Podcasts about Wyoming

State in the United States

  • 10,305PODCASTS
  • 30,094EPISODES
  • 45mAVG DURATION
  • 6DAILY NEW EPISODES
  • Feb 7, 2026LATEST
Wyoming

POPULARITY

20192020202120222023202420252026

Categories




    Best podcasts about Wyoming

    Show all podcasts related to wyoming

    Latest podcast episodes about Wyoming

    Epic Outdoors Podcast
    EP 379: Q&A Part 3, When to Draw What Tags, When to Pull the Trigger, Mexico High Fence Mule Deer and a Bear Attack Story

    Epic Outdoors Podcast

    Play Episode Listen Later Feb 7, 2026 87:16


    In this episode we finish off the list of questions that were submitted to us on Instagram, which leads to discussions on drawing tags, deciding on what quality of animal you want to take on a hunt and some discussion on the controversial Mexico high fence Mule deer hunts. To finish off the podcast, we call our good friend Travis Osmond and hear his story of a bear encounter while guiding a hunt in the Wyoming wilderness.

    Firearms Radio Network (All Shows)
    The Live Laugh Larp Podcast 54 – Sh*t Show Extravaganza w/ Wyoming Gun Project

    Firearms Radio Network (All Shows)

    Play Episode Listen Later Feb 7, 2026


    In an obtuse world Mark & Jefe are here to keep you vertical. This time we chat with Matt with Wyoming Gun Project about our experience with Shot Show and what is was like for a newbie FIND Wyoming Gun Project HERE YouTube - https://www.youtube.com/@wyominggunproject THANK YOU TO OUR SPONSOR XS Sights XS Sights - https://xssights.com/ 20% Discount with code LARP Books We Recommend: Herbal Medic: https://amzn.to/3ArhUGX Triphasic Tactical Training Manual: https://a.co/d/0I1iYRu The Merck Manual of Diagnosis and Therapy : https://a.co/d/6jU0EDW Tarascon Pocket Pharmacopoeia: https://a.co/d/fZm4jqp Follow us on Instagram @livelaughlarp_podcast Email us questions/topics at live.laugh.larp.podcast@gmail.com Find the Fit'n Fire YouTube Channel at https://www.youtube.com/fitnfire Intro/Outro Music: Elysium · Karl Casey

    The Rich Outdoors
    Heart Rate, VO2 Max, and Hunt Readiness with MTNtough

    The Rich Outdoors

    Play Episode Listen Later Feb 5, 2026 54:03


    EP 676 Heart Rate, VO2 Max, and Hunt Readiness with MTNtough What’s up! This week on the Rich Outdoors Podcast, I’m sitting down with Jason and Nick from MTN Tough Fitness to talk about something we’ve been geeking out on for a while—health metrics, performance tracking, and what “hunt readiness” actually means for backcountry hunters. As we’re building the Bridger Watch (yeah, the smartwatch for hunters), we’ve been having deep conversations with the MTN Tough crew about what metrics actually matter when you’re training for elk season. Because here’s the thing: most fitness wearables are built for runners, cyclists, and gym rats—not for hunters humping 60 pounds on their back through deadfall at 9,000 feet. Nick is a MTN Tough coach and physical therapist who programs their daily workouts, and Jason is one of their athletes who’s joining the Bridger team. These guys know what it takes to train for the mountains, and more importantly, they understand the difference between sustained Zone 2 cardio and getting absolutely crushed by a 42-minute Mountain Tough workout that leaves you laying on the floor. We dive into what a “hunt readiness score” could look like, how to measure work capacity beyond just heart rate, why rucking strain is completely different than cardiovascular strain, and how we can use wearables to help hunters stay in that 80-90% efficiency zone all day long. We also talk about the mental side of fitness—how to make better decisions under fatigue, why discipline in the gym translates to discipline in the mountains, and what happens when you’re on day two of a hunt with frozen boots and a broken water filter. This episode is part fitness science, part backcountry hunting strategy, and part startup talk about building products that actually solve problems hunters face. Whether you’re training for September or just trying to figure out how to not get your butt kicked on your next western hunt, there’s a lot of good stuff in here. Let’s get into it. Tricer Tripods – They make gear that’s fast, light, and simple, from amazing tripods to bino mounts, panhead truck mounts, and now even bipods. Tricer makes gear that’s fast, light, and simple. I love their gear, and if you’re looking for a new system for better glassing, check out Tricer. Head over to the website tricer.com. They make great products and it’s just a great company. Awesome dudes. Been using the heck out of the bipod—killed a lot of critters with it. Use the code TRO and you’ll save yourself 10% at checkout. Stone Glacier – I’ve packed out a lot of animals with my Stone Glacier pack this year. The Sky Archer 6400 has been with me to Alaska, British Columbia, Wyoming, Montana, and I love the thing. Whether it’s a 10-day backpack hunt or you’re day hunting from the side-by-side, that’s what I love about Stone Glacier—it’s minimalist, it’s lightweight. You can use it day hunting or for an alpine backpack hunt. Stone Glacier makes an entire suite of hardcore mountain hunting gear. If you’re in the market, head over to stoneglacier.com. Use the code TRO and you’ll save yourself a discount and get some great gear. Chapter Timestamps 0:00 – Intro: Fresh Off a MTN Tough Workout 3:15 – Meet Nick: MTN Tough Coach & Physical Therapist 6:30 – Jason Joins Bridger: Startup Life with a Kid on the Way 9:00 – Why We’re Talking About Health Metrics for Hunters 12:45 – The Backcountry Boondoggle: Testing Fitness in the Field 16:30 – How Many Miles? Average Archery Season Days 19:45 – Have You Ever Bonked on a Hunt? 23:15 – The Hunt Readiness Score: What Would It Look Like? 27:30 – Heart Rate Efficiency & Staying in the 80-90% Zone 31:00 – VO2 Max vs. Work Capacity: What Really Matters? 35:15 – The Rucking Problem: Muscular + Neurological Strain 38:45 – Measuring Strength Load vs. Cardio Load 41:30 – Subjective Scores & Mental Toughness Training 44:15 – Decision Making Under Fatigue 47:00 – Discipline in the Gym = Discipline in the Mountains 50:30 – Baby #2, Hunt Plans & Balancing Family Life Three Key Takeaways Heart Rate Monitoring Can Keep You in Your Efficiency Zone All Day – Most hunters blow themselves out on day one by pushing too hard when camp isn’t where they thought, or the trail is longer than expected. A wearable that monitors your heart rate and keeps you in an 80-90% efficiency zone (based on your current fitness level) could be the difference between being smoked for three days versus being able to hunt hard every single day. It’s not about going slow—it’s about understanding what pace your body can sustain without bonking. Rucking Strain is Completely Different Than Cardiovascular Strain – Carrying 60-70 pounds on your back for 8 hours isn’t primarily a cardio challenge—it’s muscular, skeletal, and neurological strain. Most fitness wearables only measure cardiovascular load based on sustained heart rate, but they can’t quantify what it feels like to have weight on your frame all day. Building a “hunt readiness score” means figuring out how to measure both the cardio AND the strength components of backcountry hunting, which is why Mountain Tough’s blend of strength and conditioning is so effective. Mental Toughness is Trainable Through Exposure to Hard Situations – The more you put yourself in challenging situations—whether that’s finishing brutal workouts when you want to quit, or waking up to frozen boots and pushing through anyway—the more you build the self-awareness and discipline to make good decisions under fatigue. It’s not about never wanting to quit; it’s about recognizing that thought, acknowledging it’s normal, and then choosing to push through. The fitness side removes one major stressor, so when other factors pop up (weather, wind, gear failure), you’re not also dealing with being physically smoked.

    DayWeather Podcast
    DayWeather Regional Travel Impact Forecast 2-5-26

    DayWeather Podcast

    Play Episode Listen Later Feb 5, 2026 2:37


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    The Grand Tourist with Dan Rubinstein
    Ranchlands: Exploring the American West on Horseback

    The Grand Tourist with Dan Rubinstein

    Play Episode Listen Later Feb 4, 2026 29:19


    One of the most exciting parts of traveling today? The ability to disconnect. On this episode—ripped from the pages of our upcoming spring print issue—Dan speaks with Tess Leach of Ranchlands, a massive land management business in the American West that includes the remote Paintrock Canyon Ranch in Wyoming that offers experiences for travelers of all stripes. The pair speak about what it's like to visit this incredible corner of the country, the community surrounding it, and the luxury of being totally disconnected from the modern world (with great food, of course). Hosted on Acast. See acast.com/privacy for more information.

    NPR's Book of the Day
    'How to Commit a Postcolonial Murder' is a dark new novel about sisterhood

    NPR's Book of the Day

    Play Episode Listen Later Feb 4, 2026 9:15


    In today's interview, author Nina McConigley tells NPR's Ayesha Rascoe that she wanted to write a sister book. How to Commit a Postcolonial Murder is the author's dark debut novel about two Indian-American sisters growing up in rural Wyoming in the 1980s. There, they experience abuse that drives them to seek revenge. In today's episode, McGonigley and Rascoe discuss split identities and the complex feelings that arise from life under colonialism – and from surviving abuse.To listen to Book of the Day sponsor-free and support NPR's book coverage, sign up for Book of the Day+ at plus.npr.org/bookofthedayLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

    DayWeather Podcast
    DayWeather Regional Travel Impact Forecast 2-4-26

    DayWeather Podcast

    Play Episode Listen Later Feb 4, 2026 2:04


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    The Sportsmen's Voice
    TSV Roundup Week of February 2nd, 2026

    The Sportsmen's Voice

    Play Episode Listen Later Feb 4, 2026 19:40


    From classrooms to statehouses, the future of hunting access is being decided right now. State legislatures are moving fast, and the decisions being made right now will shape hunting and fishing access for decades. This nationwide conservation roundup breaks down the most important policy fights affecting sportsmen and women, from the Southeast to the Great Plains. The conversation opens with Tennessee's push to expand hunter education opportunities by allowing schools to offer voluntary hunter safety courses for grades five through twelve. The discussion explores why early exposure to hunting ethics, firearms safety, and wildlife management matters, and how similar efforts have already gained bipartisan support in states like Georgia and Michigan. Out West, attention turns to Wyoming, where proposed legislation could affect transferable landowner tags, the use of tracking dogs for wounded game, and funding structures for state fish and wildlife agencies. These policies directly influence elk hunting access, fair-chase recovery practices, and long-term conservation funding. In the Northeast, Massachusetts presents a major opportunity with potential Sunday hunting rollbacks and expanded crossbow inclusion during archery season. The stakes are high for whitetail deer management, Lyme disease concerns, and giving working families more time afield. The roundup closes in the Midwest, covering Kansas efforts to reimburse wildlife agencies for discounted licenses and an Iowa proposal aimed at increasing political participation among hunters and anglers through voter registration. For anyone who hunts, fishes, or cares about protecting outdoor traditions, this episode connects policy to real-world impact and explains why showing up at the state level has never mattered more. Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter   Follow The Sportsmen's Voice wherever you get your podcasts: https://podfollow.com/1705085498  Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Detroit Lions Podcast
    Daily DLP: Senior Bowl Winners Discussion With Russ Brown

    The Detroit Lions Podcast

    Play Episode Listen Later Feb 3, 2026 56:07


    Senior Bowl standouts for Detroit Russell Brown and Jeff Risdon turned Senior Bowl week into an NFL reality check on the Detroit Lions Podcast. Mobile is hard to reach. This year it was worse. Flights through Atlanta and Charlotte snarled schedules. Players spent extra hours in airports, then dove straight into meetings and practices. Every prospect met with all 32 teams. Some chats lasted five minutes. Others stretched to forty five. Minds raced. Bodies adjusted to new time zones. Then came the field work. Wide receivers faced corners they had never seen. Quarterbacks threw to targets they had never met. Timing lagged. Some passes sailed high. The context mattered. It was not a polished team practice. It was a showcase under unfamiliar circumstances, with coaches installing concepts on the fly and players trying to absorb it all. Practice winners with a Detroit lens One offensive winner stood out. Wyoming tight end John Michael Gillenborg flashed real juice. He is a former basketball player who played only three high school football games after COVID wiped out his senior year. Athlete first, growing football player second. In one on one drills he was a problem. He separated cleanly. He was uncoverable for stretches. Safeties and linebackers struggled to mirror him in space. His game performance did not match the practices. The hosts said it plainly. The week still helped him. Movement skills at that size are hard to teach. A slot tight end who wins on timing and leverage translates. One linebacker did hold up well in coverage during those periods, a note that sharpened the evaluation of the tight end work. Even with the natural advantage for tight ends in those drills, Gillenborg's get off and pace changes carried weight. Installs and scheme shifts test prospects The install meetings mattered as much as the reps. Players jumped into systems that did not mirror their college playbooks. Think of a running back used to inside and outside zone suddenly asked to run duo. That changes everything. An offensive lineman who rarely worked a deuce block now has to climb to a linebacker on a different track. In zone you lean on the drag hand and cross the face of the nearest defender to pin and create a lane. Duo shifts the aiming points and the communication. Those are real stressors on short notice. What it means for Detroit The Detroit Lions value how players handle chaos. One bad Tuesday does not define a prospect in the NFL. Meetings, installs, and adaptability do. Gillenborg's week offered a profile worth tracking for a Detroit offense that prizes matchups in the middle of the field. The linebacker who showed coverage chops added another data point on the defensive side. For the Lions, the smart move is weighing practice tape, mental processing, and the ability to translate coaching quickly. Senior Bowl week delivered all three. https://www.youtube.com/watch?v=CvW-U57A_nc #detroitlions #lions #detroitlionspodcast #seniorbowl #johnmichaelgyllenborg #one-on-onedrills #linebackercoverage #safetiesandlinebackers #insidezone #outsidezone #duoblocking #interviewswithall32teams #timezoneadjustment #flightdelaysinatlantaandcharlotte Learn more about your ad choices. Visit megaphone.fm/adchoices

    DayWeather Podcast
    DayWeather Regional Travel Forecast 2-3-2025

    DayWeather Podcast

    Play Episode Listen Later Feb 3, 2026 4:26


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Countdown with Keith Olbermann
    EPSTEIN: HOW TO PEACEFULLY END TRUMP'S PRESIDENCY.......TODAY - 2.2.26

    Countdown with Keith Olbermann

    Play Episode Listen Later Feb 2, 2026 68:39 Transcription Available


    SEASON 4 EPISODE 55: COUNTDOWN WITH KEITH OLBERMANN A-Block (2:30) SPECIAL COMMENT: So would you like to collapse the Trump Regime? Today? Peacefully? Legally? You - the White House press corps. It only takes one of you. You go into the next Oval Office Scrum, and you ask him politely for his explanation of something released by his administration, by Pam Bondi’s office, on the government website, and you read – quoting this FBI 302 interview file: “Maxwell presented (her) to Trump…by the things Maxwell said, it was clear that (she) was available…”And don’t stop reading and don’t make eye contact. THEN from the sworn affidavit, reed, quote: “I personally witnessed Defendant Trump telling the plaintiff that she couldn’t ever say anything, if she didn’t want to disappear like the 12-year old female (redacted) and that he was capable of having her whole family killed…” Quote: “the physical and sexual abuse that I personally witnessed of minor females at the hands of Mr. Trump and Mr. Epstein... under penalty of perjury even though I fully understand that the life of myself and my family is now in grave danger” unquote, what SIR is your explanation SIR about when you threatened this girl’s life, sir. Just keep asking. Don't make eye contact, don't stop, don't stop talking when he starts talking. Just reel off those quotes. And the one about becoming fertilizer. And the "Calendar Girls" story (as nonsensical as that probably is). And all the others. Because we don't always see the escape hatch when it appears before us, and it just appeared. Because the Epstein Files are part of an official Department of Justice Document Dump. Their contents are Pam Bondi's problem, not you or your lawyer's. And if you don't bear down and do this job as it was designed by the Founding Fathers, you will sooner or later face one of these outcomes: you'll be arrested, you'll be replaced by some automaton Bari Weiss likes, or the country will survive and the next people running media will never consider you for work because you were cowardly when we needed your courage. Oh and you can peacefully, legally end the careers of Elon Musk and Marco Rubio and Bari Weiss and lots of others. The material is all in front of you. Just have the courage to pick it up and fling it, like he'd fling his poo at you. ALSO: Don Lemon was arrested not because Jesus but because Trump has always hated him. And if you've forgotten, I explained two weeks ago why Trump was trying to restart the 2020 crap, now sending Tulsi Gabbard to Georgia. They're sitting up not a claim that the election was fixed, but that the election was fixed by another country (hey, Nicolas Maduro, you mind taking the rap, in exchange for a pardon?) and there is no statute of limitations on THAT. B-Block (34:55) THE WORST PERSONS IN THE WORLD: Harriet Hageman, the blob they elected to the House from Wyoming to replace Liz Cheney, is now running for Senate. Emphasize "running": she has fled a town hill. The Bill Maher Pretzel Logic: Celebrities should shut up, voters don't listen to TV and movie stars. But Bill, you expect them to listen to you. So you're saying you're not a star? And the latest Bari Weiss firing target is supposedly Face The Nation host Margaret Brennan and one of the names being thrown around (probably nonsensically) is Matt Lauer. C-Block (54:00) MONDAYS WITH THURBER: We need a doubleheader. I heard an audio book with a famous actor doing Thurber's tribute to what would be called Dunning-Kruger Syndrome: "The Macbeth Murder Mystery" and it was one of those rare times when I actually said "No - I did this better." So I bring it to you, and as a bonus, a second great unheralded Thurber story: "Meet Birdey Doggett." Enjoy them at your leisure.See omnystudio.com/listener for privacy information.

