40 Burst results for "Covid"
A highlight from YSA Thoughts on YSA-Led Efforts
"As many of you know, we recently published three episodes from the new podcast called At the Table. This is produced by The Church of Jesus Christ of Latter -day Saints, and I had the privilege to help with this project as a consultant. After publishing the recent podcast on leading saints, those working at the church on this project were so impressed by the results and the feedback from the audience that they asked if we could share more episodes. Enjoy! And don't forget to send your feedback by taking the survey for each individual episode, which we will link in the show notes. help us all follow Jesus Christ together. I'm Jared Pearson, and I have the pleasure to be a co -host on the At the Table podcast. I'm currently in Provo, Utah, but I was born and raised in Livermore, California, right outside San Francisco, California. I ended up serving my mission in New Hampshire, the New Hampshire Manchester Mission, and some of my favorite things are playing pickleball, tennis, or staying inside playing some board games or reading books as well. And I'm just really excited to be part of this. My name is Kami Castrijon. I'm originally from Colombia. I was born and raised there, and I moved to the United States when I was 16. I moved to the big city of New York, and that's where I joined the church. And then soon after, I served my mission in Riverside, California. Then after my mission, I moved to Utah, and I've been here ever since. I love dancing, especially salsa, hiking, baking, and I am thrilled to be part of this amazing podcast At the Table. Welcome to the At the Table podcast. This is a debut podcast where we're going to discuss some important things having to do with YSAs and other people around the church and what new initiatives are going to happen. Specifically, we're going to follow some of the strengthening YSA principles that have been released by the church just recently. And here with us, we have a couple of new guests, and we'll go ahead and let them introduce themselves. My name is John. I'm originally from New Jersey, but I'm here in Utah at the University of Utah. I'm Mary, and I also live here in Utah. I like John, go to the University of Utah, lived here my whole life aside from my mission in Alabama. Well, awesome. We're happy to have you here. How long ago did you serve? I was there a little over two years ago, and I served in a little Spanish branch. Shout out to the Cahaba Spanish branch in Birmingham, Alabama. And then I served for 10 months on the campus at University of Alabama, as well as serving in the family ward there. I would translate all the sacrament meetings, and then I was called back to the Spanish branch to finish out the rest of my So mission. I got to know those two areas very well. They're very near and dear to my heart. That's awesome. John, did you serve a mission? Yeah, I did. I actually served here in Utah, just up in Ogden. So I didn't even know they needed missionaries here in Utah, but I guess so. Yeah, I was here about two years ago, and I loved it. So I just stayed. I just stayed here in Utah, and now I'm going to school. So you're both at school here. So what are you both studying? I'm studying strategic communications and Spanish. Big fan of communicating. Maybe that's why I'm here speaking on a podcast. My major is world languages and cultures for now. That's probably going to change. I don't know, but I've just always kind of had an interest in world languages and cultures. So that's what I'm doing right now. That's cool that you guys served missions and that you loved that and you moved to here. Can you tell us a little bit of your experience here and how you've collaborated with other YSAs and how you've seen that you've been able to lead? Absolutely. I have done a lot within my ward specifically, but also within the institute. And I know institute classes look a lot different depending on where you are living, but basically just being able to gather with YSA has been hugely influential for my life, not just in the way that I've been supported, but in the way that I've been able to serve and connect with others around me. And that includes during COVID, during the time that we couldn't really matter and what connection really is and how to make that time when you gather actually worthwhile.
