions, from optimism to panic, in relation to stock market investing. The peak of the stock market [00:46:43] Discussion on the peak of the stock market being the point of maximum financial risk and the difficulty of selling at the right time. Real estate as a stable investment [00:51:56] Comparison of real estate investment to speculative bubbles, highlighting the stability and income stream provided by real estate. Explains how the integration of HOA (Homeowners Association) helps maintain uniformity and cleanliness in the rental property investing world. Details about the upcoming real estate event [00:38:31] Promotion of a live event where listeners can learn about new construction fourplexes and have their questions answered in real time. Resources mentioned: Show Notes: www.GetRichEducation.com/463 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Welcome to Get Rich Education. I'm your host, Keith Weinhold. America's homeless problem has become FRIGHTENING. I describe how that correlates… with the housing market.  Then, investing MANIAS. What drives people to spend more for one tulip flower bulb than they would for an entire luxury home?    And lessons you can learn that'll benefit you the rest of your life from other manias throughout history. All today, on Get Rich Education.   ___________   Welcome to GRE! From Seaford, DE to Carmel-by-the-Sea, CA and across 188 nations worldwide, you're listening to one of America's longest-running and most listened to shows on real estate investing. Along with plenty of ongoing hot takes on wealth mindset and the real estate economy.    I'm your host, Keith Weinhold.    See, the crash in the SUPPLY of available American homes is bad and it isn't just creating more upward prices, it's a contributor to homelessness.    Let's talk about some of the drivers of homelessness, understand the problem a little more, how many homeless people ARE there in America, and then… what can we do about it?   As you'll soon see, one prominent real estate industry influencer actually suggests that you actually SELL your rental single family homes in order to help serve the homeless. More on that shortly.    Also, I have the results from a GRE Instagram Poll. The poll question is: “Should we pay to HOUSE the homeless?”    And the answers that you - the GRE listeners gave… actually surprised me. I'll give you those super-interesting poll results later, because I have more to explain there.   But first, what IS a homeless person? Let's define it. I think most anyone knows that since it's a person without a home, it's thought of as living on the street.   Really, then, that person might not be homeless but “houseless” in a literal sense. Even if they live in a tent under a bridge, that is then, their home. Though it might be INADEQUATE housing.   More accurately, the unsheltered or undersheltered population could be more apropos.     Then there's vagrancy. A vagrant is defined as a person without a settled home OR regular work… who wanders from place to place and lives by begging.   So vagrants are PART of the homeless population then. This all helps DEFINE what we're discussing.   Now, the lack of available American housing supply - especially the affordable segment - is OBVIOUSLY a big contributor to homelessness.   For example, anymore, how many builders even construct a new-build entry-level home for $200 or 250K? Practically nobody… anywhere.   And just how bad is the supply problem now? Well, the NAR has been tracking housing supply since 1982 and it just hit its lowest level ever this summer - EVER - and that's in 40+ years of tracking.    That's one reason why just last week, it was announced that Warren Buffett is making a big bet on housing by investing in homebuilders.   Now to keep consistent with the same stats I've been reporting to you for you, to update that, again 1-and-a-half million available homes is the baseline supply. That's the long-term “normal” per the FRED Active listing count.   And through last month, it's still under 650,000. That is STILL a housing SUPPLY crash of 57% from its peak of 1 ½ million.   I want you & I to listen to this upcoming piece together. This recent interview with NAR Chief Economist Lawrence Yun is from the 8th of this month.   Yes, HE is the one that basically wants you to sell your SF rental properties. And he makes his case for an inducement to get you to do this. (Ha!)   He's not proposing anything COMPLETELY ludicrous. It's REALLY interesting. Listen closely for that.   This about 5 minutes in length and there's a lot of material here within this clip - a nutrient dense piece, so I've got SO much to say about this when I come back to comment.    [Yun clip]    Yeah, the NAR Chief Economist there talking about how, much like I have for years, great opportunity is in the Midwest and Southeastern parts of the US.    With this greater ability for people to work from anywhere, when people move in from the pricy coasts, it's sooo affordable to them.   Moving from Manhattan to Cincinnati feels incredibly affordable.  Moving from San Francisco to St. Louis feels like you've upgraded from serfdom to a kingdom. Moving from Boston to Jacksonville feels like a total life makeover.   That's why, here at GRE, we're focused on properties in those INbound destinations.    