    Old Fashioned On Purpose
    E18: E4: Unfiltered Confessions of a Small-Town Restaurant Owner

    Old Fashioned On Purpose

    Play Episode Listen Later Feb 2, 2026 32:17


    I'm now going on five years of owning a restaurant in one of the smallest towns in Wyoming.It's one of the most gratifying things I've ever done. It's also one of the most exhausting.I'm proud of what we're building in our little corner of Wyoming. I'm proud of the food. I'm proud of the place. I'm proud that people walk in and feel nostalgia, comfort, a sense of belonging… a remembering.But in this podcast episode, I'm going to say the parts I usually don't say out loud because, well… I feel like it. And some of it just needs to be said.Podcast Episode Highlights:Backstory of our small-town restaurant Confession #1: The Locals Are Our Lifeblood (And Also… a Lot)Confession #2: I Wish We Could Rate CustomersConfession #3: We're Not Trying to Make Your Life Hard with Our Limited HoursConfession #4: Staffing Is… ComplicatedConfession #5: I'm Not Getting Rich Off ThisConfession #6: We Care a Lot About What We Serve You Final thoughts...Resources Mentioned in This Podcast Episode:Find my Old-Fashioned on Purpose planner here: https://www.prairieplanner.com/Sign up for my Substack here: https://jillwinger.substack.com/Learn more about Chugwater Soda Fountain here: https://www.chugwatersodafountain.com/OTHER HELPFUL RESOURCES FOR YOUR HOMESTEAD: Sign up for weekly musings from my homestead: http://theprairiehomestead.com/letter Get my free homesteading tutorials & recipes here: www.theprairiehomestead.com Jill on Instagram: @jill.winger Jill on Facebook: http://facebook.com/theprairiehomestead Apply to be a guest on the Old-Fashioned on Purpose podcast: https://www.theprairiehomestead.com/podcast-guest-application Did you enjoy listening to this episode? Please drop a comment below or leave a review to let us know. This can help other folks learn about this podcast and we also really appreciate the feedback!

    Fresh Life Church
    See Something, Say Something

    Fresh Life Church

    Play Episode Listen Later Feb 2, 2026 54:11


    In this message, Pastor Levi Lusko talks about the urgency and responsibility of sharing the gospel. Time is short, life is precious, and if you know Jesus, you carry information that could change someone's eternity. At the resurrection in Matthew 28, the women didn't receive a seminar on evangelism; they saw Jesus alive, and seeing Him created an overflow they couldn't contain. The command was simple: come and see… go and tell. This sermon isn't about guilt. It's about vision.In this message, you'll learn:Why evangelism begins with seeing Jesus clearlyHow to overcome fear, awkwardness, and procrastinationPractical ways to share your faith in everyday momentsWhy planting a seed is always worth it—even for one personNEXT STEPS:Ask for prayer or connect with a pastor: https://freshlife.church/contactRegister your decision to follow Jesus and receive free resources: https://freshlife.church/know-godGive a financial gift to support what God is doing as we take steps forward to see the Gospel reach far and wide: https://freshlife.church/giveSUBSCRIBE:Sign up to receive encouragement straight to your inbox, and to stay up to date with announcements, events, and more: https://church.us13.list-manage.com/subscribe?u=6ea4d82b2567db3e86b7767cd&id=451f2fe63eDon't miss a video! Subscribe on YouTube: https://www.youtube.com/c/freshlifechurch?sub_confirmation=1CONNECT ON SOCIALS:Website: https://freshlife.churchInstagram: https://www.instagram.com/freshlifeFacebook: https://www.facebook.com/freshlifechurchTwitter: https://www.twitter.com/freshlifeYoutube: https://youtube.com/c/freshlifechurch/Fresh Life Church was pioneered by Pastors Levi and Jennie Lusko in 2007. We exist to see those stranded in sin find life and liberty in Jesus Christ. Today Fresh Life's ministry impacts people with the radical, life-changing message of Jesus' grace, spilling across Montana, Oregon, Utah, Wyoming, and Idaho… and beyond.

    Bigfoot Terror in the Woods Sightings and Encounters
    Bigfoot TIW 337: Roadside Bigfoot Sighting in the Chattahoochee Forest in Georgia

    Bigfoot Terror in the Woods Sightings and Encounters

    Play Episode Listen Later Feb 2, 2026 51:22


    In today's episode KJ covers the legends of a very creepy area of Wyoming known as Crimson Dawn. Bill reviews a detailed Bigfoot encounter from the state of Georgia. And some great listener mail. Please join us! Thank you for listening! www.bigfootterrorinthewoods.com Produced by: "Bigfoot Terror in the Woods L.L.C."

    DayWeather Podcast
    DayWeather Regional Travel Forecast 2-2-2026

    DayWeather Podcast

    Play Episode Listen Later Feb 2, 2026 4:36


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Every Town
    Wyoming's Most Unsettling Unsolved Case: The Strange Death of Don Kemp

    Every Town

    Play Episode Listen Later Jan 30, 2026 30:07


    Today we're headed out west for a strange one. This is Wyoming's Most Unsettling Unsolved Case: The Strange Death Of Don Kemp.

    Jim Hightower's Radio Lowdown
    VIDEO: Happy hour! What to do in "red" states, flying farmers and lawyers, growing Democratic Party spines, and more

    Jim Hightower's Radio Lowdown

    Play Episode Listen Later Jan 30, 2026 1:37


    This is a free preview of a paid episode. To hear more, visit jimhightower.substack.comThanks to all of you who joined us last night for our first experiment with Substack's live video feature! After reviewing the questions that you left for us last week, we got to tackling a few of them—Hightower gave advice to Maria in Wyoming, who's frustrated with calling her Republican representatives, and the role of grassroots organizing in red states. We also got to hear some big stories about tiny airplanes (thanks, Shira!), and Hightower's opinion about why some elected Democrats are loud and proud, while a lot of senators have not been taking strong action against the fascist invasion and occupation of many cities in the US, which was Fred's question. Richard asked about a left-wing “Project 2025,” and as part of that answer, Hightower gave a rough estimate of how old Ralph Nader is— not to be missed.We ironed out a few of the initial technical glitches, by the way, and I'm also working on making sure comments from everyone are enabled for the next live event, because we really missed hearing your live feedback! Let us know what your favorite parts were in the comments. Thanks again for watching!

    Craft Beer & Brewing Magazine Podcast
    457: Cory Buenning of Fritz Family Focuses on Highly Attenuated Lagers With Perfect Proteins

    Craft Beer & Brewing Magazine Podcast

    Play Episode Listen Later Jan 30, 2026 68:12


    Fritz Family founder Cory Buenning brewed from the mid-90's through the mid 20-teens for Wyoming craft beer pioneers Snake River, but the itch to do his own thing was strong, and after returning to Colorado after a few years in Kentucky, he leased the old Bootstrap brewery in Niwot, installed a new brewhouse and cellar, and got to work making the beers he wanted to make—a variety of primarily lager beer, brewed thoughtfully and carefully. Years later, the brewery has developed a strong following among locals, but is also a favorite hangout for the area's brewers, and you'll often find brewers from neighboring breweries at the Fritz bar for a post-shift beer. It's brewers beer, after all—easy to drink, impeccably made, and unassuming. In this episode, Buenning shares his approach to making refined lagers at a taproom scale, and along the way discusses: how cold knockouts, cold fermentation, and no diacetyl rest make better lagers brewing with an jacketed oil-heated brewhouse rather than steam-heated acidifying the mash using sauergut building body in clear beer through proteins not carbohydrates carbonating naturally via capped tank using forced fermentation tests on all lagers managing gelatinization issues with European malt through modified step mashing ingredient approaches to Pilsner, helles, and Kölsch understanding yeast timing and performance to dial in harvesting and rep itching managing head pressure with 34/70 to reduce sulfur And more. G&D Chillers G&D's new Elite 290 Micro-series runs on a Natural Refrigerant with near-zero Global Warming Potential—built for brewers who care about sustainability and performance. They recently built one for New Belgium Brewing, delivering around 50% energy savings over CO₂ systems and 9% more efficiency than A2Ls. That's real-world impact from a brewery that knows what it takes. With 24/7 support and remote monitoring, your cold side stays dialed in—day or night. Learn more about sustainable chiller solutions at gdchillers.com. Berkeley Yeast Berkeley Yeast just launched Dry Tropics London! Our best-selling liquid yeast strain, now with all the ease-of-use benefits of dry yeast. Dry Tropics London delivers the soft, pillowy mouthfeel and juicy character you'd expect from a top-tier London Ale strain, but with a serious upgrade: a burst of thiols that unleash vibrant, layered notes of grapefruit and passion fruit. A lot of brewers love the clean passion fruit you get from Tropics, but they don't want every IPA to be a tropical-fruit bomb. At the dry yeast price point, you can pitch and ditch without breaking the bank. Or, you can co-pitch with your house strain to adjust the intensity of the notes. And with nationwide free shipping, there's never been a better time to try Dry Tropics. Order now at berkeleyyeast.com and experience the ease and impact of Dry Tropics London Yeast. PakTech This episode is sponsored by PakTech—delivering craft-beer multipacking you can trust. Our handles are made from 100 percent recycled plastic and are fully recyclable, helping breweries close the loop and advance the circular economy. With a minimalist design, durable functionality you can rely on, and custom color matching, our carriers help brands stand out while staying sustainable. Trusted by craft brewers nationwide, we offer a smarter, sustainable way to carry your beer. To learn more, visit paktech-opi.com. Indie Hops Strata Cryo The multilayered wonders of Indie Hops Strata are now easier than ever for brewers to tap into. Introducing Strata Cryo, in collaboration with Yakima Chief Hops. Whether brewing up a single-hop Strata IPA to wow customers with the depth of flavor this variety delivers or modernizing your flagship IPA to continue setting the highest standards, Strata T99, Strata CGX, Strata HyperBoost, and now Strata Cryo provide the tools for you to create your unique masterpiece. Indie Hops Strata. Life is short. Let's make it flavorful! Midea 50/50 Flex The Midea 50/50 flex is the industry's first dual compartment three-way convertible freezer. The 50/50 Flex is designed to flex with your life. It can convert to all fridge, all freezer, or half and half with just the touch of a button. Plus, with reversible doors and adjustable storage compartments, you can stay organized no matter your food-storage needs. The 50/50 Flex is also designed to maintain a stable temperature even in non-climate-controlled spaces. So it's perfect for your garage, man cave, or wherever you need a little more space. Maybe use all 20 cubic feet as a beer fridge! Check out Midea.com/us/ for more information on how to take your beer storage to the next level. Old Orchard If your brewery is using fruit juice concentrates, purees, and blends, then why not source everything from a one-stop shop? Old Orchard might be best-known for flavored blends, but if you need 100% purees or concentrates, then Old Orchard can likely help—even with options not listed on their website. Let Old Orchard know what you need at oldorchard.com/brewer. Brightly Software Brightly Software, a Siemens company, partners with organizations at every stage of their asset lifecycle journey. Brightly is a complete asset-management and operations software that enhances organizational sustainability, compliance, and efficiency through data-driven decision making. Streamline maintenance, simplify capital planning, and optimize resources with solutions uniquely designed to support long-term goals. Learn more at brightlysoftware.com. 2026 Brewers Retreat Tickets are on sale now for the annual Craft Beer & Brewing Brewers Retreat August 23–26 in the hop country of Yakima Valley, Washington. There's nothing like this fantasy homebrew-camp experience, as you brew in small groups led by some of the most inspiring brewers in the world—folks such as Vinnie and Natalie of Russian River, Ben from Breakside, Henry and Adriana of Monkish, Kelsey from North Park, Whitney from Grand Fir, Sean from Lawson's Finest, and more. This year we'll be brewing under the bines at Bale Breaker, and it's sure to be an unforgettable experience. Tickets are on sale now and going fast at brewersretreat.com.

    Hans & Scotty G.
    HOUR 2: Early Super Bowl LX preview | Utah State & Wyoming honor a 12-year-old cancer survivor at the Spectrum + MORE

    Hans & Scotty G.

    Play Episode Listen Later Jan 30, 2026 34:42


    Antonia Gonzales
    Friday, January 30, 2026

    Antonia Gonzales

    Play Episode Listen Later Jan 30, 2026 4:59


    Photo: The Wind River Family and Community Health Care clinic in Riverton, Wyo. would have been impacted by the proposed cuts in tribal Medicaid funding. (Hannah Habermann / Wyoming Public Media) State lawmakers in Wyoming backtracked this week on what many – including some lawmakers – believed was a big proposed cut to tribal Medicaid funding. Wyoming Public Radio's Hannah Habermann reports. Earlier this month, the Joint Appropriations Committee voted to deny a $58 million request from the Wyoming Department of Health for federal funding for tribal Medicaid reimbursements. The move was met with pushback and protest, but this week, State Rep. John Bear (R-WY) told the Tribal Relations Committee those funds will come through. “ I just wanna make it really clear that the funding was never, ever in jeopardy. These are accounting issues that we’re trying to work through.” Bear is the co-chair of the Joint Appropriations Committee. He originally voted for the cut, but this week said there was a workaround with what's called a B-11, which he hadn't mentioned in the original meeting. “Then they get the reimbursement after the activity is taken care of for the tribal member.” Now, Bear says the committee will authorize the funding for the Department of Health before the session starts, but at current reimbursement rates, that will be more like $41 million, rather than $58 million. Nick Tilsen. (Photo: Brooke Anderson @movementphotographer) The trial of Native advocate Nick Tilsen ended in a hung jury this week in Rapid City, S.D. Tilsen is still indicted and the state has the option to drop the charges or press forward, as South Dakota Public Broadcasting's C.J. Keene reports. Tilsen is the president and CEO of NDN Collective, a Rapid City-based Indigenous advocacy nonprofit. It is known for projects which advance Native living conditions and its protests of President Donald Trump's attendance at Mount Rushmore. For this case, he is charged with alternative charges of aggravated assault or simple assault against law enforcement. The jury was unable to reach a unanimous verdict, leading to a mistrial. Both charges are felonies and Tilsen also faced a misdemeanor obstruction charge. The next steps are in the hands of the state. The Pennington County State's Attorneys office could drop the charges or push for a new trial. The incident in question dates to June 11, 2022. On that day, footage shows Tilsen pulling into a parking space where an officer was standing. In the video, the truck pulls into the parking space, stops short, and moves forward again. The officer was interacting with an unhoused community member. According to reporting by the Rapid City Journal, he was stopped for jaywalking. Nobody was struck by the vehicle, but the state contends this was an effort to intimidate the officer and put him in fear of bodily harm. Tilsen's defense hinged on his organization’s effort to do “community care.” In other words, watching police – ensuring officers are operating in line with laws and community members know their rights during police interactions. For this, Tilsen faced over 25 years in prison for what he contends was a human mistake. In a press release following the mistrial, Tilsen writes, “I'm grateful for everyone who stood with me through the latest iteration of this lengthy legal battle – the support of my family, lawyers, spiritual leaders, medicine people, and community means everything to me. The fight is not over.” At this time, it is unclear if the state will seek another trial against Tilsen. Screenshot Oglala Sioux Tribal President Frank Star Comes Out has issued a proclamation banning U.S. Immigration and Customs Enforcement (ICE) and associated border patrol agents from entering the Pine Ridge Indian Reservation in South Dakota. It is in response to ICE activities and recent shootings in Minneapolis, Minn. The proclamation states U.S. Border Patrol is assisting ICE in “unlawful conduct” against Native people in Minneapolis. Meanwhile, Minnesota tribes, including the Red Lake Nation and Mille Lacs Band, are closing tribal government operations Friday, as part of a nationwide strike. “ICE Out – no work, no school, no shopping” is in protest of the ICE presence in Minneapolis. C.J. Keene contributed to this story. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out the latest episode of Native America Calling

    DayWeather Podcast
    DayWeather Regional Travel Impact Forecast 1-30-26

    DayWeather Podcast

    Play Episode Listen Later Jan 30, 2026 4:06


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Full Court Press
    Recapping Utah State's blowout win over Wyoming / MW basketball halfway points / Pac-12 media deal - Jan. 29, 2026

    Full Court Press

    Play Episode Listen Later Jan 30, 2026 80:32


    Jason Walker and Eric Frandsen give their thoughts on Utah State's dominant win in men's basketball over Wyoming and what it means for the upcoming big game against San Diego State.Also, a look at the contender's bubble in the Mountain West. Which teams are poised to win the title as we reach the halfway points of conference play?The Pac-12 media deal hasn't had any details leaked, but indications are that the money from the deal is a bit lean. What does it mean for the conference?

    DayWeather Podcast
    DayWeather Regional Travel Impact Forecast 1-29-26

    DayWeather Podcast

    Play Episode Listen Later Jan 29, 2026 4:02


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Dakota Datebook
    January 29: Deer, Bear, Wolf, Wildcat, Lynx, and Wolverine, Oh My!

    Dakota Datebook

    Play Episode Listen Later Jan 29, 2026 3:02


    The last wolverine recorded in North Dakota was “M56,” identified in 2016 after it was killed by a McKenzie County rancher. M56 had been radio-collared in Wyoming, detected in Colorado, and then its signal was lost. Wolverines had not been verified in the state for 150 years.

