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Join Chris Hughes and Adam Mufich at the 7th Annual HVAC/R Training Symposium as they interview building scientist Tessa Murray. In this eye-opening conversation about what your house is really trying to tell you. Discover why HVAC techs need to understand building science fundamentals to truly master their craft. What You'll Learn: The critical connection between HVAC systems and building science How to identify hidden moisture problems in walls and attics Combustion safety testing that could save lives Understanding dew points and thermal bridging Proper ventilation strategies for different climate zones Why duct leakage testing is just the beginning Key Topics Covered: Transition from cold climate (Minnesota) to hot/humid (Florida) building science Ice dams, ghosting, and crying houses explained The house as a system approach for HVAC professionals Blower door testing and pressure diagnostics Indoor air quality concerns and solutions Natural draft appliance safety considerations Wall assembly moisture management Occupant behavior impacts on building performance   Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

For a deeper study of God's Word, plus daily resources for your walk with Jesus, visit https://passionequip.com/. — With Passion City Online, you can join us every Sunday live at 9:30a and 11:45a, and our gatherings are available on-demand starting at 7p! Join us at https://passioncitychurch.com — Subscribe to our channel to see more messages from Passion City Church:  https://www.youtube.com/passioncitychurch — Looking for content for your Kids? Subscribe to our Passion Kids Channel: https://passion.link/passionkidsonline  — If you would like to give to our house, visit https://passioncitychurch.com/give/ — Check out Passion's books, music, and more at https://passionresources.com/ — At Passion City Church, we believe that because God has displayed the ultimate sacrifice in Jesus, our response to that in worship must be extravagant. It is our privilege and our created purpose to reflect God's Glory to Him through our praise, our sacrifice, and our song.  — Follow Passion City Church: https://www.instagram.com/passioncity/  Follow Louie Giglio: https://www.instagram.com/louiegiglio  Passion City Church is a Jesus church with locations in Atlanta and Washington D.C. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Today’s episode is a classic from the archives, a conversation from 2019 with Brandon Shimoda about his book The Grave on the Wall. While the book centers on an exploration of Shimoda's grandfather's internment at Fort Missoula during World War II, it is really an interrogation of America that extends both directions in time from that moment. Forts such as these, that imprisoned Japanese and Japanese-Americans during the war, were also previously used to fight the Indian wars that established white dominance over Native lands, and are now today being used as detention centers/concentration camps for the refugees and immigrants from our southern border. The Grave on the Wall is also an engagement with photography and (mis)representation, memory and memorialization and asks the question of what it means to memorialize something that is ongoing, that has never ended. For the bonus audio archive Brandon Shimoda contributes a reading from Etel Adnan’s long poem “Fog,” a poem she dedicated to him. This joins contributions from everyone from Isabella Hammad to Dionne Brand, Natalie Diaz to Kaveh Akbar and more. To learn how to subscribe to the bonus audio and about all the other potential rewards and benefits of joining the Between the Covers community as a listener-supporter head over to the show’s Patreon page.

Big Bend National Park lately has drawn a lot of national attention, and not in a good way. Recently the U.S. Customs and Border Patrol announced that it wanted to build some sort of border wall along all or part of the 118 miles of border the national park shares with Mexico. Is that a good idea? Will it adversely impact the park? Can it even be done? To discuss those and other questions, our guest today is Bob Krumenaker, whose long Park Service career included a stint as Big Bend's superintendent. Bob also is chair of the Keep Big Bend Wild organization that is pushing to see a large portion of the park designated as official wilderness. 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Stephanie Wall. Purpose of the Interview To share Dr. Wall’s expertise as a neuroscience coach, criminal justice professor, author, and mentor. To discuss her mission through 1 Million Lives Transform, a global movement helping women unmute their voices and lead with authenticity and confidence. To provide actionable strategies for overcoming self-doubt, fear, and imposter syndrome in professional and personal settings. Key Takeaways Background and Roles Served 20 years in law enforcement and continues teaching criminal justice and ethical leadership. Founder of 1 Million Lives Transform, focused on empowering women to reclaim their voices. Unmuting Your Voice Many professionals mute themselves due to fear, lack of confidence, or imposter syndrome. Techniques: Awareness: Recognize when you’re silencing yourself. Pause and breathe before responding. Stand up when speaking in meetings to command attention and project confidence. Use phrases like “I’d like to build on that point” to engage respectfully. Mindset and Fear What you tell yourself matters more than external criticism. Replace negative self-talk with affirmations and surround yourself with positive influences. Neuroscience supports that repeated positive input rewires thought patterns. Boundaries and Time Management Learn to say “No” as a complete sentence. Set boundaries for phone calls and social interactions to protect productivity. Busy professionals should establish communication rules (e.g., “Do you have a minute?”). Authenticity and Leadership Authenticity is key—embrace your natural gifts and use them to transform spaces. Leadership requires mindset shifts when moving from peer to manager roles. Mentorship should be intentional and specific, not generic (“pick your brain” requests need structure). 1 Million Lives Transform A movement to help women rewrite their narratives, reclaim confidence, and lead boldly. Focus on self-awareness, boundaries, and empowerment strategies. Notable Quotes “Notice in that moment that you are muting yourself.” “Stand up when you speak—you command the room.” “No is a complete sentence.” “Our gifts are not for us; they are for other people.” “What you say to yourself does more damage than anything anyone else could say.” “Authenticity isn’t lip service—it’s showing up as who you truly are.” “Boundaries are not selfish; they are necessary.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Stephanie Wall. Purpose of the Interview To share Dr. Wall’s expertise as a neuroscience coach, criminal justice professor, author, and mentor. To discuss her mission through 1 Million Lives Transform, a global movement helping women unmute their voices and lead with authenticity and confidence. To provide actionable strategies for overcoming self-doubt, fear, and imposter syndrome in professional and personal settings. Key Takeaways Background and Roles Served 20 years in law enforcement and continues teaching criminal justice and ethical leadership. Founder of 1 Million Lives Transform, focused on empowering women to reclaim their voices. Unmuting Your Voice Many professionals mute themselves due to fear, lack of confidence, or imposter syndrome. Techniques: Awareness: Recognize when you’re silencing yourself. Pause and breathe before responding. Stand up when speaking in meetings to command attention and project confidence. Use phrases like “I’d like to build on that point” to engage respectfully. Mindset and Fear What you tell yourself matters more than external criticism. Replace negative self-talk with affirmations and surround yourself with positive influences. Neuroscience supports that repeated positive input rewires thought patterns. Boundaries and Time Management Learn to say “No” as a complete sentence. Set boundaries for phone calls and social interactions to protect productivity. Busy professionals should establish communication rules (e.g., “Do you have a minute?”). Authenticity and Leadership Authenticity is key—embrace your natural gifts and use them to transform spaces. Leadership requires mindset shifts when moving from peer to manager roles. Mentorship should be intentional and specific, not generic (“pick your brain” requests need structure). 1 Million Lives Transform A movement to help women rewrite their narratives, reclaim confidence, and lead boldly. Focus on self-awareness, boundaries, and empowerment strategies. Notable Quotes “Notice in that moment that you are muting yourself.” “Stand up when you speak—you command the room.” “No is a complete sentence.” “Our gifts are not for us; they are for other people.” “What you say to yourself does more damage than anything anyone else could say.” “Authenticity isn’t lip service—it’s showing up as who you truly are.” “Boundaries are not selfish; they are necessary.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Stephanie Wall. Purpose of the Interview To share Dr. Wall’s expertise as a neuroscience coach, criminal justice professor, author, and mentor. To discuss her mission through 1 Million Lives Transform, a global movement helping women unmute their voices and lead with authenticity and confidence. To provide actionable strategies for overcoming self-doubt, fear, and imposter syndrome in professional and personal settings. Key Takeaways Background and Roles Served 20 years in law enforcement and continues teaching criminal justice and ethical leadership. Founder of 1 Million Lives Transform, focused on empowering women to reclaim their voices. Unmuting Your Voice Many professionals mute themselves due to fear, lack of confidence, or imposter syndrome. Techniques: Awareness: Recognize when you’re silencing yourself. Pause and breathe before responding. Stand up when speaking in meetings to command attention and project confidence. Use phrases like “I’d like to build on that point” to engage respectfully. Mindset and Fear What you tell yourself matters more than external criticism. Replace negative self-talk with affirmations and surround yourself with positive influences. Neuroscience supports that repeated positive input rewires thought patterns. Boundaries and Time Management Learn to say “No” as a complete sentence. Set boundaries for phone calls and social interactions to protect productivity. Busy professionals should establish communication rules (e.g., “Do you have a minute?”). Authenticity and Leadership Authenticity is key—embrace your natural gifts and use them to transform spaces. Leadership requires mindset shifts when moving from peer to manager roles. Mentorship should be intentional and specific, not generic (“pick your brain” requests need structure). 1 Million Lives Transform A movement to help women rewrite their narratives, reclaim confidence, and lead boldly. Focus on self-awareness, boundaries, and empowerment strategies. Notable Quotes “Notice in that moment that you are muting yourself.” “Stand up when you speak—you command the room.” “No is a complete sentence.” “Our gifts are not for us; they are for other people.” “What you say to yourself does more damage than anything anyone else could say.” “Authenticity isn’t lip service—it’s showing up as who you truly are.” “Boundaries are not selfish; they are necessary.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