Before I continue, especially for those outside the US, I know that it seems a little odd that Ohio and Indiana are in what we call the Midwest when they're actually in the northeastern quadrant of the nation.   But the fact that they ARE midwestern states is rooted in history and in cultural tradition.   So, getting back some new angles on the housing supply crisis.   Lawrence Yun proposed that a tax incentive be introduced to unleash the inventory of SF rentals from individual REIs.    And says that there are over 20 million single-family housing units that are rented out.    If we reduced or canceled the capital gains tax & just got 1% of that inventory on the market, he states that that would help.   Well, yeah, but even that then would only put about 200,000 units of the market - and they'd get snatched up so fast.   Now, if mortgage rates come down to say, 5%, it would unleash both housing demand AND supply.    Both - like Lawrence Yun says. So it's not apparent that that would help this shortage, if both demand and supply go up.   In a nation of about one-third of a BILLION people now - that's how I like to express it this year - America now has one-third of a billion people… also known as 333 million - how many do you think are classified as homeless?   As you think about that - as you think about how many of America's 333 million Americans are homeless, this homeless population figure that I'm about to share with you is from HUD and it's through last year, so it's their latest year-end figure.    And I'll tell ya, it's hard to believe this number. The Department of Housing and Urban Development states that about 582,000 Americans are experiencing homelessness.   Now, how HUD does this is that their number is a snapshot of the homeless population as of a single night at the end of January each year.    The total number of people who experience homelessness for SOME PERIOD each year will be higher than that.   I just did the math and then that means that just 1 in every 572 Americans are homeless. C'mon. Do you believe that? Only one in every 572 Americans are homeless?   I might believe that it's something like more than 1 in 200. What are your thoughts?   Even HUD would probably concede that there are shortcomings in that stat and that it's only a starting point.   And over the last decade, according to HUD, the homeless population is little changed… apparently until just this past year.   Homelessness is surging in America. The number of people experiencing homelessness in the US has increased 11% so far this year over 2022. That would be the biggest jump by far in equivalent government records beginning in 2007.   Now this 11% homeless jump is according to a WSJ analysis of hundreds of smaller & local agencies.    Most  agencies say the alarming rise is because of the lack of affordable housing and rental units, and the ongoing opioid crisis.   Inflation is part of that affordable housing problem. Inflation widens the disparity between the haves and have-nots.   To cut some slack to census-type of surveying, homelessness can be hard to measure. Some live on skid row, some live in the woods, some homeless people live in their cars.    Some aren't interested in being counted. Others are essentially invisible. I mean, if someone's between jobs and needs to couch surf at their aunt and uncle's place for three months, are they homeless or not? So, to be sure, there's a lot of leeway in those numbers.   One in 572 as homeless - that should just be a minimum - a starting point in my opinion.   Now, homelessness broken down by STATE is really interesting.   California at 171,000, has the most of any state, more than double of next-most New York, and then Florida is third.   But let's break that down by rate - on a per capita basis. So… think of this as the highest CONCENTRATION of homeless:   Washington DC has 65 homeless per 10,000 people. That's not really a state though, so…   #1 on a per capita basis is STILL California, with 44 per 10,000. So California leads in the nation in homeless on both bases then - both absolute and relative.   The second highest rate is Vermont.  Third Oregon Fourth Hawaii Fifth is New York And then numbers 6 through 10 on the most homeless per capita are Washington, Maine, Alaska, Nevada, and Delaware.   Now, strictly anecdotally. You've probably seen just what I've seen in the last year-plus - more visible homeless people in your city and other cities.   The state with the FEWEST homeless of all 50 states is Mississippi - and see, housing is quite affordable there. MS is one of the most affordable states for housing.    There is at least SOME correlation between your cost of housing and homelessness.   Recently on our Instagram page, and the handle there is easy to remember - it's @getricheducation - if you want to participate in future polls, we ran a poll on homelessness.   Here is the poll question that we ran - and I'd like you to think about your answer to this too.   “Should we pay to house the homeless?”    That's the question.    And in polling, the way that the question is phrased, of course, can skew your answer.    See, if instead, we phrased it as, “Should the government house the homeless?” you might have more ‘yes' answers - even though it's the same question - because you FUND the government.    