Podcasts about Zip

Joey P. welcomes guest Matthew Betz (FFBallers) to discuss the options for Week 13 in NFL DFS! Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Beachbound - BeachBound is an online travel agency with expertise in worldwide beach vacations and experiences. They are re-inventing beach travel. With BeachBound.com, customers can book worldwide beach vacations including flights, hotels, transfers and excursions. They are a one-stop travel shop. Visit beachbound.com to book your next beach vacation. What are you bound for? FanDuel - Get a 20% bonus on your first deposit — up to $500 — when you sign up at fanduel.com/fantasypros or when you download the FanDuel fantasy app and use the code FANTASYPROS.

NEWS SOURCES: https://lmg.gg/vZCLI 0:00 James the Genie 0:11 RTX 40 Series?? 1:24 Pixel 6 pickiness 2:25 New Qualcomm stuff 3:13 Drop Sennheiser HD 8XX Headphones 3:41 QUICK BITS 3:47 Twitter + Twitch vs trolls 4:20 Edge users revolt over Zip 4:47 Meta told to sell Giphy 5:18 Living, reproducing robots (not) 5:51 Sperm plastic. Come on

We check in on the latest developments from autonomous vehicle company Nuro, we review the reactions to Microsoft’s integration of the Buy Now, Pay Later service Zip into Edge web browser, and how is Meta responding to concerns of child safety advocates about end to end encryption on WhatsApp. Starring Tom Merritt, Sarah Lane, ScottContinue reading "Microsoft Puts Their Customers on Edge – DTNS 4162"

We check in on the latest developments from autonomous vehicle company Nuro, we review the reactions to Microsoft’s integration of the Buy Now, Pay Later service Zip into Edge web browser, and how is Meta responding to concerns of child safety advocates about end to end encryption on WhatsApp. Starring Tom Merritt, Sarah Lane, Scott Johnson, Roger Chang, Joe, Amos MP3 Download Using a Screen Reader? Click here Multiple versions (ogg, video etc.) from Archive.org Follow us on Twitter Instgram YouTube and Twitch Please SUBSCRIBE HERE. Subscribe through Apple Podcasts. A special thanks to all our supporters–without you, none of this would be possible. If you are willing to support the show or to give as little as 10 cents a day on Patreon, Thank you! Become a Patron! Big thanks to Dan Lueders for the headlines music and Martin Bell for the opening theme! Big thanks to Mustafa A. from thepolarcat.com for the logo! Thanks to our mods Jack_Shid and KAPT_Kipper on the subreddit Send to email to feedback@dailytechnewsshow.com Show Notes To read the show notes in a separate page click here!

A KPBS analysis of police records shows more than two-thirds of use-of-force incidents over a 15-year period occurred in ZIP codes south of Interstate 8. And nearly a quarter were concentrated in just a handful of neighborhoods in the southeast part of the city. Meanwhile, as the Biden administration plans a re-start of the controversial Remain in Mexico program that sends asylum seekers back across the border, immigrant advocates are split over whether or not to help. Plus, KPBS speaks with Cynthia Paes now that she's been officially confirmed as the new San Diego registrar of voters.

Joe, Dan, and Yates discuss the waiver wire adds and drops for Week 12 of the fantasy football season. Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. DraftKings - The Official Daily Fantasy Partner of the NFL -- is putting you in the center of the action for Week 4. Download the DraftKings app NOW and use code FANTASYPROS. This week, new customers can get a free shot at MILLIONS of dollars in total prizes. Enter code FANTASYPROS to get a FREE shot at MILLIONS in total prizes with your first deposit! Kraken - If you're interested in investing in cryptocurrencies but aren't sure where to get started, check out the Kraken app. Visit kraken.com/fantasypros now to learn more or search for "Kraken" in the app store. Timestamps: Top Waiver Pickups - 0:04:58 Ty Johnson - 0:05:10 Qadree Ollison - 0:07:45 Latavius Murray - 0:09:52 Tevin Coleman - 0:14:16 Rex Burkhead - 0:15:59 Dontrell Hilliard - 0:16:53 Marquez Valdes-Scantling - 0:20:57 Jamison Crowder - 0:25:10 Robby Anderson - 0:27:23 Nick Westbrook-Ikhine - 0:30:49 CHI DST - 0:33:23 Tre'Quan Smith - 0:35:33 Rondale Moore - 0:40:39 Cedrick Wilson - 0:43:21 Marquise Goodwin - 0:46:21 Daniel Jones - 0:47:30 Mac Jones - 0:49:46 Adam Trautman - 0:51:10 Logan Thomas - 0:52:29 Top 5 Waiver Wire Rankings - 0:53:56 K Streamers - 0:56:25 Michael Badgley - 0:56:40 Keep or Drop - 0:57:21 Russell Gage - 0:58:24

This episode is brought to you by the Blue Cross Blue Shield Association. Blue Cross and Blue Shield companies are in every ZIP code in every state, working to improve health and expand access to care. Community by community. For the health of America. I'm joined today by the top leadership of Seniorlink, an innovative company that provides coaching, emotional and financial support for families caring for loved ones.  Tom Riley serves as CEO, and Matt Marek is the President and Chief Operating Officer.  Together, they are working with Medicaid-eligible and Medicare Advantage members who want an alternative to nursing home care.  Seniorlink supports and provides the needed tools to the millions of family caregivers who are key to keeping their loved ones healthy and cared for in the home setting.    With November being National Family Caregivers Month, our discussion today is both timely and needed. 

Segment 1: NFL Week 10. Lakers on the struggle bus. The 49ers take the Rams to the woodshed. Identity and attitude games. Ghosts of Detroit - the Matt Stafford question, pretzel tossing, SDM stat padding, and winning when it matters. Colts – Jags, Jonathan Taylor dap, and the Agnew TD machine. The atrocious Jets defense, Rex Ryan pops off, and Dykstra cheeseburgers. Frank Gore straps up the boxing gloves. Bills – Jets and a get right game. Titans – Saints, Mark Ingram sets records, and the Titans keep finding ways to win. The Derrick Henry question.  Sad Mets fans as Noah Syndergaard signs with the Angels. A Takeo Spikes rewind. Duke DWI knuckleheads.  The Cowboys beat down the Falcons and the 28-3 troll job continues. The heinous Steelers – Lions tie of BSE. QB speculation, Rodgers, Wilson, and the legacy question. Segment 2 (1.16.03): NFL Week 10 round up. Jager Bomb Tuesdays, FTW! The Twitter Terminator chest chop of fail and a saucy WaWa run. The double whammy Internet and power outage podcast split. Patriots – Falcons. Salud o'clock. The wrong kind of live streamer - Brass Against golden showers (1.35.13). Let it flow, SATC revival, chasing waterfalls, R. Kelly says hi, and songification shenanigans. WFT takes down the Bucs. Zip line time! Packers – Seahawks. Packers D trending up, Wilson's first shut out, and AJ Dillon muscles up. The OBJ question. Chiefs – Raiders. DJax spin o' fail, Chiefs get aggressive, and Mahomes pops off. Looking forward to Chiefs – Cowboys. Patriots – Browns beatdown and the rise of Mac Jones. Vikings – Chargers. Panthers – Cardinals and the return of Cam Newton. WFT – Carolina Rivera reunion. Eagles – Broncos and Teddy B's business decision. NCAAF round up, CFP chatter, Kansas upsets Texas, and Fuente gets das boot from VT. Wrap up and some bork, bork, bork!    MP3 format, 11-19-2021. This is how we Brew it: Join the Brew Crew on Facebook @SportsBrew Twitter: vasportsbrew Find us on Podbean, iTunes, Stitcher Radio, LiveSportscaster.com, Amazon Music, and the Google Play Store - Key words: Sports Brew Cheers and beers flavored by Captain Morgan 100 Proof, Jack Daniel's, Coca-Cola, El Segundo Brewing's Stone Cold Steve Austin's Broken Skull IPA, Dancing Kilt Goldfinch Belgian Ale, Dancing Kilt Ursa Patter Chocolate Cherry Milk Stout, Campanology Brewing's Tiramisu Pastry Stout, Victory Brewing's Merry Monkey Holiday Ale, Allagash Brewing's River Trip, and the general deliciousness of beer.

Joey P. welcomes guest John Hesterman (FantasyPros) to discuss the options for Week 11 in NFL DFS! Sponsors: Beachbound - BeachBound is an online travel agency with expertise in worldwide beach vacations and experiences. They are re-inventing beach travel. With BeachBound.com, customers can book worldwide beach vacations including flights, hotels, transfers and excursions. They are a one-stop travel shop. Visit beachbound.com to book your next beach vacation. What are you bound for? TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS.  

Marijana Šarolić Robić je pravnica koja se našla u svijetu startupa. Kroz iskustvo u počecima ZIP-a, to je Zagrebački Inkubator Poduzetništva, je došla u dodir i ostala uz dinamičan i entuzijastičan svijet pokretača potencijalno globalnih firmi. Njena karijera u korporativnom pravu, pogotovo u temama koje su bliske IT-u i međunarodnim ugovorima ju čini dobrim sugovornikom upravo za startupe. Razgovarali smo o tome kako je došla do toga da se bavi startupima, koliko je naš pravni sustav nazadan ne samo u kontekstu startupa nego u kontekstu prava kao struke, te da li se ipak mogu prevesti koncepti koji su česti u ugovorima sa stranim investitorima u nešto što je prihvatljivo domaćem pravu. Podržite Surove Strasti na Patreonu, to je platforma gdje možete odrediti da se svaki mjesec automatski izdvoji neki iznos, na primjer 10-tak eura za Surove Strasti. To nije veliki iznos - možda jedna pizza s pićem mjesečno, a nama puno znači. I dalje traje prilika da ostvarite pogodnosti ako se prijavite na platformu Finax putem koje možete planirati zaradu ili mirovinu putem investiranja u fondove na burzama vrijednosnica! Kliknite na link na naslovnici našeg weba surovestrasti.com. PREPORUKE ZA LAKŠE I UGODNIJE SLUŠANJE PODCASTA Tri načina kako slušati podcast Kako slušati podcast u autu koji nema Mp3 player Top lista najslušanijih epizoda Za lektire Surovih Strasti, edukacijske sadržaje i za potporu onom što radimo, posjetite našu platformu Surove Strasti Academy.

From this week, Australians will be able to use Afterpay to pay for food and beverages at 160 pubs and restaurants around the country. The hospitality group Australian Venue Co has partnered with Afterpay to launch "Dine Now, Pay Later". But that's sparked concern for budgeting service providers on both sides of the Tasman, who are already worried about increased debt as a result of Buy Now, Pay Later services like Afterpay, Humm, Zip and Laybuy.

COVID Key Indicators edge back within a point of Stage 3 - no official reduction to Stage 2 is likely soon - while current COVID hospitalizations across the state drop below 1,000, and a new map shows vaccination rates by ZIP code. Matthew McConaughey draws criticism for casting doubt upon vaccines for younger kids. Another interactive map shows how the various Austin precincts supported or rejected Prop A. Jose "Chito" Vela III announces a run for the soon-to-be-vacant District 4 seat currently held by Greg Casar. New conspiracy charges are filed in the Javier Ambler III police-involved death case. Austin may be facing a waste collection service interruption due to a lack of drivers. The operator of 19 local Dairy Queen stores has been forced to pay hundreds of thousands of dollars in back wages owed to 31 of its managers. Texas Longhorns basketball kicks off impressively for both men's and women's teams in their last-ever season openers at the Frank Erwin Center. Juiceland marks 10 years with a new CEO and a menu expansion. Distant Relatives BBQ is named one of Eater.com's 11 Best New Restaurants in America. And organizers of the cancelled Veteran's Day Parade decline an offer to gather at the Capitol, while organizers of the 37th Street Christmas Lights announce an opening night of December 10.

Joe, Dan and Andrew Erickson discuss the waiver wire adds and drops for Week 10 of the fantasy football season. Sponsors: Firstleaf - Firstleaf is a wine club that curates and ships wines that are perfect for you. Join today and you'll get 6 bottles of wine for $29.95 and free shipping! Just go to tryfirstleaf.com/fantasypros TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Timestamps: Jordan Love - 0:03:28 KC Woes - 0:04:23 Travis Kelce - 0:05:10 Waiver Wire Pickups - 0:08:21 Rhamondre Stevenson - 0:09:34 Brandon Bolden - 0:13:23 Ty Johnson - 0:15:14 Jordan Howard - 0:20:42 D'Onta Foreman - 0:22:16 Le'Veon Bell - 0:24:54 Eno Benjamin - 0:25:24 BAL RBs - 0:28:24 Brandon Aiyuk - 0:32:32 Rashod Bateman - 0:37:16 Lamar Jackson - 0:40:10 Elijah Moore - 0:40:58 Tim Patrick - 0:43:48 Michael Gallup - 0:47:59 Tyler Johnson - 0:49:01 Ben Roethlisberger - 0:49:48 Teddy Bridgewater - 0:50:24 Trey Lance - 0:51:07 Tyler Conklin - 0:52:05 Dan Arnold - 0:52:29 Logan Thomas - 0:52:53 Top 5 Waiver Wire Pickups - 0:53:33 DST & K Streamers - 0:54:58 TEN DST - 0:54:58 LV DST - 0:56:43 Greg Joseph - 0:57:13 Randy Bullock - 0:57:36 Ryan Succop - 0:57:51 Mike Badgley - 0:58:08 Keep or Drop - 0:58:38 Mecole Hardman - 0:58:52 Latavius Murray - 0:59:20 Randall Cobb - 1:00:14