What's the difference between a mistake… and a bad decision? My guest knows this only too well. Tom Hardin has been on the show several times before. As Tipper X, he wore a wire for the FBI and helped build the largest insider trading investigation in US history. Since then, he has spent nearly a decade speaking to organisations around the world about slippery slopes, rationalisation, and how good people drift into serious trouble. In this episode, he returns to discuss his new book, Wired on Wall Street. The book goes beyond the insider trading case many listeners already know. It explores the ambition, insecurity and desire for status that shaped his early career, and the patterns he only recognised years later when writing it down. For the first time on a podcast, Tom is also joined by his wife, Sue. She played no role in the trades that changed his life, but her life was dramatically altered by them. She reflects on discovering the truth, keeping a secret that wasn't hers, facing sentencing uncertainty, and what it means to rebuild together. This conversation isn't really about insider trading; it's about character.Key ThemesWhy calling something a “mistake” can soften accountabilityThe psychology of slippery slopes and rationalisationStatus anxiety and the need to belongResume virtues vs eulogy virtuesShame versus guilt — and why the distinction mattersThe hidden impact of ethical failure on spouses and familiesWhat writing a book can reveal that telling a story on stage cannotThe freedom that comes from having nothing left to hideTom's story is unusual; the human dynamics behind it are not.AI-Generated Timestamped Summary00:00 – More than insider tradingWhy this conversation is about character — guilt vs shame, mistakes vs bad decisions, and the cost of ethical drift. 02:30 – The story in briefTom recaps becoming “Tipper X” and helping build the largest insider trading investigation in US history. 03:15 – Why write the book now?After a decade of speaking, Tom explains what finally pushed him to put the full story — childhood, ambition, insecurity — on paper. 08:00 – The deeper patternFrom Georgia to the Ivy League to hedge funds: the outsider mindset, status anxiety, and the slippery slope. 16:00 – Small decisions, big consequencesEarly corner-cutting, rationalisation, and the fraud triangle in action. 26:00 – Resume virtues vs eulogy virtuesHow Tom's definition of success changed — and the difference between shame and guilt. 31:00 – A simple test for integrityOne question that could replace most Codes of Conduct:Are you willing to be held accountable for this decision? Sue's Perspective 40:30 – The night she found outShock, disbelief, and the future collapsing in an instant. 44:00 – Keeping a secret that wasn't hersWhite lies, reputational fear, and the strain of silence. 49:00 – Sentencing dayWhy she insisted on being there — no matter the outcome. 52:30 – Reinvention and resilienceStay-at-home dad years, ultramarathons, and rebuilding a life together.LinksWired on Wall Street: www.tipperx.com/bookTipper X Website: www.tipperx.comTom's previous appearances on the show:Tom's experience as FBI Informant Tipper X - https://www.humanriskpodcast.com/tom-hardin-on-his-experience/Turning Crime Into A Calling - https://www.humanriskpodcast.com/tom-hardin-on-turning-a-crime-into-a-calling/Tom's Substack: https://substack.com/@tipperxTom on LinkedIn: https://www.linkedin.com/in/tipperx/

The road ends (for now), the consequences don't. We're diving into Episode 6 — “The Morrow”, the Season 1 finale of A Knight of the Seven Kingdoms — where the dust from last week's devastation finally settles… and immediately kicks back up into everyone's eyes.⚠️ SPOILER WARNING: This is a full-spoiler review for Episode 6. If you haven't watched the finale yet, turn back now like a sensible hedge knight with a healthy fear of plot twists.

(Season 3, Episode 374) Amanda Jones, Mason Dixon and Rob  talk about War, The Olympics, The Blueberry Chicks, County Road 689 and The Haunting of the TV Studio. On Racin' Mason Dixon's Front Porch Stomp, Tonya Kennedy calls in from Arizona to talk about her  matchmaker dates and dating in 2026. She also has some insights and advice on our resident ghosts.  It's all here, right now, on the Moondog Show.

Sunderland burst out of the blocks this season and have been one of the Premier League's biggest stories. Energy, intensity, momentum — they've had it all. But are there signs that the pace is catching up with them? In this preview, we look ahead to Bournemouth vs Sunderland and ask whether the Black Cats are starting to run out of steam after their incredible start — and whether Bournemouth can take advantage at exactly the right moment - as they hunt down a European spot. We break down: ◼️ Recent form and underlying numbers ◼️ Squad rotation and signs of tired legs ◼️ Key tactical battles ◼️ Where Bournemouth can hurt them ◼️ Score predictions ◼️ This could be a massive swing game in the European race. Bournemouth Heart Club: https://www.afcbpodcast.com/wp-content/uploads/2026/02/Bournemouth-Heart-Club-HEARTSMART-A5.pdf Download the FREE Fanalysis app on the App Store now! ➵ iPhone: https://apps.apple.com/gb/app/fanalysis/id6749045838 ➵ Android: https://play.google.com/store/apps/details?id=co.uk.fanalysis Thank you to everyone who has contributed to all our platforms. If you're enjoying this show, you can help support us by buying us a coffee at ⁠https://www.afcbpodcast.com/coffee⁠ – we really appreciate it! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Wolf Hall composer Debbie Wiseman and Scottish classical composer Jay Capperauld are Jeffrey Boakye and Anna Phoebe's studio guests as they add five more tracks. Starting with a hip-shake in Colombia, they head to South Africa, a state secondary school in London, the firebombing of Dresden, and finally to Honolulu for a Canadian lament.Producer Jerome Weatherald Presented with musical direction by Jeffrey Boakye and Anna PhoebeThe five tracks in this week's playlist:Hips Don't Lie by Shakira Zithande by Freshlyground Another Brick in the Wall, Part 2, by Pink Floyd String Quartet No 8, 2nd mvt: Allegro Molto by Dmitri Shostakovich Big Yellow Taxi by Joni MitchellOther music in this episode:Rock Your Baby by George McCrae Our Gilded Veins by Jay Capperauld With Love by Thin Lizzy Amores Como El Nuestro by Jerry Rivera Dance Like This by Wyclef Jean The Time of Our Lives by Toni Braxton and Il Divo Waka Waka (This Time for Africa) by Shakira and Freshlyground Chicken to Change by Freshlyground Endlings by Jay Capperauld

Feb. 27, 2026, | Pastor Don Dixon To watch the video: https://youtu.be/n3RG86zLlJc To help support this ministry, donate by texting the number: 704-445-5353, or online using the "Tithely" App, & give to "First Church Charlotte", or by going to the website link: Giving | First Church Charlotte Breakthrough on Mondays at 7pm: https://meet.google.com/ppj-surc-zvt Stay Connected Women's Bible Study on Tuesdays at 7pm: https://meet.google.com/zss-cuin-buw Connect on Wednesdays at 7pm: https://meet.google.com/cds-mmwh-tzk?pli=1 House to house On Thursdays at 7pm: https://meet.google.com/vnq-txun-ozr If you are in the Charlotte, NC area, allow us to host you at: 4929 N Sharon Amity Rd. Charlotte, NC 28205 (704) 535-1000

Zen teacher Mark Blacknell talks to W Lance Hunt and Vegas K Jarrow about meditation practices and their benefits.

Destination: Mojave Desert   Welcome to Dr. Mary Travelbest's 5-Step Guide to Solo Travel for women like you who need a little extra support as they travel the world (slowly), one woman at a time.   I've been traveling solo since 1972. Now you can experience for yourself in the Book Series: 5 Steps to Solo Travel, A Woman's Guide to Travel and Destinations in Her Prime, found on Amazon. Yes, it has been a best seller in its category for some time! Please rate this podcast and the book!   In this episode: Mojave Desert    FAQ: loneliness on the road and how to pause when it happens. Today's Mistake- Dropping off at the Navajo Reservation Travel Advice: Have multiple backups when traveling in the desert.   FAQ: How do I handle moments when loneliness or vulnerability hits unexpectedly on the road?   Loneliness can show up even on a dream trip — and it doesn't mean you made a mistake. When it happens, I don't fight it or judge it. I pause, rest, and reconnect — whether that's through a familiar routine, a call home, or simply being around other people in a café or public space. Solo travel builds confidence, but it also requires emotional honesty. Feeling vulnerable doesn't make you weak; it reminds you that you're human — and capable of navigating it.   Today's destination: Mojave Desert, including Joshua Tree   The Mojave Desert is a desert in the rain shadow of the southern Sierra Nevada mountains and Transverse Ranges in the Southwestern United States. It is named for the indigenous Mojave people.   Let's dig deeper into this desert.   The Mojave Desert is a North American desert spanning California, Nevada, Utah, and Arizona, known for its iconic Joshua trees, stark beauty, and extreme temperatures, including those in Death Valley. It features diverse landscapes, including sand dunes (Kelso), lava tubes, salt flats, and unique wildlife. Major attractions include Joshua Tree National Park, Death Valley, and Mojave National Preserve, offering activities such as hiking, stargazing, and exploring ghost towns.   Key Figures & Details: Area: Around 47,000 to 50,000 sq mi (or 120,000 to 130,000 sq km). Location: Southeastern California, southern Nevada, northwestern Arizona, and southwestern Utah. Elevation: Extreme range, from 282 ft below sea level (Death Valley) to over 11,000 ft at Telescope Peak. Borders: Bounded by the Sierra Nevada, San Gabriel/San Bernardino Mountains, Great Basin Desert, Sonoran Desert, and Colorado Plateau. Nickname: Often called the "high desert" due to its significant elevation.    You can listen to two podcasts about my Death Valley adventures. Episodes 310 and 311 from 2025.   https://www.nature.org/en-us/get-involved/how-to-help/places-we-protect/mojave-desert/   Inside the desert is:   Joshua Tree National Park: Home to dense Joshua tree forests, hiking, and stargazing. Death Valley National Park: North America's hottest, driest, and lowest point (Badwater Basin). Mojave National Preserve: Features Kelso Dunes, lava tubes (like Hole-in-the-Wall), Cima Ghost Town, and Zzyzx. Red Rock Canyon State Park & Valley of Fire State Park: Known for colorful cliffs and hiking. Stargazing: Excellent dark skies for astronomy.  Today's Mistake- Dropping off at the Navajo Reservation   I was driving from Chicago to San Diego, and one of my riders wanted to be dropped off at the Navajo Reservation. This was a several-day trip, and I was happy to have the company in the car. I've not seen this friend since, and I think she's ok. I wonder whether it was a mistake to do that.  Travel Advice: Have multiple backups when traveling in the desert. Have more than enough of the key items, food, water, blankets, and gas when you travel in the desert. Sometimes, you can't find things you need here. Be prepared. Where are you going? Please let me know if I helped you with your travel. The show notes have ways to connect.   Connect with Dr Travelbest 5 Steps to Solo Travel website Dr. Mary Travelbest X Dr. Mary Travelbest Facebook Page Dr. Mary Travelbest Facebook Group Dr. Mary Travelbest Instagram Dr. Mary Travelbest Podcast Dr. Travelbest on TikTok Dr.Travelbest onYouTube In the news