Fresh update on "covid" discussed on Bloomberg Law
"The crises just keep coming for children. COVID, war, drought, and famine. They can seem downright relentless, but you know what? So can our response. When helping children unites us, we are a force to be reckoned with. Where there is help, there is hope. It's why UNICEF won't stop, ever. Learn more at unicefusa .org we won't stop. Get the news you need start to your day in just 15 minutes. More legal trouble for former President Donald Trump. We're also following the auto workers Strike in Detroit. Wake up with Bloomberg Daybreak. US edition. Tensions between the US and China remain in focus. Upset and college football available now on your podcast feed. Each weekday morning at 6am easter. Another big P .O. hits the market. Subscribe to Bloomberg Daybreak US edition today on Apple Spotify and you get everywhere your podcasts. Bloomberg Radio. Context changes everything. If you're having a business dispute, the process can be
A highlight from The Biggest Bitcoin Selling Event Of 2023! (BEWARE)
"But a few urgent pressing situations that we have to deal with quite urgently. I think the first situation that we have to deal with is, hold on a second, James, it won't let me share screen so you could share the screen. So the first situation that we have to deal with is we have to deal with the looming US government shutdown because now the odds of a government shutdown are 90 % and if we do get a government shutdown, Goldman Sachs actually says that this shutdown could last as long as two to three weeks. I think we actually for now need to start preparing for this US government shutdown. The next thing that we have to start preparing for is a massive seller in the market. So this is not a joke. We do have a seller in the market. This seller owns 10 % of all the Bitcoin in circulation and 1 .8 million Bitcoin and they are going to start selling. In fact, what you can see from this chart over here is that they have already started selling a whole lot of their Bitcoin. So we're going to be talking about the seller when they're going to hit the market and why that's going to impact the Bitcoin price and how much that's going to impact the Bitcoin price. Then what we need to talk about is we need to talk about this little price move that we had yesterday in Bitcoin and what it actually means because we seem to be in a position where every time that we get a pump, we get the pump, but then the pump dies and that's exactly what happened yesterday. So we could understand what actually happened yesterday. What took us to 26 ,800 and brought us back down and is this thing going to continue to bring us down every single time we have a pump. Then I want to go through a knock -by -knock account of how Gary Gensler was taken down in Congress yesterday. Regarding your interactions with FTX and Sandbank and Freed, that's the investigation we started last Congress. Finally, your lack of responsiveness to this committee's legitimate oversight continues to be unacceptable. And I want to finish here. In February, the committee made multiple requests for documents to the Securities Exchange Commission. This is normal congressional oversight. Yet seven months later, the committee has not received a single non -public document that was not part of a FOIA production. As I said, our patience is wearing thin. The SEC is not above the law, nor is it unique. Other financial regulators have routinely complied with congressional oversight. So let me be clear. I do not want to be the first chairman of this committee to issue a subpoena to the Securities Exchange Commission. And you should not want to be the first SEC chair to receive a congressional subpoena. Either we find a path forward where the SEC recognizes Congress as a co -equal branch of government and is responsive to our oversight duties, or my option is to issue a subpoena. All right, so we're going to go for a blow -by -blow account of exactly what happened yesterday. Gary Gensler was absolutely, absolutely, absolutely destroyed in Congress. And then, and then, and then, I've got a massive, massive story for you, but I'm going to keep that story until the very end of the show. So let's go, guys. Big show. All right, we are back and we've got a massive, massive, massive show for you guys today. And I think the best part of the show today is going to be the show, the part where we discuss how Gary Gensler was annihilated yesterday in Congress, because this guy yesterday was absolutely, absolutely, absolutely annihilated. It's actually not, that's actually not Gary Gensler, believe it or not. So this is actually a true story. Gary Gensler has an identical twin brother. His name is Robert Gensler. I thought that this was an absolute joke, but I actually looked it up and it's true. Gary Gensler does have an identical twin brother. His name is Robert Gensler. No, no jokes. Anyway, Gary was the one that was destroyed yesterday in Congress. It wasn't, it wasn't, it wasn't Robert. It was actually Gary. But crazy, crazy, crazy, crazy that we actually see these things. All right, listen, welcome back, guys. Huge show today. I want to just thank you all. I see we're very, very, very, very, very close to 650 ,000 subscribers. We are 9, 10 subscribers away from 650 ,000 subscribers. When we get to 650 ,000 subscribers, our next move is to catch up to George from Crypto's Ice, because he's like our next target. We've got him in our sights. He was 100 ,000 subscribers ahead of us before the beginning, in the beginning of the year. What is your now? 17 ,000? 17 ,000 in the banter fam, the banter fam are definitely going. We're going to go after him now. He's our next target. We're going to try and catch up to him. All right, let's go. We've got a big show today. If you haven't subscribed, subscribe to channel, like this content. If we get to what is the number of likes we had yesterday? 