Fitbit was founded in 2007, originally as Healthy Metrics Research, Inc, by James Park and Eric Friedman. They had a goal to bring fitness trackers to market. They didn't invent the pedometer and in fact wanted to go far further. That prize goes to Abraham-Louis Perrelet of Switzerland in 1780 or possibly back to da Vinci. And there are stories of calculating the distance armies moved using various mechanisms that used automations based on steps or the spinning of wagon wheels. The era of wearables arguably began in 1953 when the transistor radio showed up and Akio Morita and Masaru Ibuka started Sony. People started to get accustomed to carrying around technology. 1961 and Claude Shannon and Edward Thorp build a small computer to time when balls would land in roulette. Which they put in a shoe. Meanwhile sensors that could detect motion and the other chips to essentially create a small computer in a watch-sized package were coming down in price. Apple had already released the Nike+iPod Sports Kit the year before, with a little sensor that went in my running shoes. And Fitbit capitalized on an exploding market for tracking fitness. Apple effectively proved the concept was ready for higher end customers. But remember that while the iPod was incredibly popular at the time, what about everyone else? Park and Friedman raised $400,000 on the idea in a pre-seed round and built a prototype. No, it wasn't actually a wearable, it was a bunch of sensors in a wooden box. That enabled them to shop around for more investors to actually finish a marketable device. By 2008 they were ready to take the idea to TechCrunch 50 and Tim O'Reilly and other panelists from TechCrunch loved it. And they picked up a whopping 2,000 pre-release orders. Only problem is they weren't exactly ready to take that kind of volume. So they toured suppliers around Asia for months and worked overtime in hotel rooms fixing design and architecture issues. And in 2009 they were finally ready and took 25,000 orders, shipping about one fifth of them. That device was called the Fitbit Tracker and took on a goal of 10,000 steps that became a popular goal in Japan in the 1960s. It's a little money-clip sized device with just one button that shows the status towards that 10,000 step goal. And once synchronized we could not only see tons of information about how many calories we burned and other statistics but we could also see Those first orders were sold directly through the web site. The next batch would be much different, going through Best Buy. The margins selling directly were much better and so they needed to tune those production lines. They went to four stores, then ten times that, then 15 times that. They announced the Fitbit Ultra in 2011. Here we got a screen that showed a clock but also came with a stopwatch. That would evolve into the Fitbit One in 2012. Bluetooth now allowed us to sync with our phones. That original device would over time evolve to the Zip and then the Inspire Clip. They grew fast in those first few years and enjoyed a large swathe of the market initially, but any time one vendor proves a market others are quick to fast-follow. The Nike Fuelband came along in 2012. There were also dozens of cheap $15 knock-offs in stores like Fry's. But those didn't have nearly as awesome an experience. A simple experience was the Fitbit Flex, released in 2013. The Fitbit could now be worn on the wrist. It looked more like the original tracker but a little smaller so it could slide in and out of a wristband. It could vibrate so could wake us up and remind us to get up and move. And the Fitbit Force came out that year, which could scroll through information on the screen, like our current step count. But that got some bad press for the nickel used on the device so the Charge came out the next year, doing much of the same stuff. And here we see the price slowly going up from below a hundred dollars to $130 as new models with better accelerometers came along. In 2014 they released a mobile app for all the major mobile platforms that allowed us to track devices through Bluetooth and opened up a ton of options to show other people our information. Chuck Schumer was concerned about privacy but the options for fitness tracking were about to explode in the other direction, becoming even less private. That's the same year the LG G Watch came out, sporting a Qualcomm Snapdragon chip. The ocean was getting redder and devices were becoming more like miniature computers that happened to do tracking as well. After Android Wear was released in 2014, now called Wear OS, the ocean was bound to get much, much redder. And yet, they continued to grow and thrive. They did an IPO, or Initial Public Offering, in 2015 on the back of selling over 21 million devices. They were ready to reach a larger market. Devices were now in stores like Walmart and Target, and they had badges. It was an era of gamification and they were one of the best in the market at that. Walk enough steps to have circumnavigated the sun? There's a badge for that. Walk the distance of the Nile? There's a badge for that. Do a round trip to the moon and back? Yup, there's a badge for that as well. And we could add friends in the app. Now we could compete to see who got more steps on the day. And of course some people cheated. Once I was wearing a Fitbit on my wrist I got 60,000 steps one day as I painted the kitchen. So we sometimes didn't even mean to cheat. And an ecosystem had sprung up around Fitbit. Like Fitstar, a personal training coach, which got acquired by Fitbit and rebranded as Fitbit Coach. 2015 was also when the Apple Watch was released. The Apple Watch added many of the same features like badges and similar statistics. By then there were models of the Fitbit that could show who was calling our phone or display a text message we got. And that was certainly part of the Wear OS for of Android. But those other devices were more expensive and Fitbit was still able to own the less expensive part of the market and spend on R&D to still compete at the higher end. They were flush with cash by 2016 so while selling 22 million more devices, they bought Coin and Pebble that year, taking in technology developed through crowdfunding sources and helping mass market it. That's the same year we got the Fitbit Alta, effectively merging the Charge and Alta and we got HR models of some devices, which stands for Heart Rate. Yup, they could now track that too. They bought Vector Watch SRL in 2017, the same year they released the Ionic smartwatch, based somewhat on the technology acquired from Pebble. But the stock took a nosedive, and the market capitalization was cut in half. They added weather to the Ionic and merged that tech with that from the Blaze, released the year before. Here, we see technology changing quickly - Pebble was merged with Blaze but Wear OS from Google and Watch OS from Apple were forcing changes all the faster. The apps on other platforms were a clear gap as were the sensors baked into so many different integrated circuit packages. But Fitbit could still compete. In 2018 they released a cheaper version of the smartwatch called the Versa. They also released an API that allowed for a considerable amount of third party development, as well as Fitbit OS 3. They also bought Twine Health in 2018 Partnered with Adidas in 2018 for the ionic. Partnered with Blue Cross Blue Shield to reduce insurance rates 2018 released the Charge 3 with oxygen saturation sensors and a 40% larger screen than the Charge 2. From there the products got even more difficult to keep track of, as they poked at every different corner of the market. The Inspire, Inspire HR, Versa 2, Versa Lite, Charge 4, Versa 3, Sense, Inspire 2, Luxe. I wasn't sure if they were going to figure out the killer device or not when Fitbit was acquired by Google in 2021. And that's where their story ends and the story of the ubiquitous ecosystem of Google begins. Maybe they continue with their own kernels or maybe they're moving all of their devices to WearOS. Maybe Google figures out how to pull together all of their home automation and personal tracking devices into one compelling offer. Now they get to compete with Amazon who now has the Halo to help attack the bottom of the market. Or maybe Google leaves the Fitbit team alone to do what they do. Fitbit has sold over 100 million devices and sports well over 25 million active users. The Apple Watch surpassed that number and blew right past it. WearOS lives in a much more distributed environment where companies like Asus, Samsung, and LG sell products but it appears to have a similar installation base. And it's a market still growing and likely looking for a leader, as it's easy to imagine a day when most people have a smart watch. But the world has certainly changed since Mark Weiser was the Chief Technologist at the famed Xerox Palo Alto Research Center, or Xerox Parc in 1988 when he coined the term "ubiquitous computing.” Technology hadn't entered every aspect of our lives at the time like it has now. The team at Fitbit didn't invent wearables. George Atwood invented them in 1783. That was mostly pulleys and mechanics. Per V. Brüel first commercialized the piezoelectric accelerometer in 1943. It certainly took a long time to get packaged into an integrated circuit and from there it took plenty of time to end up on my belt loop. But from there it took less than a few years to go on my wrist and then once there were apps for all the things true innovation came way faster. Because it turns out that once we open up a bunch of APIs, we have no idea the amazing things people use with what then go from devices to platforms. But none of that would have happened had Fitbit not helped prove the market was ready for Weiser's ubiquitous computing. And now we get to wrestle with the fallout while innovation is moving even faster. Because telemetry is the opposite of privacy. And if we forget to protect just one of those API endpoints, like not implementing rate throttling or messing up the permissions, or leaving a micro-service open to all the things, we can certainly end up telling the world all about things. Because the world is watching, whether we think we're important enough to watch or not.

The Predator drone made a dramatic transformation from unarmed reconnaissance vehicle to lethal weapon in 2001, just after 9/11. On this episode, Steven talks to retired Air Force officer and pilot Scott Swanson, who was part of the team tasked with using the Predator to hunt down Osama Bin Laden and other terrorist leaders in Afghanistan. Listen to new episodes 1 week early and ad free, and access exclusive seasons of American Innovations with Wondery+. Join Wondery+ for exclusives, binges, early access, and ad free listening. Available in the Wondery App https://wondery.app.link/innovations.Support us by supporting our sponsors!Zip Recruiter - Go to ziprecruiter.com/AI to try Zip recruiter for free.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"Frogs For Snakes" is an indie comedy/thriller written and directed by Amos Poe who likes to make weird films. This film is from 1998 but has serious 1993 vibes. "Frogs for Snakes" follows Eva, an out of work actress that also does a bit of debt collection for her ex husband, Al, a famous and violent producer. She hangs out with a lot of her actor friends at a diner where many of them break off into random monologues from various plays and films. John Leguizamo plays Zip, Eva's new boyfriend. Like Eva, he is also a struggling actor who is very good at sex and being sexy. He is in one scene before he is shot and killed by another struggling actor who wants to prove is worth to Al so that he'll cast him in his new show. Insane. See acast.com/privacy for privacy and opt-out information.

Author of The Kissing Booth, Beth Reekles, joins Schubes to discuss our heroes' trip to the Garden Gnome Emporium in Percy Jackson and the Lightning Thief! Topics include: Overachieving in school, translations, Halloween costumes, Lizzie McGuire, regional fast food, “yes and”, thematic insults, Hindsight Percy, ear vitamins, garden orbs, Pompeii, “in English, please?!”, The Red Baron, bodega bags, ZIP codes, “per my previous email,” CSI Miami, and more!Thanks to our sponsor, Realm. Listen to Orphan Black: The Next Chapter at realm.fm— Find The Newest Olympian Online —• Website: https://thenewestolympian.com• Patreon: https://thenewestolympian.com/patreon• Twitter: https://twitter.com/newestolympian• Instagram: https://instagram.com/newestolympian• Facebook: https://www.facebook.com/newestolympian— Production —• Creator, Host, Producer, Social Media, Web Design: Mike Schubert (https://schub.es)• Editor: Sherry Guo• Music: Bettina Campomanes and Brandon Grugle• Art: Jessica E. Boyd— About The Show —Is Percy Jackson the YA series we should've been reading all along? Join Mike Schubert as he reads through the books for the first time with the help of longtime PJO fans. Whether you're looking for an excuse to finally read these books, or want to re-read an old favorite with a digital book club, grab your blue chocolate chip cookies and listen along. New episodes of The Newest Olympian every Monday!

Joey P., Dan, and Yates discuss the waiver wire adds and drops for Week 8 of the fantasy football season. Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Jock Market - The app where daily fantasy becomes a stock exchange. Buy and sell shares of players in real time, for real money. Download Jock Market in the App or Play Stores, or check out Jockmkt.com and use code "PROS" for a 100% deposit match up to $50 on your first deposit. Pristine Auction - Get the best deals in sports memorabilia including signed helmets and custom jerseys with guaranteed authenticity. Enter registration code "FantasyPros" when you sign up to receive a free $5 credit. Timestamps: Waiver Wire Pickups - 0:05:23 Kenneth Gainwell - 0:05:23 Rashaad Penny - 0:10:26 Miles Sanders - 0:12:00 Laviska Shenault - 0:16:30 Rashod Bateman - 0:18:09 Michael Gallup - 0:20:10 Russell Gage - 0:21:58 Dalton Schultz - 0:23:56 Rashod Bateman - 0:27:55 Will Fuller - 0:28:58 Allen Lazard - 0:30:56 Kendrick Bourne - 0:31:46 Jamal Agnew - 0:32:18 K.J. Osborn - 0:32:48 Tre'Quan Smith - 0:33:58 Deshaun Watson - 0:34:58 Daniel Jones - 0:35:49 C.J. Uzomah - 0:39:41 Robert Tonyan - 0:40:46 Top 5 Waiver Wire Pickups - 0:43:05 Trevor Lawrence - 0:44:04 DST & K Streamers - 0:44:42 CIN DST - 0:44:42 Jason Myers - 0:47:08 Keep or Drop - 0:48:58 Robby Anderson - 0:48:58 Rhamondre Stevenson - 0:50:40 DeVante Parker - 0:51:52 Sony Michel - 0:52:40 Nyheim Hines - 0:53:19 Jonathan Taylor - 0:54:18

Official Website: https://www.lawabidingbiker.com Recently Patron Member Brad Johnston went through an exploration of progressive motorcycle jackets. Along the road, he realized it wasn't a destination to happiness for him.  He realized he was not the only one to head down that road, after all, bikers are all a lot more alike than different.  Brad hopes that by hearing his story, he helps bikers realize they are not alone. This is part of his contribution as a biker helping other bikers.   Brad actually wrote a detailed article with links to all the gear we talk about in this episode! SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE Here is an excerpt from Brad's article: "With my first Harley, I purchased a very progressive 4 season motorcycle jacket.  The FXRG Switchback jacket.  Zip-off leather panels left it as a mesh jacket and it had zip-out rain and thermal liners.  I also ride with a Scorpion flannel with built-in kevlar panels in impact areas and pockets for armor.  All filled with D30 CE level 1 armor.  Two years ago I picked up a Street and Steel jacket that is textile and a hard finish.  It looks just like the black hard-finished fleece jackets that are so popular in the spring and fall here in the northwest.  The real difference is that it has pockets for armor and vents under the armpits.  It has been a fantastic lightweight jacket.   CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! Recently, the zipper broke on my FXRG jacket.  Because of the lifetime warranty on FXRG gear, the zipper is going to get replaced.  It got me shopping for a new progressive jacket though.  Over the last month, I have done a lot of looking and I have done some soul searching.  The conclusions I came to may be relevant to others."   READ MORE ==>  NEW FREE VIDEO RELEASED: I Just Bought & Rode My First Adventure Motorcycle? Am I Hooked? Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Sponsor-RickRak CLICK HERE The Ultimate Motorcycle Luggage Rack Solution Forget those messy straps and bungee cords Go strapless with a RickRak quick attach luggage system & quality bag Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion? New Patrons: Michael Cuomo of Pelham, NH Tony Luciani of Merritt Island, FL Michael Jackson of Vestavia Hills, AL Kevin Ferguson of Branchland, West Virginia Lane Gustafson of Arlington, WA  Matthew Liotta of Parin, Tennessee LeRoy Edward  Gary Lofton of Olivebranch, Mississippi Ron Settle of Tucson, Arizona Larry Johnson of Calgary, Alberta, Canada Jeff Carter of Tolleson, Arizona RICHARD VONDERLAGE of Omaha, Nebraska If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Thanks to the following bikers for supporting us via a flat donation: Lynn Santosuosso of Barrington, NH Michael Lysik of Yorba Linda, CA RODNEY CARRICO _______________________________________________________ FURTHER INFORMATION:   Official Website: http://www.LawAbidingBiker.com   Email & Voicemail: http://www.LawAbidingBiker.com/Contact   Podcast Hotline Phone: 509-731-3548 HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker

Dan and Pat react to Week 7's NFL action and recap each Sunday afternoon game! Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Jock Market - The app where daily fantasy becomes a stock exchange. Buy and sell shares of players in real time, for real money. Download Jock Market in the App or Play Stores, or check out Jockmkt.com and use code "PROS" for a 100% deposit match up to $50 on your first deposit. Pristine Auction - Get the best deals in sports memorabilia including signed helmets and custom jerseys with guaranteed authenticity. Enter registration code "FantasyPros" when you sign up to receive a free $5 credit. Timestamps: Trust or Bust - 0:02:18 I'm Confused By Your Opinion, Sir - 0:07:09 Marquise Brown - 0:09:19 KC vs. TEN - 0:12:21 WAS vs. GB - 0:19:22 CIN vs. BAL - 0:26:48 CAR vs. NYG - 0:36:26 ATL vs. MIA - 0:41:21 NYJ vs. NE - 0:47:52 PHI vs. LV - 0:51:16 DET vs. LAR - 0:55:34 CHI vs. TB - 1:01:18 HOU vs. ARI - 1:04:44

CoCoTALK! Episode 234 - Run Dino Run Results 00:00:00 -Start/Intro 00:05:38 -Start of the show, with Special Guest Host Stevie! 00:05:55 -Panel Introductions 00:10:20 -CoCoThoughts by Samuel Gimes... 00:11:00 -Thoughts and opinions of Samuel Gimes... 00:11:18 -Paul 'Dino' F's programmers escaping 00:12:08 -Game On! Results, With Ken of Canadian Retro Things 00:14:30 -Game On! discussion With Ken 00:45:00 -Game On! Game for next week, Featuring Ken of Canadian Retro Things 00:49:19 -Game On! Challenge LIVE! Report 00:54:04 -Best part of the show! 00:54:28 -Whose New to Discord this Week! 00:56:30 -De Ja Moo! 00:59:59 -Game On! News, with L. Curtis Boyle 01:00:30 -Game On! News} Tony Jewell/FBDG- photos from the Retro Computer Festival in Cambridge 01:01:48 -Game On! News} Jim Gerrie/YT- Greg Dionne's Tetris 01:04:35 -Game On! News} Glen Hewlett- updated blog/video about his Robotron transcode/port 01:08:30 -Game On! News} Steve Bamford/WOD- update to Circe's Island game 01:09:52 -Game On! News} David Mitchell/YT- typed in the game "Explosion" from the book "Terrific Games for Your Tandy Color", and added improvements 01:14:20 -Game On! News} Christopher English/FBCG- posted about two game packages he wrote and had reviewed in the March 1990 issue of Rainbow (Arcade Action Packs Volumes 1&2)... 01:16:45 -Game On! News} Neb6/YT- Glen Hewlett's Joust on real hardware 01:17:17 -Game On! News} LRU's Outrageous Gaming Project/YT- posted several videos of the game Jet Boot Colin and caparison video of Jeff Minter's Gridrunner on various platforms 01:23:10 -Game On! News} TGP Highscore Runs/YT- Dragon 32 gameplay of 3D Seiddab Attack 01:27:00 -End of Line for... Game On! News, with L. Curtis Boyle 01:28:08 -News, with L. Curtis Boyle **CoCo/General News** 01:28:28 -CoCo News} John Strong/FBCG- new 3D printed case to hold a Raspberry PI 400 in a Coco like case 01:38:15 -CoCo News} James Diffendaffer/YT- rotating 3D image of a Teapot in BASIC 01:41:25 -CoCo News} Sheldon MacDonald- is building a webpage for all of his projects 01:44:24 -CoCo News} John Whitworth/Pere SerratFBDG- released software ZIP files for the SuperSprite FM+ board 01:45:40 -CoCo News} Tim Lindner- Google doc list of all the disk & cassette image utilities for the Coco and Dragon 01:48:58 -CoCo News} Paul Fiscarelli/FBCG- putting together a little utility to ID your base Coco hardware specs 02:03:45 -CoCo News} Allen Huffman/YT- poll on: How do you Coco? 02:05:20 -CoCo News} Robert Gault- released DWPRINT (for BASIC) 02:06:20 -CoCo News} Christopher English- found issues of his "Color Computer Connection" newsletter that was completely done on the Coco 3 back in 1988 02:12:02 -CoCo News} Simon Slaytor/FBCG- published photos of his Coco 1 after he finished refurbishing and upgrading it (64k/ECB/repaint/new keyboard) 02:15:35 -CoCo News} Color Computer Programming/YT- posted several new BASIC program demo's 02:17:07 -CoCo News} Allen Huffman/YT- continues to explore how GET/PUT works in Extended BASIC **MC-10 News** 02:21:05 -MC-10 News} Simon Jonassen/FBMG- new 3 voice music demo video **Dragon News** 02:24:24 -Dragon News} John Whitworth @ DragonPlus Electronics/FBDG- has sold out of his first run of the Phil Harvey-Smith designed power supply boards, more coming soon 02:25:15 -Dragon News} Richard Harding/FBDG- The Dragon Meetup for Nov. 27/28 at Cambridge in the UK is officially on now 02:27:40 -Dragon News} Pere Serrat/FBSSG- posted more software for John Whitworth's Supersprite FM+ board 02:31:18 -Dragon News} The Laird's Lair/YT- "10 Amazing Dragon 32 Facts" 02:34:34 -End of Line for... News, with L. Curtis Boyle 02:35:20 -Projects Updates and Acquisitions 02:35:45 -PUA} Rick Uland 02:49:30 -PUA} John Laury 02:54:00 -PUA} Sloopy 02:54:22 -proteanthread, sorry... I saw it! :) 02:57:30 -PUA} Stevie 'El Jeffe' Strow 03:03:23 -PUA} Brian Wieseler 03:14:18 -Who is going to CoCoFest Nov 6/7? 03:28:00 -Next week, CoCoTalk MC-10 Special! 03:30:03 -Thank you everyone for all you do to make this show what it is! 03:31:31 -Outtro 03:34:18 -Final Thoughts 03:36:23 -Good Bye Everybody! CoCoForever! Dragon Forever! Email any suggestions you have for the show to cocotalk@cocotalk.live Visit us on the web at http://cocotalk.live Join us for daily conversations on Discord: http://discord.cocotalk.live Custom artwork designed by Instagram artist Joel M. Adams: https://www.instagram.com/artistjoelmadams/ Custom CoCoTALK! and retro merchandise is available at: http://8bit256.com Consider becoming a patron of the show: https://patreon.com/ogsteviestrow