Are your emails getting ignored because they feel like marketing instead of a real message? Email is one of the most underused and highest-leverage tools in a mortgage business. Social media is unpredictable. Algorithms change. Reach disappears. But email? It's owned. It's direct. And when done properly, it consistently creates conversations, referrals, and deals. In this episode, I break down how to write emails that people actually open, read, and respond to without sounding corporate or spammy. What We Cover: Don't Make It Look Like a Newsletter – Why heavy graphics and formal formatting kill engagement instantly. Write One-to-One, Not One-to-Many – How writing to a single person changes tone and response rates. Subject Lines That Earn the Click – Why subject lines matter more than the body and how to improve them using AI. Fix the Wall-of-Text Problem – How short sentences and spacing make emails easier (and more likely) to read. Format for Skimmers – Why guiding attention with clean structure keeps busy readers engaged. You don't own your social audience. You do own your email list. Build it. Use it. And write like you're sending a message, not broadcasting a newsletter. Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join Mortgage Mindset Daily  I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

Learn what to do when your channel hits a wall⚡️Learn How We Can Help You Grow a Profitable YouTube Channel ➡️ http://ViralVideoCoach.comThis video is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission.

Mantra — the sacred sound of yoga — is, for many students and teachers, shrouded in mystery. In this episode, yoga teachers Dr. Rashmi Bismark and Steph Wall join host Rachel Land to unpack the myths, misconceptions, and cultural questions surrounding mantra in modern yoga practice.  Together, they explore whether the practice of mantra is religious, the importance of correct pronunciation, and how teachers can introduce sacred sound into Western yoga classes without alienating students. Listen in to learn why chanting in community might be one of the most powerful nervous system anchors available. "It's not performative. It's an expression of something bigger." — Steph Wall. — What You'll Learn: Is mantra religious? [5:04]
 Does perfect pronunciation matter? [9:10]
 The roles of mantra in western classes [13:40] Do you need an empty mind for mantra to "work"? [16:35]
 Fear of "singing in public" [20:00] Mantra vs. affirmations [25:59]
 Is westernizing mantra cultural appropriation? [27:59]
 How to introduce mantra respectfully [32:13] Yoga Medicine 20-Hour Mantra Immersion [35:31] — Links Mentioned: Watch this episode on YouTube  20-hour Mantra Immersion with Yoga Medicine at the Kali Collective (Glasgow, May 29–31) Yoga Medicine Yin & Meditation Yoga Teacher Training  Podcast Episode 06: The Power of Mindfulness  Podcast Episode 21: South Asian Teacher Panel  Podcast Episode 72: Counter Compassion Fatigue Podcast Episode 59: Explore the Dark Side Podcast Episode 94: Magic of Mythology Connect with Dr. Rashmi Bismark: Facebook | Instagram | Rashmi Bismark MD | X | YMO Guest Teacher Connect with Steph Wall: Facebook | Instagram | Kali Collective Instagram | YMO Guest Teacher

If your body pulled the emergency brake tomorrow, would you wish you'd slowed down sooner?Growing up on a dude ranch in the remote town of Utica, Montana, Lindsey Korell was immersed in a world where hard work, family, and a curious eye toward the wider world set the tone for her upbringing. Surrounded by international guests drawn by her grandfather's innovative marketing and her father's relentless entrepreneurial drive, Lindsey developed a deep-rooted wanderlust and a respect for building success through grit and persistence. Early lessons included watching her dad make cold calls every evening after family dinner—a practice that became both a source of admiration and apprehension, showing Lindsey the realities, and costs, of uncompromising dedication.Curiosity about life outside Montana led Lindsey far from home, first to England on a Rotary Foundation scholarship and later to Turkey, where she wrote her master's thesis on a bridge-building project. These adventures expanded her worldview, helping her recognize just how small her perspective had been and igniting what would become a lifelong passion for travel and understanding diverse cultures. A stint in the Peace Corps working with banking co-ops in developing countries taught her the profound importance of flexibility and humility. The world looks a lot different when you experience it on the ground and she learned how vital it is to see life through more than one lens.Back in the U.S., Lindsey's career spanned real estate, launching her own businesses, and high-level operations in the corporate world. For years she thrived on the illusion that she could handle everything herself. Then came the wake-up calls she never expected. First a serious autoimmune diagnosis discovered by chance and, not long after, a heart attack that forced every assumption about work, life, and health into question.Lindsey's journey is one of repeated reinvention, and one that includes unlearning the myth of invincibility and gradually accepting that genuine success is as much about surrendering control as it is about seizing it. Today, she helps women create more breathing room in their businesses. Through lessons learned in moments of both triumph and adversity, Lindsey embodies a philosophy that true fulfillment is about presence, perspective, and prioritization.Hype Song: Lindsey's hype song is “Something's Got a Hold On Me” by Christina Aguilera Resources: Lindsey's website: dailyprincipal.com LinkedIn:linkedin.com/in/lindseykorell Invitation from Lori:This episode is sponsored by Zen Rabbit. Smart leaders know trust is the backbone of a thriving workplace, and in today's hybrid whirlwind, it doesn't grow from quarterly updates or the occasional Slack ping. It grows from steady, human communication.Plenty of companies think they're doing great because they host all-staff meetings, keep “open door” policies, and throw the occasional team-building event. Meanwhile, leaders who truly care about culture are choosing better tools.That's where I come in. Forward-thinking organizations bring me in to create internal podcasts that connect people through real stories, honest conversations, and genuine community—your old printed newsletter reinvented for the way people actually work now.If you run, work for, or know a company ready to upgrade communication and strengthen...

Welcome to the Charismatic Leader Podcast. In this episode, Brett McDermott sits down with Dr. Matt Paden, president of Great Days Leadership and author of The Core: Eight Principles for Building Strong Authentic Leadership. Matt brings decades of experience helping leaders and organizations move from where they are to where they need to be by focusing on authenticity, influence, and value creation.Together, Brett and Matt explore why leadership isn't about titles or power—it's about credibility, congruence, and connection. They discuss how leaders can build trust by aligning words with actions, why culture change is the hardest but most impactful shift an organization can make, and how endings are often necessary for new growth. Matt also shares his inside‑out approach to leadership, emphasizing self‑awareness, presence, and the daily habits that inspire people to follow because they want to, not because they have to.This conversation is packed with actionable insights for leaders who want to create healthier cultures, inspire genuine commitment, and lead with authenticity in a world that often rewards performance over presence.Key TakeawaysLeadership as authentic influence that creates valueWhy credibility and congruence drive trust and followershipThe challenges and opportunities of culture changeThe importance of endings in creating space for new beginningsCore principles for leading from the inside out with presence and care

Let's get technical AND tactical - this week we're breaking down the most common ways climbers waste energy on the wall. From footwork faux pas to tactics to resting skills - we're  giving you some actionable tips to climb more efficiently - so you can climb more in general. Resources: Here's the top 10 list and DRILL cheat sheet that goes with this episode [LINK] Eric Horst blog post on pacing for sport climbing. [LINK] *also in the last bit of the episode Lauren MEANT to say "omniscient" instead of "omnipotent". WHOOPS. Connect with Lauren Get on The Crew wait list https://www.goodsprayclimbing.com/crew-wait-list-march-2026 Apply for 1:1 Coaching https://usv2nrx1n1p.typeform.com/to/vFaAWnov Connect with Caitlin Book a clarity call: https://my.practicebetter.io/#/5ee7f9332a982306fcce6ca4/bookings?step=date www.caitlinholmes.com  

In this episode of Watchman on the Wall, Dr. Bob Sanders joins Josh Davis to delve into the essence of true biblical revival. Exploring key insights from Psalm 73 and the life of Asaph, Dr. Sanders clarifies the distinction between revival and evangelism, highlighting the path to personal and national spiritual renewal. Listeners are invited to deepen their understanding and pursue a genuine relationship with God. Additional updates on ministry activities and upcoming events are provided.