    The IC-DISC Show
    Ep071: IC-DISC from Start to Finish: The Complete Setup and Compliance Guide

    The IC-DISC Show

    Play Episode Listen Later Jan 29, 2026 60:50


    Setting up an IC-DISC the right way can mean the difference between maximizing tax savings and having issues down the road. In this episode of The IC-DISC Show, I sit down with Brian Schwam, IC-DISC specialist and tax attorney, to walk through the complete IC-DISC setup and compliance process from start to finish. This conversation was inspired by a CPA request for a comprehensive guide covering every step of the IC-DISC journey. Brian breaks down the entire process chronologically, from the initial consultation to determine if a business qualifies, through the critical formation steps that can make or break your IC-DISC. We cover proper capitalization requirements, the infamous 90-day election window, why non-interest bearing bank accounts matter, and the draconian 60-day payment rule that catches many businesses off guard. He explains the difference between simple and transaction-by-transaction calculations, sharing an example where detailed analysis increased a client's commission from $4 million to $17 million on $100 million in export sales. Whether you're a CPA learning about IC-DISC for the first time or a business owner considering this strategy, Brian's systematic approach demonstrates why working with a true specialist matters when navigating these complex regulations.     SHOW HIGHLIGHTS A detailed transaction-by-transaction calculation increased one client's IC-DISC commission from $4 million to $17 million on the same $100 million in export sales. Missing the 90-day election filing window requires a private letter ruling costing $35,000-$40,000 to fix, making it cheaper to just set up a new IC-DISC. The 60-day payment rule requires paying at least 50% of your estimated commission in cash or promissory note within 60 days of year-end to avoid disqualification. Setting up an IC-DISC with no par value stock is a fatal error that will cause the IRS to reject your election, regardless of everything else done correctly. A non-interest bearing bank account is essential because even $1.50 of interest income can disqualify your IC-DISC if no commission is paid that year. Export sales typically need to reach $3-5 million before an IC-DISC makes economic sense, though exceptions exist for businesses with exceptionally high profit margins.   Contact Details LinkedIn - Brian Schwam LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Brian. Welcome to the podcast. Brian Hey, good morning David. Good to be here. Dave: So I, I now refer to you as the Bob Hope of the podcast because I believe that Bob Hope holds the record for the most appearances on the Johnny Carson Show. So that's why you're like the Bob Hope of the podcast. You have more appearances than anyone else with today's appearance. Brian That's good company to be in if you're of a certain, if you're of a certain age. Dave: Yeah. And I'm not even sure you and I are quite old enough to even be of that certain age. Brian I probably never saw him on Johnny Carson. Dave: Yeah, me too. So this is an episode that was requested by a CPA of one of our clients who was retiring and he had a new. Partner taken over and he said, Hey Dave, can you send over a link to the episode that just goes through all the details of the IC disc from start to finish? And I'm like, well, we don't have that episode, but it's a great idea. So that's what's behind this. So let's start at the very beginning. Somebody calls you up and says, Hey Brian, I need an IC disc, or I want an IC disc. What's the very first step? Brian Very first step for me is to say why. Dave: Okay, Brian tell me about your business. Dave: Okay. Brian You know, do you have qualified export receipts? Do you have qualified export property? That those are very complex areas. And some people might think they do when they don't, and others might think they don't when they do. Dave: Okay. Brian And more likely than not, they heard about IC disc from. Somebody they met at a, you know, business leader meeting or something and somebody said, oh, hey, I have an IC disc. You should have one. Dave: Okay. Brian And not everybody can utilize one, but there's many out there that can utilize 'em that do not. Dave: Okay. And do you charge anything for that consultation? Brian No, because to me it's just a fact finding. Dave: Okay. So step one, figure out if their fact pattern warrants having an IC disc. Brian Right? Right. Well, it's, it's actually, that's one step. If you deter, if we determine that yes, an IC disc makes sense because they do have qualified export property, they do have qualified export receipts, then we have to talk about volumes. Because, you know, if you have 500,000 of export sales, most like more likely than not. Disc isn't gonna make sense. Dave: Economic sense when Brian you factor Right. Economic, the Dave: costs Brian not right. There's not enough benefit to offset the cost at that, at that level, most likely. Of course. It [depends on what, what it is they're selling. Dave: Sure. Do you have a rule of thumb you typically use? Is it like three or 5 million where it typically makes sense or every case Brian For most, for most businesses, that's sort of the range that where it starts to make sense, but there are always exceptions to that. Dave: Sure. Brian So like I had a client that had, you know, 600,000 of export sales, but their bottom line profit was 80%. Dave: Okay. Brian So in that instance, hey, it made sense, but for most companies that have 600,000 of export sales, it, it probably doesn't make sense. Dave: Okay. So let's say they have 5 million of exports, good margins, looks like it makes economic sense. What's the next step then? Brian Well then we talk about what is the tax structure of that exporting company? Is it a flow through entity? Is it a C Corp? And how is it owned? Sometimes [00:04:00] it's owned by a foreign company that makes things way more complicated. Okay. It's owned by a combination of different shareholders, some of which are individuals, some of which are corporations. So that can be complicated. And sometimes it's just a, it's just a pass through entity that's owned by, you know, let's say it's an S corporation that's owned by a family owned. Dave: Sure. Brian You know, so you, you can have a lot of different fact patterns and that will dictate a lot of things with, with respect. Dave: Okay. Brian To how the disc is organized. Dave: Might that also be the time? You inquire as to whether multiple discs might make sense for their structure, or do you typically just focus on kind of getting the initial disc in place and then exploring that over time? Brian Probably the latter. Dave: Yeah. Brian Initially I, you know, the goal is, you know, do you have enough activity? Do you have the right kind of activity? What kind of benefit is it that you think you can, we can get for you? And then, okay, if the answer to all those are in the positive, then it's like, okay, how should this disc be owned based on what we're trying to achieve and where should it be set up? Because that also can have a lot of negative surprises if you set it up in the wrong place. Dave: Yeah. So let's say and I think there's some rules of thumb like if if the. Exporting company is a C corp, you typically don't want the C Corp to own the disc, is that correct? Brian That is, that is correct. And that's because a C corporation pays tax on a dividend. It receives from the IC dis, so effectively there's no benefit. Dave: Okay. So with a C corp, typically it would be the individuals, individual or [individuals that Brian are Oh, the, the shareholders typically, Dave: yeah. Brian You know, possibly a management group could be involved as well, but typically we're talking about the shareholders of the C corporation. Dave: Yeah. And the shareholders of the disc do not necessarily have to mirror the shareholders of the C corp. Right. Brian That is sort of up in the air. I, I prefer that to be the case, but it doesn't have to be the case. Dave: Yeah, like in a simple example, census C Corp owned by one person and when they set it up, they wanna add a couple key employees to it. Brian Yeah. That, that, that's probably fine. You know, there's some old revenue rulings out there from the early 1980s that have a bad fact pattern, which the IRS held that the structure created gift tax issues, but that was like a mom and a dad and a son and a daughter, and mom and dad set up a disc and then gave the stock to the son and the daughter. And, and so that, that's, I see that's a bad fact pattern. What you described is a completely different fact pattern. There's no donative intent in that fact Dave: pattern. Yeah. Okay. In Brian fact, that I have a client that started out where the disc and the C Corp was. It did have mirror ownership, but over time, that has changed dramatically. But still, there's no donor of intent because we have all these unrelated families that own shares in the company in this quote company. And when there have been redemption opportunities over the years, they have the choice redeemed, the disc shares redeemed. The, the C corp shares redeemed them both. So some of like kept their dis shares, but gotten rid of the C Corp shares and vice versa. But really without the donative intent, plus some court case you know, precedent, I, I'm not [00:08:00] so concerned about that issue. Dave: Okay. Now let's switch gears and let's say it's a flow through an S-Corp partnership et cetera. Do you typically want the individuals to own it in that situation? Say that the company has three shareholders, would you just make them the three owners of the disc? More often than not, no. Okay. And why is that? Brian Because it, you get the same benefit by making the disc a subsidiary of the S corporation without some of the extra complexity associated with having the disc be owned by the shareholders. Now that, that's, that's preferred, but there are also situations where that doesn't make sense. Dave: Okay. Brian So let's say the, the S corporation is in California and the shareholder lives in Texas, or Florida. Or Nevada. Dave: Okay. Brian So they might want that dividend income flowing directly to them so that there's [00:09:00] no state Oh. So that there's no state income tax on the dividend. Dave: Sure, sure. Brian Okay. Okay. Yeah. So again, it's just another fact you need to uncover in the process of trying to figure all this out. Dave: Okay, so you've met with the client, you've figured out a disc makes sense, you've dug further you figured out the ownership structure of the disc. That makes sense. So then I guess you have to figure out where to incorporate, huh? Brian Yeah. And that again, there are good states and bad states. Dave: Okay. Brian Some states will tax an IC dis as a regular C corporation, you wanna avoid those states. Some states don't have an income tax at all, and those are good states to deal with. Dave: Okay. Brian And the three, you know, I'd say there's three states that are predominantly viewed as positive, and that would be Delaware, Texas, and Nevada. Okay. They're all fairly similar. For filing. And, and none of them have a corporate income tax on the dis so that's, that's all good in terms of not adding additional costs to the, the structure. Dave: Okay. So I'm in Texas and thus you, it seems like most of my clients end up incorporating in Texas. Do you just so here we are January 8th. We're recording this of 2026. So do you just do you just get around to doing it anytime before the end of the year and then you could use the disc the whole year? Is that how it works? Brian It's not how it works. It's generally a prospective opportunity. So you wanna get that entity formed as quickly as possible. Dave: Okay. Yeah. I've had people, I've heard [00:11:00] people say that if you don't do it on January 1st, you just have to wait till the next year. Brian No. That, well, that's certainly not true. And from any date forward that you set it up, you can certainly get benefits or shipments. Okay. That they, but one other item that I forgot to mention earlier, they also like to ask if the, if the related supplier entity, which is the exporter, if they're an accrual based company or a cash basis, Dave: ah, Brian that's an, that's an incredibly important issue Dave: Sure. Brian Dealt with. That's why. Dave: Okay. Brian Because the disc is an accrual base taxpayer by default. Dave: Yeah. Okay, we'll get into that when we get further around the, Brian okay. Dave: I think about when I was a kid, there was a, there was a Saturday morning TV series I think called schoolhouse Rock. And one of the episodes was how, how a bill becomes a Law [00:12:00] And there's the whole steps, the Brian episode, everybody remembers. Dave: Yep. Yep. So everybody our age at least. Okay, so you've got the disc set up and say you do it in Texas and let's say they make the decision January 8th, takes a few days to, you know, just kind of get stuff, you know, information from the client set up. And let's say you get it set up January 15th, so then they're good to go, huh? They can just start using that disc and away we go. Anything else? Ha. That has to be done Or is it, is it that some Brian on the, on the surface, yes, that's true. Dave: Okay. Brian But beneath the surface, there's other things that have to take place. Dave: Okay. What's the next thing that has to happen after you've formed the disc? Brian Well, you have a, there's a 90 day window to file a disc collection with the IRS. That's probably the most critical thing that has to happen. You have to file an actual paper form with the IRS to elect disc status for the company, because the company, when you set it up, it's just a corporation. Without that election, it's not a disc. Dave: And that election, is this the famous form 48, 76 dash a, is that said election, Brian famous or infamous in some cases, Dave: yes. Yeah. Okay. So you have to, so you just well, you just go to the IRS website. Download the form, send it in, bing, bam. Boom. You're done. You're good to go. Brian Not exactly. Dave: Okay. That's the Brian first Dave: step. Brian Skip. That's the first step. But the I mean, first of all, when you're setting up the disc, you have to make sure you incorporate it properly. Dave: Okay. Brian I kind of glossed over that. Dave: And what are some of the elements of proper incorporation? Brian Well, for example, when you go to a, the Texas website or any other secretary of State website to organize the company, because it can be done all online, [00:14:00] like the default is always, you know, no par value stock, right. Brian If you just select the default, you are going to have a problem because Okay. Dis rules require, you know, par or stated value of $2,500 on the, issued an issued an outstanding stock of, of the disk. So I had a client that came to me years ago. They had set up a company in, well, they used Wyoming, which is also possible to use, and it's not a bad jurisdiction. And they had, he had his quote unquote friend that who was an attorney, set it up for him. And there were some issues with the DISC collection and it went back and forth and then ultimately took a look at the articles of incorporation and it had, you know, $1 power stock, 1000 shares. Dave: Ah, that's a problem. Brian That's, [00:15:00] yeah. So no matter what happened with the disc election and the back and forth with the IRS, the disc election was ultimately never approved because the entity didn't meet the requirement. Having enough outstanding capital stock. So you have to have one and it can only have one class of shares. So there are, you know, there are some hoops you have to jump through in terms of not doing things incorrectly or doing things correctly. So you have to make sure there's one class of stock, $2,500 par value. There can't be foreign sales corporation in the same patrol group, which years ago was a big deal, but now it's not really a big deal because those have been gone for many years and almost nobody has one left. Not, not really an issue there. And what, you know, those are the formation matters that, that mattered, that are important to make sure you, you meet when you form the entity. Okay? If it's formed wrong, right from the get go, you have a problem. If [00:16:00] it's formed correctly, then the next step is yes, file a disc election. Dave: And, but before you file the disc election, there's a step we're missing, right? Doesn't the DISC election require. To put the corresponding EIN for the distance. Oh yes. I mean, I just assumed we, yeah, you obviously you have to apply for an ID number for the new entity that does not come automatically with the incorporation. Brian 'cause that's done with the state as opposed with the IRS yes. Dave: Yeah. And that's become more challenging. It used to be pretty easy to get an EIN you could apply under a corporate name or Brian yeah. But there, there's a, you know, there is an online portal with the IRS to get an EIN for a domestic company. So it's not, it's not Dave: terrible. Yeah. Brian It's not terrible. Dave: Yeah. So you have the EIN that you need for the 48 76 ae. Brian Right. Dave: You have you have 90 days, Brian you have the proper capitalization. Dave: Yeah. Brian You figured out who's gonna own the disc because the, the disc collection is. Signed, you know, it's not just made by the disc entity. It's made by the disc entity, then consented to by the shareholder. So you have to make sure that all that takes place. I can't tell you the number of times where somebody filled out part one, the disc signed it, and then the shareholder forgot the consent to it. And if you don't do the 48 76 dash eight correctly, you get it filed timely. It's an extremely expensive fix to try and get that Dave: rectified. Brian Generally, you have to try to get a private letter ruling, which will grant an extension of time to file the late disc collection. Dave: Okay. Brian And that's that's an expensive process. It's a 25 to $30,000 exercise to [00:18:00] file the private letter, really. Plus you have to pay a user fee to the IRS of 10,000, 11,000. Dave: Wow. Yeah. It seems that seems inconvenient at, at best. Brian And for most companies, they're better off just setting up a second dose Dave: Sure. Brian As opposed Dave: to process, Brian because how much volume there is. Dave: Yeah. Yeah. And I understand the IRS itself refers to these as a, a paper entity. So I guess since it's a paper entity, that's it. No need to fuss around with a bank account or actually have to capitalize it with actual money is there. Brian It's, it's recommended, but you're right, it's not required. There's no requirement in the disk rules to set up a bank account. Dave: Okay. Brian So there it could simply have. A receivable receiv for the capital stock. And that can be, its working capital doesn't have to have a bank account, but that's sort of a misnomer that people think it must have a bank account. Okay. In the original regulations, that was a requirement, but when the regulations are finalized, the requirement was removed. Dave: Okay. But practically speaking, it you probably wanna have a bank account. Brian Yes. Practically speaking, it makes all the sense in the world to have a bank account, a non-interest bearing bank account. Dave: And why is the non-interest bearing important? Brian Well, it, it has to do with one of the annual requirements of a disc. That 95% of its receipts have to be qualified export assets. I'm sorry, receipts. And so let's say in a year the company decides. You can't always decide not to use the DIS even though you've got it in place. So let's say the company says, well we're not gonna use the, this year we had a loss. In our business there's no using. Dave: Okay. Brian We say, okay, and then the DIS bank account earned a dollar 50 of interest income. Dave: Okay, Brian well 100% of the receipts are now not qualified receipts. Okay. Income and no other revenue. If there was a non-interest bearing bank account, it would just have no receipts and then it would be fine. But the earning, the dollar 50 of interest would disqualify that. Dave: Okay. So non-interest bearing account and then I guess the dollar amount in the bank account, what you start with, $2,500 initially. Brian Yeah, pretty much keep it there forever. Dave: But, but it doesn't matter if you end up, oh, if you're a little lazy and you forget to distribute all the money and you end up with 50 grand at the end of the year, that, that's not a problem, is it? Brian It is. Dave: It is. Everything's a problem Brian with you, Brian, because everything, 'cause the, these rules are draconian and everything can become a problem. So a commission dis anyway, a comm, [00:21:00] you know, a paper entity commission dis doesn't need $50,000 of working capital. And the IRS would hold that, that that's not a qualified export out. Like having too much working capital in DIS will cause it to fail. The other test, which is the 95 qualified export asset test 2,500, you know, an amount of cash equal to the capital stock is fine. Dave: Sure. Brian Amounts above that start to, you know, raise questions as to whether. That's reasonable working capital or not? Given that the entity's a paper entity, it doesn't really have any expenses. Maybe some bank fees. That would be about it. In most cases, it really doesn't need cash sitting. Dave: Yeah. Yeah. So maybe 3000, 3,500 to account for some bank fees or, Brian yeah, at most, yeah, we start getting about 5,000. It really starts to [00:22:00] look questionable. Dave: Okay. Oh, I just realized, I think in the initial assessment there was a step we forgot and that's, do they want to make it a buy sell disc or a commission disc? What percentage of your clients are commission discs? Mine a hundred percent. That's Brian 99%. Dave: Yeah. So we're just stepping ahead assuming that it would be a commission disc, Brian right. I mean, the only time you would really have a buy sell disc. 'cause if you have a business where. They're buying inventory from unrelated parties. And all the inventory is manufactured in the US and all of it is export. Dave: Yeah. Brian Okay. That, that, that I do have, like I said, two clients that have adopted that structure. One was commissioned disc with an S-corp and they converted, they merged the S-corp into the disc and just became an operating disc. You know, and that's a little different than a buy sell disc. I mean, an operating disc. People think of buy, sell dis an operating disc for the same thing. They're really not. I mean, 'cause you could have a, the equivalent of a commission disc, but have it be by sell where it could buy product from its related exporter and then export it. Dave: Okay. Brian It's possible that, that, that tho that fact pattern, I don't have any clients in. Dave: Okay. Brian It's possible. Dave: Okay. So we've got the election filed and then at some point the IRS will send the taxpayer letter approving the election, right? Brian Correct. That is, that was true. Dave: And then so we've got the, the B and usually it makes more sense to have the disc bank account at the same bank as the operating company, right? Brian It typically does, Dave: yes. Yeah. And we'll get into that when we get further into the operation of the disc. Okay. So it's all set up. And elections filed, election approved. So now certainly we're done with incorporation and government governance matters, right? Brian No. No, Dave: not yet. Brian Not yet. Not yet. Okay. We still have to make sure there's a a call, a related supplier agreement or disc commission supplier agreement in place between the, the exporting entity or entities and the disc itself. This document is, it's not, again, it's not required in the regulations, but it is recommended. It gives the related supplier a lot of flexibility in how it uses the disc and if it uses the disc and it gives it unilateral powers to decide not to use the disc. It also lays out the, you know, sort of boil legal boilerplate language about an inter intercompany agreement between the two business. Dave: So you could just go to chat GPT and have them spool up a one page sales agent agreement. Is that right? Brian Maybe. I don't know. I haven't tried that 'cause I don't wanna teach chat GPT how to, how to do that, but because every time you ask it a question, you teach it, right? Dave: Sure. Brian General, no, it's a pretty specific agreement and it has very specific provisions in it. Provisions and so somebody that knows what they're doing really needs to draft them. Dave: Okay. Okay. So this is kind of pointing away from just having your general corporate attorney who's never heard of a disc, do all that quote paperwork. Brian Yeah. I never recommend. I always recommend that a specialist do it, namely myself take care of it. Dave: Okay. Yeah. 'cause you are, in addition to having an accounting background, you're also a tax attorney, correct? Brian Correct. Dave: Correct. Okay. Brian Yeah. And you know, some of the documents that need to be created, yeah. That can be done by a general corporate attorney like bylaws and those as well and or other organizational documents that aren't disc specific can only be done by any attorney. But but if, but really it doesn't make sense to split that work up amongst different attorneys. Dave: Okay. Sure. Brian It all sort of be done by the same party to make sure that it's, that everything gets taken here. Dave: Okay. Brian And timely because there's a 90 day window to get this, in my opinion, to get this all done. Dave: Yeah, to co to coincide with the election filing. Brian Right. Because typically I don't provide any of the documents, including the election, to the, to the client until all these things are done. Dave: Yeah. Oh, I see. Sure, sure. Because then there's, Brian you know, they have to sign the disc election and there's all these other documents they need to sign and put in a minute book. And so rather than piecemeal it, we just give it to them all at once. Dave: Okay. So they've got their binder with all their signed documents or a signed copy of the 48 76 A that was filed a copy of the approval from the IRS. So now finally, are we ready to get started using our disc? Is there. Brian Collection the I. Yeah. As you've probably seen in the news, things are changing at the postal service as far as postmarks and what they can be relied on as when something was considered filed. So they're not promising the postmark things that they, you drop them in the mail anymore. Dave: Oh, really? Okay. I hadn't heard that. Brian Yeah. So it's recommended to go, like, walk it to a counter and have it hands stamped with [00:28:00] a postmark. Yeah. But more importantly, and unfortunately not everybody listens to this, send the form certified mail return receipt requested. 