CoCoTALK! Episode 234 - Run Dino Run Results 00:00:00 -Start/Intro 00:05:38 -Start of the show, with Special Guest Host Stevie! 00:05:55 -Panel Introductions 00:10:20 -CoCoThoughts by Samuel Gimes... 00:11:00 -Thoughts and opinions of Samuel Gimes... 00:11:18 -Paul 'Dino' F's programmers escaping 00:12:08 -Game On! Results, With Ken of Canadian Retro Things 00:14:30 -Game On! discussion With Ken 00:45:00 -Game On! Game for next week, Featuring Ken of Canadian Retro Things 00:49:19 -Game On! Challenge LIVE! Report 00:54:04 -Best part of the show! 00:54:28 -Whose New to Discord this Week! 00:56:30 -De Ja Moo! 00:59:59 -Game On! News, with L. Curtis Boyle 01:00:30 -Game On! News} Tony Jewell/FBDG- photos from the Retro Computer Festival in Cambridge 01:01:48 -Game On! News} Jim Gerrie/YT- Greg Dionne's Tetris 01:04:35 -Game On! News} Glen Hewlett- updated blog/video about his Robotron transcode/port 01:08:30 -Game On! News} Steve Bamford/WOD- update to Circe's Island game 01:09:52 -Game On! News} David Mitchell/YT- typed in the game "Explosion" from the book "Terrific Games for Your Tandy Color", and added improvements 01:14:20 -Game On! News} Christopher English/FBCG- posted about two game packages he wrote and had reviewed in the March 1990 issue of Rainbow (Arcade Action Packs Volumes 1&2)... 01:16:45 -Game On! News} Neb6/YT- Glen Hewlett's Joust on real hardware 01:17:17 -Game On! News} LRU's Outrageous Gaming Project/YT- posted several videos of the game Jet Boot Colin and caparison video of Jeff Minter's Gridrunner on various platforms 01:23:10 -Game On! News} TGP Highscore Runs/YT- Dragon 32 gameplay of 3D Seiddab Attack 01:27:00 -End of Line for... Game On! News, with L. Curtis Boyle 01:28:08 -News, with L. Curtis Boyle **CoCo/General News** 01:28:28 -CoCo News} John Strong/FBCG- new 3D printed case to hold a Raspberry PI 400 in a Coco like case 01:38:15 -CoCo News} James Diffendaffer/YT- rotating 3D image of a Teapot in BASIC 01:41:25 -CoCo News} Sheldon MacDonald- is building a webpage for all of his projects 01:44:24 -CoCo News} John Whitworth/Pere SerratFBDG- released software ZIP files for the SuperSprite FM+ board 01:45:40 -CoCo News} Tim Lindner- Google doc list of all the disk & cassette image utilities for the Coco and Dragon 01:48:58 -CoCo News} Paul Fiscarelli/FBCG- putting together a little utility to ID your base Coco hardware specs 02:03:45 -CoCo News} Allen Huffman/YT- poll on: How do you Coco? 02:05:20 -CoCo News} Robert Gault- released DWPRINT (for BASIC) 02:06:20 -CoCo News} Christopher English- found issues of his "Color Computer Connection" newsletter that was completely done on the Coco 3 back in 1988 02:12:02 -CoCo News} Simon Slaytor/FBCG- published photos of his Coco 1 after he finished refurbishing and upgrading it (64k/ECB/repaint/new keyboard) 02:15:35 -CoCo News} Color Computer Programming/YT- posted several new BASIC program demo's 02:17:07 -CoCo News} Allen Huffman/YT- continues to explore how GET/PUT works in Extended BASIC **MC-10 News** 02:21:05 -MC-10 News} Simon Jonassen/FBMG- new 3 voice music demo video **Dragon News** 02:24:24 -Dragon News} John Whitworth @ DragonPlus Electronics/FBDG- has sold out of his first run of the Phil Harvey-Smith designed power supply boards, more coming soon 02:25:15 -Dragon News} Richard Harding/FBDG- The Dragon Meetup for Nov. 27/28 at Cambridge in the UK is officially on now 02:27:40 -Dragon News} Pere Serrat/FBSSG- posted more software for John Whitworth's Supersprite FM+ board 02:31:18 -Dragon News} The Laird's Lair/YT- "10 Amazing Dragon 32 Facts" 02:34:34 -End of Line for... News, with L. Curtis Boyle 02:35:20 -Projects Updates and Acquisitions 02:35:45 -PUA} Rick Uland 02:49:30 -PUA} John Laury 02:54:00 -PUA} Sloopy 02:54:22 -proteanthread, sorry... I saw it! :) 02:57:30 -PUA} Stevie 'El Jeffe' Strow 03:03:23 -PUA} Brian Wieseler 03:14:18 -Who is going to CoCoFest Nov 6/7? 03:28:00 -Next week, CoCoTalk MC-10 Special! 03:30:03 -Thank you everyone for all you do to make this show what it is! 03:31:31 -Outtro 03:34:18 -Final Thoughts 03:36:23 -Good Bye Everybody! CoCoForever! Dragon Forever! Email any suggestions you have for the show to cocotalk@cocotalk.live Visit us on the web at http://cocotalk.live Join us for daily conversations on Discord: http://discord.cocotalk.live Custom artwork designed by Instagram artist Joel M. Adams: https://www.instagram.com/artistjoelmadams/ Custom CoCoTALK! and retro merchandise is available at: http://8bit256.com Consider becoming a patron of the show: https://patreon.com/ogsteviestrow

FHA LOAN LIMITS INCREASED! FHA increased loan limits on multi family housing another $8 billion per year on each enterprise Fannie Mae and Freddie Mac…totaling $156 billion/year in multi family properties. And word is that the $412,850 FHA single family loan limit will go up substantially higher than this level. Both actions are designed to increase housing affordability in low down payments and more homes which qualify for FHA. Zillow Is Bringing Artificial Intelligence to Real Estate - Zillow is working on called a floor plan generator, where they can take the images people upload and generate an actual floor plan with a house for you and find the house you're really looking for...combining that AI with their other AI algorithm (Zestimate). may result in making actual offers on homes. Don't hold your breath. Q2 Title Insurance Premiums of $6.5 Billion Break Records - That's alot of cash corresponding to an approximate 3.5% payout ratio...or approximately $222 million - but for what - errors or overlooked issues that weren't corrected before closing? Do we have full transparency in the title insurance industry with Billions of dollars collected and only millions in payouts? However, title insurance companies didn't exactly lose during this period. During the first six months of 2021, the industry overall paid out $221.1 million in claims, down from $232.9 million from the same period a year prior. Maybe we ought to consider modeling after Iowa's title insurance which is far cheaper and requires title defects to be corrected prior to closing. Curbio will gift a First American home warranty to your clients who complete a Curbio project!. Curbio is the leading home improvement company for Realtors® and their selling clients in the US, with a fast and effortless process to repair and update those areas that will get the largest renovation ROI. Tech Leaders Discuss Artificial Intelligence and its Impact on the Real Estate Industry - Chatbots and voice assistants are extremely popular right now as they allow real estate professionals to provide around-the-clock support that doesn't require a human," said Vin Vomero, CEO of Foxy AI. "Foxy AI's ‘Remodel It' uses computer vision to help consumers get instant and customizable home renovation estimates by analyzing the photos on listing websites by ZIP code. Some companies avoid using A.I. because of the perceived costs and resources required to use it, a lack of trust in A.I. products, the difficulty in explaining what it does behind the scenes and a fear of an A.I. takeover related to job displacement," said Julianne Heller, data scientist at NAR.

拉鍊沒拉： Your fly／zipper is open! 拉起來： Zip (it) up！ 聆聽例句的英美澳發音＋免費筆記，請上Instagram搜尋：English.104

Joey P., Pat Fitzmaurice, and Andrew Erickson break down the start/sit options for Week 6 of the fantasy football season! Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. OwnersBox - OwnersBox currently offers two game types, tournament salary cap and head-to-head live drafts. All new players get a $25 bonus when they deposit $10 or more on the platform. Players can use Promo Code “Drew9” for a $10 free entry into the Salary Cap Contest -- *one time use only Timestamps: Starts and Fades - 0:04:18 Damien Harris - 0:04:41 Javonte Williams - 0:06:56 Josh Jacobs - 0:08:26 Miles Sanders or Devontae Booker - 0:09:37 Alex Collins vs. James Conner - 0:14:04 A.J. Dillon vs. J.D. McKissic - 0:16:47 Amari Cooper - 0:21:19 Adam Thielen - 0:22:23 A.J. Brown - 0:24:19 Kadarius Toney - 0:26:20 Jaylen Waddle - 0:27:32 Laviska Shenault - 0:29:09 PHI WRs - 0:29:53 Tee Higgins - 0:31:07 Odell Beckham - 0:34:16 Marvin Jones - 0:36:24 Jalen Waddle vs. Laviska Shenault - 0:37:12 Rondale Moore vs. Hunter Renfrow - 0:38:48 Sam Darnold - 0:41:48 Aaron Rodgers - 0:43:28 Taylor Heinicke - 0:44:42 Ryan Tannehill - 0:45:52 Derek Carr - 0:46:40 Ben Roethlisberger - 0:48:27 Trevor Lawrence vs. Derek Carr - 0:49:38 T.J. Hockenson - 0:52:25 Jared Cook - 0:52:55 Mike Gesicki - 0:53:41 Jared Cook vs. Ricky Seals-Jones - 0:54:59 Starts and Sits of the Week - 0:57:03 Myles Gaskin - 0:57:03 A.J. Brown - 0:57:29 Taylor Heinicke - 0:58:11 Adam Thielen - 0:59:03 Allen Robinson - 0:59:36 TNF Preview - 1:00:47

Dan and Pat react to Week 4's NFL action and recap each Sunday afternoon game! Sponsors: Kraken - If you're interested in investing in cryptocurrencies but aren't sure where to get started, check out the Kraken app. Visit kraken.com/fantasypros now to learn more or search for "Kraken" in the app store. TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Timestamps: Trust or Bust - 0:02:12 I Am Confused by Your Opinion, Sir - 0:08:00 WAS vs. ATL - 0:10:29 HOU vs. BUF - 0:16:57 DET vs. CHI - 0:22:26 CAR vs. DAL - 0:26:21 IND vs. MIA - 0:33:10 CLE vs. MIN - 0:39:11 NYG vs. NO - 0:42:03 TEN vs. NYJ - 0:47:22 KC vs. PHI - 0:50:12 ARI vs. LAR - 0:54:45 SEA vs. SF - 0:58:52 BAL vs. DEN - 1:06:44 PIT vs. GB - 1:10:48

Are companies like Zillow ZG, 3.21% and Redfin RDFN, 2.02% manipulating home prices by purchasing properties across the country? That's what one real-estate agent claims in a video that went viral on the social-media platform TikTok — but real-estate experts say the reality is much more complicated.In a video that's garnered more than 2.4 million views on TikTok, Nevada real-estate agent Sean Gotcher criticizes the “iBuying” business model, in which companies buy and sell homes for a profit. In the video, he proposes that a nameless company has a website where many people search for homes “when they're bored,” and he says that same company “uses that information to go into that ZIP code and start purchasing houses.”In other words, he's suggesting that companies such as Zillow are using the data they glean from people's perusal of home listings on their sites to make decisions about which houses to buy as iBuyers.Join your host Sean Reynolds, owner of Summit Properties NW, and Reynolds & Kline Appraisal as he takes a look at this developing topic.https://www.marketwatch.com/story/a-viral-tiktok-accuses-zillow-and-its-competitors-of-manipulating-the-housing-market-heres-whats-really-going-on-11632511943Support the show (https://www.patreon.com/seattlerealestatepodcast)

Dan is joined once again by Dr. David Chao (ProFootballDoc.com) to tackle the most pressing injury questions for Week 4. Later, Dan and Yates preview every single game taking place this week! Sponsors: TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Pristine Auction - Get the best deals in sports memorabilia including signed helmets and custom jerseys with guaranteed authenticity. Enter registration code "FantasyPros" when you sign up to receive a free $5 credit. AirMedCare - If a medical emergency arises, AirMedCare Network provides members with world class emergency air transport services to the nearest hospital with NO out of pocket expenses. Visit airmedcarenetwork.com/fantasypros and use offer code FANTASYPROS to get up to a $50 Visa or Amazon gift card with a new membership. Timestamps: Injury Analysis - 0:00:18 Dalvin Cook - 0:00:46 Chase Claypool - 0:01:35 Tyler Lockett - 0:03:42 Darrell Henderson - 0:04:45 A.J. Brown/Julio Jones - 0:05:48 Joe Mixon - 0:06:45 Christian McCaffrey - 0:08:05 Dan & Kyle in the Morning - 0:10:23 Over/Under Challenge - 0:11:49 JAC vs. CIN - 0:14:49 Joe Mixon - 0:14:56 CIN WRs - 0:17:19 Laviska Shenault - 0:17:49 James Robinson - 0:19:02 WAS vs. ATL - 0:21:20 Antonio Gibson - 0:21:20 Cordarelle Patterson - 0:22:28 Calvin Ridley - 0:23:23 Mike Davis - 0:23:50 HOU vs. BUF - 0:24:17 Zack Moss - 0:24:30 Emmanuel Sanders/Cole Beasley/Gabriel Davis - 0:25:07 Dawson Knox - 0:26:11 Brandin Cooks - 0:26:52 DET vs. CHI - 0:27:37 Justin Fields - 0:27:37 Allen Robinson/Darnell Mooney - 0:28:22 Jamaal Williams/T.J. Hockenson/D'Andre Swift - 0:29:37 CAR vs. DAL - 0:30:55 Tony Pollard - 0:31:07 Dalton Schultz/Blake Jarwin - 0:31:56 Chuba Hubbard - 0:33:11 Robby Anderson - 0:33:56 Sam Darnold - 0:35:01 IND vs. MIA - 0:37:29 Jonathan Taylor - 0:37:29 Nyheim Hines - 0:38:39 Jaylen Waddle - 0:39:49 Robert Tonyan - 0:40:48 CLE vs. MIN - 0:41:14 Odell Beckham, Jr. - 0:41:30 Tyler Conklin - 0:43:12 NYG vs. NO - 0:45:09 Alvin Kamara/Marquez Callaway - 0:45:15 Kenny Golladay - 0:46:08 TEN vs. NYJ - 0:48:01 Ryan Tannehill - 0:48:04 Corey Davis - 0:49:14 KC vs. PHI - 0:49:51 Mecole Hardman - 0:50:10 Jalen Hurts - 0:50:55 DeVonta Smith - 0:51:57 ARI vs. LAR - 0:52:39 Chase Edmonds/James Conner - 0:52:46 DeAndre Hopkins - 0:53:24 Christian Kirk/Rondale Moore - 0:53:52 Cooper Kupp - 0:54:59 Robert Woods - 0:55:50 Darrell Henderson - 0:56:52 SEA vs. SF - 0:58:05 Tyler Lockett - 0:58:09 D'Wayne Eskridge - 0:58:49 BAL vs. DEN - 1:00:31 Marquise Brown - 1:00:40 Ty'Son Williams - 1:02:08 Courtland Sutton/Tim Patrick - 1:03:53 PIT vs. GB - 1:04:49 Chase Claypool/JuJu Smith-Schuster - 1:05:08 Najee Harris - 1:05:42 TB vs. NE - 1:06:53 Damien Harris - 1:06:56 Ronald Jones/Leonard Fournette - 1:08:28 LV vs. LAC - 1:09:28 Jared Cook - 1:10:03 Derek Carr - 1:10:29 Henry Ruggs - 1:11:15