Joan Barnes wanted to meet new moms and that was the inspiration for a place for moms to hang out with other moms. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom and pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. Here’s one of those. [Tommy Cool Plumbing, Cooling & Heating Ad] Dave Young: Welcome back to the Empire Builders Podcast, Dave Young here with Stephen Semple, and we’re talking about empires. Stephen just whispered the name of the topic into my headphones, and I recognize it, but I don’t recognize it. I don’t have any direct experience with this other than when I was a little kid watching Romper Room, but I don’t think it’s the same thing. The topic is Gymboree, but it sounds like it’s probably related, but I doubt that it is. Stephen Semple: Gymboree is not big any longer. There’s a bit of a sad story on that. Dave Young: It was a place though, wasn’t it? Stephen Semple: Right, it was, and it was huge at one point. It was part of the culture and it was mentioned in movies. It was a really, really big deal at one point. Dave Young: Yeah, here’s the issue. Here’s why I don’t remember it. I didn’t grow up in a place. It wasn’t the kind of place it would have a thing. I think I told you I drove 100 miles on our first date to go to Starbucks at a Barnes and Noble. Stephen Semple: It wasn’t even a real Starbucks. Dave Young: No, it wasn’t even a standalone Starbucks. Stephen Semple: Well, to give you an idea how big it got in 2010, Bain bought the company for $1.8 billion, 1.8 billion, and seven years later it went bankrupt. Dave Young: Oh, boy. That’s a bigger story than Gymboree if we wanted to go there. But let’s go go with building the empire. Stephen Semple: Let’s go with the building of the empire. Dave Young: How many buyout people does it take to ruin a company? Not many. Stephen Semple: But here’s the thing that’s interesting about this story. We often talk about this whole idea of unleveraged assets, and unleveraged assets becomes a very, very big part of this story. It’s very, very cool. The business was founded by Joan Barnes in 1976. She grew up outside of Chicago, studied dance and English in college, and got married. They moved to the West Coast. She’s this new mom in this new area looking for connections, and she started to host these get togethers with parents and kids at a local Jewish center. Joe Barnes, her husband, was a journalist. This journalist background becomes important a little bit later. As I mentioned, they grew up outside of Chicago and they picked up and moved and landed in San Francisco, where he got a job. And then they moved out to a suburb in 1973. She was basically lonely. 1973 was actually one of the lowest birth years in a long time, and so she was looking for people who had kids. Both of their families, both her family and his family, were back on the East Coast, and so she wanted to meet other moms. At this point, this whole idea of play groups didn’t exist. It was this new idea. And so she was in this dance company and had a friend in the company, and this friend had been offered a job to run activities for kids in a local community center. She was nervous to do it. Joan suggests, “Why don’t we share this idea?” And so it was a preschool after school programs. Joan went to a local YMCA that had this gym that they had set up called Kindergym, and she went and she checked it out. Everything there was this full-sized gym equipment and they modified how it was being used, but it was like full sized trampolines and full sized this and full sized that. As soon as she saw it, she had this vision of what it could be. Dave Young: I mean, there’s nothing funnier than a five-year-old on the uneven bars. Stephen Semple: Yeah, there you go. Dave Young: I’m just saying. But go ahead. Stephen Semple: So she had this vision: scale down the equipment, make it colorful, add music, lively teacher. This could be something really special, and maybe this is what could be done at the Jewish center. Now, some of the things were available it turns out she found out for special needs kids and the rest needed to be built, so she started to do that. But here’s the other thing. She knew how to get press to promote this. She had learned from her husband. She created a story of what the plan would be like, and she managed to get this big full page feature article in the local newspaper. In 1976, they opened this Kindergym in the JCC, and it’s immediately this huge success. It’s oversold. They hire preschool teachers to run the program. The goal was for the kids to have fun and let moms connect with other moms. That was the goal. It’s so successful they open another one in a center close by, and at this point they get approached by an entrepreneur, Max Shapiro, to put up some money. Basically the idea was, let’s do more of these. I’ll put up the money, you run them. Max Shapiro had run a basketball camp with Rick Barry, who was an ex-basketball player, that he had sold. He had some money kicking around to do this. They went down to San Montejo and they opened a Kindergym in a temple there, and they hired someone of the preschool background to run it and did the same idea. Joe went and got a story in a local paper, big story in a local paper. Basically it filled up, and she was running it almost like a franchise. They expand to five or six locations, and at this point she buys out Max and she makes the people that are running these couple of locations partners. It’s 1976, and there’s nine locations in California. They’re making a little bit of money. Joan decides she’s going to get a license to open franchise. Here’s the thing, she didn’t get any legal advice on setting any of this stuff up. She tries to trademark Kindergym, and she’s running this for a couple of years as a franchise until she discovers you can’t franchise Kindergym. It’s too generic a name- Dave Young: Oh, because kindergarten, kinder… Stephen Semple: But she’s already got these franchises isn’t been operating under the name Kindergym. They’re trying to think of different names, trying to think of different names. One day, one of the names sticks. Her husband even calls and the says, “Gymboree, Gymboree, Gymboree.” What a great name, Gymboree. They decide to set it up as Gymboree, and she decides to do it right this time. She goes out and gets some advice, a guy by the name of Bud Jacob, who has experience in franchising, likes the idea, likes her, and decides to help her out. It’s 1982 and they need to raise some money, and Bud introduces her to Stuart Muldaw, who invests. Now at this point, they’re still renting church halls. This is how they’re doing it. They’re going and renting church halls. It’s no leases, none of this other stuff. It’s handshake agreements. He invests $300,000 into the business for 30%. Here’s what they’re looking for. They’re looking for women that were just like Joan when she started this. They’re looking for women in their late 20s, early 30s who are raising families but wanted to do something, wanted to do something more, wanted to bring some extra income into the household. Their strategy is they’ll create a PR strategy in every community that they’re thinking about going to, so just replicating the idea. Again, remember Joe knows how to create this because of her husband, and also was very successful. But here’s another idea that they created. They also did advertorials in the Wall Street Journal. For those who don’t know what advertorials are, their advertisements that look like an editorial. Dave Young: Yeah, you write your own news report, news story, and then pay to have it placed in the paper. Stephen Semple: Right, and this speaks to how well she understands influencers. Because what she was looking at when she created these advertorials, they were not written to the women. They were written to the husbands. The whole idea is the father would read this article in the Wall Street Journal, this advertorial, and think to themselves, “This would be perfect for my wife,” which is really interesting because so many people would want to target the buyer instead of targeting the influencer. Dave Young: We call it indirect targeting. You write an ad that’s ostensibly an employment ad for your company. But when you talk about the kind of people you want to hire, you’re really talking to every consumer out there saying, “No, this is the kind of people that we are.” I love that, I love that. Stephen Semple: But today, so few people think that way. It’s all about target, got a target. But here she was purposely targeting the influencer, targeting the father who would read it, this be perfect for my wife. Now, here’s one of the things they were really picky on. Fit was one of the biggest things. If they didn’t think there was a good fit, they didn’t offer the person the franchise, and they focused on the East Coast. At this point, they’re focusing because they didn’t need help on the West Coast. LA was exploding. A lot of the people that they had focusing in on already understood press and media because they were actors on the side and all this other stuff. The West Coast was growing organically, so they were focusing these advertorials and whatnot on the East Coast. Here’s how much it was growing. By 1986, they have 400 centers. They’re doing 15 million in sales in 400 centers. But here’s where the problem happened. Audio: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell Ad] Dave Young: Let’s pick up our story where we left off. Trust me, you haven’t missed a thing. Stephen Semple: Here’s how much it was growing. By 1986, they have 400 centers. They’re doing 15 million in sales in 400 centers. But here’s where the problem happened. Joan realized the franchising model was flawed. It was never going to work. The franchisees could not pay enough money to pay for the support that head office was providing because they were all like these really tiny businesses. They felt like they couldn’t charge much more because there was competitors popping up because it didn’t cost a lot to get these things started. They couldn’t reduce the service they were supporting. Here’s this business, 400 units, all looking great. It’s being mentioned in press and all this other stuff. But the business side is failing, so they needed to figure out another way to make money because the investors needed to get repaid, right? They thought, “Hey, maybe here’s what we could do. Maybe we do licensing because everybody knows the Gymboree name.” Dave Young: Merch. Merch. Stephen Semple: Yeah, so they go out and they get a whole pile of great licenses. But guess what? After about a year, almost all of them dropped them because the products didn’t sell. Hasbro then looks at doing an acquisition event, so they think, “Okay, great.” It felt like a bailout for Joan and a lifeline. Literally, they’re at the stage. Joan and her lawyer and the senior management team have flown to New York to sign the deal with Hasbro. She’s in the hotel and she gets a telephone call from one of the VPs of Hasbro who says the deal’s off. Dave Young: The deal’s off. Just like that? Stephen Semple: Just like that. Her team is there, the investors are there, her lawyer’s there, and they’re supposed to meet the next day, and the deal is off. She’s devastated because she now has to go back and tell everyone that this is off. She’s so completely spent this point she says she’s got to go for the weekend to her cabin in the Sierras. She basically looks at her team and says, “You got to think of another plan. You got to think of another plan. This franchising isn’t working. The Hasbro’s deal’s off. We need another plan.” Guess what? what’s the unleveraged asset that they have, Dave? Dave Young: Well, their name. I mean, we’ve got all these kids in there. Stephen Semple: Yeah, so she comes back because they have this great brand, but they have a business that can’t make money. She comes back and sitting on her desk is a sketch of a play center right next to a retail store. Dave Young: There you go. Stephen Semple: Actually, what they end up doing was putting the play center at the back of the store. Dave Young: Sure. Stephen Semple: What’s the asset that they have? Moms coming in to drop their kids off, parents coming in to drop their kids off. And what are they going to do when their kids are playing? Dave Young: Walk clear through the store. Stephen Semple: Clear through the store. It’s like having the gift shop at the back of the museum. When you leave the museum, you got to walk through the gift shop. Dave Young: It’s the milk and eggs back in the back of the grocery store. Stephen Semple: Exactly, unleveraged asset. And so here’s what they decide to do. They’re going to sell their own apparel, sell, play equipment, toys, all that stuff. They’re going to do as much as they can, where they’re going to brand it all themselves. Basically you got to walk through the gift shop, and the gift shop is what’s going to make the money. The play center is the draw that brings people in. They went back to the board to ask for money to invest, and they agree to do a test store. That then for a whole bunch of reasons, ends up becoming two test stores. One of the things that freaked Joan out at the time was one of the people on the board was very close to the folks at Gap. She gets a meeting with Gap, and Gap says to them, “We love the idea so much. We’re launching Gap Kids in a few months.” Dave Young: Oh, great. Thank you, we’re stealing the idea. Stephen Semple: It was one that was so far along she’d even say it wasn’t that because they were like, “Literally, we’re opening in four months Gap Kids.” Dave Young: They already were watching and saw that this paying attention to little kids can pay off. Stephen Semple: Yeah. But anyway, they launched in 1987. I want you to go back to 1987 because in 1987, malls were really big, and getting into a mall… You couldn’t just get into a mall. Malls had to approve you. They were very picky, right? Now, it’s still that way for really high-end luxury malls today. But you couldn’t just pick up the phone and say, “Hey, I wanted to open in a mall.” But what Joan was able to do is the Gymboree name was so well-known she was able to leverage the name. She was able to leverage the idea that parents will be coming in, dropping their kids off, and wandering around. She got into a couple of really great malls, and here’s what ended up happening. That Christmas, her two locations were the highest dollar per square foot sales in the entire mall. Dave Young: In the mall? Okay. Stephen Semple: So that huge success, huge success. Based upon that success, she was able to go out and raise $6 million to expand the business. 17 years later, Bain comes along and buys the business for $1.8 billion and then bankrupts eight, seven years later. Dave Young: I wonder how much of the equity she still owned. Stephen Semple: I don’t know because one of the things that happened- Dave Young: I mean, she sold that 30% chunk and that early guy… I hope she did well. Stephen Semple: One of the things is she did well, but she was completely uninvolved with the company by the time Bain bought the company, she recognized when it was growing that it was beyond her abilities. But she also had some real health issues with some eating disorders and things along that lines, and so there was a certain point after the raise of $6 million and they were doing the really rapid expansion that she actually left the company. She had a whole pile of health issues that she went, “You know what? I’ve got to deal with all of this. I actually need to step back and step away from the business.” I didn’t want to explore all of that. What I wanted to explore was the success that she had of building this business and this whole idea of… To me, it was really interesting. You and I often talk on this podcast, what are the unleveraged assets of the business? They had it there in front of them, and they were forced to look for it when all of a sudden it was, this franchise model cannot make money. They explored every possible way, and there was no way for it to make money. The sale falls through and suddenly it’s like, well, what do we do? The unleveraged asset was we have all these people coming to our locations. We have all these kids- Dave Young: All we got to do is find a location that wants this traffic. Stephen Semple: Yeah, all these kids are coming. Dave Young: They’ll want us if they want the traffic. Stephen Semple: Right? It’s like the whole movie theater. Again, when movie theaters were much bigger than they are today, you would have a mall where you put a movie theater. And then that would attract all sorts of restaurants around it because the movie theater brings people to the location. The anchor tenant back in the day. We had the anchor tenant in the mall. That brought people to the mall. They had that asset there and were not leveraging it. Dave Young: I mean, to have that designation of the highest dollars per square foot in the mall, that was before at Apple Stores, but she held that position for a bit, right? That’s pretty cool. Stephen Semple: Yeah, and it was all from, okay, we’ve got these people coming in. It’s no easy task, no easy task. People coming in, we should sell them stuff. They love Gymboree, so let’s sell them branded Gymboree apparel, branded Gymboree toys, and all that other… Dave Young: And the brand just doesn’t exist anymore? They bankrupted it and… Stephen Semple: Still a few around. I think there’s a company that now that’s trying to revive it and things along that line. I didn’t look too far after the whole Bain thing was like- Dave Young: Yeah, in my mind I’m thinking, okay, well, she did all this before social media, too. That’s pretty amazing. Stephen Semple: But what she leveraged was and what she knew was how to create PR. Dave Young: Yeah, I love videos of kids falling off playground equipment for some reason. Or there’s one where you’ve probably seen the meme of the perfect job doesn’t exist. Oh wait, it’s a guy on a skating rink throwing a big ball at kids and knocking them over. I’m like, “Okay, yeah, sign me up.” Well, that’s a cool story. There’s several reasons I didn’t really know much about it. I was born at the wrong time when she was up and running big. I was a young guy in his 20s without any kids living in a town that didn’t have a mall and blissfully unaware of all the things that were affecting us. But what a cool story, and good for her for building it up and making a nice, big, juicy exit. Stephen Semple: When I heard it just jumped out at me just because of it being such a good example of an unleveraged asset that they were forced to find because of all these other challenges. That’s often the thing that we’re doing when we’re going and visiting businesses is that whole, what are the assets? Is it a story? Is it thing? Is it- Dave Young: Oh, absolutely. It’s fun. To me, that’s the fun of the one-day sessions that we do, which is you start pulling at threads looking for those. They don’t even realize it, but that’s really what you’re looking for. What do you have that we can leverage in a good way that people just don’t understand that you do or that you have or where you are or who you are? Those kinds of things. Stephen Semple: They didn’t realize they had it until they were forced to look for it. Dave Young: Great fun. Well, is there a Gymboree for old men? I should probably go. Stephen Semple: There’s a business opportunity. Dave Young: We just go in and play around on equipment. Not serious weightlifting, but you’d get some work in. Stephen Semple: There you are. Dave Young: I can, probably. Thank you for bringing the Gymboree story. Stephen Semple: All right, thanks, David. Dave Young: Thanks for listening to the podcast. Please share us. Subscribe on your favorite podcast app, and leave us a big, fat, juicy five-star rating and review at Apple Podcasts. If you’d like to schedule your own 90-minute Empire Building session, you can do it at empirebuildingprogram.com.