'cause many times document is sent to Kansas City and they lose track. Oh, we never got your dis election. We can't process your dis return, whatever. And then there's proof that it was sent and then they have to, you know, find it basically. Dave: Okay. Or Brian at least accept it, maybe even if they never find. Dave: Yeah. Brian But there's one other thing about the disc and that we didn't talk about and, and I'm reminded of it because something you asked me in passing last week, which is something about the year end of the disc, the year end of the disc must coincide with its principal shareholder. So if I have a C corp that's a fiscal year, but the owners of the disc aren't gonna be [00:29:00] individuals, that disc will be a calendar year disc. Dave: Sure. Brian Not be a fiscal year company. And you know, if. It's owned by, let's say an S corp that has a fiscal year, then the disc will have a fiscal year. It, it must have the same year as its principalship. Dave: Okay. Yeah. Good. Thanks for the reminder of that. Brian And sometimes the disc collection gets filled out incorrectly. Somebody assumes one thing and, and then when a return is filed, the IRS, they're like, they, they dunno what to do. Yeah. Yeah. Okay. Alright. Now finally, do we have a little bouncing baby disc to be delivered to its proud parents? I think so. Dave: Okay. Okay. Okay. Brian And that's usually, it's usually about three to five months after it was formed. Dave: Okay. Brian Is when it started eating solids. Dave: Okay. Alright, so now we've got the disc set up and 9:45 AM I'm, I'm sorry, I keep touching my watch and it says the time, apparently it's time to just take off my watch. Okay. So now, so let's just say that they have not yet set up the bank account. They've done everything else, and now it's time to set up the bank account so they, you know, call their local banker. They get it set up at the same bank, so it can be on the same online banking platform. And then they fund it. And does it matter where the funding comes, comes from for that bank account? Can they just like say the company. I mean, can just anybody fund it? Say there's three shareholders, can just one shareholder write a check for $2,500 to fund it? Or how does that all look? Brian Well, I mean, there, there will be a subscription agreement that shows how much each shareholder owes for their shares, and each shareholder should pay for them. Okay. Can't just be one. Dave: Okay. So we have the bank account set up, we're ready to go. And so now we're at the end of the year, or approaching the end of the year. Let's say we're in November of 2026. Anything we need to do before the end of the year Brian for an accrual based taxpayer? No. Okay. There's nothing paid to do, but before the end of the year. Dave: And what about for a cash basis? Brian For a cash basis, taxpayer, if we want a deduction in 2026. We need to pay the DIS in 2026, so Dave: we Brian would need to gather information in order to estimate a DIS commission for 2026 before the end of the year. Dave: Okay. So cash basis, that's what we need to do by the end of the year. Accrual basis. Basis, no. Do I need to do [00:32:00] anything by the end of the year? Brian You don't need to. You have an option to, if you'd like to, if you wanna have an idea of what the disc commission might be, or you actually wanna pay it before the end of the year, but there's no requirement. Dave: Yeah. And if you don't, and if you don't pay it by the end of the year, you get a deferral benefit Brian possibly. Dave: Yeah so say, say you did a hundred million of exports and your commission was $20 million. You just get to defer that whole thing till the next year, right? Brian No, Dave: no. Brian, all you say is No. Every good idea have you just say No. Brian It could defer 10% of it to the next year because only the income related to 10 million of export sales can be deferred, and it'd be a little less than 10% because the disc wasn't there the whole year. So we'd have to prorate that 10 million for the number of days the disc existed. And then some sliver can be deferred, but the rest of it is gonna be taxed to the shareholders as a deemed dividend Dave: in the current year. In the Brian current. Dave: Okay. Brian Then not taxed when physically distributed in the following. Dave: Okay, so we have an accrual tax payer. We get into the to 2027, and let's say they're extending their corporate return and they're planning to file that in August of 27. So we're done. We don't have anything else to do before August. Right? Brian That's not true either. Dave: Brian, Brian you're Dave: killing me. Brian Yeah, well, it, I mean, it depends. If nothing was done before the end of the year, then something needs to be done within the first 60 days after the accrual base taxpayer. Or, you know, let's say the cash base taxpayer says, I don't [00:34:00] care if I get my deduction next year, so I'm not gonna pay anything this year. Something needs to be paid at this within 60 days of the end of the year. Dave: So is this one of those things like the sales agent agreement, that that's just recommended? Brian No, this is required. Dave: Required. Okay. Brian Yeah. This is required. This is, this is one of the hot buttons the IRS will try to use to disqualify your disc. Dave: Okay. Brian So the disc accrues a receivable at the end of the year, even though it doesn't know the amount at the end of the year for all, for, for disc purposes and books an an accrual for the income at the end of the year. That accrual or the receivable is only a qualified export asset if, if the payment rules around that receivable or satisfy. Dave: Okay. Okay. Brian One Dave: rule Rules. Rules. There's always rules. Brian Yeah. It's very draconian. You have a 60 day rule and a 90 day rule. 60 day rule says you must pay a reasonable estimate of the disc commission to the disc within 60 days of the end of the year in cash or. It could be cash, it could be a note. Dave: And reasonable is just any old amount. You just put your finger in the air and ah, I think a hundred dollars is reasonable. Brian Again, that's not the case. There is a safe harbor for what is reasonable, and that safe harbor is f at least 50% of the final commission amount that you Dave: determine. But how do you know that in February Brian you have, Dave: if you're not preparing the corporate, Brian you have to try to compute an estimate before the end of FE Dave: and you have to nail it exactly at 50%. So if you think the commission's gonna be $1,217,412, you need to pay exactly 50% of that, Brian at least. [00:36:00] Dave: Oh, at least. So you could pay more. At Brian least you could pay more. And we always recommend maybe paying 75 to 80%. Dave: Okay. Brian Because if you pay whatever you pay. That amount is gonna be your limit. So if you thought it was gonna be a million and you paid 500,000 and it turns out to be 1,000,500, too bad. So sad, you only paid 500,000, you're capped at a million. Dave: Okay? I mean, that's the safe harbor. I suppose there might be circumstances where, where one could argue that they maybe the first year of the disc, and you know, they, they, Brian you can argue it, you can try to argue it, but there's no guarantee that the IS will accept any of the arguments. And the private letter rulings that exist from the 1970s would imply that they, they're really not going to accept just about any rationale for being reasonable other than that 50% bright [00:37:00] line safe harbor. Dave: Okay so you make the payment, Brian make that payment, and. Dave: Can you just book a journal entry? Do you, do you actually have to really move the money? It sounds like a hassle. Brian I mean, in, in general you have to, you have to either create a note or move cash. Dave: Okay. Brian Okay. Dave: But that might be a lot of money though. Like what if, what if it's like $2 million and million? The company only has a million dollars in the bank. Brian They could use the same capital multiple times. Dave: Oh, okay. Brian And roundtrip the money as many times as they need to, or like I said, use the, use the promissory note. Dave: Okay. Brian Short term promissory note to satisfy that requirement because it does say cash or property. Dave: Okay. So we get through February, we've made our, our 60 day payment. We've, we've, you know, sh sh we've, we, instead of doing 50%, we did about 80% of what we thought it was gonna be to give us some cushion, and now we can go take a vacation till the till the corporate returns ready. Brian Yeah. I, I, I think so. Dave: Okay. Brian I think so. Dave: Okay. So it's time to now. So it's time. Now, if they extend that corporate return, I guess they're gonna have to extend the disc return as well. Brian Well, the disc return is due September 15th as a matter of course. Dave: Oh, Brian are handy. There are no extensions. So really as far as the disc and its compliance goes, once you make that 60 day payment, there's really not much you can or should do or are able to do until the related entities tax return. Prepared. [00:39:00] So a lot of times they'll say, well, that's not gonna be done till September 15th, and we have to have a discussion about how that doesn't work because the disc return has to be done by September 15th, but in order to do the disc return, you need to basically a completed within it supplier returns. So then we have to work backwards from September 15th to figure out like when's the latest they can have that, that other return done in order Dave: to Brian get the disc return done. Now that's relatively easy in the past through context because all those pass through returns are also due September 15th on extension. Dave: Sure. Brian Whereas a C corporation, it's not so easy because the extended due date for a C corporation, if it's a calendar year is October 15th. So it may be that you have to file a disc return with a made up number on time and then amend it after. Okay. After September 15th. I've done that a number of times. Dave: Okay. So that makes sense. Brian Because as is good as CPAs are, they're deadline driven. So if a return is due October 15th, they're unlikely to have it done by the end of August. Dave: Yeah. Okay. So it's time to file the disc return. I assume the CPA firm probably has that disc return and their standard tax software with all the other forms. So you just have the CPA go ahead and prepare the disc return. I've looked at it, it's a short return. It's like 10 pages long. So you just go ahead and have the CPA prepare the disc return, then bing, bam, boom, you're done. Brian Could do that. Dave: Okay. Is there a drawback to doing that? Brian Yeah, it would probably be wrong. Dave: Okay. Why do you say that? Now, remember [Brian, we have a lot of CPAs who we have very good relationships with that we share clients, you know, saying that they're probably gonna do it wrong. I mean, heck, I don't really wanna annoy all my great CPAs we work with Brian Well, okay, but it, well, it's just a fact. It'll probably okay Dave: be Brian wrong because they might see one or two or three a year. They, they think they know what all the different terms on the district return mean, but they're not as familiar with that as they are with a S Corp return or a partnership return, or 1120. So they do what they think is right, and it may be right, it may not be right. So again, I, in my opinion, you want a specialist preparing the district return. Dave: Okay. Brian Okay. Because we know exactly how it's supposed to be filled out. And then if, if the calculation is done on a transaction by transaction [00:42:00] basis, there's this schedule P that gets attached to the return. Well, if you don't do a T by T, there's one Schedule P. If you do a T by T, there could be thousands of them. So I don't think CPAs and their software are equipped to complete thousands of schedule Ps and attach Dave: Yeah. Brian To the district. Dave: No, good point. And you're, you're getting your your enthusiasm to get to T by t had me, you got a little ahead of me. 'cause I was gonna ask, so client says, Hey, we have a desk. Our accounting department's busy. What's just the bare minimum of information we need to send you? What's the bare minimum? Brian Bare minimum would be qualified export sales. Dave: They just need to send you a number. Brian Yes. Dave: Then you take that number and how hard can it be? Right. Just take the, Brian it's not, it's not necessarily that hard at that point. Dave: Yeah. But say the profit on those sales [00:43:00] is the average profit of the company and taxable profit. And you compute the disc commission, you go through the Schedule P and compute the disc commission and pick the higher of the two numbers that you, that you compute. So you would just be like the final draft, corporate return and that total export number, you know, dollar amount for the year. And, and that's really all you need to, to do. That's Brian the bare bone. That's the bare bones, yeah. Dave: Okay. And that's what some people would call the standard calculation or a simple calculation, Brian I'd call it simple. Yeah. Dave: Okay. And that's also known as the 4% 50% calculation in some circles. Right. How does that work? Brian Well, it's also known as the safe harbor calculation in certain circles as well. Back to that, Dave: back to that safe harbor again. Brian Yeah. But that's actually not a safe harbor, so that's why I bring that up. Dave: Okay, well Brian that's the safe harbor calculation. I'm like, no, it's not. It's just the [00:44:00] calculation. There's nothing safe harbor about Dave: it. Okay. Brian Okay. It's just the rules that are found in the code and regs for computing and disc commission, and they're the two predominant methods. 4% of sales and the 50% of net profit, Dave: you just cherry pick whichever one works better. Brian Yeah, but the 4% method has limitations. So Dave: more limitations probably. Why? Why can't this just be simple? You said it was the simple calculation and now you're already telling me there's inherent complexity. Brian Even if it's simple, it's not totally simple. Dave: Okay. Okay, Brian so the, and I've seen this done wrong. Millions, well, not millions, hundreds of times, and I can say it is hundreds of times. Client computes the 4% method just by choosing 4% of sales. They don't look at what their net income is on the, on the [00:45:00] activity. They just say, oh, I'm allowed to use 4% of sales. The limit there is you cannot create a loss. There's something called the no loss rules. You can't create a loss with a disc commission if one doesn't already exist. So if the profit on, say, on the sales are 2% of sales, you can't take 4% of sales. You're limited to 2% of sales. And if, for example, you have a loss of the company, you're limited to zero. But I've seen situations where that's completely ignored. Dave: Okay? Brian Properly computed this commission of 4% of sales, but it should have been something less or possibly zero. Dave: Okay? So more complexity, but the good news, that's the extent of the complexity. One, schedule P, 4%, 50%, you know, make sure you, you don't create a loss. Now we're, we're all done. Pop. You [00:46:00] know what, what? Dusted and dusted and delivered we're, we're good to go. They've maximized their dis commission, right? And we're all done. They have a nice 10 page return to send to the IRS. Which by the way, can they file that electronically, that return? Brian Fortunately, there are no provisions for electronic filing of the disc return. It must be, Dave: what is this, the 1970s or something? Brian Pretty much Dave: Okay Brian with, with regard to the disc? Yeah. And, and some other forms. Yeah. But the, the, the benefit of that, here, I'll give you a benefit. The benefit of the fact that you must file a paper return is they can have an electronic signature on it. Okay. It doesn't have to have a wet signature. Dave: Okay? Okay. Brian So you could theoretically, for example, send your client the return using DocuSign, have them sign it. You print it, you file it for, Dave: okay. Okay. But, but now we're finally done. It's signed, it's done. And they say, boy, thank you very much, Brian. You've done, your team did a great job, and boy, I really appreciate, you know, we had 10 million of exports. We have all kinds of variability in our profit margins. And, but thank you very much. You, you created the amazing $400,000 or you calculated the 400,000 disc commission. Thank you very much. I couldn't imagine you went above and beyond. I couldn't imagine you could have done anything more. And then what do you say? Do you graciously say, oh, you're welcome. It was our pleasure. Brian I would graciously say, you know, we, we've just computed your minimum disc commission. Dave: Okay, Brian not your maximum. Because you have Dave: vast, lemme guess. Lemme guess. There's more complexity coming. Brian More complexity, which relies on more data being. Pulled from the client's [00:48:00] records to, to allow for a calculation of the DISC commission at a more detailed level, ideally at a line item by invoice level, Dave: line item. That sounds like a lot of work. Brian It can be. Can be a Dave: lot. What if the client says, our accounting department's busy? Sounds like we're gonna have to spend weeks gathering all this data for you. Eh, it's just, we're too busy, it's not worth it. What do you say then? Brian I gu I almost can guarantee you it will be worth it. Okay. Because looking at the detail is likely to cause at Disconnect commission to be anywhere from 50 to three, 400% higher than what it otherwise would've been. Now, unfortunately, in that first year, since you've already filed with a certain number, you're limited to two times what you paid in that 60 day window. But going forward. You know, there's no limit. Dave: Okay. Brian Whatever we compute can be your disc commission. So different industries have different amount of variability and t and transaction by transaction calculations have different impacts depending upon the industry, the profitability of the business, how many products they have, who they sell to. But it can vary. But I'll give you an example of one that we worked on recently where company had a hundred million of export sales. They took 4% of sales, and they've been taking 4% of sales year after year, after year, after year, after year, Dave: okay. Brian They brought us in like three weeks before the district return. Dave: Okay. Brian And we went through the calculations and we actually calculated 17 million Dave: as opposed to 4 million. Brian As opposed to four. Dave: [00:50:00] Yikes. That's a big difference. Brian It's a huge difference. And fortunately they were, you know, well, I mean they were very pleased with the result. And so now on a going forward basis, we're not doing 4% of sales. Dave: Okay? But you still have this. But if they were able to get a $17 million commission, then that means their corporate taxable income must have been at least 17 million. 'cause didn't I hear you say the disc commission cannot cause a loss. Brian It cannot cause a loss at the level at which you're computing the commission. So there's no, you're killing me, Brian. Just more complexity. Yeah. Well, it's very complex area. There's, there's no overall no loss rule. Like if you, you can, as long as you're meeting the rules as they're written, you can cause your entity to go into a loss position. Now, this particular instance, it did not do that, but [00:51:00] you could do that. Dave: Okay. And then if you get into a loss position, there are other non disc complexities that come into play that impact whether you want to maximize the loss in that entity or you want to target a particular loss in that entity. And that's not something that we get involved with, but we're certainly sensitive to it. Sure. Sure. And so you're saying for this client, even though I've heard some people say you've got the simple calc and then the hard calc. And so you'd wonder why would anyone do the hard calc? Well, it's because their commission went from 4 million to 17 million, which saved them hundreds of thousands of dollars. You created hundreds or millions of dollars with additional tax savings. Brian Right, right. Dave: Okay. Brian And by the way, after the first conversation we had with them, they said, oh [00:52:00] yeah, this is not something we can do. The accounting department said, this is not something we can do. Then the owner said, this is something you're gonna, Dave: it's funny how that, how that works. Okay. And then I'm guessing this extra work. You, you're probably gonna have to create another schedule P or two. So now the disc return, it's gonna be 10 pages. It's what? 20 pages? Is that kind of a typical page count? Brian No, it could be Dave: no. Brian Thousands of pages. Dave: Thousands. I mean, Brian, a ream of paper is 500. So thousands would be reams of paper. Brian Yes. I've had some returns that have like 15 binders of paper. Dave: Yikes. Brian Yeah. Just goes in a big box and I'm sure the IRS types, all those schedule Ps into their, Dave: I'm sure they do. Okay. So the return gets filed, so the return's ready. You take that box, you just slap a you print off a postal label online, drop it off at the post office. And you're done, right? You just give it to carrier, Brian understand, Dave: carrier, carrier your house or whatever. Brian Well, you can send it via FedEx. You can send it via UPS. And actually, in some ways, I think that might be better these days than the postal service. Dave: And why do you have to do that? Can you just slap, I mean, if you have your 15 binders, couldn't you just put a hundred stamps, you know, on the, the box and ship it in because they'll get it, right? I mean, it's not like they're gonna lose it or anything. Brian They might, they could very well lose it. And you definitely want proof of delivery and you want proof of mailing. So again, it's a certified mail if you're using the postal service or if you're using a private carrier like FedEx, you know, you get all that documentation about when it was shipped and when it was delivered.[00:54:00] Dave: Okay, well now at least we're finally done. Right? You ship it off. The CPA pulls the numbers from the disc return, puts it on the corporate and shareholder returns. Now we're done. It's gone to the IRS. We never have to think about it again. Right. Brian I'm not sure if that's a trick question or not, but in some ways that could be true, Dave: right? Yeah. But it, but I guess you could get audited, right? Brian Could get audited by an agent who has no idea what they're doing, which is typically the case. Dave: So that's why you want your CPA defending you in that case. 'cause then it's like the blind leading the blind. Brian No, I think it's better if someone with site is involved. So again, the specialist who did the disc work should represent the taxpayer or be involved with the representation of taxpayer in the case of the audit. Dave: Okay. Brian And the should be involved. Because really what's under, what's really in question is the [00:55:00] deduction on that entity's tax return. The dis itself doesn't pay tax. So they rarely audit a dis quote. Dave: Okay? So if I break it down, you to do it really right? You need a specialist to guide you on the initial structure of the disc. You need another specialist to set up the, the disc. You need another specialist to do all the paperwork, make sure the document's correct another specialist to prepare the return, and then another specialist to defend you. So is that about right? So do you need like five different people to make sure everything's done right? Brian? Isn't there some way that you could just have one person that could just do it all for you and be done with it? Brian Well, of course. Dave: Okay. Finally, finally, I get a simple answer, Brian right? So if you, if you engage a disc specialist, that [specialist should be able to do all that. Dave: Okay? Brian Okay. Now, not every disc specialist is created equally. Dave: Sure. Brian You know, I brought up during our conversation that there are some non disc things that can also add complexity to the situation. Not every disc specialist will be sensitive to those things. Not every disc specialist will understand those things. So the benefits that like our organization brings is that. Least myself in particular, I didn't always just do IC disc work. I, I, I have a well-rounded knowledge of all of the, of the tax world. And so I am sensitive to non disc things. You know, for example, you know, another example, oh, a company has a lot of export sales. You would think it's a no brainer. They should have a dis, they should use the dis. They should, they, they should want to convert that ordinary income to qualified dividend [00:57:00] income. Well, what if the S-corp is owned by an ebit? What if there are passive shareholders? All of those things impact whether the disc commission actually helps or hurts their tax situation. And I would get, I would venture a guess that, you know, if you went out and Googled, you know, I see this specialist, you would find a handful. At most that understand all that stuff and how all it all interplays together as opposed to the multitude of those that won't understand any of it. Dave: Okay. Brian So I think a, a disc specialist that is sensitive to all the other tax rules is, is definitely something that is valuable. Dave: And you probably want someone with some experience who's done maybe, you know, what a dozen disc returns in their career, maybe 50 if they're really good. Like how many, how many have we done organization wide? Probably Brian probably 10,000. Dave: 10,000? Well, that's a lot more than 50. Brian Yes. Over the years it's probably close to that number. And we've probably claimed billions of dollars of just deductions and saved clients, hundreds of millions of dollars of tax. And, and I'm proud to say that every dollar we've ever claimed we've. Okay. Dave: So Brian I've never had an adjustment from the IRS. Dave: Well, that sounds like a, a good a good record. So bottom line, Brian that's, that's the best you can come up with a good record. I'd say it's Dave: well, I didn't wanna say a perfect record. I didn't want to jinxy. Brian No, but it's, it's, it's, it's pretty outstanding record. Dave: Yeah. It's a, it's an impressive record Brian because there are also just providers out there that say, well, you know, Dave: it's the Wild West. Brian The wild west, the IRS doesn't really understand it, so let's be as aggressive as possible. And, and that's not the way we approach it. Dave: Yeah. Wow. Well, this has been this has been a lot. So really it's that simple. So the person who wants to just do all this themselves, we've laid out the whole playbook for them. Brian Yeah. The only simple thing they have to do is call us. Dave: There you go. That is it. Yeah. And, and oh, the other thing, not only are you the Bob, hope you now have moved from number two to number one for the most experienced icy disc guy. I know now that Neil Block is retired. Brian Well, that's, I don't know if that's a plus or not. Whether I'll take it just means I've been doing it a long time myself. So Dave: yeah, Neil was, I think my second, first or second guess. And and I was just happy. 'cause his billing rate back then was like $1,500 an hour. I was just glad I didn't get a bill a month later for him being on the podcast. But he, [01:00:00] he did it for exactly 50 years at one firm, baker and McKinsey in Chicago. He had one office, one phone number, like the whole 50 years. Brian Yeah. That's, Dave: that is something you don't see much anymore. Brian Definitely not, no. It's, but it's very, that's. That's very cool. And Neil is a very, you know, is a very intelligent savvy guy. Dave: Yeah, that is for sure. Well, Brian, anything else that we didn't cover that you can think of? Brian I can't think of anything. I think we covered a, a great deal here. Dave: Okay. Brian Can't think. Dave: Well, I, I'll let Brian we omitted. Dave: Well, great. Well, hey, thank you so much for your time. Really appreciate it. And I'll let you get back to your, your exploration of your yard there. Brian Yeah. I feel like, it's funny I shrunk the kids. Dave: I know. Well, hey, well, well again, thanks again, Brian. We all appreciate your time. Brian You're welcome. Have a good day. Dave: You too.