Last week on the Land.MBA Podcast, we talked about important skills that you need to succeed in the land business. In this episode, we are building on those fundamental principals and taking a deep dive into Data, the most important part of land business.  Are you looking to purchase land? Is your land not selling? Understanding the numbers and details about a property is key in determining if the deal will make you money or cost you big time. Today, we talk about the difference between number and data, how you can use data to find the best deals, how to clean your data for accuracy, and how you can use it to get the attention of motivated buyers.    Let's Connect  For coaching and courses go here - https://www.land.mba Instagram - https://www.instagram.com/land.mba/ Facebook - https://www.facebook.com/mylandmba   Transcript: Speaker1: [00:00:00] They say the data are like people getting interrogated, tortured hard enough and will tell you whatever you want to hear. Seriously, though, and our last episode, Dave and I introduced the five skills you need to pay the bills as a land investor. It's fitting that the first one is data. Data sits at the core of land investing. Do it well and you can make a lot of money with a lot less effort. Do it poorly and you can struggle to cover your mailing budget. In this episode of the Land MBA podcast, Dave and I are going deep on data what it is and how you master it to succeed in land. Speaker2: [00:00:57] Welcome to the Land NBA podcast on your host David  along with my co-host. How on earth are you doing today, buddy? Speaker1: [00:01:08] I'm I'm good. It's getting cold here. Got a sweaters and sweatshirts, and it's all is breaking out fast. [00:01:18] I know. Fire pit out in with some of my my men's Speaker2: [00:01:26] Group last night, and yeah, I brought a light rain jacket and it wasn't warm enough. It's the chill is starting to set in here too. Speaker1: [00:01:37] Yes, sir. Speaker2: [00:01:39] But we've got a hot topic today near and dear to my heart. The warm you up, especially, you're a data geek. Speaker1: [00:01:49] Exactly. Well, last time we we talked about the five skills. What did you say? It was the five skills you need to bill or something pay the bills. Five skills to pay the bills. So, yeah, so the first one of those is data. So data, it is. That's what we're going to talk about. And I can't think of anything more important in this business. I mean, there are five skills, but this is without this. The other ones just don't matter. Speaker2: [00:02:19] Right. It all starts, it all starts with data. Speaker1: [00:02:22] Exactly. Speaker2: [00:02:23] Being able to analyze it, being able to use it to your advantage. Speaker1: [00:02:30] Exactly. But before we get into the meat and potatoes of data, if you are enjoying this podcast and I hope that you are in getting some good value out of it, whether you're watching or whether you're listening to it on podcasts, on on iTunes or Google Play or Stitcher or wherever you get your podcasts, or if you're watching it on YouTube, please like subscribe. Leave a comment. Let us know what you think. Let us know what you want to hear from us. It really, really helps us to deliver great content to you guys. And even if you don't love it, give us a five star review anyway. Just because we're nice guys. Help us out. All right. And with that, you will improve our data. So let's get to it. Speaker2: [00:03:16] Awesome. Awesome. So, Howard. Biggest question, what is data? Speaker1: [00:03:23] Data, what is data? Well, it's different kinds of information that are formatted in a particular manner, which then we can subsequently analyze and report on at some point. Speaker2: [00:03:37] So already? Come on. Speaker1: [00:03:40] That's the technical definition. I think that within our business, the way that most people immediately think of data is we get a list from the county, from data tree wherever we get it from. And and then we mail to that list. Well, that list represents data. It is made up of a set of records which have a number of fields of information, and we use all that to send mail and to connect with people without that data. We're going nowhere fast, so it starts with data even before we mail. We're using data because we're analyzing counties, and so we're collecting information about those counties in order to say, I want to mail to this one, but not to that one. That is a form of data analysis. Speaker2: [00:04:37] Very good. Unclear. Speaker1: [00:04:43] Clears wood, but it should be saying that in software, you've got two different things, you've got software programs and then you've got data. So the software programs are things that store, manipulate and use data, things like CRM systems, pricing systems, mapping systems, whatever they are. But in order for them to have any value, we have to feed in that data, which is the raw information that we're then going to manipulate with those systems, CRM or whatever, so that we can, you know, make use of it for our business. I mean, people like to call the land speed, for example, a CRM system, and to some sense, it is. But what one of the things that it really does, you know, at the most fundamental level, it's a place where we store or collect, store, manipulate and use data. That's fundamentally what it is. The rest is just icing on the cake. All right. Speaker2: [00:05:43] So. Why is this important and how to a land investor and how would they use it? Speaker1: [00:05:52] So I think a good way to think about it is something really relevant in today's world is with with with the whole all the emotion around COVID, you've got everybody saying, follow the science. Well, what is the science? The science is somebody. Hopefully somebody credible is doing a study. Hopefully, they're building a model for that study that would be credible. And then they are collecting data. And that's what science is. We observe and collect data and then analyze it so that we can understand the world around us. And it's it's no different here. So it helps us, whereas that helps us understand everything from the spread of a disease all as well as what different therapies and whatnot will help mitigate the spread of the disease. And our case, we're collecting data. And again, we're understanding markets or understanding pricing. We're able to, you know, comp and figure out what market values are. So it really is. It is the entire foundation of our business and it's used across everything. It starts with the county, you know, with county selection, it gets into the mailing, but it goes all the way through to sales. Before I do a sale, a final sale, I've got a pricing calculator and I'm putting all the numbers in and it's telling me, OK, if I if I, this is particularly true, if I'm selling it with seller financing, if I price it with this price at this interest rate, with this term, it's going to give me this ROI, this margin and this number of months to break even. And so I'm analyzing all the way through every stage of the business based on data. Speaker2: [00:07:42] Gotcha. So we use it to calm properties to prep our mailers. We're going to use it to validate the deals that come in to look at what kind of margins we need to make and price it accordingly based on what's out there, et cetera. So there's different. Stages, types and stages of data. Talk about that a little bit in regards to from, you know, acquisition and the analysis, cleaning your data, things like that. Sure. Speaker1: [00:08:19] So first, types of data, there's two different types. There's what they call quantitative data, and there's qualitative data. Quantitative data are things that can be measured. So for example, if you're looking at a property, you can measure the sides of the property a number of feet and then you can multiply that. You can figure out what the what the acreage is. You can figure out the elevation from the lowest point to the highest point. Those are all quantitative numerical facts that you can use to evaluate something qualitative would be its attributes. So that would be things like does it have trees on it? Is it hilly or is it flat? Does it have any water features? What is the zoning? And the interesting in both are very important both and in every aspect of the business, because what it allows us to do using that qualitative information is to get a better understanding of how a set of different properties might have something in common. And some of those factors, some of those qualitative factors are referred to, sometimes referred to as metadata. So for example, if I had a still shot picture of David here, that would be a picture. But the metadata around it might say that the picture was taken at such and such a time on such and such a date in Colorado, and it represents a picture of a bald man. Speaker1: [00:09:48] It's so then if I collect thousands and thousands of pictures, I can say, you know what, I just want to see a subset of pictures that are from people who are in Colorado bald and where the picture was taken in the last month. And then I get a subset of those pictures of of what puts them in common. Well, we can do the same thing in land. We can we can show a set of attributes that we think make a number of properties in common. Now it may be that they're in the same subdivision. It may mean that they're in the same zip code, location, whatever. But aside from those sort of government metadata pieces, we might do it based on attributes. So we might say, actually, what I'm looking for is I'm looking for land between this acreage and that acreage with trees on it with at least 50 percent flat. And you know, and a water feature, whatever, and then collect a set of properties like that. And that would be a cohort of properties. And those are the ones I would use to comp a property because they have the most attributes in common. So qualitative and quantitative. Speaker2: [00:11:00] And I would say that that is more of a quantity. It's, you know, the difference between qualitative and quantitative sometimes is also between the art and the science. We talk about this business being a lot of both. You know, sometimes it's more art than science because you talk about attributes and, you know, trees, flat part, you know, things like that. View's location may be valuable to one person and not the other as far as a buyer goes. And or, you know, they may wait it a little bit differently than than others. You know, how many times have you sold a property where you know you had a few people look at it and they didn't like it, and then the right person came along and loved it? It's it's very qualitative. It's art and science. So there's no there's no magic bullets, no matter how much you analyze stuff, but you've got to do is you've got to be as quantitative as you can when, especially when you're buying it. Speaker1: [00:12:04] So you'd like to be, you know, it's funny, my son is so into of all things metalwork. I mean, go figure, how that happened certainly apparently did not come from me. In fact, we went to a whole weekend of blacksmithing last weekend. He was so into it. So anyway, there's a new show on TV called Metal Smith Masters or something like that. And so we're watching it, and two of the contestants on this show had to work together in a team. And one is a guy that designs everything on a computer and then has, like a water cutter, cut exact pieces based upon the design he's created on a computer. He's really good with the numbers and everything else. The other gal is just an artist. She's like, Yeah, I think it should look like that. She just starts working on it. So completely right brain, left brain. But usually the best work comes from a combination of the two. I mean, if you are, it's sort of it's the same thing in business like, you know, you've got financial people. Everything is driven by the numbers and they can't sort of get their head out of the numbers to say, OK, well, what about relationships and what about, you know, sort of the the softer the goodwill and, you know, the softer aspects of value? You really need both. And that's that's true of data, too, and it gets back to this idea of quantitative versus qualitative. Speaker3: [00:13:19] These are some crazy times in the real estate field. Demand is high, inventory is low. If you're a realtor, a wholesaler or house flipper, you've probably noticed how hard it's become to find quality deals. This is why so many in our industry are looking at land as an outstanding way to add new revenue stream to their portfolio. Speaker4: [00:13:40] If you're listening to this podcast, you already know that land is a relatively unknown niche of the multibillion dollar real estate market with huge profit potential. Seriously, what other business delivers 200 300 a thousand percent return on investment deal after deal? Speaker3: [00:13:57] It seems hard to believe, but land really returns 100 to 300 percent commonly and sometimes over a thousand percent deal after deal and in the age of COVID. Demand for land has never been higher. Speaker4: [00:14:11] Many of our students have already created new revenue streams with land and added six figures to their incomes. Speaker3: [00:14:18] We've had clients who have achieved multiple six figures in their first year of business. Another pay for all his coaching and pocketed 15 grand on his first deal. Now, not everybody has these kinds of results, but they're certainly possible if you have the right instruction, the right support and highly experienced mentors. Speaker4: [00:14:40] You don't need another course that promises the moon and then delivers an elementary school education. You need a proven program suitable to your experience and ambition. You need a land MBA. The Land MBA is everything you need to blow it out in the land, business, courseware, mentorship, tools, community and even deal funding. Look, because you're here listening to me, you know that Dave and I don't hold anything back. That's a founding principle we've had from the beginning with the land MBA. You get everything we have to offer. There are no upsells, and now through popular demand, we have transformed our highly regarded one to one coaching program into a small group format at a fraction of the price. If you're ready to build a six figure income with the freedom of being your own boss, go right now to WW W Land NBA fortune. That's WW W Land, NBA fortune. Let us help you create your next path to wealth. Speaker2: [00:15:44] So talk about the types. Let's talk about the stages of data, and this, I think, gets into a little bit of the meat for the land investor because it's more about the process. Speaker1: [00:15:56] Yeah. So this is definitely not going to be a discussion of pure data science. I, I think I might have mentioned once before that when in my last corporate job, the first person I hired was a PhD data scientist and utterly brilliant. I'm still quite the novice in this area, but everything I know she taught me, so I probably will not be getting, you know, it won't be perfectly complete in my definition is maybe a little bit wrong. But what I tried, what I'm trying to do here is pull out those things that are meaningful to the in community and using words that I think would be meaningful to the land community. So the first thing that we want to do with data is acquire it. We have to get it from somewhere and we're probably not going out and getting it ourselves. So it's usually it starts with some kind of government data or some kind of an aggregated data, whether it's from a data tree or Zillow or from wherever. The next thing that we want to do is we want to clean that data and I'll go into all these in a little bit more detail. But the next thing we want to do is clean the data and that is so important. It's the one thing that I think a lot of land investors may not take quite as seriously as they should. It's definitely an opportunity for improvement. Speaker1: [00:17:20] And then the next thing we want to do is once we have clean data is we want to analyze it so that we can understand it. And that's where this whole qualitative and quantitative analysis comes in. And then we want to report on it or use it. So acquisition really starts with where are we getting this stuff from? So let's just say we're talking about a mailing list, right? We create a mailing list in data tree, right? I create this list for people all the time. At the end of the day, the next question you want to ask is worse data tree getting the data from. Well, they're getting it from the county. Well, how good's the data? That really depends on the county because they're they're actually the ones that are collecting it. So what is the data? The data represents their records of who owns what. So hopefully they're maintaining good records. But, you know, sometimes they're not. And and some, you know, a lot of times people pass away, people move. How well is that data maintained over time? You know, are they are they capturing that information? Sometimes good, sometimes bad. When we've, you know, for those of us that have been in enough counties and enough states, you know, we know that there are some places that just have great data like Florida's data is amazing, probably the best data in the entire country. Speaker1: [00:18:42] But there are other places where it's just not so good. I did. I was working on a deal in Costa County, Colorado, and give me an example of how data can really trip you up. Is what I if you want to know, the size of the property in Castilla. It's kind of a manual process. You have to go look into the legal description to find it. So I did that, and so I had and I had a V.A. do that, and so I sent my mailers out based upon that. Well, then I had an opportunity come in person, was all excited. And I went to the GIS system and I actually put a polygon on the property and the size of the property was an order of magnitude different than what was in the legal description when I pulled it up on the GIS system. So I called the county and I'm like, What's going on with this? It's like, Oh yeah, those two systems don't talk to each other. I think it's so I basically had priced the property on an incorrect size because that was what was in the data. So data is very imperfect and the more we clean it, the better it's going to be. So we need to be conscious of where we're getting it. I'll give you another example is I generally would never provide lists to people in the Carolinas and probably Georgia as well, because no matter when I when I click the buttons and say, look at I only want vacant land and then I'll say, Look, I want it where the living square foot footage is zero and I do all kinds of little things in there to try to make sure I'm only getting vacant land. Speaker1: [00:20:22] But invariably a lot of the data that comes back has a building on it. And that's just because the nature of their data and how it's presented, so it's so hard that I don't even provide lists there anymore. You know, if I was going to invest there myself, I would have to figure out how to overcome that. But just using like a data tree, it's very, very difficult. So that's acquisition. You want to know where where are your sources of data are? What it's going to cost, how you're going to get it, what format it's going to come in? Is it going to come in as an Excel spreadsheet? Is it going to come in as a CSV? Is it going to come as a PDF, as a word document data? You know, I've gotten a delinquent tax list and they're literally photographic PDFs. And the only way to get make anything value about it, you've got to give it to somebody like a VA and have them transcribing, which then leads to potential human error. Speaker2: [00:21:15] Right, right, you know, I had one of those same Castilla County when I was first starting maybe the third or fourth property I did and I missed that acreage thing and I actually so my offer was based on 40 acres. And after I bought it, I discovered it was about 20 acres. Speaker1: [00:21:35] Oops. Speaker2: [00:21:37] Yeah. Luckily, I bought it cheaply enough to where I was able to, you know, bail out of it and still make a little bit of money. But yeah, it could have been bad. Speaker1: [00:21:45] Yeah, so. So when you collect that data, if you just use it and you don't like, clean it up or check it, you could get yourself into trouble. And that's where that great little acronym comes in. Guy, go. Garbage in, garbage out. So all data, I don't care how good it is, needs to be looked at, needs to be cleaned up. And so that gets to the next step, which is cleaning the data. Sometimes in our business, we just call it scrubbing, scrubbing, but scrubbing is not perfectly. It's not the perfect word for it because a lot of times what we mean by scrubbing is I want to eliminate records that are not of interest to me. It's not my strategy. It's too expensive. It's the size is wrong, whatever it is. So I want to just have the columns. Yeah. Well, so formatting columns, that would be an example of cleaning, but refer Speaker2: [00:22:37] To the scrubbing. Speaker1: [00:22:39] Yeah, exactly. No, it's true. So it kind of scrubbing encompasses all of that. But normally cleaning would just mean getting the data in good shape. Right. So an example would be maybe you pulled the data down and has the entire mailing address as one field. So you've got this this the street city state zip, all is one field. But when you want to get to the mailing, the way you're mailing set up is you really want those in separate. You also I want one for street address, one for city, one for state, one for ZIP. So how do you break that up? And that becomes a whole kind of Excel formula exercise. But that's an example of of cleaning the data. The other the other. Another aspect of cleaning is is augmentation. Sometimes when you get the data, it doesn't have everything you need in it. And so you've got to find another source of data that has the information you need and then find a common key. So like maybe based on the APM, if they if these two data sets have the same APN, then I can take my first data set, create some new fields and bring in the extra data from the second data set Speaker2: [00:23:45] By skip tracing. Speaker1: [00:23:46] Skip tracing is a great example of that. You know, maybe I want to add email addresses and phone numbers into my data, right? Speaker2: [00:23:52] So maybe I want to do that because I want to do SMS campaigns in addition to to direct mail. Yeah, yeah, for sure. Very good. So we've talked about so we've got where where is data used in the land business? We talked about creating a mailer and scrubbing that data, cleaning that data. So. We want to use it for county selection area selection, pricing, property analysis, so in county selection, you know, state and county selection. What are some of the key pieces of data that we would use to decide on a place to invest? Speaker1: [00:24:43] I think that the answer to the number of answers to that question is equal to the number of land investors out there. I know how we do it and how we teach it. And I, because I like data, I like to get as comprehensive as I can. Some people think, you know, some people are, you know, a little bit more of let me throw a dart at the at the dart at the map and see where it lands. But I think that the two most important metrics I care about are how how active is the county with relationship to buying and selling raw land. And the second one is how fast are properties moving? Are they sitting for six months or are they selling rather quickly? Those two are head and shoulders above everything else. Everything else becomes qualitative. Right. So now I might say, what's the quality of the land there? What's going on? I shouldn't say it's not all qualitative, but what's going on in terms of job growth or unemployment. What's going on with the economy is what's going on with demographics are more one of the one of the metrics I always like is net migration, which would be the amount of people moving in versus the amount of people moving out of that county. Speaker2: [00:26:05] And let me let me just interject there because I think it's really important for the state as far as because I want to see sales growth in the county, right? Speaker1: [00:26:16] Absolutely. Activity, but Speaker2: [00:26:18] That county where people have bought a lot of recreational lots or lots that they want to do something, build something on some day, you could still have negative net migration in that county. But the county next door has or two counties over, which is kind of in that two to three hour perimeter for the vacation home for the weekend has migration growth. But the actual county that you're looking to buy in is could have negative migration. So that one is when you got to kind of take with a little bit of a grain of salt. Speaker1: [00:26:56] I think that's the interesting thing is we, you know, we didn't get into too much detail about how to do analysis and the reporting and all of that. There are many factors that can go into an analysis and then you can weight the factors and say this one's more important than that one and you can score. I tried to do this when I first got in the business. I'm like, Oh, I'm going to use data, I'm going to, I'm going to blow it out. And I created this massive, massive spreadsheet. It had every county in the country, all three thousand one hundred and fourteen of them. And then I collected I just pulled in all this information from the U.S. Census Bureau and Land Watch and from all these other sources. And I created this massive spreadsheet with all of these metrics, and then I waited each of the metrics so that I could give each county a score of what I thought would be like the perfect county for land. And then I could just fill. I could sort it, and then I can say OK in any given state. This is that this is the order of from the best of the worst. Or I could do it nationally and say this is from one all the way to three thousand one hundred and fourteen. And boy, that didn't work. Speaker1: [00:28:04] So but you know, you figure out what matters to you and sometimes, you know, and that's a really good point is, you know, I like net migration. My belief is that if a county has started out with the most important things, right, if it has a lot of activity, if properties are moving fast, then a positive net migration will only over time will only improve that. The other point that you made, which is which is great, is sales growth. You know, if you put those things together, then a positive net. If I have two counties that are kind of comparable in terms of activity and sales growth in the rest, and one has a positive net migration, when has a negative net migration, I probably would lean to the one that has the positive migration, but that's only if all things are equal. So you have to look at all of the different kind of factors and then in in the totality and then you can make a decision. And that's where that's where the human part comes in. It's about the analysis and you're looking at that data. Through the lens of your strategy. So two people could look at the same data based upon looking at five, six, seven different counties and come up with different conclusions based upon what their strategy is. Speaker2: [00:29:25] Hey, folks, people often talk about automating and outsourcing your land flipping business, but what does that really mean? Generic solutions leave it to you to figure out how to set up and maintain the automations. I've been running my land business on land speed for over three years because it's a total solution and allows me to focus on being a great land investor. Land speed was built specifically for land investing by land investor and with many of the most successful people in the business using it for years. It's evolved into one of the most feature rich solutions on the market. Some of the key benefits I get are being able to create and manage mail campaigns and neighbor letters. I'm able to automate tasks amongst my team, create contracts and deeds and email text or mail them within a few clicks. I can automatically capture sales leads from any lead source, including Facebook Messenger. Then it automatically pushes those leads into my sales funnel so that I can manually follow up, but they also go into my automated drip campaign. And since Lance Speed's a total cloud based solution, I can run my business from anywhere in the world with a phone, laptop or tablet. So if you want to. Turn your hobby into a professional, scalable business. Just go to land speed, techno forward slash Dave to receive one hundred and fifty dollars discount today. We've got that. Speaker2: [00:30:53] We've covered four county area selection, some of the some of the key metrics that we want to look at. And then, of course, obviously for pricing. And then once we get a deal in, we want to be able to look at so when you're pricing your your list, you're looking much more comprehensively at at the comp data. It. I mean, a lot of people will, you know, print a map and write down values on an area of map, a map and kind of figure out the average price per acre and go. And in those areas and then others will just, you know, price the whole county based on a price per acre. And, you know, throw enough dang on the wall and see what sticks and others will get down much more micro and price small areas on the map so they can get more accurate and more concise on their pricing. That's very time consuming, and I'm just going to plug a little tool that you make that I love to use for that. And it's called Price Boss, and it's very helpful for letting you capture a lot of data off of sites like Zillow and Lands of America and figuring out the median price per acre. Setting up your acreage splits and pricing it, and I find that tool invaluable really helps me nail down my pricing pretty accurately. Speaker1: [00:32:32] I appreciate that. You know, this is sort of the debate of neutral offers versus blind offers, you know? So in blind offers, you put forth a lot of effort before the mailing goes out. In Neutral offers, you put forth a lot of effort after the mailings go out. And but the trick is, you know, for me with pricing, when you're doing blind offers or even range to offers, the goal is to get as accurate as you can possibly get without killing yourself. Because you know that only half one at the match three percent of a list is going to convert. Most of them are not going to convert. So you don't want to kill yourself at the beginning. We've got to remember in our head what is the purpose of that letter? That letter, the purpose of that letter is to generate a conversation. Speaker2: [00:33:26] Yes, exactly. What you talking about is getting lost in analysis paralysis, right? You know, we can we can. We can over scrutinize and overanalyze the data. And I mean. It's something that you learn over time, because pricing Mailer's is is, you know, again, it's a lot of art mixed with science. And, you know, sometimes you've got areas where you've got lots of comparables and you can plug those in and feel pretty confident that you're in the ballpark. And that's just it. You're trying to get close enough to get people on the phone and have a conversation. And inevitably, I don't care whether you're going to piss some people off and it's just part of the business and you're going to price some way too high and get a bunch of calls like, Hell, yes, I'll take that offer. It's the best offer I've had in years, you know? And then you go and you look at it and you're like, Oh yeah, I screwed that one up, and then you try to walk it back. And you know, many times that's successful. Many times it's not. But you had a conversation. Speaker1: [00:34:38] Yeah, when I first got into the business, the guidance that I received was go find a couple of comps, you know, maybe five to 10 comps off of Craig's List, maybe LaneWatch, average them together. Figure out, you know, and then and then basically price your county based upon that, the whole county. And it was. And so you kind of had to. There was two primary methods back then. It was OK. Everybody in the county gets a $500 offer. Or everybody in the county gets a two hundred and fifty dollars per acre offer, and I just multiply it times the parcel size to get my actual offer. And in both those cases, it's just horrible. And what's horrible about it is it generates a ton of missed opportunity because what's going to happen in that situation is there will be a sliver of properties where your pricing is pretty close to being right. A sliver. And it was a reasonable chance you'll get a call from those people. Then there's going to be this huge group of people where the price is way too low. And they're either going to throw it in the trash or they're going to call you and tell you how much they hate your guts. Either case, you know, you're not getting deals out of it, and it kind of wastes some time and then you're going have this big group of properties that are way overpriced, in which case your phone's going to be ringing off the hook and you're going to realize you're not able to actually do those deals once you get into due diligence because those prices will not yield a profit. Speaker1: [00:36:10] So if you can get a very good ballpark right before you send your letters out, then fewer are going to end up in the trash can. And in the some of those that would have otherwise ended up with the trashcan may actually call you and you can get more deals out of it, and it'll save you a bunch of time because your phone's not going to be ringing with a bunch of deals that you're not going to be able to do anyway. So it saves time and it will get you more deals. The trick is to be able to do that without killing yourself, and that's why you need tools. There's there's a few different ones on the market right now. I think they're all pretty good. Obviously partial to to price boss. And the primary reason I'm kind of partial to price boss is because. Everything's everything is built on assumptions, right? So, for example, when you get a set of comps from Zillow or Lens of America or the county, wherever you're getting them from, some of those comps won't make any sense. Speaker1: [00:37:15] Right? Let's just say it was a family transaction. Ok, I sold this property for one hundred bucks. You know, it's worth $50000. That doesn't make any sense. Sometimes it goes the other way. Sometimes they're trying to shift for tax reasons. They move it to another entity, and so they sell it for some, for more than it's worth. That happens from time to time. Do, or sometimes a property sells just for more than it's worth. But it's it doesn't make any sense when you look at the larger market and those are called outliers, and you definitely want to pull outliers out before you do your full analysis and say, OK, this is the price per acre for this group of properties. What is an outlier and what isn't an outlier? Well, it's very difficult for machines to figure that out. It can be done, but it's built on assumptions. Sometimes those assumptions are right, and sometimes they're wrong. You brought what? You brought a real interesting up one time, Dave, about the situation where what happens if there are multiple properties on a single deed? It really screws everything up. Speaker2: [00:38:21] Yeah, yeah, exactly. So for example, you know, you'll see this on if you're looking at Zillow sold and if you have data tree up with with the sales and sales turned on, you may find a cluster of properties two or three or four or five properties I've seen that are sold very close to each other, and they have they all have the exact same price. Well, if you're just using an AI tool to scrape that data, you're going to let's say these, let's say you've got twenty five thousand dollars and you've got, you know, five properties that also for four, twenty five thousand, you're like, Oh, that's great. You scrape that in, well, the the the software is going to interpret that as, you know, twenty five thousand cops, twenty five thousand dollars each. And but if you if you click on them, for example, in data tree, you'll see that, oh, it was the same buyer for all of these. So they essentially bought all five of those properties for twenty five thousand. So your actual comp is five thousand. Right? And so that can that can fool you. And so that and I am not sure that some of these automated tools are taking that into account when it happens. You can do that in price plus, I mean, it still can slip by you, but it's something that you have an opportunity to manually manipulate that and delete those fields if it looks fishy, fishy to you. But it's something that I it fooled me. I didn't catch it until, you know, probably only about a year ago, and I've been in this business for six years. Speaker1: [00:40:12] So, yeah, I mean, when you talk about cleaning data, this is especially true in pricing because let's just say I've got two price two properties and they translate into the same price per acre. Well. If they are to properties and that's valid, what if they're the same property, it's just a duplicate data. It actually manipulates your number and makes it too high or too low because you're you're counting too many properties that that aren't real. And so that happens again, this it's important to understand where your data is coming from. So Land Watch Lands of America land a farmer, all the same company now and not all, but most properties that go into that system are syndicated across all the platforms. So if you pull data from Land Watch and from Lands of America, you're going to end up with a lot of duplicate data. Sometimes people just post multiple times. So what we did in price bosses, we set it up so that you can sort it, and it basically highlights where all your duplicates are. So you can look at that and say, Is this really a duplicate or is it not? If it is, you delete it again. You know, machines can do some of that, but it's built on assumptions and sometimes it's right and sometimes it's wrong. And if you don't have the ability to kind of go in there and put your own little decision making on it, you know, you get what you get. Speaker1: [00:41:32] I like I'm a bit of a control freak when it comes to data. I like to see it so. So I like to take that out. And then what? What what we do is we create a graph called a scatter plot in one on one access. It'll just have acreage. So it'll go anywhere, you know, can go from whatever range you put in there, but say zero to a thousand acres on on the x axis and on the y axis, it has price per acre. And so what you'll see is that across all the comps that you've collected, it tends to build clusters. But it also will show you on this on this scatter plot, those properties that are way, way up high or way way too low, and they're not part of any clusters. And those are most likely your outliers, so you can easily find them and make a decision, whether you keep them or or you get rid of them. And that's the cleaning part of it, and it takes a bit of time and effort. But the more you do it, the better you get at it and the less time it takes you. But once you've done it, boom, you know you're ready to get some very accurate pricing. And with that, hopefully you'll get more property, more deals and less wasted time. Speaker2: [00:42:40] Right. So I just want to bring up one more piece of data that I think is important that we for tracking and deciding where we spend our marketing dollars and in this business and that is, you know, tracking where your leads are coming from. If you are set up with the various sources, like if you have a Lancome account, you know you're going to have leads coming from the three different lands of America land and farm and land watch and then maybe use land flip. Maybe you do some Facebook and some Craigslist and any other source that you have. It's really good to measure how many leads are coming from from these sources and which ones have the highest rate of conversion as well. Like, we know that, for example, Facebook, you get a high number of leads, but the quality of lead may not be that great. And so it's really good to measure. You know, Facebook has become Facebook Marketplace and groups has become a very challenging place to market, and it now is very labor intensive. They flag you, they shut you down and and things like that. So, you know, I recently analyzed my my data on the number of leads, but not just the number of leads, the number of properties that we actually converted on Facebook and just decided it's not worth the effort anymore, at least not the way we were doing it. Speaker2: [00:44:16] And so I'd rather take the labor that I was paying, even though Facebook's free you get, even if you're, you know, paying a cheap VA, I was still spending, you know, two $300 a month on that VA for posting in Facebook. And so you have to take a look and go, Well, maybe it's more advantageous if I take that than a couple hundred bucks and and increase my exposure on land or land, flip and do some of their boosts there and things like that, or flat fee meals. So you want to be able to have a tool, a system that measures where those leads are coming from. I'm going to plug land speed again as that's all my leads come in and they automatically tick off the box. You know where, where the lead come from. And so I have a ledger on the left hand side that shows my my lead count. And then I can also show, you know, which which leads source converted. And that's a very good piece of data to track to know which is my best lead source, not just for leads but also converting them and where I spend my marketing money. Speaker1: [00:45:31] You know, it's a real it's just a really good point that you made, which is there's there's how many leads are generated and then how many convert. And so you collect the data. But when you get to the analysis and the reporting side of things it's about, we don't need to collect and analyze and report unless it's going to actually lead to decisions that improve our business. Otherwise you just doing it for the sake of doing it because you like data. That's all fine. But you know, we want to exert ourselves in ways that are going to improve our business. So, you know, it starts with asking the right questions. You know, if you start to say, OK, you know, what are the what channels are working best for me? What matters most? I mean, is it leads or is it is it conversions? While I would argue it's conversions. So that would, you know, that would be a great example of that. And yeah, so I mean, it all starts with asking the right questions. Speaker2: [00:46:30] Yeah. You know, because it all it all translates into labor as well, right? Because if I'm getting just like the Facebook example, if I'm getting a lot of leads, but none of them are converting, I mean, those leads got to be followed up, and some of them are just depends on how you handle your leads and how you rank them. You know, sometimes if they're just an email that came in and I just let it go to the auto responder if it's Facebook. But you know, if somebody gives me a phone number, they're getting a call, you know, so it's and they're getting a manual email on top of the auto responder. So, you know, if the lead quality is really crappy from a certain. Source, you either want to. Stop that source altogether or just, you know, put them on automation period and don't do a manual follow up. So all of these points of data are control how you operate your business and, you know, think about the parade or principle all the time, right? 80. 20. Yeah. Great point. All right, I think we beat the horse dead. Speaker1: [00:47:39] I love it. Well, this is an important horse. And if you don't master data and you don't, you know, if you've got kind of a background in this and you've played around on Excel spreadsheets and things like that, it's probably not going to be terribly hard for you to to master it within this business if you don't have that background. It's just one of those areas you want to make sure that you are. You are improving all the time because the better we are with data, the better this business is going to run. It's just there's just no way around that. It is, you know, one of the five most important skills to pay the bills. Speaker2: [00:48:19] All right. That was a great talk. We'll talk to you soon. Adios, everybody. Speaker4: [00:48:24] Yeah, we hope you enjoyed this episode. Had a bit of fun and walked away with some actionable insights that you can apply to your business. Dave and I have got some great content in interviews planned, so don't forget to rate and review. And of course, subscribe to this podcast on iTunes, Google Play, Stitcher or wherever you get your podcasts. If we mention any interesting links or tools, you'll find them in the show notes to learn more about landed MBA. Visit our web site at Wait for it landing MBA. See you next time on the Land MBA podcast.  