The Good Guys fold some paper and punch some holes. The one where The Good Guys watch ⁠⁠⁠⁠The Black Hole.-The Good Guys:  Regan, Rob, and Ryan -Producer:  Eric 'e0n' Chung  -Engineers:  Regan & Eric  -Social Media Strategist:  E  -Background Music and FX courtesy of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Karl Casey @ White Bat Audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  - -How A Blackhole Works -How A Blackhole Really Works -Maximum Max -⁠ -⁠⁠ -Featured background music playlist:  Ad Infinitum, Data, Mantra, Symbolic, Vintage, and Arcadia  by  White Bat Audio  -Background music for POP Quiz and Trailer is Galaxy by  White Bat Audio  - Theme music is Battle (Boss) by BoxCat Games and is licensed under CC BY 3.0  - Additional music is Against the Wall by BoxCat Games and is licensed under CC BY 3.0  -

Mea Culpa welcomes back our good friend Harry Litman. Harry was a former US Attorney and Deputy Assistant Attorney General and is currently the legal affairs columnist for the Los Angeles Times Opinion Page and professor of Constitutional Law at UCLA and UCSD. He can be seen as a legal and political commentator on CBS, NPR MSNBC, and CNN. Litman is also the creator and host of the Talking Feds Podcast, a must-listen for its sharp analysis of the corruption, crimes, and moral failures of the Trump era and beyond. Michael and Harry dig deep into the legalities of January 6th.

This week on Sinica, I speak with Yi-Ling Liu, journalist, former China editor at Rest of World, and author of the new book The Wall Dancers: Searching for Freedom and Connection on the Chinese Internet. Yi-Ling's book traces the arc of Chinese online life through five protagonists — a rapper, a gay rights entrepreneur, a feminist activist, a science fiction writer, and an internet censor — each navigating the creative and constrictive forces of the Chinese internet in their own way. The result is a deeply reported, novelistic account of what it felt like to live, create, and push back in one of the most surveilled and dynamic digital environments on earth. We discuss the book's central metaphor of "dancing in shackles," the early utopian glow of Chinese netizen culture, the parallel fates of hip hop and science fiction under the state's alternating embrace and constraint, and the eerie convergence between the Chinese internet and our own.0:06 — "Wall dancers" as a metaphor: what it captures that "dissident" or "netizen" doesn't0:09 — Why 网民 (wǎngmín) took root in China as a concept of digital citizenship0:13 — The early Chinese internet: more open than we remember, but not as free as the myth suggests0:15 — Ma Baoli: closeted cop to CEO of China's largest gay dating app, and the Gay Talese reporting strategy0:20 — Lan Yu, Beijing Story, and the film that became a coming-out moment for a generation of queer men0:22 — Pragmatism at the heart of the dance: how individuals and the state negotiated the internet together0:28 — Lu Pin and Feminist Voices: from "playing boundary ball" to sudden exile0:35 — Stanley Chen Qiufan and the state's attempt to co-opt science fiction for nationalist ends0:43 — The generational split in Chinese sci-fi: Liu Cixin's cosmic scale vs. the near-future unease of Chen Qiufan and Hao Jingfang0:46 — Hip hop's arc: from underground scenes in Chengdu and Beijing to The Rap of China and sudden constraint0:51 — Eric Liu, the Weibo censor: humanizing the firewall from the inside0:55 — Common prosperity, Wang Huning, and the moral panic behind the crackdown on "effeminate" culture0:59 — Techno-utopianism in retrospect: was the emancipatory internet always a fantasy?1:03 — The convergence of the Chinese and American internets: Weibo and Twitter, TikTok and Oracle1:07 — What it means to be free: how the book expanded Yi-Ling's sense of what freedoms people actually wantPaying it forward: Zeyi Yang, technology reporter at WIRED, and co-author (with Louise Matsakis) of the excellent tech x China newsletter Made in ChinaRecommendations:Yi-Ling: The Loneliness of Sonia and Sunny by Kiran Desai; Machine Decision is Not Final, an anthology of essays on Chinese AI compiled by scholars affiliated with NYU Shanghai.Kaiser: The Coming Storm: Power, Conflict and Warnings from History by Odd Arne Westad (forthcoming); Essays from Pallavi Aiyar's Substack The Global Jigsaw, particularly "How Has China Succeeded in Making People Mind their Manners" and "Why I Would Rather Be Born Chinese than Indian Today."See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