1 ,500. If you get to 1 ,600 likes, I'm going to show you the biggest Bitcoin seller in the market. I'm going to show you why this seller is actually going to be selling. I'm going to, we're going to decide together whether or not we should be panicking about this seller selling. And it's a serious seller. The seller has 18, 1 .8 million Bitcoin, which is 10 % of the circulating supply on Bitcoin and they are going to be selling. So yeah, if we get to 1 ,500 likes and we beat yesterday, then we're going to get into that story. In the interim though, let's look at the bubbles. Let's see what's happening on the bubbles. So I see Rune is up. Let's just see how Rune is doing. Rune up at 187. I'm actually, I actually have got quite a big Rune position. I see Rollbit at 12 cents. You would be 20 % up if you actually took our trade. You got Ape moving. Remember that you got the whole banter newsroom here on the side. So everything that we, all the places where we get our news from are actually available to you right here. And if you want to follow any of our researchers, there's 44 of them. You can just click and you can just follow them directly from the newsroom. We're also improving banter bubbles. I reckon in about a month, it's going to be the fastest bubble app in the whole market. I'm also watching the Dixie and I think the reason why we should be watching the Dixie today is because we had the GDP numbers. The numbers GDP came in at 2 .1%. They expected was 2 .1%. So nothing, no surprises when it comes to GDP. And I think that when we talk about, when we talk about GDP, we need to talk about it in context of the looming government shutdown because we've got this, this looming government shutdown. It's a real thing now, you know, we were first saying that the shutdown wouldn't happen. But now Goldman Sachs is saying, look, if the White House don't resolve their differences by the end of tomorrow, that would make it the end of Friday. And by Sunday, they would have a government shutdown. Now, that would be, I think, the fourth government shutdown in the last decade. And it would be, it would have a whole lot of effects. I think what we need to do today is actually just look at the effects of a government shutdown. And, you know, do we need to prepare for it? Like, do we need to start stocking up on toilet paper, like we did in COVID? Do we need to start stocking up on food, on rice and oil? We need to, we need to make sure that we understand exactly what's happening. But before we get there, I want to talk about yesterday's little Bitcoin pump. So we had the pump yesterday and then we had a little bit of a dump and it keeps happening every single time. We keep losing momentum. Now, I think the pump is probably expected and I do think we're going to start getting a whole lot more pumps. And I'll tell you why I think we're going to start getting a whole lot more pumps because there is more money coming into the Chinese economy. So remember that China's in big trouble now and the way they're going to get themselves out of trouble is they're going to start stimulating the economy and getting more money into the economy. Well, you can see that liquidity in China is starting to go up because of all these things that China is doing. So I am expecting the price of Bitcoin to start moving upwards because of this liquidity.
Fresh update on "covid" discussed on Thom Hartmann Program
"Presidential election. For the latest information you can find digital news updates at heartlandsignal .com and new our video Twitter, content on Facebook and YouTube accounts. At Heartland Signal, where facts matter. Thanks for watching. Take down with Cliff Schecter. Here's the 10 most amazing Biden successes, the ones you must know that the media will not tell you about. Number three, COVID. Never in the history of public health will we ever do what we just did. 660 million vaccines and arm 13 million antivirals administered is an incredible accomplishment. Joe Biden came into office and he witnessed a disaster Donald Trump came before and wouldn't even get vaccinated himself and ended up that with horse and pony show once he was infected. Studies say that nearly of the over a million people who died up to 600 ,000 of them or more could have been saved if Trump had done anything. Biden came in, we had less than 1 vaccinated. He got 75 % of the population vaccinated 500 million or so shots handed out in the most successful vaccination program in US and likely history. That's what got us back to work. Hear more from Cliff at heartlandsignal .com and subscribe to his YouTube page. No
A highlight from Rising Auto Theft Rates: Urban Consequences and Solutions
"Well, you see how easy this is now. Now you look at how they move money around and how the in your face money laundering folks, this is what this is. This is corruption and fraud. Some of the Bidens are great at the money laundering part. They got 20 shell corporations, but guess who's getting the guess who's going to be controlling the funding to rebuild Ukraine. We pay to destroy it. And guess what? The Hillary Clinton Foundation gets paid the rebuild Welcome right. to the podcast. We are in the same studio today, which is kind of nice. So thanks again for downloading. If you're just listening, if you're watching or watching the clips, uh, thanks for watching as well. And just for a quick mention, so I don't forget, if you haven't downloaded our app yet, I'm noticing we're getting a lot of downloads and the cool thing is when the morning Mike's program is going Monday, Wednesday, Friday, I'm the, seeing the view count go up and up and up, which is awesome. So I know we're only, you know, we're still in the dozens. I'd like to get into the hundreds and eventually thousands, um, but it's a cool program. If you haven't listened to it, it's a quick 15 minutes to quick