But the question as we phrased it: “Should we pay to house the homeless?” - it also showed a photo of vagrants on a street curb under the question.   Here we the results, which surprised me, to:  Should we pay to house the homeless?   Those answering “Yes” were just 6% The no's were 45% But we also had a third option: “It's complicated”. 48% answered with that option.   So again, just 6% of you said we should pay to house the homeless and 45% said “no”. “48% said it's complicated”.   In a way, that makes sense to me since we have a largely entrepreneurial, self-made type of audience. I thought that might have happened.   But what surprised me is in how emphatic it was. It was a landslide. 7 to 8 TIMES as many of you said we should not pay for the homeless as those that said we should.   Well, the reason that I added - and I'm the one that ran the poll myself - they're quick to do. I added the paying to house the homeless “It's complicated” option because it IS complicated… that WAS the most popular answer.   I mean, why should you go to work and pay to house a stranger that has no income because he or she doesn't want to work?   But what if they're disabled and they can kinda work but not really work… or a zillion other complications.    Substance abuse is obviously a big problem that keeps homeless people homeless… and there's a substantial thought paradigm that says, if they're an abuser, then why would I pay for THEIR housing?   Substance abuse is just one reason that there is a population that's VOLUNTARILY homeless. They don't want to have to comply with a group home's ban on substances.    I wanted to address the homeless problem somewhat today, because here we are on Episode 463 of a real estate show and this is the most that we've even discussed it.   I think the perspective it gives you is that it helps you be grateful for what you've got.    But it's abundance mentality here. You can be grateful for what you have and at the same time, grow your means.   What else would help with more housing supply which would also move us toward mitigating the homeless problem?   Well, we've already discussed a number of them so I'll only go in depth with some fresh angles here.   Obviously, more homebuilding. We've done episodes on how 3D printed homes and shipping container homes are not quick, easy answers. Tiny homes might be but then you could get into a zoning density problem again.   Just last week, my assistant brought me this Marketwatch article that reported that the average American home size is shrinking just a little & that often times, new-build houses tend to be a little closer together.   That's what gets us into relaxing zoning requirements. But you know something, OK, this is going to be interesting.    This plays into NIMBYism. Not In My Backyard: communities saying that they don't want high-density housing built next to them.    Now, I think that there are a lot of critics of NIMBYism. But the criticism comes from people that live far out of that area and aren't affected.   Let me just play a fun little experiment with you here. Let me paint a picture of a fictitious life for you and just… place yourself there.   Say that you live in a nice single-family home, with a quarter acre lot. It's not a sprawling estate but you've got a good measure of privacy that way.   You're in a SFH, quarter-acre lot and two car garage. That is classic suburbia.   And… just a hundred yards away from your home there's a big, wide-open field where you walk your dog and use as a little makeshift golf driving range or whatever. Nice open space nearby.   Say you've got a fairly idyllic life here. It's always been this way since you bought the home years ago.   Suddenly, in your neighborhood of all SFHs, you learn that they want to build a bunch of fourplexes in the nearby lot where you used to throw tennis balls to your dog.   What can that do to your quality of life & your home's value, now that a bunch of new fourplexes and eightplexes were built nearby?   It reduces your home's value because there are less valuable, high density properties nearby.   It also increases the amount of traffic & even noise in your neighborhood. Now you can't use that nearby park anymore - it's been all-built up with these higher-density apartments.   So, let me go back and ask - point blank - did you really want all those new high-density developments near your home?   If that made you uncomfortable, that's NIMBYism. So it's quite natural to evoke that feeling type. You're just a human being.   How else can we increase housing supply to help reduce homelessness?   NOT with rent control. Over time, capping the amount of rent that a LL can charge gives property owners no incentive to improve their property and neighborhoods end up dilapidated.   We need more training for tradesman and laborers. How about training the homeless for that? But then someone's got to pay for that training.   Another measure that's become ridiculous is that we've gotta relax these excessive safety requirements in homebuilding. Now, some safety is good.   