Thoughtful HR leads to engaged employees through engaging employee experiences. Backed with good data and insights, listening systems, and dedicated leaders and managers, modern HR practices foundationally improve employee interests, retention, and wellbeing – “in the cloud”, spanning hybrid work. We talk with Kerry Olin (Microsoft CVP, HR Services) and Jay Clem (Microsoft GM, HR Services) about how Microsoft adjusts its practices and technology to improve the employee experience for 160,000 full-time Microsoft employees around the world, including introductory thoughts “on the importance of data and insights” from Kathleen Hogan (Microsoft EVP and Chief HR Officer). Click here for this episode's corresponding blog post. Social and Info Links: SharePoint Facebook | Twitter | SharePoint Community Blog | UserVoice Microsoft Viva | Resource center | Posts within Microsoft 365 community blog Kerry Olin | LinkedIn | Twitter [guest] Jay Clem | LinkedIn [guest] Mark Kashman |@mkashman [co-host] Chris McNulty |@cmcnulty2000 [co-host] Resources: “Excellence in People Analytics” book written by Jonathan Ferrar and David Green – with a forward "CHRO perspective" from Kathleen Hogan myHRfuture (site) | Twitter | David Green (Twitter) Digital HR Leaders (podcast) "Modern HR" (External Microsoft site) “Employee Experience Starter Kit” (Power Apps app .ZIP file) "Microsoft moves its Human Resources employee portal to SharePoint Online“ (Inside Track article) "Microsoft HR leader: IT pivotal to driving culture change“ (IT Showcase article) "Hybrid Work: A guide for business leaders" (PDF) Microsoft Docs - The home for Microsoft documentation for end users, developers, and IT professionals.  Microsoft Tech Community Home Stay on top of Office 365 changes Upcoming Events: Microsoft Ignite [Nov.2-4.2021]| @MS_Ignite Listen and subscribe to other Microsoft podcasts at aka.ms/microsoft/podcasts

Join us as we chat with the Smithsonian's National Post Museum curator, Lynn Heidelbaugh, to examine one of the biggest game changers in the modernization of the Postal Service—the ZIP code. We'll talk about how a seemingly innocuous string of digits helped to increase delivery performance, as well as how USPS inspired nationwide adoption of the ZIP code, including the introduction of Mr. ZIP! Hear how the ZIP code was promoted, the reception it received from the public and mailing industry. Our hosts Dale Parsan and Yasmine Di Giulio go deep into the ZIP code with Lynn Heidelbaugh on this episode of Mailin' It!