    Full Court Press
    USU vs Wyoming preview / Jerrod Calhoun press conference / crazy game in Reno - Jan. 28, 2026

    Full Court Press

    Play Episode Listen Later Jan 29, 2026 59:00


    Eric Frandsen and Jason Walker preview Utah State vs Wyoming men's basketball.Storylines and injury updates for the Aggies and the Cowboys.Press conference with Jerrod Calhoun.Mountain West games from Tuesday: Grand Canyon totally collapsed with only seconds left on the clock and lost at Nevada. Big margin-of-victory-wins for New Mexico and Boise State.Mountain West and high school basketball games on the schedule.

    Ye Olde Crime
    The Wretched Matricide: The Case of Elmer Sharkey

    Ye Olde Crime

    Play Episode Listen Later Jan 28, 2026 59:54


    Lindsay and Madison discuss the matricide of Caroline Sharkey at the hands of her son, Elmer, as well as how “prolific” insanity was in 1800s Ohio, why you shouldn't stage a crime scene, and how to die in a way so horrifying that it makes your state's history. Information pulled from the following sources 2018 Executed Today post by H.M. Fogle 1892 The Cleveland Leader 1890 The Cincinnati Enquirer (1) (2) (3) (4) (5) 1890 The Cleveland Leader 1890 The Dayton Herald 1890 The Evening Post 1890 The Journal News 1890 The Miami Leader 1890 The Plain Dealer 1890 The Zanesville Signal 1889 Darke County Democratic Advocate 1889 The Dayton Herald 1889 The Greenville Democrat 1889 The Miami Helmet 1889 Richmond Weekly Telegram (1) 1889 The Vincennes Sun-Commercial Find a Grave (1) Send us your listener questions to bit.ly/AskYOC. Become a member on Buy Me A Coffee for as little as $1/month to support the show.  Get your groceries and essentials delivered in as fast as 1 hour via Instacart. Free delivery on your first 3 orders. Min $10 per order. Terms apply. You can write to us at: Ye Olde Crime Podcast, PO Box 341, Wyoming, MN 55092. Leave us a rating and review on Apple Podcasts, Podchaser, Spotify, Podcast Addict, Audible, or Goodpods! Don't forget to follow us on Twitter, Instagram, Threads, Facebook, TikTok, and YouTube. Learn more about your ad choices. Visit megaphone.fm/adchoices

    DayWeather Podcast
    DayWeather Regional Travel Impact Forecast 1-28-26

    DayWeather Podcast

    Play Episode Listen Later Jan 28, 2026 3:57


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    No Sharding - The Solana Podcast
    How Wyoming Built the First State-Issued Stablecoin w/ Anthony Apollo

    No Sharding - The Solana Podcast

    Play Episode Listen Later Jan 28, 2026 56:06


    In this episode, Austin talks with Anthony, Executive Director of Wyoming's Stable Token Commission, about how Wyoming became the first U.S. state to issue its own government-backed stablecoin. They discuss the state's decade-long push into crypto policy, why Wyoming chose to operate digital financial infrastructure instead of just regulating it, and how the Frontier Stable Token is designed to be fully backed, legally neutral, and usable for any lawful purpose. The conversation covers constitutional safeguards around privacy and due process, how reserves generate public revenue, and why a small, agile state may be uniquely positioned to experiment with on-chain money—offering a glimpse into what the future of state finance could look like.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Cowboy State Politics
    Cultural Marxism at UW with Dr. Jenna Robinson 1/28

    Cowboy State Politics

    Play Episode Listen Later Jan 28, 2026 28:23


    There are a lot of problems at the University of Wyoming; not the least of which is how they've been hiding really destructive courses from the legislature.  After publishing the most recent episode on it, I got what I thought was a random social media message. Turns out, it was from a member of the James G. Martin Center for Academic Renewal.  Dr. Jenna Robinson is the president of that organization.  She joined me on the show to talk about what can be done to fix a lot of these programs and the center she leads.

    university wyoming cultural marxism academic renewal jenna robinson
    Idaho Sports Talk
    BOB WITH FOUR TAKEAWAYS ON BASKETBALL'S FOUR-GAME WINNING STREAK

    Idaho Sports Talk

    Play Episode Listen Later Jan 28, 2026 9:33 Transcription Available


    BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to examine basketball's four straight wins over Colorado State, Wyoming, Air Force and San Jose State. No. 1 on Bob's list: The team's best attribute is its depth. Next: At Grand Canyon on Friday night.See omnystudio.com/listener for privacy information.

    Coast to Coast Hoops
    1/28/26-Coast To Coast Hoops

    Coast to Coast Hoops

    Play Episode Listen Later Jan 28, 2026 170:03


    Today on Coast To Coast Hoops Greg recaps Tuesday's college basketball results, talks to Ben Wilson of VSIN the WCC, WAC, & Big Ten landscape, & how some of the biggest surprise teams of the season might still be undervalued, & Greg picks & analyzes every Wednesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pcPodcast Highlights 1:58-Recap of Tuesday's Results16:31-Interview with Ben Wilson32:21-Start of picks Baylor vs Cincinnati 35:05-Picks & analysis for California vs Florida St37:16-Picks & analysis for USC vs Iowa39:53-Picks & analysis for Butler vs St. John's42:13-Picks & analysis for Mississippi St vs LSU44:54-Picks & analysis for Northern Iowa vs Southern illinois48:20-Picks & analysis for St. Bonaventure vs Duquesne51:03-Picks & analysis for Western Kentucky vs Kennesaw St54:09-Picks & analysis for Oakland vs Fort Wayne56:46-Picks & analysis for Davidson vs George Mason59:43-Picks & analysis for Charlotte vs Temple1:02:20-Picks & analysis for Rice vs East Carolina1:04:58-Picks & analysis for La Salle vs Fordham1:07:35-Picks & analysis for Jacksonville St vs Florida International1:10:23-Picks & analysis for Texas vs Auburn1:12:47-Picks & analysis for IU Indy vs Robert Morris1:15:11-Picks & analysis for Xavier vs Seton Hall1:18:10-Picks & analysis for Evansville vs Drake1:20:49-Picks & analysis for Old Dominion vs Arkansas St1:23:15-Picks & analysis for Denver vs Kansas City1:25:42-Picks & analysis for Belmont vs Valparaiso1:28:17-Picks & analysis for South Dakota St vs Omaha1:30:42-Picks & analysis for Marshall vs Texas St1:33:35-Picks & analysis for North Texas vs Tulsa1:36:35-Picks & analysis for Sam Houston vs Missouri St1:38:59-Picks & analysis for UAB vs UT San Antonio1:41:26-Picks & analysis for DePaul vs Georgetown1:43:59-Picks & analysis for Louisiana Tech vs UTEP1:46:23-Picks & analysis for Stanford vs Miami1:49:06-Picks & analysis for Minnesota vs Wisconsin1:51:38-Picks & analysis for San Diego vs Pepperdine1:53:52-Picks & analysis for Illinois St vs Murray St1:56:40-Picks & analysis for Wyoming vs Utah St1:59:03-Picks & analysis for Florida vs South Carolina2:01:55-Picks & analysis for South Florida vs Tulane2:04:09-Picks & analysis for Houston vs TCU2:06:14-Picks & analysis for Delaware vs New Mexico St2:08:44-Picks & analysis for Seattle vs Washington St2:11:25-Picks & analysis for Portland vs Pacific2:14:02-Picks & analysis for Oregon St vs Loyola Marymount2:16:24-Picks & analysis for Colorado St vs San Diego St2:19:04-Picks & analysis for San Francisco vs Santa Clara2:21:38-Picks & analysis for UCLA vs Oregon2:24:37-Picks & analysis for Tennessee vs Georgia2:27:22-Start of extra games Lehigh vs Army2:29:55-Picks & analysis for Austin Peay vs Eastern Kentucky2:32:01-Picks & analysis for Central Arkansas vs Queens NC2:34:23-Picks & analysis for Navy vs Boston U2:36:36-Picks & analysis for American vs Loyola MD2:36:54-Picks & analysis for West Georgia vs Bellarine2:41:30-Picks & analysis for Holy Cross vs Colgate2:43:43-Picks & analysis for Arkansas Pine Bluff vs Grambling2:45:55-Picks & analysis for Mississippi Valley St vs Southern2:47:57-Picks & analysis for Bucknell vs Lafayette Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    DayWeather Podcast
    DayWeather Regional Travel Forecast 1-27-2026