But when every single home - entry-level and all needs to have fire-rated shingles and fired-rated doors and GFCI outlets and smoke detectors in every room and carbon monoxide detectors all over the place, sheesh! Well, that raises the cost of housing for everyone.   In some earthquake-prone areas, you've got to have seismic restraining straps on your water heater or you can't even sell your home. Do you know how big of an earthquake it would take to damage your water heater like that?   And an excessive safety PROPONENT might say, yeah, but did you hear about that one family that died ten years ago that would have lived if they had carbon monoxide detectors?   Well, the counterargument to that is, yeah, but what about all the homeless people that were exposed to the elements and died in the cold because they couldn't AFFORD the more basic housing, the prices of which have escalated for all this excessive safety stuff.   Are you saying a middle class person's life is worth more than a poor, homeless person's life? That's the counterargument.    Again, some safety is good. But we've gone overboard in too many places - in housing & beyond.   Rising housing costs keep people homeless. A few weeks ago, I did that episode about escalating insurance costs.   I now own some properties that have extremely low mortgage rates and the insurance has gone up to the point where I pay more in monthly escrow expenses than I do principal & interest.    But, hey. I'm not homeless, and if you're listening to this, neither are you.   So when it comes to helping the homeless in the short-term, that campaign called, “Give real change, not small change.” - that really resonates with me.   Don't give 5 bucks to a vagrant on the corner. That just keeps them showing up at that corner, plus they're going to spend your 5 bucks on a cheap bottle of Monarch vodka.   Instead, if you're going to give, give to a homeless shelter or soup kitchen.    That's what's meant by “Give real change, not small change.” And that's something actionable.   Coming up next, investing MANIAS. How wild it gets - paying more for a tulip flower than a SFH, shooting and killing someone over a Beanie Baby toy… and then I'm going to wrap it all up with what all this has to do with the cycle of your investor emotions.   Around here, we don't run ads for the Swiffer. This week's sponsors that support the show are people that I've personally done real estate business with myself and have benefited from.    Ridge Lending Group specializes in INVESTMENT property loans in nearly all 50 states. Start your prequalification at: RidgeLendingGroup.com    Then, for super-passive real estate returns, check out Freedom Family Investments. Right now, what you can do, is just text “FAMILY” to 66866.   I'm Keith Weinhold. You're listening to Get Rich Education. ___________ Welcome back to the GRE Podcast. I'm your host and my name is Keith Weinhold.    If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   Today's topics of homelessness and investing manias could very well bring a new audience here, so…    A little more about my backstory. I'm from PA but got my real estate comeuppance in Anchorage, Alaska of all places & grew out nationally & internationally from there. I had humble beginnings and wasn't born anywhere near wealthy. I had to figure out how to build it myself.   But see, if I were born wealthy, I wouldn't have learned how to build it, and then I wouldn't be of much help to you. Likewise, if you're building it yourself, you'll be able to help others too.   BTW, I was born in the same PA town as Taylor Swift.    Though she & I don't have much ELSE in common, I guess that she & I are both best-known for using a microphone.   Though I think that I'm about as likely to start using this microphone to sing into your ears like Taylor Swift does… as Taylor is to launch a real estate investing show.   For hundreds of years, the tulip has been one of the most-loved flowers in the Netherlands. It's an enduring icon - as synonymous with the country as clogs, windmills, bicycles, and cheese. The tulip has a long and storied history - including the infamous shortage in the 1600s known as “tulip mania”. If you're someone that has even a fleeting interest in investing, you should at least know what this is.   Tulips first appeared in Europe in the 1500s, arriving from the spice trading routes… and that lent this sense of exoticism to these imported flowers that looked like no other flower native to the continent. It's no surprise, then, that tulips became a luxury item destined for the gardens of the affluent.  According to The Library of Economics and Liberty, “it was deemed a proof of bad taste in any man of fortune to be without a collection of [tulips].” Hmmm. Well, following the affluent, the merchant MIDDLE classes of Dutch society sought to emulate their wealthier neighbors and also demanded tulips. So to start out with, it was purchased as a status symbol for the sole reason that it was expensive. But at the same time, tulips were known to be notoriously fragile, and would die without careful cultivation. In the early 1600s, professional cultivators of tulips began to refine techniques to grow and produce the flowers locally in the Netherlands. They established a flourishing business sector that persists to this day. By 1634, tulipmania swept through the Netherlands. The Library of Economics and Liberty writes, “The rage among the Dutch to possess tulip bulbs was so great that the ORDINARY INDUSTRY of the country was neglected, and the population, even to its lowest dregs, embarked in the tulip trade. Now, everyone's in - rich to poor. It's a little hard to say for sure how much people paid for tulips.  