All the Episodes of the Heidelcast Subscribe to the Heidelcast! Browse the Heidelshop! On X @Heidelcast On Insta & Facebook @Heidelcast Subscribe in Apple Podcast Subscribe directly via RSS Call The Heidelphone via Voice Memo On Your Phone The Heidelcast is available wherever podcasts are found including Spotify. Call or text the Heidelphone anytime at (760) 618-1563. Leave a message or email us a voice memo from your phone and we may use it in a future podcast. Record it and email it to heidelcast@heidelblog.net. If you benefit from the Heidelcast please leave a five-star review on Apple Podcasts so that others can find it. Please do not forget to make the coffer clink (see the donate button below). SHOW NOTES How To Subscribe To Heidelmedia The Heidelblog Resource Page Heidelmedia Resources The Ecumenical Creeds The Reformed Confessions The Heidelberg Catechism The Heidelberg Catechism: A Historical, Theological, and Pastoral Commentary (Lexham Academic) Recovering the Reformed Confession (P&R Publishing, 2008) Why I Am A Christian What Must A Christian Believe? Heidelblog Contributors Support Heidelmedia: use the donate button or send a check to: Heidelberg Reformation Association 1637 E. Valley Parkway #391 Escondido CA 92027 USA The HRA is a 501(c)(3) non-profit organization  

We are staying deep in our anal era, and trust me… it keeps getting hotter. This episode explores what it feels like to be stretched, filled, pinned down, and taken into that delicious space where pleasure and surrender collide. I share why watching a man unravel during sex might be one of my biggest turn-ons—and how my so-called punishment turned into one of the hottest orgasms of my life.

Another busy Wall Pass Wednesday on SDH AMWe look at MLS at the mid-week going from match week 1 to match week 2WESH-TV's Mike Gramajo and MLSSoccer.com's Dylan Butler look at Orlando City and the Eastern Conference matchups that set up the weekendCONCACAF sends more teams through in the CCC- with more tonightUCL had one large surprise and we have your AM news to start your day...

In this 4K Bible documentary I unearth the walls of the Bible, beginning with Jericho, the ancient city whose walls might be the oldest in the world. This is a complete biblical map that traces every major wall in Scripture (like you've never seen before), from Jericho to Jerusalem, from the dividing wall of hostility to Hezekiah's tunnel, all mapped with perspective and stunning full Ultra HD visuals.Explained by Christian preacher Joe Kirby from Off the Kirb Ministries in 25 minutes the using a complete biblical timeline, maps, archaeology, Scripture, and every book of the Bible#Jericho #documentary #bible #archaeology

This episode explores leadership lessons hidden inside the world's most iconic paintings and explains how consistency, restraint, authenticity, and time shape leadership legacy.Host: Paul FalavolitoConnect with me on your favorite platform: Facebook, Twitter, Instagram, TikTok, LinkedIn, Substack, BlueSky, Threads, LinkTree, YouTubeView my website for free leadership resources and exclusive merchandise: www.paulfalavolito.comBooks by Paul FalavolitoThe 7 Minute Leadership® Handbook: bit.ly/48J8zFGThe Leadership Academy: https://bit.ly/4lnT1PfThe 7 Minute Leadership® Survival Guide: https://bit.ly/4ij0g8yThe Leader's Book of Secrets: http://bit.ly/4oeGzCI

Join Josh Davis, Watchman on the Wall, for an enlightening discussion with evangelist Dr. Bob Sanders on the themes of redemption and revival. Delve into biblical truths, explore the story of Mephibosheth, and uncover the power of grace. Discover how God's pursuit of man leads to spiritual awakening and intimate communion with the divine.

Floppy Days 160 - The KayPro, Part 4, with Matt Jones Patreon: https://www.patreon.com/FloppyDays Sponsors: 8-Bit Classics  Arcade Shopper  FutureVision Research  Tuc's Workbench  YouTube Channel: https://www.YouTube.com/@floppydayspodcast  Hello, and welcome to episode 160 of the Floppy Days Podcast for February, 2026.  I'm Randy Kindig, your host.  We are currently covering computers introduced in the year 1982 and, to that end, we are at the tail end of a series of podcasts about the Kaypro line of computers.  Kaypro had a rich and varied family of computers; certainly much more so than I ever realized.  I was able to interview David Kay, son of the founder of KayPro, and president of the company for some time, in the first two episodes.  Last month, Matthew Jones, an aficionado of the KayPro computers and owner of many of the models, helped me talk about KayPro history, tech specs, and more, through the topic of using the machine.  This month Matt and I complete the KayPro series by starting with books and magazines and ending with current Web sites and a lot more content in between. I will have a video version of this episode posted to the Floppy Days Podcast channel on YouTube (https://www.YouTube.com/@floppydayspodcast ) that will be available for everyone soon (after the early access period for Patreon supporters has expired).  So, please consider becoming a subscriber on YouTube.  Doing so helps support the podcast. You will hear ads from some great vintage computer stores, themselves vintage computer fans, throughout the early part of this podcast.  For all of these storefronts, when you place an order, please mention Floppy Days in the notes or comments of the order.  Doing so will help support the podcast.  Many thanks!! New Acquisitions Atari XF551 - https://en.wikipedia.org/wiki/Atari_XF551  Upcoming Shows Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub  Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/  Atari Invasion 2k26 (10th Anniversary) - March 21 - Maarssen, Netherlands - https://www.atari-invasion.nl  VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/  Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/  The Annual "Last" Chicago CoCoFEST! - April 24-25, 2026 - Holiday Inn & Suites Chicago-Carol Stream (Wheaton), Carol Stream, Illinois - https://www.glensideccc.com/cocofest/  Commodore Los Angeles Super Show 2026 - April 25-26 - Burbank, CA  - http://www.portcommodore.com/class  VCF Europe - May 1-3 - Munich, Germany - https://vcfe.org/E/  Vintage Computer Festival Pacific Northwest 2026 - May 2-3 - Tukwila Community Center, South Tukwila, WA -  https://vcfpnw.org  VCF Southwest - May 29-31, 2026 - Westin Dallas Ft. Worth Airport - https://www.vcfsw.org/  Retrofest 2026 - May 30-31 - Steam Museum of the Great Western Railway, Swindon, UK - https://retrofest.uk/  Popular Magazines/Newsletters Major September 1983 review in Byte - https://retrocmp.de/kaypro/1983_09_BYTE_08-09_Kaypro-II.pdf  Heavily featured in Micro Cornucopia; curated Kaypro index here - https://retrocmp.de/kaypro/kay-p13_micro-c.htm  First Osborne Group (FOG) - https://archive.org/details/foghornnewsletter  Non-Linear Systems published Pro-Files, a Kaypro users magazine - https://archive.org/search?query=collection%3Akayproprofiles&sort=-publicdate  Books Chilton's Guide to Kaypro Repair and Maintenance by Gene Williams - https://amzn.to/4nQj6XV  Basic Kaypro for Kids Paperback by W. H. Darnell (Author), P. J. Barton (Author) - https://amzn.to/465ofFs  KayPro books at Amazon - https://amzn.to/4goRQgy  Kaypro II User's Guide (getting started, bundled software) - https://messui.polygonal-moogle.com/comp/kaypro_um.pdf  Dealer Quick Reference Manual - https://archive.org/details/bitsavers_kayproKaypManual1982_1562045/page/n2/mode/1up  Using the Kaypro II personal computer by Lord, Kenniston W - https://archive.org/details/usingkayproiiper0000lord  The instant expert's guide to the Kaypro II by Bennett, M. D - https://archive.org/details/instantexpertsgu0000benn  KayPro Documentation, including KayPro Technical Manual - https://archive.org/details/the-kaypro-II-users-guide/1484-D_KayproTechnicalManual_Dec84/  Software ROMs for KayPro - https://archive.org/details/KayproII_201809  TOSEC (The Old School Emulation Center) software collection at archive.org - https://archive.org/details/bitsavers_kayproKaypManual1982_1562045/page/n2/mode/1up  Software images - https://mame.spludlow.co.uk/SoftwareLists.aspx?Exact=true&List=kaypro  Ads and Appearances Starring the Computer - https://www.starringthecomputer.com/computer.html?c=185  Modern Upgrades Floppy emulation: Gotek/FlashFloppy widely used on Kaypros - https://www.youtube.com/watch?v=yF0L6XpRugo  Hard drive emulation (FreHD): -  https://www.google.com/search?q=FreHD+for+kaypro  Replacement ROMs: Advent TurboROM and KayPLUS: ROM for emulators - https://mame.spludlow.co.uk/Machine.aspx?name=kayproii  buying TurboROM (eBay) - https://www.ebay.com/itm/326275234269   Emulation MAME (Multiple Arcade Machine Emulator):  https://www.youtube.com/watch?v=vsFw9VejeS8&pp=ygUGa2F5cHJv  https://forums.bannister.org/ubbthreads.php?Main=8530&Number=107854&ubb=showflat  izkaypro - https://github.com/ivanizag/izkaypro  kobolt/kaytil - https://github.com/kobolt/kaytil  Virtual KayPro Computer - http://sims.durgadas.com/kaypro/kaypro.html  Buying One Today replacement power supply - https://bonuslifecomputers.com/products/kaypro-meanwell-power-supply-mount?pr_prod_strat=e5_desc&pr_rec_id=8d24492dc&pr_rec_pid=8108848349374&pr_ref_pid=7736195809470&pr_seq=uniform&variant=44048046653630  Community Facebook - Kaypro Computer Users group - https://www.facebook.com/groups/580355602847013/  Forums: AtariAge - https://forums.atariage.com/search/?q=kaypro&quick=1&type=forums_topic&nodes=116  VCFed Kaypro discussions (active repair/usage help) - http://vcfed.com  Current Web Sites and Videos Byte Magazine Sep. 1983 KayPro II Review - https://retrocmp.de/kaypro/1983_09_BYTE_08-09_Kaypro-II.pdf  Bitsavers: Service guides, user/dealer manuals - https://www.bitsavers.org/pdf/kaypro/1484-E_KayproTechnicalManual_Ch1-15_Jun85.pdf  retrocmp (Kaypro portal): Model/board variations, flyers, notes - https://retrocmp.de/kaypro/  OldSilicon - Overviews & photos - https://www.oldsilicon.com/kaypro-ii  RetroArchive — disk images, TurboROMs, utilities and preservation images - http://www.retroarchive.org/  MESSUI (documented user manual scans) - http://messui.polygonal-moogle.com  books, magazines, software - https://www.archive.org  Kaypro Computer Ad (1983) - https://www.youtube.com/watch?v=uStyBfC1pYE  KayPro II Tour - https://www.youtube.com/watch?v=eoK0J69C80I by Scott Lawrence I Hope My Modded Kaypro Doesn't Explode by Action Retro - https://www.youtube.com/watch?v=vsFw9VejeS8&pp=ygUGa2F5cHJv  Lazy Game Reviews - CP/M Vintage Goodies - Osborne 1 Computer & Kaypro IV - https://www.youtube.com/watch?v=oLnTAYMMLOc  Many videos at YouTube - https://www.youtube.com/results?search_query=kaypro&sp=CAM%253D  References Wikipedia - https://en.wikipedia.org/wiki/Kaypro  KayPro (CP/M) information at retrocmp.de - https://retrocmp.de/kaypro KayPro Journal - http://kayprojournal.com  