9/26/11 - A way of closing gaps while editing in Final Cut Final Cut Pro 7 Shortcut Guide | Closing Gaps in FCP7 | Close all gaps in Final Cut Pro 7| FCPX Magnetic Timeline 9/27/11 - Doritos have different flavors based on region. List of various Doritos flavors| 102 Doritos Flavors from Around the World| The Psychological Secrets Behind Nacho Cheese Doritos | Top 10 Weirdest Doritos Flavors from Around the World 9/28/11 - How to make fake blood Making Fake Blood | The Twisting History of Fake Blood on Film| How Fake Blood is Made for Movies 10/3/11 - Finder has a "background" option for thumbnail view, and flipping a video horizontally in Final Cut 10/4/11 - Smarter column filtering/handling in Excel, as well as stupid glitches associated with it. Filter data in a range or table| Excel Filter problems and fixes 10/5/11 - DOCX files are just ZIPped folders with XML files and other assets. Change the extension to ZIP, extract, and go to the Media folder to find the original images. 10/6/11 - According to a textbook, Microsoft Office was on the Mac in 1986. The first MS Office Ad | History & Evolution of Microsoft Office Software | The History of Microsoft - 1986 Extra topic - iPhone 4S Apple Special Event, October 2011 | “iPhone 5” Event Predictions This episode's music comes from archive.org and the Free Music Archive Tracks featured in this episode include: Gillicuddy - A Garden and a Library Doctor Turtle - His Last Share Of The Stars Jesse Spillane - Number 0 lietoofine - Parachute Descent Kevin MacLeod - Faster Does It [ Kevin MacLeod (incompetech.com) | Licensed under Creative Commons: By Attribution 3.0 | http://creativecommons.org/licenses/by/3.0/ ] Quantum Jazz - If I Can't Dance It's Not My Revolution

In this English lesson I'll help you learn some common phrases that English speakers yell at each other. Yes, I said yell at each other. I'm sure you know by now that sometimes people get upset with each other. When that happens each language has its own versions of things people yell at each other. Of course sometimes people just yell because they are far away and need to be heard.In this lesson I'll help you learn some of the regular phrases we use in English. Of course, the point of this lesson isn't to teach you phrases that you will necessarily use, but instead to make sure you are familiar with them so if you hear them while doing English listening practice you know what they mean.I'll help you learn phrases like, "Cut it out!", "Quit it!", "Zip it!" and many more.I hope you enjoyed this English lesson about things English speakers yell at each other!Have a great day!Note: This is the audio portion of a Youtube English lesson which you can watch right here: https://www.youtube.com/watch?v=f_Febo0yKhc or find by searching Youtube for, "Bob the Canadian Yell"Support the show (https://www.patreon.com/bobthecanadian)

Buckle up for a brawl between two of the most iconic video game characters of all time. It's Pikachu vs. Mario!! Radio producer and Pokemon trainer David Zha goes up against podcast pro and Mario maven Kristina Lopez in this electrifying debate. Which character will win? The mighty, mustachioed plumber known for giant jumps? Or the yellow thunder mouse known for packing an electrified punch!? Zip over to smashboom.org and vote to tell us who YOU think won.Support Smash Boom Best with a donation and get automatic access to our live, interactive Halloween themed event in October. Head to smashboom.org/donate and donate today! This episode was sponsored by: Headspace headspace.com/smash

Episode 142If you're from St. Louis, then you probably already know who Zip Rzeppa is. For those of you who don't know who he is, Zip had a career in Sports Broadcasting and was known as the zaniest guy in the business, but then his faith happened. ResourcesIn an effort to provide you with the best, most helpful experience we can, any resource mentioned in The Cantankerous Catholic podcast will always be listed in this section. Register for our next free Sharing the Catholic Faith webinar: https://webinar.getresponse.com/BhGUM/the-trinity-angels--man (The Trinity, Angels & Man). (There will be a video recording for those who can't attend the live event, but you must register to get the link.) https://app.getresponse.com/survey.html?u=BhGUM&survey_id=1647905 (PODCAST SURVEY) https://wwb.gr8.com/ (Sixpack System Bulletin Inserts) Zip Rzeppa https://amzn.to/3zXCGIS (For A Greater Purpose) by this week's guest Zip Rzeppa. https://amzn.to/3DYhAwI (My Rock & Salvation), a novel by this week's guest Zip Rzeppa. http://catholicmarriageday.com (Catholic Marriage Today) http://matermedia.org (Mater Media) The Wanderer Catholic Newspaper. Get one month for one dollar by texting the word “news” to 830-331-5729. https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=85YEDSUJHVN42&source=url (Help Keep the Joe Sixpack—The Every Catholic Guy Apostolate Alive) FOR CHECKS: make checks payable to Cassock Media, P.O. Box 41, Villa Ridge, Missouri 63089 https://app.getresponse.com/site2/joe_sixpack_answers/?u=BhGUM&webforms_id=YZQe (I Want To Learn More About The Catholic Church!) https://mariancatechist.com/product/basic-catholic-catechism-course/ (Marian Catechist Apostolate Basic Course) https://www.avoicelikebutter.com/ (Rick Stender)—Official Voice of The Cantankerous Catholic SubscribeMake sure you never miss an episode of The Cantankerous Catholic by subscribing through one of these links, or wherever else you get your podcasts. https://thecantankerouscatholic.captivate.fm/listen (Subscribe to The Cantankerous Catholic here) Catholic News Notes#5 https://www.dailywire.com/news/key-democrat-senator-wants-to-nuke-voting-on-bidens-colossal-3-5-trillion-wish-list-bill (Key Democrat Senator Wants To Nuke Voting On Biden's Colossal $3.5 Trillion Wish List Bill) #4 https://www.dailywire.com/news/big-blow-to-biden-senate-parliamentarian-rules-citizenship-path-for-illegals-cannot-be-in-3-5-trillion-bill-report-says (‘Big Blow To Biden': Senate Parliamentarian Rules Citizenship Path For Illegals Cannot Be In $3.5 Trillion Bill, Report Says) #3 https://www.washingtonexaminer.com/news/congress-house-plans-vote-on-spending-and-infrastructure (House schedules votes on government funding, abortion access, and Biden infrastructure package) #2 https://www.foxnews.com/politics/former-joint-chiefs-of-staff-chair-kabul-airstrike-accountability (Former Obama Joint Chiefs of Staff chairman calls for accountability for botched drone strike) #1 https://catholicvote.org/outrage-over-viral-video-of-unwilling-toddler-forced-to-wear-mask/ (Outrage over Viral Video of Unwilling Toddler Forced to Wear Mask) Catholic BootcampThis week Joe Sixpack—The Every Catholic Guy's Catholic Bootcamp is titled Domestic Prophet, Priest & King. Catholic QuotesThis week's quote is from St. Gerard Majella. Catholic StoriesThis episode features a story about a Jamaican teenager. Joe Sixpack's Stuffhttps://www.joesixpackanswers.com/ (JoeSixpackAnswers.com) https://cantankerouscatholic.com/product/secrets-of-the-catholic-faith/ (Secrets of the Catholic Faith) by Joe Sixpack—The Every Catholic Guy https://cantankerouscatholic.com/product/the-lay-evangelists-handbook-how-any-catholic-can-evangelize-anyone/ (The Lay Evangelist's Handbook) by Joe Sixpack—The Every Catholic Guy https://cantankerouscatholic.com/product/the-best-of-what-we-believe-why-we-believe-it-volume-one/ (The Best of What We... Support this podcast

Joey P. and Yates welcome Eric Moody (PFN) to discuss the waiver wire adds and drops for Week 3 of the fantasy football season. Sponsors: DraftKings - DraftKings -- the Official Daily Fantasy Partner of the NFL -- is putting you in the center of the action for Week 3. Download the DraftKings app NOW and use code FANTASYPROS. This week, new customers can get a free shot at MILLIONS of dollars in total prizes. Enter code FANTASYPROS to get a FREE shot at MILLIONS in total prizes with your first deposit! TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Timestamps: What do you feel better/worse about? - 0:01:09 Ezekiel Elliott/Derrick Henry - 0:01:09 Daniel Jones - 0:02:32 News - 0:05:14 Carson Wentz - 0:05:14 Diontae Johnson - 0:06:31 PIT/LV - 0:06:46 Waiver Wire Pickups - 0:07:52 Tony Pollard - 0:08:41 Alexander Mattison - 0:10:36 J.D. McKissic - 0:12:27 Kenneth Gainwell - 0:13:35 Cordarrelle Patterson - 0:14:26 Sony Michel - 0:15:11 James White - 0:15:56 Zack Moss - 0:18:46 Ty Johnson - 0:19:41 Rondale Moore - 0:22:18 Henry Ruggs - 0:23:19 Tim Patrick - 0:23:53 K.J. Osborn - 0:25:19 Emmanuel Sanders - 0:25:51 Darnell Mooney - 0:28:44 Cordarrelle Patterson - 0:30:13 Henry Ruggs - 0:31:28 Derek Carr - 0:36:15 Daniel Jones - 0:38:34 Teddy Bridgewater - 0:40:37 Sam Darnold - 0:41:10 Pat Freiermuth - 0:46:54 Austin Hooper - 0:48:27 Maxx Williams - 0:48:59 Rob Gronkowski - 0:50:27 DST Streamers - 0:53:02 LV DST - 0:53:56 CAR DST - 0:54:45 Drop or Keep - 0:55:38 Rhamondre Stevenson - 0:56:04 Giovani Bernard - 0:56:57 Terrace Marshall - 0:57:45 Marquez Callaway - 0:59:00

Zip it up and zip it out! Back at it once again with the new pod. On this episode Chris, Derick and Evan talk about the #realfreaks that wrote that Evil Dead (2013), how this fentanyl going around is no laughing matter, and Evan details his beef with Count Chocula. A lot of cereal talk on this one, you should probably should listen to this while you eat breakfast. Rest in peace Norm MacDonald and Tony the Tiger. Follow the fellas of the pod on Twitter! @imchrisislame / @evanzanycomedy / @whoaitsderick Follow the fellas of the pod on Instagram! @chrisislame / @evan_rollins_1 / @whoaitsderick

#145 | Vermont Gets Along

“Make Some (Joyful) Noise” A sermon preached by Rev. Ginger E. Gaines-Cirelli with Foundry UMC, September 12, 2021, the sixteenth Sunday after Pentecost. “New Day, New Way!” series. Texts: Psalm 100, James 3:5b-12 Water is absolutely necessary for life. Up to 60% of the human body is water. The whole creation depends on water in all its forms for life. Water can also be dangerous and destructive—storms, floods, undercurrents, and crashing waves can do so much damage. Anyone who's been responsible for maintaining any kind of building—home, office, church—has likely learned that water can be one of the most persistent and challenging issues to manage. In both my home and here at Foundry, I'm constantly reminded that water not carefully contained or directed will flow any and everywhere. A water spot in my bedroom ceiling doesn't necessarily identify where the water is breaching the roof, since water runs along any unbounded channel and finds a low place to seep into things. Over time, water causes rot and mold, rust and erosion.  Words are like that. Today we are given our every three years reminder from the epistle of James that our words can do serious damage. Words and language are, of course, beautiful gifts and provide ways for us to communicate and connect with others, and to describe our deepest thoughts, feelings, and truths. I imagine most of us could tell of a time when someone's words encouraged, comforted, affirmed, or inspired us. I remember once when I was feeling discouraged about things at a former congregation, a lay leader sent me a message with a list of all the things he saw that I'd helped to accomplish. Words of poetry, prayers, and scripture feed my spirit daily. My father was a man of few words and I have kept every little scrap of paper with any message he ever wrote to me. Words can be profoundly life-giving and sustaining.  But words can also do great damage. Like water, words that flow into places where there aren't good boundaries will just keep flowing, affecting everything and everyone they touch. And hurtful words do damage. Thoughtless slander or careless conjecture or cruel teasing or hateful speech hurt feelings, wound relationships, and erode a person's confidence, trust, peace, and joy. I imagine all of us can think of words spoken to us or about us that have left deep scars on our hearts and spirits. The hurtful words are so difficult to shake. I've found over the years that, along with small towns like the one I grew up in, workplaces and churches are super skilled at being “set ablaze by a small fire.” The “small fire” of gossip might be what someone thinks is a benign snippet of hearsay or might be a story shared for the purpose of venting or expressing disdain or judgment. But fire, like water, will spread and flow unless it is properly managed and contained. And a juicy little tidbit is fun to receive and to share and so, often, is not contained. Better to put that tidbit in a sealed doggy bag and let it sit in the fridge until you've forgotten it's there and then, eventually, throw it out because you realize it isn't something that's nourishing or necessary. In other words, contain it. Zip it. These days, most of us know something about triangulation—that dynamic where two persons are in conflict and one or both of them try to draw a third person in to try to gain personal validation or support for their cause. That creates fertile ground for talking smack about the “other” person. If you've gathered around a fire and choose to chime in or pile on, you are—to work with the metaphor—throwing fuel on the fire and making it bigger and more damaging—not just to the person but to the whole community. Fires destroy things and hurt people. I find that anyone involved in leadership for human community needs skills in this kind of firefighting.  There are appropriate ways and places to share concerns and to work through conflict. In any human community, there will be conflicts and disagreements. We will hurt one another sometimes. It's not that we are supposed to pretend tensions don't exist or to ignore hurtful behavior. But where do we take our concern and what kind of words do we use in processing and sharing it? The call and challenge is to be more like Jesus in the midst of conflict. That means at its most base level that you're not out to get people, that you don't seek to hurt someone, or to turn people against others, or to trample on the dignity or heart of someone. It means the goal is not to “win” but to seek mending and reconciliation. Sometimes reconciliation is not possible or safe and setting boundaries becomes particularly important. But regardless of the larger context or outcome, we can always choose whether, how, and to whom we speak about it. // I don't think the message from James is just about being “nice.” It is about what we create or destroy with our words. Those who study linguistics help us understand that words are both descriptive and formative. In our own scriptures, we have the ancient story of God speaking creation into being. Words created realities. Words create realities. Certain words evoke certain kinds of responses—both of thought and feeling. The sound vibration or energy of words affect things for good or ill. If a child is surrounded by bruising, belittling speech, it's not just the meaning of the words, but the energy in the words, that will affect the formation of that child's thinking and language and life. And the opposite is true as well. James doesn't mess around in describing how dangerous human speech can be. The human tongue is, “a restless evil, full of deadly poison. With it we bless the Lord and Father, and with it we curse those who are made in the likeness of God.” (James 3:8-9) In our society—and in churches that gather on Sunday to bless the Lord!—all sorts of derogatory, dehumanizing words get applied to people—sometimes certain persons, often whole groups. And when it becomes normalized over time to use and allow such language to land upon the bodies and lives of human beings, it becomes much easier to allow injustice or violence to land upon those same bodies. If a person is repeatedly spoken of not as a person but as an enemy, an animal, a criminal, a disease, a sin, eventually, for those who don't know better, that person becomes what they are called. So why not act toward them with contempt, rejection, or violence? We bless or curse, we honor or exclude, we build up or tear down, we create or destroy, with the words we speak. This is why we labor at Foundry to take care with our language. It's not about being “politically correct” or proving that we're “woke” or virtue signaling. It's about trying to be humble before God and loving toward neighbor. We try to use a mix of images and genders for God so as not to put God in a box or presume any one thing can describe the beauty and transcendent being of our Creator. We seek to dismantle certain patriarchal words like “Kingdom” so that the word—“Kin-dom”—might invoke a love-infused, dynamic, communal vision for creation instead of any negative baggage from historical experience of earthly kings and kingdoms. Our staff clearly identify our pronouns as a way both to share ourselves in relationship and to practice radical hospitality by acknowledging and honoring the diversities of gender identities among us. In worship we invite “rising” instead of “standing” and we “receive” instead of “hear” what Spirit is saying—to honor the physical abilities of all persons. There is much I could say about all these pieces, but for today, I simply want to emphasize that we try to use language that blesses, builds up, and honors all the members of the family.  As we seek to practice radical hospitality and create beloved community, our care with language is so important. Our Foundry family is comprised of persons from a beautiful diversity of cultures, ethnicities, races, gender identities, and sexual orientations. This creates opportunities to expand our awareness and understanding of human experience. It also creates opportunities to step in it and do harm. There have been times when I have stumbled over a colleague's preferred pronouns. There have been times when I have said something and, even as it was coming out of my mouth, I realized how the words literally dripped with race or class privilege in a really unhelpful and uncomfortable way. This stuff happens as we are learning and growing in community.  The point is not that we are expected to understand and master new ways of speaking and engaging immediately or without practice. The point is that we are invited to practice, to be thoughtful, respectful, curious, and humble in the presence of those whose lives reflect back to us new ways of perceiving and experiencing life. You may have thoughts, feelings, and opinions about things. But what if you brought those things into conversations with true, open-hearted curiosity, instead of with pronouncements that—whether you mean to or not—belittle or disrespect a sibling's lived reality? Our world is full of harmful words, careless words, bullying words, disrespectful and dehumanizing words—splashed across every kind of media and infiltrating all the places we are. I pray that Foundry will be a community in which we seek a different way—that when we engage in relationship with one another, we will practice with one another a different economy of speech.  What if we intentionally tried to let our words be measured, fair, and shared in appropriate ways and places; to take a breath and take thought before speaking—especially before speaking about someone; what if we intentionally tried to engage in direct conversation with a person with whom we may have an issue, seeing that person as worthy of such respect. What if we listen more and speak less in spaces where others challenge what is familiar or comfortable for us—and enter into the conversation with humility and curiosity? And when we speak words that hurt, as we inevitably will, what if we were willing to ask for forgiveness; and when words have hurt us, to be willing to extend grace? Today, our Psalm calls us to “make a joyful noise unto the Lord!” And my guess is that it is not just our praise, gratitude, and love for God that is received as a “joyful noise” in the heavenly places. I imagine that God is aware of a whole lot of noise in the world—noise rising out of destruction and denial and the babble of hubris and thoughtlessness. We are invited today to make a noise that gives God joy, perhaps some loving, gracious, thoughtful words… And knowing that we won't always get it right, let's joyfully “give thanks to God and bless God's name” because we know God's steadfast love and mercy endure forever!  https://foundryumc.org/archive/new-day-new-way