But Scottish journalist Charles Mackay, wrote an extremely popular 1841 book - you've probably heard of this book - it's called the Memoirs of Extraordinary Popular Delusions and the Madness of Crowds… It does give us some points of reference such that the best of tulips cost upwards of $1 million in today's money (but a lot of bulbs traded in the $50,000–$150,000 range).  By 1636, the demand for the tulip trade was so large that regular markets for their sale - like a little Dow Jones Industrial Average - got established on the Stock Exchange of Amsterdam, in Rotterdam, Haarlem, and other towns. It was at that time that PROFESSIONAL TRADERS got in on the action - that's all that some people do now - is trade tulips… and everybody appeared to be making money simply by possessing some of these rare bulbs.  Dutch speculators at the time spent incredible amounts of money on bulbs that only produced flowers for a Week—many companies were formed with the SOLE PURPOSE of trading tulips.  To everyone, at the time, it seemed that the price could only go up forever. Pretty soon, demand for tulips EXCEEDED THE AVAILABLE SUPPLY of tulips by so much that people were into buying futures contracts, basically saying, I'll pay you this much money TODAY for a tulip that you provide to me in 3 years. By the last 1630s, these futures contracts were like a crack that appeared in the price runup. Demand began to wane when people were just buying a token for a future tulip that hadn't even started growing yet.  People felt like they weren't buying anything tangible anymore. That's one factor that helped create an oversupply of tulips in the market and started depressing the prices. Supply caught up with - and exceeded - demand. A large part of this rapid decline was driven by the fact that people had purchased bulbs on credit, hoping to repay their loans when they sold their bulbs for a profit. But once prices started to drop, holders were forced to sell their bulbs at any price and to declare bankruptcy in the process. So people had begun buying tulips with leverage, using margined derivatives contracts to buy more than they could afford. But as quickly as the run-up began, confidence was dashed. By the end of 1637 is when prices began to fall and never recovered.   And the bubble burst. Buyers announced that they could not pay the high price previously agreed upon for bulbs, and that made the market fall apart.  While it wasn't actually a devastating occurrence for the entire nation's economy, it did undermine social expectations. The event destroyed relationships built on trust and people's willingness and ability to pay. It's been said that “the wealthiest merchants to the poorest chimney sweeps jumped into the tulip fray, buying bulbs at high prices and selling them for even more.” Well, this is what can happen - today it happens with financialization and nothing real backing up purchases. Tulipmania is a model for the general cycle of a financial bubble. That's what happened with Dutch tulips. Now, here in more recent times, similar cycles have been observed in the price of Beanie Babies, baseball cards - I got caught up in the baseball cards as a kid, owning more than 100,000 baseball cards at one time, also non-fungible tokens (NFTs), and shipping stocks.       The example of tulipmania is now used as a parable for other speculative assets, such as cryptocurrencies today or dotcom stocks from around the year 2000. So, when you hear someone likening an investment to a Dutch tulip bulb, now you'll know what they're talking about. It's a symbol of excess, greed, and FOMO. But there has been a good bit of more modern scholarship that tells you that tulip mania did indeed occur in the 1600s Netherlands. But that the tale has been exaggerated and it's something that the upper classes of society were mostly involved in. Now, that's the Dutch tulip bubble. But for a more modern-day parable about an investing mania, there's a new movie about the rise & fall of BEANIE BABIES that's on Apple TV+. These were little stuffed, plush toy animals that became more popular among adults than children. The rise and fall of Beanie Babies—toys that people mistakenly thought would make them rich. The movie is called “The Beanie Bubble”.  It's a MOSTLY TRUE account of the lovable toys' boom and bust in the '90s -  comparable to the meme stock frenzies that took place during the Covid-19 pandemic. These $5 pellet-stuffed plush toys had astronomical appreciation estimates: Stripes the Tiger, released in 1996, was predicted by collectors to surge from $5 to $1,000 by 2008.  