Australia is best known for its Shiraz. Big bold Shiraz and Cabernet Sauvignon from Barossa Valley, McLaren Vale, and Coonawarra. These are all from South Australia.We have talked about Western Australia (Margaret River) known for Cabernet Sauvignon and Chardonnay.Yarra Valley in Victoria is a cooler region known for its Chardonnay and Pinot Noir.Tasmania is off the south Coast of Australia and is an island. This is a cooler region and produces sparkling wines, Pinot Noir, and Chardonnay.Riesling is normally dry and crisp and best known for coming from the Clare Valley and the Eden Valley. Barossa Valley: Famous for bold Shiraz.Coonawarra: Renowned for rich Cabernet Sauvignon.Margaret River: A key region for elegant Chardonnay and Sauvignon Blanc blends.Clare Valley: Known for world-class, dry Riesling.McLaren Vale: Produces excellent Grenache, Shiraz, and GSM blends.Yarra Valley: A cooler climate region well known for quality Pinot Noir. Tonight, we are tasting:2020 Koonunga Hill, Shiraz Cabernet. Penfolds Wines South Australia. The winery is one of the best known in Australia and was established in 1844. Deep purple color, sweet dark dense berries, chocolate. Medium acidity, full-bodied, 14.5% alcohol. Flavors of vanilla bean creaminess and warm spice. Dried rosemary and sage might give appearance of earthiness. I purchased at Costco for $8. I mostly saw this wine running around $11, but I did see an online clearance sale (at Fine Wine and Good Spirits) for $4.33 (it said $11.26 off). The wine comes from the South Australia, but is a multi-regional blend. 65% Shiraz and 35% Cabernet Sauvignon.2020 Max's Shiraz Cabernet Penfolds. I purchased this wine at WineStyles for $17.00. Wine Enthusiast says aromas of blackberry jam, cherry cordial, pencil shavings and sweet vanilla bean-and-dark-chocolate oak influence. Rich, balanced acidity with tannins in the background. Could benefit from a few more years of aging. The wine scored a 92 from Wine Enthusiast. 70% Shiraz and 30% cabernet Sauvignon. 14.5% alcohol.2021 Bin 28 Shiraz Penfolds. Purchased at Wall to Wall Wine for $30. Wine Enthusiast says dense, ripe and powerful with quite a bit of oak. Chocolate with dark fruit and pepper spice on the nose. Flavor is rich and luscious, muscular tannins support rather than overpowers. Could age for a few more years. The wine was scored a 93 from the Wine Enthusiast. The wine is aged in American Oak for 12 months. 14.5% alcohol.We both liked #2 Max's Shiraz/Cabernet the best, and we thought this was the best buy of the night. I also liked #3 Bin 28 Shiraz, a very powerful fruity-oaky wine. I felt it lost a little balance because of the amount of oak, Denise didn't care for it's finish. Neither of us really cared for #1 Koonunga Hill, Shiraz/Cabernet. Next week we are exploring white wines of Australia.

Emerald Fennell's new adaptation of Emily Brontë's 1847 gothic romance "Wuthering Heights" is the most talked-about film of the year. But for pop lovers, the soundtrack is the real event: Charli xcx, asked to write one song, ended up recording an entire album for the movie while in the middle of the BRAT tour. If BRAT gave people permission to be messy on the dance floor, this score gives permission to be messy in your souls. But Charli isn't the first artist to channel "Wuthering Heights" into music. Line up her hyperpop strings and cavernous reverb against Kate Bush's winding harmonies, a Hollywood orchestral score from 1939, and Ryuichi Sakamoto's unsettled piano, and something surprising emerges: the most operatic, passionate, Wuthering Heights-obsessed recording of them all might belong to someone you'd never expect.Songs discussed: Charli xcx “Everything is Romantic” Charli xcx “Always Everywhere” Charli xcx “House” (feat. John Cale) Hans Zimmer “Inception score” Charli xcx “Wall of Sound” Ike & Tina Turner “River Deep, Mountain High” Charli xcx “Chains of Love” Charli xcx “Out of Myself” Charli xcx “Funny Mouth” (co-written with Joe Curie) Alfred Newman “Wuthering Heights score (1939)” Ryuichi Sakamoto “Wuthering Heights score (1992)” Kate Bush “Wuthering Heights” Celine Dion “It's All Coming Back to Me Now” Learn more about your ad choices. Visit podcastchoices.com/adchoices

An unfiltered, unscripted, unhinged discussion on the murder of JoAnn Nichols. The conversations we used to have after we hit stop. Instead, we keep recording. Listen at your own risk. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

*Skip the Foreplay at around 14:00 (this is a rough guesstimation due to ad placement by AI and not human beings) In 1985, 55-year-old first grade teacher, JoAnn Nichols vanished without a trace from her home in Poughkeepsie New York. Her husband telling those who loved Joann that she was depressed and either walked away from her life and him or committed suicide. For 27 years, no one knew the truth. Until 2013, when a basement renovation uncovered something buried behind a false wall. Had JoAnn never left Poughkeepsie? Or even her home on Vassar Road? In this episode we unravel the decades long mystery, the suspicious story that never quite added up, and the haunting discovery that came far too late for justice. Some secrets don't stay buried. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Watch the Sneak Peek of this Support Team Study – The Jewish Girl Who Died for Her Faith: Part 2, where Nehemia continues the story of Sol Hachuel, the 19th-century Moroccan Jewish girl martyred for her faith, and explores how … Continue reading → The post SNEAK PEEK! Support Team Study – The Jewish Girl Who Died for Her Faith: Part 2 appeared first on Nehemia's Wall.

Every person in D4VD's inner circle is either fighting subpoenas, invoking the Fifth, or refusing to show up — and a Texas appeals court just told his family that's not going to work.The 1st District Court of Appeals in Texas denied three habeas corpus petitions filed by D4VD's father Dawud, mother Colleen, and brother Caleb, who argued that redacted affidavits violated their due process rights. The ruling compels them to testify before a Los Angeles County grand jury investigating the death of 14-year-old Celeste Rivas Hernandez, whose remains were found in D4VD's Tesla in September. A rehearing is set for February 24.The Burke family joins a growing list of uncooperative witnesses. Neo Langston was arrested in Montana and appeared before the panel for just 40 minutes. An unidentified female witness was a no-show. Manager Robert Morgenroth testified for three days but reportedly told his attorney that prosecutors pressed him on why he never contacted police. And D4VD himself is reportedly no longer cooperating.A court footnote referencing "The People of the State of California v. David Burke" strongly suggests a sealed criminal proceeding may already be underway. LAPD Deputy Chief Alan Hamilton promised accountability in November. Three months later, prosecutors are still fighting just to get witnesses in the room.This episode examines the pattern of silence, the legal battles, and what it all means for the case — and for justice for Celeste.No arrests have been made. All individuals are presumed innocent until proven guilty.#D4VD #CelesteRivasHernandez #GrandJury #BurkeFamily #NeoLangston #WallOfSilence #BethSilverman #LAPD #JusticeForCeleste #HiddenKillersJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.