    DayWeather Podcast

    Play Episode Listen Later Jan 27, 2026 3:52


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Stop Me Project
    University of Wyoming Throws Coach Paul Barrett: NCAA Weight Throw Champ, Low-Volume Training, JUCO Recruiting & Hammer Throw Development

    Stop Me Project

    Play Episode Listen Later Jan 27, 2026 50:55 Transcription Available


    University of Wyoming Throws Coach Paul Barrett joins Airey Bros Radio for a first-ever deep dive with a throws coach — and he delivers a masterclass on NCAA throws development, strength & conditioning, and how to build a quietly dominant program for nearly three decades.Barrett is in his 27th season at Wyoming and has coached 2 NCAA champions, 22 All-Americans, 36 conference champions, and 127 all-conference finishers. We break down his award-winning year (USTFCCCA Mountain Region Men's Assistant Coach of the Year), the rise of NCAA champion Daniel Reynolds, and why Barrett's training approach is the opposite of what most people expect: low volume, high recovery, high results.If you're a throws athlete, football player considering track, a high school coach trying to learn throws, or a recruit looking for a real pathway — this episode is loaded with practical coaching insight and recruiting advice.In this episode:How Paul went from wrestling → sprints/long jump → hammer throwWhy he loves JUCO recruiting (and why NWAC athletes get overlooked)What he looks for in a hammer/weight throw prospectThe training week that helped turn Daniel Reynolds into an NCAA championWhy Olympic lifts matter (and what they actually do in-season)The #1 thing high school throwers must fix on their Instagram recruiting pageWyoming's team culture, academics, facilities, and what surprises recruits mostFollow Coach Barrett: Instagram — @yo_pokes_throwsFueled by: Black Sheep Endurance CoachingValue for Value: Buy us a coffee (link in your ABR bio/show notes)Show Notes + Timestamps: 0:13 – Show open (Howdy & Aloha, value-for-value, Black Sheep Endurance)1:17 – Guest intro: Paul Barrett's résumé + Wyoming throws legacy2:37 – ABR milestone: first throws coach on the show3:18 – Where to find Coach Barrett: IG @yo_pokes_throws3:48 – Throughline: shoutout to Coach Sean McLachlin (NWAC connection)4:26 – Origin story: wrestling → sprinting/long jump → throwing discovery5:51 – Where he grew up: Texas/Kansas/Wyoming/Washington State6:28 – Spokane CC dynasty + NWAC dominance7:42 – JUCO recruiting: why he actively watches NJCAA + NWAC9:39 – Why JUCO athletes often become his hardest workers10:10 – Favorite event: hammer throw (as athlete + coach)11:15 – Hammer recruiting: what to look for if an athlete hasn't thrown hammer12:46 – Getting into coaching + love for strength & conditioning13:44 – Strength → throws transfer: why power matters14:38 – Key lifts: Olympic lifts, squats, core integration15:35 – Coaching progression: straight into S&C + throws roles16:27 – Recruiting battles: football vs track (and why “both” rarely works)18:11 – Why football players should do track (explosiveness + goals)19:29 – 27 years at Wyoming: how his coaching evolved20:13 – What he wants in recruits: work ethic + academics21:04 – Event setup: usually 2 events per athlete (team scoring strategy)21:49 – Geography: why he tends to recruit the West/Mountain/NW22:43 – Recruiting today: athletes DM him on Instagram (huge tool)23:57 – Daniel Reynolds story: seeing raw power → portal → instant potential25:16 – Technical changes + biggest difference: recovery + low-volume plan26:27 – Meaning of the national title (recruiting + recognition)27:06 – Day-in-the-life training: the shockingly short week (recovery focus)29:17 – In-season lifting: hang cleans + front squats + close-grip bench30:35 – Sets/reps: low reps (5–1), maintain power without beating them up31:02 – Daniel's numbers: hang clean 425 + speed/power combo31:52 – Season update: young talent + goals for indoor postseason32:40 – Postseason timeline: conference late Feb/early March, NCAAs mid-March33:39 – Why “less is more” (injury reduction + quality training)35:04 – Advice to HS throwers: build a real recruiting IG + post lifting/throws36:40 – Advice to HS coaches: YouTube + clinics (why throws improved recently)38:02 – Team culture: small town, tight-knit program, family vibe39:22 – Academics: engineering/agriculture + strong athlete academic support41:23 – Wyoming surprise factor: facilities, funding, athlete dining, resources43:01 – Winter reality + altitude: dry cold, longer season, indoor throwing option45:11 – Final Four: coffee order, mindset, music, guilty pleasure50:14 – Outro: upcoming ABR episodes (Nate Shearer + James Overheiser)

    Fresh Life Church
    For Christ's Sake

    Fresh Life Church

    Play Episode Listen Later Jan 26, 2026 42:28


    What if the greatest danger to your faith isn't rebellion—but delay?In this message, “For Christ's Sake,” Pastor Jennie Lusko reminds us that how we use our time matters far more than we realize. Jesus, just days before the cross, tells two back-to-back parables in Matthew 25 to show us what it looks like to live ready for His return and faithful with what He's entrusted to us.Many of us aren't intentionally rejecting God… we're just putting Him off, living with spiritual time-blindness.In this sermon, you'll discover:What spiritual time-blindness looks like—and how to break free from itSeven ways to manage spiritual time-blindness and live with urgency, purpose, and surrender in light of Christ's returnWhy every moment, every gift, and every opportunity matters for eternityThis message is a call to wake up, to stop delaying obedience, to stop drifting spiritually, and to start living fully, faithfully, and urgently—for Christ's sake.NEXT STEPS:Ask for prayer or connect with a pastor: https://freshlife.church/contactRegister your decision to follow Jesus and receive free resources: https://freshlife.church/know-godGive a financial gift to support what God is doing as we take steps forward to see the Gospel reach far and wide: https://freshlife.church/giveSUBSCRIBE:Sign up to receive encouragement straight to your inbox, and to stay up to date with announcements, events, and more: https://church.us13.list-manage.com/subscribe?u=6ea4d82b2567db3e86b7767cd&id=451f2fe63eDon't miss a video! Subscribe on YouTube: https://www.youtube.com/c/freshlifechurch?sub_confirmation=1CONNECT ON SOCIALS:Website: https://freshlife.churchInstagram: https://www.instagram.com/freshlifeFacebook: https://www.facebook.com/freshlifechurchTwitter: https://www.twitter.com/freshlifeYoutube: https://youtube.com/c/freshlifechurch/Fresh Life Church was pioneered by Pastors Levi and Jennie Lusko in 2007. We exist to see those stranded in sin find life and liberty in Jesus Christ. Today Fresh Life's ministry impacts people with the radical, life-changing message of Jesus' grace, spilling across Montana, Oregon, Utah, Wyoming, and Idaho… and beyond.

    Get Rich Education
    590: Is the World Overpopulated or Underpopulated? What it Means for Housing's Future