Joey P., Dan, and Yates are all here to share their favorite pickups heading into Week 2. Sponsors: DraftKings - DraftKings -- the Official Daily Fantasy Partner of the NFL -- is putting you in the center of the action for Week 2. Download the DraftKings app NOW and use code FANTASYPROS. This week, new customers can get a free shot at MILLIONS of dollars in total prizes. Enter code FANTASYPROS to get a FREE shot at MILLIONS in total prizes with your first deposit! TickPick - TickPick, the original no-fee ticket site, is teaming up with ZIP, the buy now, pay later service provider, to give away five huge season ticket packages for the 2022 season! You can try your luck today and enter to win by going to TICKPICK.COM/PROS. Timestamps: Elijah Mitchell - 0:06:32 Kenneth Gainwell - 0:12:32 Tony Jones Jr. - 0:18:49 Mark Ingram - 0:20:53 Tim Patrick - 0:21:48 Christian Kirk - 0:25:32 Rondale Moore - 0:30:22 Terrace Marshall - 0:32:11 DeVante Parker - 0:36:22 K.J. Osborn - 0:38:53 Aaron Rodgers - 0:42:23 Jameis Winston - 0:43:48 Ben Roethlisberger - 0:45:58 Tyrod Taylor - 0:46:40 Gerald Everett - 0:47:54 Cole Kmet - 0:48:43 GB DST - 0:50:23 NO DST - 0:50:51 Drop or Keep - 0:52:27 Darnell Mooney - 0:52:43 Phillip Lindsay - 0:53:12 Elijah Moore - 0:53:42 Tyrell Williams - 0:54:26 Russell Gage - 0:55:14 Michael Carter - 0:56:03 Week 1 Takeaways - 0:57:28 MNF Bold Predictions - 0:59:09

Hey peaches! Welcome to another episode of the Peach, Please! Podcast! This week I have such a special treat for you! I am talking to Nadia Bourjarwah, the Co-Founder and CEO of Dia & Co, the leading clothing and lifestyle brand for style in sizes 10-32. Nadia Boujarwah is the Co-Founder & CEO of Dia & Co. Growing up, Nadia struggled to find stylish clothing in her size. She knew she wasn't alone, so she teamed up with her Harvard Business School classmate Lydia Gilbert to transform the shopping experience for the 100 million plus-size women in America. Dia & Co stylists work with top brands — from industry staples to up-and-coming young designers — to provide each customer with curated looks to suit her unique style and shape. Dia has a dedicated and diverse customer base crossing all 50 states and more than 80 percent of ZIP codes. Prior to founding Dia & Co, Nadia worked as an investment banker at Perella Weinberg Partners, and most recently served as COO and CFO of New York-based jewelry brand Frieda and Nellie. With a Cuban mother and a Kuwaiti father, Nadia hails from both Miami and the Middle East, and is currently based in New York. Check out Dia & Co at www.dia.com and on Instagram @diaandco And you can connect with me in the following ways: IG, TikTok and Twitter @katieiswinnen Email me! peachpleasepodcast@gmail.com Bye peaches!

ZIp interviews Drool Bucket before he needed a nap. Unvaxed sperm donors making a fortune. We wont see Ric for a few weeks. The Pod:

STEVE SINGS THE STANDARDS! No longer will the rest of The Steve Miller Band be holding Steve Miller back on his first and only solo album, an album of jazz and blues covers. Where do jazz and blues meet? Does anyone remember the UPN show "Shasta McNasty"? What songs have you heard the most in your life? Did Steve pass his test? Did he play it too safe? Did he at least use a clean tone? Should you ever open an album with "Zip-a-Dee-Doo-Dah"? If Steve was going to pretend to be Les Paul, shouldn’t he have got someone to be his Mary Ford? Is "Hudson Hawk" any good? If this is a passion project, where is the passion? We'll try and uncover the truth behind all of this on this episode of Detours and Outliers.

Alison explains how she feels she wasted 30 years avoiding the things she loved to do and the disruption this caused managing life in a morbidly obese body. Alison had many moments and experiences within those 30 years that were warning signs of her weight issue. Alison opens up about an experience of a fair ride and what she describes as a walk of shame when the seat belt to the ride didn't fit. Moments like these were embarrassing for Alison yet she walked from the ride exit straight to the candy floss stall. Alison knew her sweet tooth didn't help her health journey but during this time Alison explains that she was in denial at how big she had become. With poor physical and mental health, Alison felt very low and antidepressants had been prescribed. High blood pressure and diverticulitis were other health problems that Alison had to deal with and even when Alison's was severely ill this still wasn't the turning point. Luckily all this changed and if you're in need of some honest heartfelt motivation if you want to hear what true success sounds like Alison will amaze you in this episode. Alison, motivated by the task of sharing care for her Grandson went onto lose 11 and a half stones and no longer receives any medication! Alison's blood pressure is now normal and she no longer receives medication for antidepressants. Alsion's change of diet has helped the symptoms she had experienced with Diverticulitis so much so that she no longer experiences symptoms. Alison's 60th birthday celebrations included a Zip wire in Wales! Something that Alison is now free to enjoy, a new health journey is laid before her and new experiences await. If you would like to follow Alison on Instagram her Instagram handle is  You can subscribe to my new email list to experience the joy of pure relaxation with a free hypnosis audio track. Click below to subscribe to my new email list: claireoldhamwest.com

This episode is brought to you by the Blue Cross Blue Shield Association. Blue Cross and Blue Shield companies are in every ZIP code in every state, working to improve health and expand access to care. Community by community. For the health of America. Today we're focusing in on rural behavioral health, looking at Montana as an example for some of the barriers we're seeing nationwide, and a model for potential solutions to these challenges.   I'm joined by two experts providing the clinical and insurer perspectives:   Julie Kelso, a board-certified adult psychiatrist who served at the Billings Clinic from 2007-2021 as Department Chair, Program Director for the UW Montana Track psychiatry residency and medical director of Integrated Behavioral Health. Now at Riverstone Health in Yellowstone County, she's a collaborative care psychiatrist.   John Doran is the Divisional Vice President of External Affairs at Blue Cross and Blue Shield of Montana. With a background in journalism and communications, John oversees all government, public and media relations, community outreach, and corporate strategy for Blue Cross and Blue Shield of Montana.

Zip up your wetsuit and get ready for your first day aboard Sealab 2021. This Week's Picks "Hey, You Kids!" by The Impossibles "Rich People Are Stupid" by Ball Park Music "Ocean Man" by Ween Related Links Sealab 2021 The Playlist No Repeat Playlist on Spotify No Repeat Playlist on Apple Music B-Sides Unofficial B-Sides Playlist Support the Show No Repeat on Patreon Submit a Challenge No Repeat on Twitter Email us: norepeatpod[at]gmail[dot]com Follow Us Follow Tyler on Twitter Follow Shaun on Instagram Follow Taylor on Twitter  

Zip the Yorkie meets Bruce the St. Benrard on a walk. The little dog is so excited, he yips and yips away. Will he notice how his new friend is feeling?

There's a 12-year difference in the life expectancy of people who live in the ZIP codes that house the Grier Heights Community Center and the Mint Museum's Randolph Road location, according to U.S. Census Bureau data. The neighborhoods are just a three-minute drive apart. We take a deeper look and ask local and national experts about the social drivers of health and how those factors impact life expectancy.