Send a textBrothers and sisters, tonight we have Ed Marbrie from the Faith by Reason website breaking down what I call “Revenge of the Nephilim” and how that may play out according to his interpretation of the Book of Revelation. Ed's website is loaded with edifying information for you and I highly suggest you get over there and have a look around and possibly sign up for one of his courses. Ed's April 2026 Spiritual Warfare Course - https://faithbyreason.net/spiritual-warfare-course-pre-launch-sign-up/Ed's Patreon - www.patreon.com/faithbyreasonEd's website: https://faithbyreason.net/SUPPORTBuy Me A Coffee http://buymeacoffee.com/DangerousinfopodcastSubscribeStar http://bit.ly/42Y0qM8Super Chat Tip https://bit.ly/42W7iZHBuzzsprout https://bit.ly/3m50hFTPaypal http://bit.ly/3Gv3ZjpPatreon http://bit.ly/3G3Visit our affiliate, GrubTerra to get 20% off your next order of pet treats: https://bit.ly/436YLVZSupport the show using Buy Me A Coffee: https://buymeacoffee.com/dangerousinfopodcast SMART is the acronym that was created by technocrats that have setup the "internet of things" that will eventually enslave humanity to their needs. Support the showLeave Voicemail: https://www.speakpipe.com/DangerousInfoWebsite https://www.dangerousinfopodcast.com/Discord chatroom: https://discord.gg/8feGHQQmwgEmail the show dangerousinfopodcast@protonmail.comJoin mailing list http://bit.ly/3Kku5Yt GrubTerra Pet Treats https://bit.ly/436YLVZ Watch LiveYouTube https://www.youtube.com/@DANGEROUSINFOPODCASTRumble https://bit.ly/4q1Mg7Z Twitch https://www.twitch.tv/dangerousinfopodcastPilled.net https://pilled.net/profile/144176BitChute: https://www.bitchute.com/channel/egnticQyZgxD Instagram https://www.instagram.com/dangerousinfo/TwitterX https://twitter.com/jaymz_jesseYouTube https://bit.ly/436VExnFacebook https://bit.ly/4gZbjVa Send stuff: Jesse Jaymz, PO Box 541, Clarkston, MI 48347

The market's been up three years in a row… will it go for a fourth? You scroll past a headline about Bitcoin falling 45%, tariffs getting overturned, and tensions rising overseas, and suddenly you're wondering if your portfolio is sitting on a fault line. This episode is for that moment. Nate and Dave walk through the questions investors are asking right now: Can the market really keep going after three strong years?  What does a Supreme Court tariff ruling actually mean for your money?  Why is Bitcoin sliding while stocks hold up? More importantly, how much of this should change what you're doing? Tune in for our perspective, probabilities, and a reminder that despite the ongoing uncertainty you can always have a plan. If you've felt that low-grade tension in the background lately, this conversation may help you regain some clarity.   [Resources Mentioned] Ben Carlson's blog, "A Wealth of Common Sense" https://awealthofcommonsense.com/       Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 — Welcome Back to our AMA: Ask Monument Anything 1:23 — Iran Tensions And Economic Ripple Effects 7:42 — Can Markets Extend The Winning Streak? 13:10 — Probabilities, Long-Term Returns, And Perspective 19:21 — Supreme Court Tariffs And Who Benefits 26:10 — Volatility As The Price Of Admission 26:37 — Bitcoin Selloff, Leverage Unwind, And What Could Restart Demand Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/   About "Off the Wall":    Markets are noisy. Your time is limited. Off the Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com   

In this episode, a retired housing director reflects on a career spent shaping residential communities—and the people who led them. She speaks candidly about encouraging resident assistants to stay in the field, even as the role has grown more complex, more visible, and more demanding than when she first started. Rather than offering nostalgia, she offers perspective. She acknowledges the challenges today's professionals face while affirming that the work still matters—and that the field still needs people willing to lead with empathy and steadiness. The post Here's the Story: “Reflecting on the Pictures on the Wall” appeared first on Student Affairs NOW.

Join Mac Dominick on 'Watchman on the Wall,' a daily outreach of Southwest Radio Ministries, as he concludes his deep dive into the rise, rule, and return of the old gods. Explore how ancient spiritual forces have influenced history and continue to shape the world today. Discover the hidden connections between ancient mythology and modern spiritual deception. This compelling presentation tackles topics from the retreat of ancient gods into the shadows of Christianity to their influence in secret societies.

The Hole Story is a new series from KUTX. Taped live on the front stage of Hole in the Wall – we've invited artists to not just perform, but also share the inspiration, meaning, or backstory behind each one.  Opened in 1974, Hole in the Wall is one of Austin's most legendary dive bars. It […] The post Carrie Fussell: “Cherry” [The Hole Story] appeared first on KUT & KUTX Studios -- Podcasts.

Episode Title: Overcome the Wall*The Purposefully Fit Podcast is designed to inspire, motivate, and encourage you to pursue YOUR God-given passion purposefully.Visit Coach NikE's Website: IAmNikE.com

In this episode, Sherri and Chelsi discuss the latest fabric trends they have observed and also share why they don't believe it is important to stay up to date with fabric trends as a designer. They then discuss what to do with older/vintage hand me down fabrics and unfinished quilts and projects. Lastly, they revisit their 3rd ever fabric collection, Desert Bloom. They share why this collection was so pivotal in their careers and share some of the unique features of this fabric collection. https://www.buzzsprout.com/1118069/supportShow Notes Blog Post: https://www.aquiltinglife.com/?p=32886Cozy Earth Discount: Use code AQUILTINGLIFE for 20% off site wide! https://cozyearth.com/pages/quiltinglifeHappy Go Lucky 2 (Quilt on the Wall): https://creatorlink.shop/3MXDRDZFireflies (Quilt on the table): https://creatorlink.shop/4s4agYoHappy Go Lucky (Quilt on the Wall Behind Billy): https://creatorlink.shop/4ryj60XDutch's IG & Tik Tok Handle: @dutchdalabNOTE: Some of the links provided here are affiliate links.Where to Find Us:Facebook: A Quilting Life with Sherri & Chelsi: https://www.facebook.com/groups/459389991531728/A Quilting Life Blog: https://www.aquiltinglife.comChelsi Stratton Blog: https://chelsistratton.wordpress.com/A Quilting Life Patreon: https://www.patreon.com/aquiltinglifeA Quilting Life Instagram: https://www.instagram.com/aquiltinglife/Chelsi Stratton Instagram: https://www.instagram.com/chelsistratton/A Quilting Life Pattern Shop: https://www.etsy.com/shop/SherriQuiltsChelsi Stratton Pattern Shop: https://www.etsy.com/shop/StrattonHandmade Visit the A Quilting Life YouTube channel for more great video content: https://www.youtube.com/aquiltinglifeEnjoy what you heard? Be sure to rate and review us on Apple Podcasts and your review could be read on the showSupport the show

From Outsiders to One: The Ministry of Reconciliation (Ephesians 2) In this message at Journey during a series through Ephesians, JonnyMac invites the church to reflect on times they've felt like an outsider and connects that experience to an “us vs. them” culture. Teaching from Ephesians 2:11–18, he explains the historical divide between Jews and Gentiles, how a “Jesus plus” system of traditions created barriers, and how Christ's death broke down the wall of hostility and brought peace, uniting two groups into one and reconciling people to God. He illustrates the challenge of reconciliation with the story of the Prodigal Son, focusing on the older brother's anger and how people can love the idea of God's grace while resisting the “guest list.” The message emphasizes that reconciliation is not only between individuals and God but also a calling for believers, with the church meant to lead in reconciliation in a divided world. Practical next steps begin with prayer, referencing Isaiah 56:7 and Jesus' words about God's house being a house of prayer for all nations, and Matthew 5:44 about praying for enemies. The speaker shares examples of reconciliation seen in a diverse Louisville coffee shop community and a personal story of repairing a broken relationship with a former coworker through ownership, prayer, grace, and restored friendship. The talk concludes with an invitation to use the church's prayer wall to pray for reconciliation and to remember in communion that believers were once outsiders but have been brought near through Christ. 00:00 Welcome to Journey + Springtime Small Talk 00:17 Icebreaker: When Was the Last Time You Felt Like an Outsider? 02:55 Why Outsider Stories Matter: Living in an ‘Us vs. Them' Culture 03:55 Ephesians 2 Setup: Paul, Ephesus, and Reading the Passage 07:22 Gentiles, Israel, and How the Wall of Hostility Got Built 10:07 The ‘Jesus Plus' Problem: Traditions That Keep People Out 12:07 Jesus Breaks Down the Wall: Peace and One New People 14:04 Prodigal Son & the Older Brother: Loving the Party, Hating the Guest List 19:17 Our Calling: The Church as a Ministry of Reconciliation 24:08 How to Begin: Prayer, a House of Prayer for All Nations 27:52 A Personal Reconciliation Story (and a Call to the Prayer Wall) 31:53 Communion & Closing Prayer: Remember You Were Brought Near

Hi friends! This week's guest is someone special - Camille's mom, Edie Fleming! They talk about Edie's background (and why she sounds like such a professional podcasting), Eutychus, Vacation Bible School, Bible study, and so much more!Our memory work for the week is the 6th commandment. You can jump in the Amazing Race (our Wednesday night program) at any time!Find our past episodes on our website!