    Get Rich Education

    Play Episode Listen Later Jan 26, 2026 44:35


    Keith challenges the usual "overpopulated vs. underpopulated" debate and shows why that's the wrong way to think about demographics—especially if you're a real estate investor. Listeners will hear about surprising global population comparisons that flip common assumptions.  Why raw population numbers don't actually explain housing shortages or rent strength. How household formation, aging, and migration really drive demand for rentals. Which kinds of markets tend to see persistent housing pressure—and why the US has a long‑term demographic edge. You'll come away seeing population headlines very differently, and with a clearer lens for spotting where future housing demand is most likely to show up. Episode Page: GetRichEducation.com/590 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 world overpopulated or underpopulated? Also is the United States over or underpopulated? These are not just rhetorical questions, because I'm going to answer them both. Just one of Africa's 54 nations has more births than all of Europe and Russia combined. One US state has seen their population decline for decades. This is all central to housing demand today. On get rich education   Keith Weinhold  0:36   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 of 188 world nations. He has a list show guests include 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   Speaker 1  1:21   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  1:31   Welcome to GRE from Norfolk Virginia to Norfolk, Nebraska and across 188 nations worldwide, you are inside. Get rich education. I am the GRE founder, Best Selling Author, longtime real estate investor. You can see my written work in Forbes and the USA Today, but I'm best known as the host of this incomprehensibly slack John operation that you're listening to right now. My name is Keith Weinhold. You probably know that already, one reason that we're talking about underpopulated versus overpopulated today is that also one of my degrees is in geography and demography, essentially, is human geography, and that's why this topic is in my wheelhouse. It's just a humble bachelor's degree, by the way, if a population is not staying stable or growing, then demand for housing just must atrophy away. That's what people think, but that is not true. That's oversimplified. In some cases. It might even be totally false. You're going to see why. Now, Earth's population is at an all time high of about 8.2 billion people, and it keeps growing, and it's going to continue to keep growing, but the rate of growth is slowing now. Where could all of the people on earth fit? This is just a bit of a ridiculous abstraction in a sense, but I think it helps you visualize things. Just take this scenario, if all the humans were packed together tightly, but in a somewhat realistic way, in a standing room only way, if every person on earth stood shoulder to shoulder, that would allow about 2.7 square feet per person, they would sort of be packed like a subway car. Well, they could fit in a square, about 27 kilometers on one side, about 17 miles on each side of that square. Now, what does that mean in real places that is smaller than New York City, about half the size of Los Angeles County and roughly the footprint of Lake Tahoe? So yes, every human alive today could physically fit inside one midsize us metro area. This alone tells you something important. The world's problem is certainly not a lack of space. Rather, it's where people live and not how many there are. So that was all of Earth's inhabitants. Now, where could all Americans fit us residents using the same shoulder to shoulder assumption, and the US population by mid year this year is supposed to be about 350,000,00349 that's a square about five and a half kilometers, or 3.4 miles on each side. And some real world comparisons there are. That's about half of Manhattan, smaller than San Francisco and roughly the size of Disney World, so every American could fit into a single small city footprint. And if you're beginning to form an early clue that we are not overpopulated globally, yes, that's the sense that you Should be getting.     Keith Weinhold  5:01   now, if you're in Bangladesh, it feels overpopulated there. They've got 175 million people, and that nation is only the size of Iowa. In area, Bangladesh is low lying and typhoon prone. They get a lot of flooding, which complicates their already bad sanitation problems and a dense population like that, and that creates waterborne diseases, and it's really more of an infrastructure problem in a place like Bangladesh than it is a population problem. Then Oppositely, you've got Australia as much land as the 48 contiguous states, yet just 27 million people in Australia, and only 1/400 as many people as Bangladesh in density. Now we talk about differential population. About 80% of Americans live in the eastern half of the US. But yet, the East is not overpopulated because we have sufficient infrastructure, and I've got some more mind blowing population stats for you later, both world and us. Now, as far as is the world overpopulated or underpopulated, which is our central question, depending on who you ask and where they live, you're going to hear completely different answers. Some people are convinced that the planet is bursting at the seams. Others warn that we're headed for a population collapse. But here's the problem, that question overpopulated or underpopulated, it's the wrong question. It's the wrong framing, especially if you're into real estate, because housing demand doesn't respond to total headcount or global averages or scary demographic headlines. Housing demand responds to where people live, how old they are, and how they form households. And once you understand this, a lot of things suddenly begin to make sense, like why housing shortages persist, why rents stay high, even when affordability feels stretched, why some states struggle while others boom, and why population headlines often mislead investors.   Keith Weinhold  7:20   So today I want to reframe how you think about population and connect it directly to housing demand, both globally and right here in the United States. And let's start with the US, because that's probably where you invest.    Keith Weinhold  7:33   Here's a simple fact that should confuse people, but usually doesn't, the United States has below replacement fertility. I'll talk about fertility rates a little later. They're similar to birth rates, meaning that Americans are not having enough children to replace the population naturally and without immigration, the US population would eventually shrink, and yet in the US, we have a housing shortage, rising rents, tight vacancy and a lot of metros and persistent demand for rental housing, which could all seem contradictory. Now, if population alone determine housing demand, well, then the US really shouldn't have any housing shortage at all, but it does so clearly, population alone is not the main driver, and really that contradiction is like your first clue that most demographic conversations are just missing the point. Aging does not reduce housing demand. The way that people think a misconception really is that an aging population automatically reduces housing demand. It does not, in fact, just the opposite. If a population is too young, well, that tends to kill housing demand, and that's because five year old kids and 10 year old kids do not form their own household. Instead, what an aging population often does is change the type of housing that's demanded, like seniors aging in place, some of them downsizing. Seniors living alone. Sometimes after a spouse passes away, others relocating closer to health care or to family. So aging can increase unit demand even if population growth slows. So already, we've broken two myths here. Slower population doesn't mean weaker housing demand, and aging doesn't mean fewer housing units are needed. Now let's explain why. Really, the core idea that unlocks everything is that people don't live inside, what are called Population units. They live in households. You are one person. That does not mean that your dwelling is then one population unit. That's not how that works. You are part of a household, whether that's a house a Household of one person or five or 11 people, housing demand is driven by the number of households, the type of households and where those households are forming, not by raw population totals. So the same population can have wildly different demand. Just think about how five people living together in one home, that's one housing unit, those same five people living separately, that is five housing units, same population, five times the housing demand. And this is why population statistics alone are almost useless for real estate investors, you need to know how people are living, not just how many there are. The biggest surge in housing demand happens when people leave their parents' homes or when they finish school or when they start working, or you got big surges in housing demand when people marry or when they separate or divorce. So in other words, adults create housing demand and children don't. And this is why a country with a youngish, working age population, oh, then they can have exploding housing demand. A country with high birth rates, but low household formation can have overcrowding without profitable housing growth. So it's not about babies, it's about independent adults, and what quietly boosts housing demand, then is housing fragmentation. Yeah, fragmentation. That's a trend that really doesn't get enough attention, and that is the trend, households are fragmenting, meaning more single adults later marriage, like I was talking about in a previous episode. Recently, higher divorce rates, more people living alone and older adults living independently, longer. Each one of those trends increases housing demand without adding any population whatsoever. When two people split up, they often need two housing units instead of one, and if you've got one adult living alone, that is full unit demand right there. So that's why housing demand can rise even when population growth slows or stalls for housing demand. What matters more than births is migration. And another key distinction is that, yes, births matter, but they're on somewhat of this 20 year delay and migration matters immediately, right now. So see, when a working age adult moves, they need housing right away. They typically rent first. They cluster near jobs, and they don't bring housing supply along with them. They've got to get it from someone else. Hopefully you in your rental unit.    Keith Weinhold  12:57   This is why migration is such a powerful force in rental markets, and you see me talk about migration on the show, and you see me send you migration maps in our newsletter. It's also why housing pressure shows up unevenly. It gets concentrated around opportunity. If you want to know the future, look at renters. Renters are the leading indicator, not homeowners and not birth rates. See renters create housing demand faster than homeowners, because renters form households earlier. They can do it quickly because they don't need down payments. Renters move more frequently and immigration overwhelmingly starts in rentals, fresh immigrants rarely become homeowners, so even when mortgage rates rise or home purchases slow or affordability headlines get scary, rental demand can stay strong. It's not a mystery, it's demographics. So births surely matter, but only over the long term. It's like how I've shared with you in a previous episode that the US had a lot of births between 1990 and 2010 those two decades, a surge of births more than 4 million every single one of those years during those two decades, with that peak birth year at 2007 but see a bunch of babies being born in 2007 Well, that didn't make housing demand surge, since infants don't buy homes. But if you add, say, 20 years to 2007 when those people start renting, oh, well, that rental demand peaks in 2027 or maybe a little after that, and since the first time, homebuyer age is now 40. If that stays constant, well, then native born homebuyer demand won't peak until 2047 so when it comes to housing demand, the important thing to remember is migration has an immediate effect and births have a delayed effect.    Keith Weinhold  15:02   and I'm going to talk more about other nations shortly, but the US has two major migration forces working simultaneously, domestic and international migration. I mean, Americans move a lot, although not as much as they used to, and people move for jobs, for taxes, for weather, for cost of living and for lifestyle. So this creates state level winners and losers, and Metro level housing pressure and rent growth in those destination markets and national population averages totally hide this. So that's domestic migration. And then on the international migration. The US has a long history, hundreds of years now on, just continually attracting working age adults from around the world. This matters immensely, because they arrive ready to work, and they form households quickly. They overwhelmingly rent first. They concentrate in metros, and this props up rental demand before it ever shows up in home prices. And this is why investors often feel the rent pressure first those rising rents.    Keith Weinhold  16:17   I've got more straight ahead, including Nigeria versus Europe, and what about the overpopulation straining the environment? If you like, episodes that explain why housing behaves the way it does, rather than just reacting to the headlines. You'll want to be on my free weekly newsletter. I break down demographics, housing, demand, inflation, investor trends and real estate strategy in plain English, often complemented with maps. You can join free at greletter.com that's gre letter.com   Keith Weinhold  16:53   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's midsouthhomebuyers.com   Keith Weinhold  17:54   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 1-937-795-8989Yep. Text their freedom coach directly again. 1937795, 1-937-795-8989,   Keith Weinhold  19:05   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   Chris Martenson  19:37   this is peak prosperity. Is Chris Martinson. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  19:53   Welcome back to get rich Education. I'm your host, Keith Weinhold, and this is episode 590 yes, we're in my Geography wheelhouse today, as I'm talking human geography and demographics with how it relates to housing, while answering our central question today is the world and the US overpopulated or underpopulated? And now that we understand some mechanics here, let's go global. Here's one of the most mind bending stats in all of demographics. Are you ready for this? When you hear this, it's going to have you hitting up chat, GPT, looking it up. It's going to be so astonishing. So jaw dropping. Every year, Nigeria has more births than all of Europe plus all of Russia combined. Would you talk about Willis?   Keith Weinhold  20:47   Yeah, yes, you heard that, right? Willis, that's what I'm talking about. Willis. The source of that data is, in fact, from the United Nations. Yes, Nigeria has seven and a half million births every year. Compare that to all of Europe plus Russia combined, they only have about 6.3 million births per year. So you're telling me that today, just one West African nation, and there are 54 nations in Africa. Just one West African nation produces more babies than the entire continent of Europe, with all of its nations plus all of Russia, the largest world nation by area. Yes, that is correct. One country in Africa produces more babies every year than France, Germany, Italy, Spain, the UK, all of Europe, including all the Eastern European nations, and all of Russia combined. This is a demographic reality, and now you probably already know that less developed nations, like Nigeria have higher birth rates than wealthier, more developed ones like France or Switzerland. I mean, that's almost common knowledge, but something that people think about less is that poorer nations also have a larger household size, which sort of makes sense when you think about it. In fact, Nigeria has five persons per household. Spain has two and a half, and the US also has that same level two and a half. That one difference alone explains why population growth and housing demand are completely different stories now, the US had 3.3 people per household in 1950 and it's down to that two and a half today. That means that even if the population stayed the same, the housing demand would rise. And this is evidence of what I talked about before the break, that households are fragmenting within the US. You can probably guess which state has the largest household size due to their Mormon population. It's Utah at 3.1 the smallest is Maine at 2.3 they have an older population. In fact, Maine has America's oldest population. And as you can infer with what you've learned now, the fact that they have just 2.3 people per household means that if their populations were the same. Maine would need more housing units than Utah. By the way, if you're listening closely at times, I have referred to the United States as simply America. Yes, I am American. You are going to run into some people out there that don't like it. When US residents call themselves Americans, they say something like, Hey, you need a geography lesson. America runs from Nunavut all the way down to Argentina. Here's what to tell them. No, look, there are about 200 world nations. There is only one that has the word America in it, that is the United States of America that usually makes them lighten up. That is why I am an American, not a Peruvian or Bolivian, and there's no xenophobic connotation whatsoever. There are more productive things to think about moving on. Why births matter is because births today become future workers, renters, consumers and even migrants. But not evenly. Young populations move toward a few things. They're attracted to capital. They move towards stability. They're attracted to opportunity, and young populations move toward infrastructure. That's not ideology, that's the gravity and the US remains one of the strongest gravity wells on Earth, a big magnet, a big attractant. Now it's sort of interesting. I know a few a People that believe that the world is indeed overpopulated, they often tend to be environmental enthusiasts, and the environment is a concern, for sure, but how big of a concern is it? That's the debatable part. And you know, it's funny, I've run into the same people that think that the world is overpopulated, they seem to lament at school closures. You see more school closures because just there weren't as many children that were born after the global financial crisis. And these people that are afraid we have an overpopulation problem call school closures a sad phenomenon. They think it's sad. Well, if you want a shrinking population, then you're going to see a lot more than just schools close so many with environmental concerns, though. The thing is, is that they seem to discount the fact that humans innovate. More than 200 years ago, Thomas Malthus, he famously failed. He wrote a book, thinking that the global population would exceed what he called his carrying capacity, meaning that we wouldn't be able to feed everybody. He posited that, look, this is a problem. Populations grow exponentially, but food production only grows linearly. But he was wrong, because, due to agricultural innovation, we have got too many calories in most places. Few people thought this many humans could live in the United States, Sonoran and Mojave deserts, that's Phoenix in Las Vegas, respectively. But our ability to recycle and purify water allows millions of people to live there. So my point about running out of resources is that history shows us that humans are a resource ourselves, and we keep finding ways to innovate, or keep finding ways to actually not need that rare earth element or whatever it is now, if the earth warms too much from human related activity, can we cool it off again? And how much of a problem is this? I am not sure, and that goes beyond the scope of our show. But the broader point here is that history shows us that humans keep figuring things out, and that is somewhat of an answer to those questions. The world is not overpopulated, it is unevenly populated. Some regions are young, others are growing, others are capital constrained, and then other regions are aging, shrinking and capital rich. And that very imbalance right there is what fuels migration and fuels labor flows and fuels housing demand in destination countries and the US benefits from this imbalance. Unlike almost anywhere else in the world, it's a demographic magnet. Yes, you do have some smaller ones out there, like Dubai, for example.    Keith Weinhold  28:04   But why? Why do we keep attracting immigrants? Well, we've got strong labor markets, capital availability, property rights, economic mobility, and US has existing housing stock. Countries today don't just compete for capital, they're competing for people. In the US keeps attracting working age adults, and that is exactly the demographic that creates housing demand, and this is why long term housing demand in the US is more resilient than a lot of people think. In fact, the US population of about 350 million. This year, it's projected to peak at about 370 million, near 2080 and of course, the big factor that makes that pivot is that level of immigration. So that's why the population projections vary now. The last presidential administration allowed for a lot of immigrants. The current one few immigrants, and the next one, nobody knows. You've got a group called the falconist party that calls for increased legal immigration into the US. Yeah, they want to allow more migrants into the country, but yet they want to enforce illegal immigration. That sounds just like it's spelled, F, A, L, C, O, N, i, s, t, the falconist Party, but the us's magnetic effect to keep driving population growth through immigration is key, because you might already know that 2.1 is the magic number you need a fertility rate of at least 2.1 to maintain a population fertility rate that is the average number of children that a woman is expected to have over her lifetime. And be sure you don't confuse these numbers with the earlier numbers of people per. Per household, like I discussed earlier, although higher fertility rates are usually going to lead to more people per household, India's fertility rate is already down to 2.0 Yes, it is the most populated nation in the world, but since women, on average, only have two children, India is already below replacement fertility. The US and Australia are each at 1.6 Japan is just 1.2 China's is down to 1.0 South Korea's is at an incredibly low seven tenths of one, so 0.7 in South Korea, and then Nigeria's is still more than four. So among all those that I mentioned, only Nigeria is above the replacement rate of 2.1 and most of the nations above that rate are in Africa. Israel is a big outlier at 2.9 you've got others in the Middle East and South Asia that are above replacement rate as well. And when I say things like it's still up there, that whole still thing refers to the fact that there is this tendency worldwide for society to urbanize and have fewer children. For those fertility rates to keep falling. And that's why the future population growth is about which nations attract immigrants, and that is the US. Is huge advantage. Now there's a great way to look at where future births are going to come from. A way to do this is consider your chance of being born on each continent in the year 2100 This is interesting. In the year 2100 a person has a 48% chance of being born in Africa, 38% in South Asia, in the Middle East, 5% South America, 5% in Europe or Russia, 4% in North America, and less than 1% in Australia. Those are the chances of you being born on each of those continents in the year 2100 and that sourced by the UN.   Keith Weinhold  32:09   the world population is, as I said earlier, about 8.2 billion, and it's actually expected to peak around the same time that the US population is in the 2080s and that'll be near 10 point 3 billion. All right, so both the world and the US population should rise for another 50 to 60 years. Let's talk about population winners and losers inside the US. I mean, this is where population conversations really become useful for investors, because population doesn't matter nationally that much. It really matters locally, unevenly and sometimes it almost feels unfairly. So let me give you some perspective shifting stats. I think I shared with you when I discussed new New York City Mayor Zoran Manami here on the show a month or two ago, that the New York City Metro Area has over 20 million people, nearly double the combined population of Arizona and Nevada together, yes, just one metro area, the same as Two entire sparsely populated states. So when someone says people are leaving New York I mean that tells you almost nothing, unless you know where they're going. How many are still arriving in New York City to replace those leaving, and how many households are still forming inside that Metro? The household formation so scale matters, however, net, people are not leaving New York. New York City recently had more in migration than any other US Metro. Some states are practically empty. Alaska or take Wyoming. Wyoming has fewer than 600,000 people in the entire state. That's fewer people than a lot of single US cities. That's only about six people per square mile. In Wyoming, that's about the population of one midsize Metro suburb. Now, when someone says the US has plenty of land in a lot of cases, they're right. I mean, just look out the window when you fly over Wyoming or the Dakotas. But people don't really live where land is cheap. They actually don't want to. Most of the time. They live where jobs, incomes and their networks already exist. You know, the wealthy guy that retires to Wyoming and it has a 200 acre ranch is an outlier. There's a reason he can sprawl out and make it 200 acres. There's virtually nobody there. Let's understand too that population loss, that doesn't mean that demand is gone, but it does change the rules, especially when you think about a place like West Virginia. They have lost population in most decades since the 1950s and incredibly, their population is lower today than it was in 1930 we're talking about West Virginia statewide. They have an aging population. West Virginia has an outmigration of young adults. So this doesn't mean that no real estate works in West Virginia, but it means that appreciation stories are fragile. Income matters more than equity. Growth and demographics are a headwind, not a tailwind. That's a very different investment posture than where you usually want to be. It's important to understand that a handful of metros, just a handful, are absorbing massive national growth. And here's something that a lot of investors underestimate. About half of all US, population growth flows into fewer than 15 metro areas, and it's not just New York City, Houston, Miami, but smaller places like Jacksonville, Austin and Raleigh, and that really helps pump their real estate market. So that means demand concentrates, housing pressure intensifies, and rent growth becomes pretty sticky, unless you wildly overbuild for a short period of time like Austin did, and this is why some metros just feel perpetually tight over the long term, and others feel permanently sluggish. Population does not spread evenly. It piles up. In fact, Texas is a great case in point here. Understand that Texas is adding people faster than some entire nations do. Texas alone adds hundreds of 1000s of residents per year in strong cycles. Some years, they do add more people than entire small countries, more than several Midwest states combined. And of course, they don't spread evenly across Texas. They cluster in DFW, Houston, Austin and San Antonio, so pretty much the Texas triangle, and that clustering fact is everything for housing demand, yet at the same time, there are fully 75 Texas counties that are losing population, typically out in West Texas. Then there's Florida. Florida isn't just growing. It's replacing people. Florida's growth. It's not just net positive, it's replacement migration, and it's across all different types and ages. You've got retirees arriving, you've got young workers arriving, you've got young households forming, and you've got seniors aging in place. So this way, among a whole spectrum of ages, you've got demand for rentals, workforce housing, age specific, housing and multifamily all in Florida, and this is why Florida housing demand over the long term is not going to cool off the way that a few skeptics expect. Now, of course, some areas did temporarily overbuild in Florida in the years following the pandemic. Yes, that's led to some temporary Florida home price attrition, but that is going to be absorbed. California did not empty out. It reshuffled now. There were some recent years where California lost net population, but here's what that hides. Some metros lost residents. Others stayed flat. You had some income brackets that left California and others arrived. In fact, California has slight population growth today overall, so housing demand definitely did not vanish. It shifted within the state and then outward to nearby states, and that's how Arizona, Nevada and Texas benefited. But overall, California's population count, really, it's just pretty steady, not declining.   Keith Weinhold  39:05   population density. It's that density that predicts rent pressure better than growth rates. Do something really important for real estate investors. Dense metros absorb shocks better. They have less elastic housing supply, and they see faster rent rebounds. Sparse areas have cheaper land and easier supply expansion and weaker rent resilience. So that's why rents snap back faster in dense metros, and oversupply hurts more in spread out to regions. Density matters more than raw growth does. Shrinking states can still have tight housing I mean, some states lose population overall, but yet they still have housing shortages in certain metros, and you'll have tight rental markets near job centers, and you've got strong demand In limited sub markets, even if the state is shrinking. And I think you know this is why the slower growing Northeast and Midwest, they've had the highest home price appreciation in the past two years. There's not enough building there. If your population falls 1% but the available housing falls 2% well, you can totally get into a housing shortage situation, and that bids up real estate prices. And when people look at population charts on the state level, a lot of times, they still get misled. When you buy an investment property, you don't buy a state, you buy a specific market within it, so the United States is not full it is lopsided. The US is not overpopulated. It is heavily clustered. It's unevenly dense, and it's really driven by migration. And perhaps a better way to say it is that the US population is really opportunity concentrated housing demand follows jobs, networks, wages and migration flows. It sure does not follow empty land. And really the investor takeaway is, is that when you hear population stats, don't put too much weight on the question, is the population rising or falling? Although that's something you certainly want to know. Some better questions to ask are, where are households forming? Where are adults moving? Where is supply constrained? And where does income support, rent like those are, what four big questions there, because population alone does not create housing demand. It's households under constraint that do so. Our big arching overall question is the world overpopulated or underpopulated? The answer is neither. The world is unevenly populated. It's unevenly aged, and it's unevenly governed. And for real estate investors, the lesson is simple. You don't invest in population counts, you invest in household formation, age structure, migration and supply constraints. Really, that's a big learning summary for you, that's why housing demand can stay strong even when population growth slows. And once you understand that demographic headlines that seem scary aren't as scary, and they start to be more useful. Why I've wanted to do this overpopulated versus underpopulated episode for you for years. I've really thought about it for years. I really hope that you got something useful out of it. Let's be mindful of the context too. When it comes to the classic Adam Smith economics of supply demand, I've only discussed one side today, largely just the demand side and not the supply side so much that would involve a discussion about building and some more things that supply side. Now that I've helped you ask a better question about population and the future of housing demand, you might wonder where you can get better answers. Well, like I mentioned earlier, I provide a lot of that and help you make sense of it, both right here on this show and with my newsletter, geography is something that's more conducive and meaningful to you visually, that's often done with a map, and that's why my letter at greletter.com will help you more if you enjoy learning through maps, just like we've done every year since 2014 I've got 52 great episodes coming to you this year. If you haven't consider subscribing to the show until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  43:57   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 you   Keith Weinhold  44:25   The preceding program was brought to you by your home for wealth, building, get richeducation.com

    Explicitly Pro-Life
    "Christian" Schools Supporting Planned Parenthood and Our Annual Youth Poll Results | Ep. 47

    Explicitly Pro-Life

    Play Episode Listen Later Jan 26, 2026 45:33


    Welcome back to The Kristan Hawkins Show!   We have a lot on the docket today! We'll talk about:   - How many of America's Christian colleges and universities have ties to Planned Parenthood - New survey results we just released on how young VOTERS feel about abortion - The abortion funding showdown raging in Congress and the pro-life movement's unified message to President Trump that there is NO "flexibility" on taxpayer funded abortion - Heartbreaking news out of Wyoming, where activist Supreme Court judges have blocked crucial pro-life laws and declared abortion "healthcare" - The latest on SFLAction's Pregnant Students' Rights Act, which has been years in the making - Finally, we discuss the show, Stranger Things, and also reflect on Life comments from Pope Leo   Links:   TAKE ACTION at our Christian schools page: StudentsforLife.org/ChristianSchools   REVIEW the list of A+ Christian colleges on our map at: InstituteForProLifeAdvancement.org   FOLLOW our latest legislative progress at: StudentsForLifeAction.org   JOIN MY TEXT LINE:   Text "KRISTAN" to 53445 for daily pro-life updates from me.   Don't forget to like, subscribe, and share this episode to stay informed and spread the word!   Instagram:  https://www.instagram.com/kristanmercerhawkins/ X: https://x.com/KristanHawkins Facebook:   https://www.facebook.com/HawkinsKristan