Forecasts like these were so enticing that one dad invested his kids' college funds in Beanie Babies, thinking he'd resell them later for a hefty profit. At the height of the frenzy, people were ruining relationships and committing felonies to get their hands on some of these sacks of fuzz. Border officials confiscated more than 8,000 smuggled Beanie Babies at a US–Canada border crossing in 1998. A West Virginia man shot and killed a former coworker in 1999 after an argument partly about $150 worth of Beanie Babies. That same year, a divorcing couple couldn't agree on how to split up their collection, so the judge made them divvy up the toys in person, right on the courtroom floor. How did that all happen? Barely anyone cared about Beanie Babies when a company called Ty Inc. launched them in 1994. Stores only got lines out the door once the toy's creator, now-billionaire Ty Warner, began pulling strings to juice demand. Here's what Warner did. OK, so here's how you induce people into a speculative bubble. He refused to stock Beanie Babies at Toys R Us and Walmart. Instead he created an illusion of rarity by only selling them at small toy stores and independent shops. Even if you did find a retailer, every store's supply of Beanie Babies was limited to 36 of each animal, so inventory restocks drew a crowd. This, combined with Warner's decision to start “retiring” certain animals in 1995, created artificial scarcity and a mass panic to stock up on Beanie Babies.  Soon, an aggressive resale market was born, replete with magazines and blogs and even trade shows for these Beanie Babies. One woman's guide to the secondary Beanie Babies market got so popular that she was selling 650,000 copies per month and, on many days, she did two or three radio interviews before her kids woke up for school. Ty Inc. later gave her an award for boosting sales. At Peak Beanie mania, Ty Inc. and legions of speculators actually made hordes of money: The stuffed animals accounted for 6% of eBay's sitewide sales in 1997 and 10% in 1998. Beanies averaged a resale value of $30—six times their retail price—but rare ones, like the Princess Diana bear, went for hundreds or thousands of dollars (and now you can find one online for $15 bucks). Ty Inc. hit $1.4 billion in sales in 1998, which is what Mattel grossed in Barbie dolls in 1995. At the end of the year, Ty Warner gave all ~250 employees holiday bonuses equal to their annual salaries. But most regular people didn't sell their Beanie Babies at their peak price. And unfortunately for them, the hype subsided. Anticipating a drop in interest as more kids reached for Pokémon and Furbies, Ty Inc. announced it would stop making Beanie Babies at the end of 1999, and that poked a hole in collectors' this-will-never-not-be-popular mentality and that sent demand plummeting. There were no underlying fundamentals to Beanie Babies' value. That's all that I've got on that speculative craze.   So let's review how this happened with both speculative crazes - Dutch tulips and Beanie Babies: Investors lose track of rational expectations. Psychological biases lead to a massive upswing in the price of an asset or a sector. A positive-feedback cycle keeps inflating prices. And soon, investors realize that they are holding an irrationally-priced asset. Prices collapse due to a massive sell-off, and an overwhelming majority go bankrupt. Now, much stock market investing is based off of buy low and sell high mentality. And stock investors can get caught up in similar crazes.    But because many stocks are tied to productive companies, the stock investor deals with smaller bubbles. A lot of times, the stock price can double, triple, or even 10X even though that company is not even profitable. Buy low & sell high. Well, that sounds easy. But why is this harder to do than it sounds? It's called the cycle of investor emotions.   It starts here with… optimism. Because you HEAR about 10% stock returns or people making money with Dutch tulips or Beanie babies.    Let's say that you aren't fully invested in the stock market. But some friends are, and they're achieving small gains.   Then comes excitement. The market is now up some more. Hey, what's in motion tends to stay in motion.   More friends are telling you how much money they're "making".    You're soon experiencing a full-blown case of FOMO—Fear Of Missing Out.   The next stage is the Thrill you feel. So you jump into the stock market fully, rationalizing with something like, "Hey, I'm a momentum investor". Sounds pretty good, I guess.   Now that you're in, it actually feels fantastic to you for a short time. You figure that some days, you're making more from stocks than your job. Winning activates dopamine.    Dopamine is a brain chemical that's known as the “feel-good” hormone. It gives you a sense of pleasure. It also gives you the motivation to DO SOMETHING when you're feeling the pleasure.    So then, you add MORE shares… at an elevated price until you are FULLY invested. Now everyone is "making money", even your Uber driver.   The next stage is Euphoria - The peak! As you can see, this is the Point of Maximum Financial Risk.    OK, now, remember the simplicity of “buy low, sell high”?   Well then, savvy stock investors should now be SELLING here in my example - at the HEIGHT.   Now be “selling”? Leaving the party at its crescendo? Stopping the dopamine flow? Yes, exactly… and THAT'S why it's so difficult.    What happens after the stock market peak? Overbought, with bloated price-to-earnings ratios, the market soon drops 10% from its recent high.    