This week Erica C. Barnett of Publicola joins Crystal to dive in to the breaking news about Mayor Durkan intentionally causing her texts from last summer to disappear, why folks experiencing homelessness face more harm from congregate shelters than from encampments, the deep deficiencies of "Compassion Seattle" Charter Amendment 29, and the map of González versus Harrell voters breaking down clearly along income lines. As always, a full text transcript of the show is available below and at officialhacksandwonks.com. Find the host, Crystal Fincher on Twitter at @finchfrii and find today's co-host, Erica C. Barnett, at @ericacbarnett. More info is available at officialhacksandwonks.com.   Resources “Mayor's office knew for months Durkan's phone setting caused texts to vanish, emails show” by Lewis Kamb, Daniel Beekman, and Jim Brunner of The Seattle Times: https://www.seattletimes.com/seattle-news/mayors-office-knew-for-months-durkans-phone-setting-caused-texts-to-vanish-emails-show/  “When a homeless encampment was cleared, no one went to a shelter. The reasons are complicated” by Daniel Wu from The Seattle Times: https://www.seattletimes.com/seattle-news/homeless/when-a-homeless-encampment-was-cleared-no-one-went-to-shelter-the-reasons-why-are-complicated/  “The C Is for Crank: Correcting the Record on Compassion Seattle” by Erica C. Barnett from Publicola: https://publicola.com/2021/07/13/the-c-is-for-crank-correcting-the-record-on-compassion-seattle/  “The City's Progress Report on Homelessness Is Also a Reality Check” by Erica C. Barnett from Publicola: https://publicola.com/2021/07/27/the-citys-progress-report-on-homelessness-is-also-a-reality-check/  “Beware of the feel-good news story” by Samantha Grosso from Vox: https://www.vox.com/identities/2019/11/26/20982211/feel-good-news-inspiration  “2021 Primary Precinct Results Show Familiar Rich vs Rent-burdened Battle Lines” by Doug Trumm from The Urbanist: https://www.theurbanist.org/2021/08/19/2021-primary-precinct-results-show-familiar-rich-vs-rent-burdened-battle-lines/  "In King County, pollution makes ZIP codes predictors of your health" from University of Washington: https://depts.washington.edu/urbanuw/news/in-king-county-pollution-makes-zip-codes-predictors-of-your-health/  “National Environmental Public Health Tracking: Community Design” from the Centers for Disease Control and Prevention (CDC): https://www.cdc.gov/nceh/tracking/topics/CommunityDesign.htm “Fine particulate air pollution associated with higher risk of dementia” by Jake Ellison from University of Washington: https://www.washington.edu/news/2021/08/04/fine-particulate-air-pollution-associated-with-higher-risk-of-dementia/  “King County rent relief still slow to reach tenants” by David Kroman from Crosscut: https://crosscut.com/news/2021/08/king-county-rent-relief-still-slow-reach-tenants  “The Severe Health Consequences of Housing Instability” by Frances Gill from The People's Policy Project: https://www.peoplespolicyproject.org/2018/07/09/the-severe-health-consequences-of-housing-instability/    Transcript:   [00:00:00] Crystal Fincher: Welcome to Hacks & Wonks. I'm Crystal Fincher, and I'm a political consultant and your host. On this show we talk with policy wonks and political hacks to gather insight in the local politics and policy in Washington state through the lens of those doing the work with behind the scenes perspectives on what's happening, why it's happening and what you can do about it. Full transcripts and resources referenced in the show are always available at officialhacksandwonks.com and in our episode notes. Today, we're continuing our Friday almost live shows where we review the news of the week. Welcome back to the program, friend of the show, and today's co-host, Seattle political reporter, editor of PubliCola and author of Twitter, a Memoir Of Drinking Relapse And Recovery, Erica Barnett. I was just having a conversation with a friend who was in the middle of reading your book and they were loving it. [00:00:51] Erica Barnett: So awesome. That's so good to hear. [00:00:53] Crystal Fincher: Yes. And it's now available in paperback. So pick it up wherever you pick up your books. Well, I wanted to start off by talking about news that broke... Well, kind of news. More news about Mayor Durkan's missing texts and missing texts from the mayor's office. The mayor knew for months, the office knew for months what was causing those texts to vanish. They were acting like it was a mystery, not sure what happened, but a review of messages and the fruit of public disclosure requests reveal that they've known the whole time because they did it. What did you think about this story? [00:01:27] Erica Barnett: Well, I mean, as you said, it's breaking news that's not really breaking. I mean, anybody reading these stories that have been coming out in The Seattle Times over the last few months is probably scratching their head going, "How could you just accidentally on purpose delete months of texts?" And of course it was done intentionally. I mean, it reminds me a little bit of like, when celebrities say something really inappropriate on social media and then claim that their Instagram was hacked or their Twitter was hacked. I mean, it was never a particularly believable excuse that somehow there had been a technical glitch that had conveniently deleted months of texts relating to the protests last summer. And as we're finding out more details, of course, it's coming out, that they were not believable because they were not true. So it's a real bummer for the city that they're going to have to be dealing with this and the city attorney's office is going to have to be dealing with this for months, if not years after Jenny Durkan leaves office, because there are more important things in the city to be handling. And the lack of disclosure and the decision to deny information to reporters, including myself, is going to have ramifications long after this particular mayor leaves office. I mean, I hope it ultimately leads to some stricter public disclosure requirements at the city. State has pretty good public disclosure laws, in my opinion and the problem is always in the implementation and in people taking them seriously or not. [00:02:56] Crystal Fincher: Yeah. It is. And whether people take them seriously and I'm still frustrated at the different levels of accountability that we hold our powerful privileged and some public officials to, this is a potential felony. Jenny Durkan, on purpose, changed a setting to cause those texts to automatically be deleted after a set period of time, which was not legal, which is a potential felony. This is a former federal prosecutor who is intimately familiar with disclosure requirements and rules. And I mean, there's a reason why a former federal prosecutor might be concerned about what things may look like if they got out and with an understanding of how to prevent the facts from getting out. This is a mayor who had to go through remedial disclosure training while during her tenure in the city. This is not an accident. This was completely on purpose. This has been a whole charade about, "Well, we're not sure. Who knows. We can probably find and recover this information," and it's so disappointing. It's already cost taxpayers over $200,000, and we're just at the beginning of this process and just... It is so infuriating, it's infuriating. It's frustrating. [00:04:14] Erica Barnett: Well, it's interesting too, the mayor's office. I mean, this information came to The Seattle Times through public disclosure requests. And my understanding at least, in my own personal experience is that the mayor's office is having to go back with a new person, doing these public disclosure requests and essentially redoing them to... And this is not just with regard to text messages, but also emails. I, last week, received some emails from the mayor's office that included her personal city email address, which I have never received a single email that I'm aware of, or that I can recall. It jumped out at me that, oh, all of a sudden, there's this huge batch of emails that has the mayor's actual direct email address on them that came to and from the mayor. I've never received those. Is that because this was just a coincidence that finally, when they were being done by someone working under duress and pressure that they actually turned them over, or is it just while she just never uses this address? I mean, I have no real way of knowing, except that now my public disclosure request responses look very different than they have for the previous three and a half years of this administration. [00:05:20] Crystal Fincher: I, again, just so frustrated. And part of my frustration is that some of this looked apparent. I mean, you certainly called attention to general obfuscation of facts, hiding information, unwillingness to speak to people who they didn't view as friendly to them or willing to carry their talking points. And I think now people... There've been so many mistakes and so many missteps that Durkan has few allies left anywhere, but we could have avoided some of this if the scrutiny that was applied to different officials certainly applied to the city council was applied to the mayor's office from the beginning. So I hope this is a lesson that people from all across the board from all sectors, from all areas pay attention to. Even if you feel like someone is an ally, you still have to hold them accountable. And wow. That just did not happen with Jenny Durkan and I'm thankful it is beginning to happen now. [00:06:22] Erica Barnett: Well, then the election is in just a few months. So we're going to have a new administration, and hopefully this will not continue into the next one. [00:06:33] Crystal Fincher: Absolutely. This week there was a great story in The Seattle Times that reminded me of several stories that you've done on PubliCola, going deeper than just talking about yes, the homeless... We have more unsheltered people. The issue of homelessness is more apparent and present than it's been in our lifetimes. And the reason why people are on the street and not in shelter, sometimes even when shelter space is available is not a simple one. But there are legitimate reasons why people don't want to go to congregate shelter and it's because many of them feel and have experienced more danger in some of those congregate shelters than they have in encampments outside. You've reported on that. There were also shelter acceptance numbers released this week. What have you seen on that? [00:07:22] Erica Barnett: Well, I mean, I think that it should be self-evident to anyone just thinking about themselves and their own life. Just thinking about the way human beings are that, first of all, people don't like to... It is not desirable to sleep in a big room with no privacy, with no safety, with no guarantee that you're going to have a bed in the morning. So that's basic congregate shelter. The city of Seattle has largely moved away from that to enhanced shelter but what that is is slightly less congregate, generally dorm style rooms. You have a little bit of privacy, but I mean, that is still really less than ideal, particularly if you've experienced trauma or violence or had your stuff stolen, or even if you just can't be in a room full of people. For whatever reason, sleeping in a room full of strangers is not appealing to me. And frankly, I've thought about this a lot, if I became homeless myself, I would much rather have some privacy, some sense of safety in a group of people that I know, which is often the case with encampments. People get to know each other, they protect each other. They look out for each other. And so when the option then the city comes through and sweeps and encampment of, say, 30 people who all know each other, who all trust each other, and maybe don't trust anybody else because life has taught them not to trust people, and tells them, "You all have to go to different shelters across the city and you can't take your pets or you can't take your partner," because a lot of these shelters are sex segregated, "You got to get rid of all your stuff." It's not an appealing prospect. So the numbers that came out recently show that the shelter acceptance rate, which is an unfortunate term, because it implies you're accepting or rejecting an option that is great, which is really simplistic, but the shelter acceptance rate went up in this last quarter because people are going to the hotels the city has provided, and that's great. Hotels are a much better option than enhanced shelter. But I think that the city is touting it as this incredible achievement, but I think it really speaks more to the fact that the city failed for months and months and months to accept money and to open up shelters in hotels for people. And now, we have just 200 or shelter rooms in hotels for the thousands and thousands of unsheltered people in our city. So the fact that those hotels filled up is not something to be celebrated in an unadulterated way. It's great that some small, tiny percentage of people were able to move into them, but it is still a small, tiny percentage, and the city should've done more and could have done more, much, much, much earlier. And under the Durkan Administration, they chose not to. [00:10:03] Crystal Fincher: Yeah. and this has been a longstanding problem. It's one of those things that they announced a celebration. I'm sure Durkan is thinking about her legacy and trying to put a good spin on things before she makes her final exit from the mayor's office. But it reminds me of those stories that are presented as feel good stories, like this kid sells lemonade and raises $2,000 for his mom's cancer treatment. And it's just like that is not a happy story. That's a story of failure and burden and deep inequity. And this is what that reminds me of. Compared to the need, we were talking earlier, you mentioned the latest one night count number for unsheltered people in Seattle was around 5,500, and that's usually a dramatic undercount. So using that as a starting point, a very conservative figure, looking at the numbers that the mayor's office is touting is just so woefully insignificant when we do have information on what helps. And it does not escape my notice that what helped make a big dent in that was providing the hotel rooms, which the mayor's office dragged their feet on and didn't get a fee reimbursement for it. It just seems like it's been like pulling teeth to make any progress on the things that have data behind them that we know work. And it's like, "Oh, finally, I did the things that I've been resisting that you have been begging me to do that we know work. And whew, success." And it's just like, "We could be so much further along if you would've just done it sooner." [00:11:34] Erica Barnett: and I will say too, this really speaks to the oversimplification that Compassion Seattle, the homelessness initiative, is doing, because they're saying, basically, "We'll clear the streets." And by that, they primarily mean Downtown Seattle, which is where all their money is coming from. "And to do that, we're going to provide 2,000 shelter beds." It shows how little the backers of that understand about why people accept shelter and why people reject shelter. Again, I don't love those terms, but if you are going to do shelter on the cheap, which is what Compassion Seattle is essentially proposing, you're going to get shelter that people don't want. You're not going to be able to pay for 2,000 permanent or semi-permanent hotel rooms using that money, that Compassion Seattle is proposing to require the city to spend. It's not going to be enough money, and it can't be done that quickly. As we're seeing with the county, it takes time to buy hotels, et cetera. It's just, we have a very oversimplified idea in the city and probably in this country as well of what people actually need, because we think of people too much as just widgets we can stuff into boxes. As we've seen over and over again, they're not, and they have preferences and freewill and choices to make in their lives, just like everybody else. [00:12:58] Crystal Fincher: Absolutely. And make them just like we make decisions. As you pointed out, would any one of us be excited to spend the night in a room with no walls, with no doors, with a ton of people who we don't know, when we've heard others have had bad experiences in that situation? Absolutely not. That would wear on us after a short period of time. And we're asking people who already are dealing with challenges that are only intensified by being unsheltered to enter into a dangerous and destabilizing environment, and it just makes no sense. I do appreciate that Seattle Times article this week, we'll link it in the episode notes, for making that plain and for really talking about the reasons why what is offered does not fit the need and is actually not a fit or a solution for the problem there. And thank you for pointing out that Charter Amendment 29, known as the Compassion Seattle Charter Amendment, it doesn't provide enough time, it doesn't provide enough money, it doesn't enough shelter to begin to meaningfully address the challenges out there. The amount of shelter they say they're going to provide accounts for less than half of the very most conservative estimate of the need out there. So really, the only change that is definite and codified into the city charter is the ability to sweep people, which is what the financial backers of this initiative have been advocating for, and it's not a surprise that that is really the only thing with teeth and specificity in this initiative. And so I hope we have a more robust and full conversation about that generally throughout this general election time period. There is a lawsuit that the ACLU of Washington, How's Our Neighbors, they've sued that initiative, basically saying that it operates outside of the authority of a charter amendment and is getting into policy details that it is not authorized to do. We'll see how that pans out, but certainly I'm concerned that we're not paying attention to people saying, "This is actually what would help," the people who are most in the position to know what would actually help, and why things that are being offered aren't helping, and it's up to us to listen and respond. I also want to talk this week about a story that I think The Urbanist did a great job in breaking down, which was the 2021 primary precinct results. Now that we finalized where we are at in this election, we have the precinct by precinct results. They've mapped those results, and then also did a really smart analysis on just what that means. And what we see is something that's been familiar to us throughout several elections, where areas of Seattle that are more single-family exclusive, basically people who are well-to-do and wealthy, voted one way, people who are rent burdened voted a different way. And so this is a familiar looking map, but it also discusses also not just the population growth in Seattle, which I've talked about before as being a unique factor in elections here that we don't see in a lot of other areas, because there's been so much growth, even things that happen 5 and 10 years ago are unfamiliar to a significant portion of the population here, like Pete Holmes, his history, and what happened before Ed Murray, and all of that stuff may not be familiar to the tens of thousands of people who weren't here before then. And so, not just that Seattle has grown, but where that growth has occurred and what that suggests about potential voting patterns was discussed in this Urbanist article by Doug Trumm. What do those results look like to you? [00:16:40] Erica Barnett: Well, it feels like every two years or every four years we look at these maps, and it shows that if you have a view of the water, if you live in an exclusionary single-family area, you tend to vote more conservative. I mean, I do think your point is well taken, Crystal. The number of people who are moving here from elsewhere and don't have the same history is going to, eventually, one hopes, reshape our voter map in a more progressive direction. To bring it down to like a very wonky level, and I think this is where Doug took it too, if the city chooses not to do anything about the zoning problem, which is fundamentally a problem of being able to rent in Seattle and the ability of people like me and people who don't make $200,000 a year to live here, that is going to largely determine the course of our future elections. Bruce Harrell has said very, very clearly that he wants to preserve single-family zoning. And in fact, he of all the candidates in this primary election, he was the most clear on this one issue, which is that single-family zoning is extremely important to him and that he believes that we should only allow apartments along essentially car sewers, busy arterials, which is the current situation. And when you have that, what happens is there's not enough housing, people who make under $100,000 a year move out to Issaquah and vote Kathy Lambert out of office maybe, but they're not here to vote for progressive candidates or for more progressive candidates in Seattle elections. I really think that this issue, I mean, it's a bit of a sleeper issue amid all the discussion about homelessness, but it's very related. Lorena González who wants to eliminate the exclusionary single-family zoning map that we've had for many decades now, and Bruce Harrell wants to preserve it as it is with maybe a little bit more density right along those big busy streets. And that is a huge, huge decision that's going to shape the future of our city and who can afford to live here and call it home. [00:18:56] Crystal Fincher: It absolutely is huge and has been a big topic discussion throughout the mayoral race. Look like Bruce Harrell was initially a little bit more muddy on where he stood there, and certainly initially gave indications that he may be open to addressing exclusionary zoning. But as time moved on as we saw his donor list and the list to the PAC supporting him, you get filled with some of those more traditional, downtown conservative interests that talk crystallized on exactly what you said, "Hey, in areas that are already dense, we'll have them accept more density, but we're going to leave those exclusive previously red lined areas alone." And people keep remarking on maps of Seattle. Just like when there's a voting map and there's a map of health outcomes, when all these maps come out, they're really racial and income disparity maps. That's really what we're looking at with every single map that comes out. And unless we change that dynamic, fundamentally, overall, as many cities are doing, I mean, shoot, Olympia is moving in that direction. Portland, so, they're moving in that direction. Unless Seattle does that, we are not going to change this underlying dynamic, which impacts everything. So it's absolutely critical to focus on that issue, to understand where the candidates are. And there is a clear choice in this campaign between Bruce Harrell and Lorena González. And in my opinion, only one of them is offering a solution that will begin to break this disparity that we see over and over again, throughout every election and through so many issues. [00:20:37] Erica Barnett: Just to pinpoint another issue of racial justice, it's income, it's racial equity, but it's also I think more and more about environmental justice, the environmental justice impact of telling people they have to live on these busy streets. And not every arterial is like a zooming highway, but the fact is when you live on a busy roadway with cars on it all the time, your health outcomes are worse. And if you look at racial mapping of Seattle, if you look at income mapping of Seattle and you look at health mapping, it all correlates, and it's in those areas where people live on freeways, where they live along busy six-lane arterials that you see worse health impacts. And so, when we say that, "Oh, we should confine density to these specific areas," what we're also saying is we should confine disparate health impacts to certain areas. So I think for Bruce Harrell to be making that argument is really something people should be looking at and considering as they vote. [00:21:36] Crystal Fincher: Yeah. We're really saying we accept illness in these areas. We accept that we are going to force asthma and heart disease and lung disease in these areas. There are up to 10 years difference in life expectancy within different zip codes in Seattle, primarily due to environmental impacts and racial disparities that we see with that. There's been great data that's come out of the University of Washington over the past several years about this, but it is not minor. And again, we're talking about years of someone's life. Just thinking about how impactful that is, it is unacceptable. And the reason why this doesn't happen in other neighborhoods is because they have the resources to fight for something and to really move the levers of power and get listened to when they find something unacceptable. It's not an accident that this is not happening in affluent areas. What we should be looking to do is say, we deserve every opportunity to be healthy and to thrive as the people who can afford to today. And things are going to have to change in order to make that happen. [00:22:45] Erica Barnett: Absolutely. [00:22:47] Crystal Fincher: Now, another issue that is major, that there was a story about in Crosscut this week is about the rent relief being slow to reach tenants. We talked about this on the show with Rep. Debra Entenman, and she talked about the issue of some landlords being uncooperative through this process. Additionally, in this process, there are bureaucratic barriers that we're seeing. And we've had this long conversation over the past year-plus about the eviction moratorium and how critical that is to keep people in their homes. And, if you ask me, that was absolutely necessary. But that's always been a temporary solution. The only thing that's going to help is getting money in the hands of people or canceling debt, to account for these big rent balances that have been accumulating throughout the pandemic. The only thing that is going to fix this are these programs in this relief, like King County and other counties are in charge of administering. There's a significant amount of money available that can help thousands and thousands of people at risk of being evicted, but that help has been extremely slow to get out to tenants. And this is something that I hope we collectively pay attention to, shine a light on, put pressure on people to do more, to work faster, because this is the difference between people staying in their homes and getting evicted, and that the ability for landlords to evict people is coming up again soon. So if we don't get this money out, we're going to see some of the negative outcomes that we've been working so hard to fight for this long. What were your takeaways from reading the article and looking at this issue? [00:24:19] Erica Barnett: Well, I think you're right. I mean, the eviction moratorium does have to be, it is inherently temporary and I suppose it can just be extended again and again while they work out all these problems. But rent assistance, I mean, this is something we should learn from the pandemic, I think. It's better to find a way to pay people rent assistance than to let them get evicted and become part of the homeless population on our streets, which we have a lot more trouble dealing with than just paying people's rent. And so, if we can't set up these systems where the money gets to people through a less bureaucratic and a less time-consuming. So I mean, the problem seems to be, and I'm just reading the same article as you, but the problem seems to be a problem of bureaucracy, tracking people down, getting the money from the feds, to the county, to the agencies, to the people. And if we can't set up a system where this works efficiently at the end of this process, then the next time there is a big crisis, or arguably in the ongoing crisis that is the lack of affordable housing and a lack of affordability of this region, we're going to be screwed. I mean, I have always said that, and it is not just me, it is data supported that the best thing to do for people who are rent burdened is to help them stay in their homes by giving them money. And so, I would like to see out of this pandemic a more permanent system of doing that so that we don't have the homelessness crisis just continue to get bigger and bigger. Just the stress of dealing with tens of thousands of dollars in debt. I've been in debt in the past, without my housing being at risk, and it is incredibly stressful. And my heart goes out to all the people that are struggling with just the stress of that. I mean, even if the outcome in the end is that they get the money that is coming to them, I mean, it's a human tragedy beyond the level of people getting evicted and becoming homeless. I mean, it's a human tragedy that people are having to deal with the amount of stress that is caused by the situation that they did not cause, which is a global pandemic and unemployment and everything that we've seen over the last year and a half. [00:26:35] Crystal Fincher: Yeah absolutely, and I appreciate you mentioning that and bringing that up as someone who has also been both broke before, housing unstable, it is tremendously stressful. And there's also been a lot of research that's come out about that over the past few years, about just how much that toll, on top of everything else, takes on your health and wellbeing and ability to even function. That only gets worse if we allow people to then become unhoused. It becomes more expensive for us to publicly deal with it, the health and personal outcomes are certainly more pronounced and severe. And so we have to do everything in our power. And I hope, as Dow Constantine is working through this, these are primarily county issues, that he takes a laser focus on getting this money out to the people who need it. And a lot of it looks like, hey, people have a checklist that they're working on. They've got to tick down the checklist and, oh, there's a problem here, and we can't continue. One organization was rejecting around 75% of applications because they couldn't track people down, they didn't get all the information. That, to me, seems like a signal to go back, to take a look at the checklist and look at how you can work through those barriers, to get the resources to people who need them, how appropriate it is to have those barriers in the first place, and do we need more feet on the street, resources allocated to getting beyond those without just saying, "Well, we can't help." This is a crisis. This is a crisis. And we have to treat it like one and rise to the occasion with the appropriate allocation of resources and attention and energy. So we will certainly be following along with that. We thank you for listening to Hacks & Wonks on this Friday, August 20th, 2021. The producer of Hacks & Wonks is Lisl Stadler with assistance from Shannon Cheng and our wonderful cohost today was Seattle political reporter and founder of PubliCola, Erica Barnett. You can find Erica on Twitter @ericacbarnett, that's Erica with a C, and on publicola.com. And you can buy her book Quitter: A Memoir of Drinking, Relapse and Recovery, wherever you like to buy books. You can find me on Twitter @finchfrii, and now you can follow Hacks & Wonks on iTunes, Spotify, or wherever else you get your podcasts. Just type Hacks & Wonks into the search bar. Be sure to subscribe to get our Friday almost live shows and our mid-week show delivered to your podcast feed. While you're there, leave a review, it really helps us out. You can also get a full transcript of this episode and links to the resources referenced in the show at officialhacksandwonks.com, and in the podcast episode notes. Thanks for tuning in, we'll talk to you next time.

Zip a-de-do-da, zip-a-de ZipRecruiter! Since going public in May, the No. 2 job site in the US has been on a tear, and the boys outline everything, including a Facebook partnership and an assault on Glassdoor. We play Remote Rapid Fire and break down reopening headlines from Google, LinkedIn, Amazon and much more. And don't call it a comeback! Job boards are back in fashion, kinda like Cheesman's fanny pack. It's another blockbuster sponsored by Sovren, JobAdx, and Jobvite.