    The Detroit Lions Podcast
    Daily DLP: Interview With Shrine Bowl's Owen Riese

    The Detroit Lions Podcast

    Play Episode Listen Later Jan 26, 2026 50:23


    Interview with Shrine Bowl's Owen Riese The Daily DLP from the Detroit Lions Podcast features Jeff Risdon interviewing Shrine Bowl assistant scouting director Owen Riese. The two break down former Lions offensive lineman Dan Skipper's quick change into coaching at the Shrine Bowl this week after retiring from Detroit last week. Skipper and the other coaches in Frisco have some interesting potential NFL Draft prospects to work with during the practices and Tuesday night's game at The Star. Among the players Riese provides excellent insider information on is Penn State offensive tackle Nolan Rucci, which leads into a good conversation about the point of diminishing returns for height on the offensive line. Some of the other prospects at the Shrine Bowl practices covered include the interior offensive line duo from Kentucky, Jager Burton and Josh Brown. Burton is a particularly good scheme fit for the Lions as a center. Duke's Brian Parker is transitioning from tackle to center and is off to a good start this week. Notre Dame's Aamil Wagner and Wyoming guard Caden Barnett also get their skills broken down, among some other NFL Draft prospects who have stood out. It's a lively conversation that goes into scouting talk and what teams might be looking for in different positions. https://www.youtube.com/watch?v=ZMtuGNnPK-o #detroitlions #lions #detroitlionspodcast #nfl #eastwestshrinebowl #danskipper #offensiveline #specialteams #swingtackle #uw-platteville #assistantdirectorofcollegiatescouting #ericgalco #turnersanger #arizonacardinalsassistantquarterbackscoach #pennstatetackle #nolanruchi #passprotection Learn more about your ad choices. Visit megaphone.fm/adchoices

    DayWeather Podcast
    DayWeather Regional Travel Forecast 1-26-2026

    DayWeather Podcast

    Play Episode Listen Later Jan 26, 2026 3:49


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    Fat Science
    Mailbag: Food Tracking, Mechanical Eating Troubleshooting, COVID & Metabolism, and Metformin + GLP-1 Synergy

    Fat Science

    Play Episode Listen Later Jan 26, 2026 41:22


    This week on Fat Science, Dr. Emily Cooper, Mark Wright, and Andrea Taylor answer listener mailbag questions from California, the UK, France, Washington, Wyoming, and beyond. The team breaks down why Dr. Cooper does not recommend calorie tracking (and when limited tracking can make sense), how to build confidence in eating without data, and why “mechanical eating” sometimes needs medical customization—especially for people with slow gut transit or gastroparesis-like symptoms. They also dig into bile acid malabsorption after gallbladder removal, when metformin side effects deserve a second look, what we currently know about COVID-19's potential impact on metabolic health, and why metformin and GLP-1 medications can be complementary—particularly in PCOS.Key Takeaways• Long-term calorie tracking can override physiologic cues and reinforce diet mentality.• Short-term, targeted tracking may be useful when guided by a clinician (e.g., nutrient deficiencies ).• Obesity and abnormal appetite are both manifestations of metabolic dysfunction—not simple cause and effect.• Mechanical eating is a framework, not a rigid rule—timing and food choices may need medical tailoring.• Post-gallbladder diarrhea may reflect bile acid malabsorption and can be treatable.• Metformin and GLP-1s often complement each other because they target different metabolic states (fasting vs fed).Dr. Cooper's Actionable Tips• Stop daily calorie counting—focus on consistent patterns and metabolic nourishment.• Use mechanical eating basics: eat every few hours, include all food groups, and reduce chemical additives when possible.• If you're transitioning away from tracking, consider a dietitian skilled in diet-mentality recovery.• If frequent eating worsens sleep or bloating, work with a medical dietitian to adjust intervals and food types (especially with slow GI transit).• If chronic diarrhea appears (especially after gallbladder removal), ask your clinician about bile acid malabsorption and treatment options.• Use labs to guide therapy: fasting insulin can signal metformin benefit; post-meal patterns can point toward GLP-1 needs.Notable Quote“Once you start using tracking to stay in a calorie range or a carbohydrate range, you're putting your brain in front of your physiologic intuition—your body is sending you important cues all the time.”—Dr. Emily CooperLinks & ResourcesThe Metabolic Links to PCOS, Release Date 2/24/25The COVID Connection to Diabetes & Metabolic Health, Release Date 12/16/24Podcast Home: https://fatsciencepodcast.com/Episode References: https://fatsciencepodcast.com/wp-content/uploads/2025/06/Scientific-References-Fat-Science-Episodes.pdfCooper Center: https://coopermetabolic.com/podcast/Resources from Dr. Cooper: https://coopermetabolic.com/resources/Submit a Question: questions@fatsciencepodcast.com*Fat Science: No diets, no agendas—just science that makes you feel better. This podcast is for informational purposes only and is not intended to be medical advice.

    The County 10 Podcast
    How the Wyoming Business Council supports Wyoming and Fremont County

    The County 10 Podcast

    Play Episode Listen Later Jan 26, 2026 23:35


    (Fremont County, WY)- In this episode of the County 10 Podcast, we are joined by Josh Dorell (Wyoming Business Council), Patrick Edwards (Wyoming Business Council – Fremont County), and Kevin Kershisnik (IDEA Inc.) for a conversation about what the Wyoming Business Council actually does, how it supports communities like ours, and why legislative support and funding decisions matter to Wyoming's future. Josh breaks down the Wyoming Business Council's mission…helping create a business-friendly landscape through smart policy, targeted investments, and infrastructure improvements that make it possible for businesses to start, expand, and stay in Wyoming. Kevin shares Fremont County success stories, including the impact of the Business Ready Community (BRC) Grant Program, and how strategic investments can help unlock local manufacturing and long-term job growth. Patrick brings it home with the real, on-the-ground support the Council provides to entrepreneurs. What stands out is the forward-looking mindset—investments, local wins, and a clear focus on what's next. It's a positive reminder that Wyoming has momentum, and Fremont County has opportunities ahead. If you'd like more information, contact the Wyoming Business Council. If you'd like to voice support for the continuation of the Business Council, reach out to your elected representatives as well.

    Sausage of Science
    SoS 265: Dr. Seth Quintus on Settlement Diversity and Ideology in Polynesia

    Sausage of Science

    Play Episode Listen Later Jan 26, 2026 49:34


    In this episode, hosts Chris and Courtney talk with Dr. Seth Quintus about his work in Sāmoa and Hawaiʻi, blending Polynesian archaeology, ethnohistory, and social theory. They discuss the value of four-field anthropology and collaboration, variation across Polynesian histories and ideologies, and common misconceptions about ancient Hawaiian political systems. Dr. Seth Quintus is a Pacific Island archaeologist and anthropology professor at the University of Hawai‘i. Coming from a long family line of teachers, Seth has carried that passion for learning and mentorship into his own career. He joined UH in 2016 and has built an impressive body of research exploring how people and environments have shaped one another across the Pacific. Originally from the Midwest, Seth has worked throughout the continental United States, including Montana, Wyoming, and North Dakota, as well as in Sāmoa, Hawai‘i, Tokelau, and New Zealand. Although his specialty is archaeology, he approaches his work as a broadly trained anthropologist who values integrating multiple subfields to better understand human history and cultural change. His research focuses on long-term human–environment relationships, using spatial, ecological, and geomorphological methods to study settlement systems and agriculture. He's particularly interested in how food production and environmental modification intersect with social and political change. Seth is also known for his commitment to teaching and community engagement. He partners with Kamehameha Schools, the National Park Service, and the National University of Sāmoa to involve students and community members in field research. In 2024, he received the College of Social Sciences Award for Excellence in Teaching. He earned his PhD in Anthropology from the University of Auckland, and his master's and bachelor's degrees from North Dakota State University, where he graduated magna cum laude. ------------------------------ Find the papers discussed in this episode: Quintus, S., Cochrane, E. E., Laumea, M., & Filimoehala, C. (2025). Assessing settlement diversity in Sāmoa. Journal of Island and Coastal Archaeology, 1–29. https://doi.org/10.1080/15564894.2025.2509519 ------------------------------ Contact Dr. Quintus: SQuintus@hawaii.edu ------------------------------ Contact the Sausage of Science Podcast and the Human Biology Association: Facebook: facebook.com/groups/humanbiologyassociation/, Website: humbio.org, Twitter: @HumBioAssoc Chris Lynn, Co-Host Website: cdlynn.people.ua.edu/, E-mail: cdlynn@ua.edu, Twitter:@Chris_Ly Courtney Manthey, Co-Host Website: holylaetoli.com/ E-mail: cpierce4@uccs.edu, Twitter: @HolyLaetoli Mecca Howe, SoS Producer, HBA Fellow LinkedIn: https://www.linkedin.com/in/mecca-howe/, Email: howemecca@gmail.com

    Dudes Like Us
    Episode 173.1: Sending Dick Pics, Iphone Issues, Challenge Coins, Coldest NFL Games, NFL Playoffs, ICE/Church Protest, Wyoming Private Stock SB

    Dudes Like Us

    Play Episode Listen Later Jan 26, 2026 73:09


    Episode 173.1: Sending Dick Pics, Iphone Issues, Challenge Coins, Coldest NFL Games, NFL Playoffs, ICE/Church Protest, Wyoming Private Stock SB

    The Tom Barnard Show
    Shacks in Wyoming and skyscrapers in Taipei - #2933

    The Tom Barnard Show

    Play Episode Listen Later Jan 23, 2026 75:46


    Would you pay $500,000 for a converted shack in the middle of nowhere? Would you accept $500,000 to climb a skyscraper with no ropes or nets? If you're a normal person, you answered 'no' to both of these. And you also didn't go hoard bread for this weekend. Because that is not a normal thing to do.Topics:Extreme coldKidnappersMinnesota US senate seatOscars seasonSkyscraper LiveReal estate in WyomingTarget lunaticsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Gays Reading
    What Are You Reading? feat. Nina McConigley

    Gays Reading

    Play Episode Listen Later Jan 23, 2026 33:19


    Host Jason Blitman sits down with author Nina McConigley (How to Commit a Postcolonial Murder) to talk about what she's been reading lately—beyond Eric Carle's The Very Lonely Firefly.Plus: head to the Gays Reading Substack to hear Nina talk about adapting Cowboys and East Indians for the stage, now playing at the Denver Center through March 1, 2026.NINA McCONIGLEY is the author of the story collection Cowboys and East Indians, which was the winner of the PEN/Open Book Award and the High Plains Book Award. She has received grants and fellowships from the NEA, the Radcliffe Institute, Bread Loaf, Vermont Studio Center, and the Sewanee Writers' Conference. She was a recipient of the Wyoming Arts Council's Frank Nelson Doubleday Memorial Writing Award and a finalist for a National Magazine Award for her columns in High Country News. Her work has also appeared in The New York Times, Orion, O: The Oprah Magazine, The Virginia Quarterly Review, Salon, among other outlets. Born in Singapore and raised in Wyoming, she now lives in Colorado.Sign up for the Gays Reading Book Club HERESUBSTACK! MERCH! WATCH! CONTACT! hello@gaysreading.com Hosted on Acast. See acast.com/privacy for more information.

    DayWeather Podcast
    DayWeather Regional Travel Forecast 1-23-2023

    DayWeather Podcast

    Play Episode Listen Later Jan 23, 2026 7:15


    Stay ahead of hazardous winter weather with our regional road and interstate forecast covering I-80, I-70, I-90, and I-25 across Wyoming, Nebraska, Montana, Colorado, and New Mexico. This daily 3 PM Mountain Time update (Monday through Friday, with weekend editions as needed) delivers the latest information on snow, ice, high winds, reduced visibility, and dangerous travel conditions. Designed for both the general public and commercial drivers, including long-haul truckers, our forecast highlights critical impacts to major freight corridors and holiday travel routes. If you depend on safe and efficient travel across the central and northern Rockies, this winter-weather road report helps you plan ahead, avoid delays, and stay informed.

    John Solomon Reports
    The Chris Wray Era: Unpacking the FBI's Weaponization and Civil Liberties Concerns

    John Solomon Reports

    Play Episode Listen Later Jan 22, 2026 35:02


    In this episode of John Solomon Reports, we delve into the significant legal battle as President Trump takes on JPMorgan Chase, suing the banking giant for $5 billion. The lawsuit alleges that Trump and his companies were unjustly debanked for political reasons, highlighting a troubling trend of financial institutions targeting individuals based on their political beliefs. We discuss the implications of this case and its potential to set a legal precedent for others facing similar challenges.As the conversation unfolds, we examine the tenure of FBI Director Chris Wray, reflecting on his nearly seven years in leadership and the continuation of controversies stemming from the Comey era. We explore the FBI's treatment of concerned parents at school board meetings and the classification of certain religious groups as domestic extremists. The episode raises critical questions about accountability and transparency within the FBI.We also cover the recent arrests made by Attorney General Pam Bondi regarding the disruption of a Christian church service in Minnesota, signaling a firm stance against attacks on places of worship. Bondi's actions reinforce the importance of protecting religious freedoms in America.Joining us this episode is Congresswoman Harriet Hageman from Wyoming, who shares her insights on the ongoing investigations and legislative actions pertaining to the current political climate. Additionally, we welcome Dr. Peter McCullough, a trusted medical expert, to discuss the MAHA movement and innovations in healthcare. Dr. McCullough also introduces a new product designed to aid recovery after intense workouts.Lastly, we feature Judd Saul, a courageous missionary advocating for Christians facing genocide in Nigeria. He provides a sobering update on the ongoing violence and persecution, emphasizing the urgent need for international attention and action.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Madigan's Pubcast
    Episode 257: Heated Rivalry, Grateful for Bob Weir, & Gen Z Picks a New Karen

    Madigan's Pubcast

    Play Episode Listen Later Jan 22, 2026 83:54


    INTRO (00:24): Kathleen opens the show drinking an Bluewing Berry Wheat Ale from Flyway Brewing Company in Little Rock, AR. She reviews her weekend in Hot Springs, AR hanging with race horses and eating the best pizza she's ever had in her life.    TOUR NEWS: See Kathleen live on her “Day Drinking Tour.”   TASTING MENU (2:39): Kathleen samples Mikey V's Ranch Flavored Fried Garlic and Frank's Red Hot Spicy Gummy Bears.   COURT NEWS (22:27): Kathleen shares news involving Dolly's 80th birthday, Martha Stewart launches a skin care line, Taylor Swift is the youngest inductee into the Songwriter's HOF, and Stevie Nicks adds to her 2026 Tour schedule.    UPDATES (32:44): Kathleen shares updates on Australia's new social media ban, Michael Jackson's Bubbles the Chimp is thriving in Florida,    FRONT PAGE PUB NEWS (45:39): Kathleen shares articles on the 10 rising restaurant chains that will take over in 2026, Oklahoma City Zoo's newly born langur, there's a mystery buyer who purchased a Wyoming ranch 4x the size of NYC, thousands of fans celebrate the life of Grateful Dead founder Bob Weir, Colorado moves forward with a plan to reintroduce wolverines into the wild, and Gen Z replaces problematic women referred to as “Karen” with “Jessica.”   HOLY SHIT THEY FOUND IT (41:35): Kathleen reads about an uncontacted South American tribe in the Amazon, and rare images of Europe's “ghost cat' are captured in the Doupov Mountains, Doomsday fish encountered in Monterey Bay.    WHAT ARE WE WATCHING (28:44): Kathleen recommends watching “Heated Rivalry” on HBO Max.    SAINT OF THE WEEK (1:20:16): Kathleen reads about St. Andrew, patron saint of Scotland and golfers.   

    Epic Outdoors Podcast
    EP 377: Wyoming and Arizona Big Game Breakdown, Q&A Part 3, a Yukon Dall Sheep and a 400" Arizona Bull

    Epic Outdoors Podcast

    Play Episode Listen Later Jan 22, 2026 82:02


    This episode is packed with western big game information and kill stories. First we break down some of the information contained in our January magazine about Wyoming and Arizona elk and antelope. Then we call A.W. Manning, an Epic hunt winner, from 2023, who won the exact same Dall Sheep hunt we're giving away right now.  After that, we call Connor Paffrath, who lucked out with an incredible Arizona bull tag and was able to make it happen on a huge bull.

    Fresh Life Church
    Get Out Of Your Own Way

    Fresh Life Church

    Play Episode Listen Later Jan 19, 2026 53:23


    In this message from Pastor Levi Lusko, we talk about the hidden spiritual strongholds that quietly hold us back from the life God wants for us.Using Jesus' words in Matthew 12, learn how the enemy works through division, deception, and distorted thinking to build strongholds in our minds and hearts. Strongholds always start small, but if left unchecked, they grow until they block our vision, limit our freedom, and steal our peace.This message will help you:Identify the strongholds that may be shaping your thoughts and behaviorsUnderstand why you can't live right if you don't think rightLearn how spiritual strongholds are demolished and replaced with truthYou don't have to stay stuck. You don't have to keep fighting the same battles. And you don't have to live divided within yourself. It's about time the strongholds came down.NEXT STEPS:Ask for prayer or connect with a pastor: https://freshlife.church/contactRegister your decision to follow Jesus and receive free resources: https://freshlife.church/know-godGive a financial gift to support what God is doing as we take steps forward to see the Gospel reach far and wide: https://freshlife.church/giveSUBSCRIBE:Sign up to receive encouragement straight to your inbox, and to stay up to date with announcements, events, and more: https://church.us13.list-manage.com/subscribe?u=6ea4d82b2567db3e86b7767cd&id=451f2fe63eDon't miss a video! Subscribe on YouTube: https://www.youtube.com/c/freshlifechurch?sub_confirmation=1CONNECT ON SOCIALS:Website: https://freshlife.churchInstagram: https://www.instagram.com/freshlifeFacebook: https://www.facebook.com/freshlifechurchTwitter: https://www.twitter.com/freshlifeYoutube: https://youtube.com/c/freshlifechurch/Fresh Life Church was pioneered by Pastors Levi and Jennie Lusko in 2007. We exist to see those stranded in sin find life and liberty in Jesus Christ. Today Fresh Life's ministry impacts people with the radical, life-changing message of Jesus' grace, spilling across Montana, Oregon, Utah, Wyoming, and Idaho… and beyond.