That's what's known as a correction - a drop of 10% or more. Now you feel a little ANXIETY. Your dopamine flow is stifled.   Next, you tell yourself, "I shouldn't be worried because I'm a long-term investor." It's down 15%. You're experiencing DENIAL & FEAR.   Now you're checking the Robinhood app almost hourly to see if it will recover.   Next, comes Desperation & Panic - Stocks are down 20%, that's the definition of a bear market. You're devoting more mindshare to this each day than what's healthy.   Then there's Capitulation - Down 30%, you finally surrender to a FEAR of FURTHER LOSS. You're getting so sick of months of losing. You finally do it and cash out your stocks into a safe money market fund. Now you're out.   And you rationalize and justify doing this because you tell yourself, "You know, at least when I wake up tomorrow, I'll know that I haven't lost money AGAIN. And THAT gives me certainty.”    The next stage in the Cycle of Investor Emotions is Despondency - You realize that what you've done is the polar opposite of successful investing. It's complete. You've now bought high… and then sold low.    Next, stocks completely bottom out. But this is actually the Point of Maximum Financial Opportunity. Instead, you should be buying.   But you can't. Because you're experiencing the next investor stage - Depression. You're so full of contempt for the situation that the idea of actually buying at bargain-basement levels again is simply inconceivable. You've been burnt badly.   Then, there's Hope & Relief - The market has begun ticking up after the crash. It soon should be clear that share prices are FAIRLY VALUED again.    But you don't buy the recovery story. You wait until enough price growth occurs that the confidence and Optimism stage is felt again before you'll even consider getting back in and buying.   And the entire pattern repeats.   That's the “cycle of investor emotions”. There's an average of 3-and-a-half years between each stock bear market, BTW.   Of course, we've been kind to call this all “investing”. It's more like speculating.   But here's the real problem—most investors THINK they're better than average stock pickers, so they keep playing this game. This effect has a name. It's called illusory superiority.   It's like how at least 70% of people think they're better than average drivers, despite the statistical impossibility.   Even professional money managers fall prey to this! Fewer than 10% of active U.S. stock funds manage to beat THEIR benchmarks.   The renowned British economist and value investor Benjamin Graham once said: "The investor's chief problem—even his worst enemy—is likely to be HIMSELF." Well, as real estate investors, we largely SIDESTEP the cycle of investor emotions for two main reasons.   Returns are more stable.   Real estate, we sidestep this emotional roller coaster. Not only do we have stable prices, but appreciation is one of just 5 ways that you're simultaneously paid.   RE also has monthly income. Dutch tulips or Beanie Babies don't pay you a durable monthly income stream. They don't provide an income stream at all.   And finally, RE is a REAL asset that fulfills a REAL human need.   I hope that you enjoyed this journey through speculative bubbles today and how they play into human psychology and investor emotions.   Go ahead and tell a friend about Get Rich Education.   If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   My name's Keith Weinhold and I'll be back with you right here… next week. Don't Quit Your Daydream!

The Rich Zeoli Show- Hour 3: The Drive at 5: During Monday night's press conference announcing the indictment of Donald Trump, Fulton County District Attorney Fani Willis stated: "I am giving the defendants the opportunity to voluntarily surrender no later than noon on Friday the 25th day of August 2023." Prior to indicting former president Donald Trump, Judge Robert McBurney cracked jokes in the court room. Is this cause for concern? In his latest editorial for National Review, former Assistant United States Attorney for the Southern District of New York Andrew C. McCarthy writes of the Georgia indictment of Donald Trump: “The DA is turning to the organized-crime [RICO] law because she can't charge an overarching conspiracy to achieve a criminal objective.” You can read McCarthy's article, “Fani Willis's Flawed RICO Charge against Trump,” here: https://www.nationalreview.com/2023/08/fani-williss-flawed-rico-charge-against-trump/ Rachel Zegler, who is playing Snow White in Disney's remake of the 1937 cartoon, has been promoting the new film by slamming the classic film. In one red carpet interview, Zegler accused the movie's prince of being a “stalker.”

Kevin and Thom today on the news that Chase Young was one of three players missing from the first day of Commanders' OTAs. They also talked Rivera/Mayhew GM rankings, NBA Playoffs, NFL rules changes, and more.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Dear Grandma... Voluntarily enlist for Willem DaFriend, drama club sex eyes, and Vietnam War movie stuff that is pretty much the same as the other Vietnam War movies we've watched. The person most confused by the film this week was: Smokey Bear, seeing a young human woman come for his brand. See omnystudio.com/listener for privacy information.