by morning, run down three days a week of the top five topics, three minutes each. Do a great job. They do an awesome job when we're, when we fill in the stuff. We screw the whole thing up. Yes. Yeah. We, we blow the whole, the whole, uh, the schedule, but, um, but they do awesome and they're funny. I love it. It's a quick, you know, down and dirty 15 minutes, top five items of the day. And now you get your day started off on the, uh, they, you know, I think on the right foot, they were saying this week, like, Oh, it's so negative all the time, but I think they're hilarious. They take the negative stuff that's going on, but of course the negative stuff isn't the news. Yeah. Yeah. That's what we're seeing. I mean, carjackings again, Rochester had another, you know, record night. I mean, it's incredible how that was going on. And so it's amazing is, is like the Democrats just sit around and watch this happen in every city and every city. It's insane. Yeah. I sent you an article earlier this morning about Philadelphia. Let's see. I can find it. It's, uh, not that it's anything out of, you know, anything that we don't know about, but let's see here. Philadelphia swarmed by alleged juvenile. Come on, come on. Juvenile looters targeting the Apple store, Lulu lemon and footlocker. Yeah. So, cause they're starving. They're starving. They just, just need a little piece of ham and some Turkey. They need clothes and food. That's, that's only fair. I mean, they, you know, and once again, I know we've all heard this joke, but footlocker is not missing one pair of working boots. No, no, all the Nike's, all the Nike. Yeah. Well, some of those Nike's, I mean, Oh my God. Crazy. You know, talking about like, you know, thousands of dollars for a pair of, thousands, thousands of dollars. I was talking to my daughter and she said to one, one of her friends has a, as a pair of shoes were $1 ,200. I'll never forget the most expensive pair of shoes I ever bought. We were just starting a business. This was like 30 years ago now. Right. Crazy to think. And I remember somebody told me that maybe my dad was like, you got to have a decent pair of shoes. Right. And so I went up and I bought a pair of Justin and Murphy's. They're like 120 bucks at the time. Yeah. The most money I have ever spent on a pair of shoes. Now boots, I've spent more money on since because boots are more expensive, you know, hunting boots. Well, there's a purpose to them. I still don't spend more money on shoes. Like I'm wearing like Skechers or like $40. Like some of these Nike's $500. You can't tell me you're running faster. It's different when you're going to go out and buy a pair of like waders or something. You're going to use them. First of all, you're going to use them for the next 30 years. Right. And there's a purpose to them, right? Like, okay, they're more expensive, but I can walk through the water with them. Right. But if I bought like, if I had five, 600 hour pairs of shoes, I'd be afraid to leave the house. I wouldn't, I wouldn't get off the carpeting. Well, they're targeting the Apple store here, Glenn, because they'll buy jobs. And that's the only way to get a job is to make sure you've got an Apple iPhone. So it'll be like Chicago. We talked about this the other week with, with, uh, with Mike Speraza, Chicago is now forced to open or, or just talking about opening, you know, a, a government run grocery store in the inner city because they've all that. Well, they're going to, so they're going to, they're going to, the plan is to fight the communism with more kind of communism, right? That's going to work really well. But could you imagine how inefficient, first of all, Walmart's pulled out, Costco's pulled out, all the stores have pulled out because now target, have you heard targets now closing stores across the country? So target is now going through and discussing all the stores across the country, liberal target, liberal target. They put a black lives matter that they ripped down the smash of the window. I thought that'd be some sort of a shield or that we're just going to put up this, uh, this plywood and we're going to spray black lives matter on it. Hashtag hashtag BLM. And we'll be safe as they rip it out and use that same plywood to smash the window with. It's pathetic. There'll be nothing left in these inner cities. The problem is when it starts to spill over into the, into the, Oh yeah. This is, this is where it gets ugly. Well, they want it. That's what they want. That's, that's why people like, uh, the governor of New York, uh, you know, Kathy, the ice queen, Kathy Hochul is, is, you know, they first tried the push for section eight housing in the suburbs because that was only fair. Yeah. Now they couldn't get that through because the people in the suburbs are like, whoa, whoa, whoa, whoa. Now they're busing in illegal immigrants in the middle of the night. And I tell you something, if these Democrats like Mark Poland cars were proud of what they were doing, they would have a welcoming party at noon at noon, high noon. They'd have a press conference welcoming our newest community members off the bus so that the whole community could see these family units that are getting off. You got the husband, the wives, the two kids, you know, the things that we see in our country, right? No, it's not happening. They're bringing them in at two o 'clock in the morning. So nobody sees, they're all, they're all 23 year old males, right? Or 18 to 25 year old males. Some of which are from the Congo. I don't know about the, uh, you know, the, some of the social norms in the Congo, but I'm just thinking that maybe they're a little bit different than the Western world. I don't know. I'm just thinking maybe not. Maybe they're exactly like us. I don't know. But they're exactly like us. Why would they want to come here? Why are they aspiring to come here? I don't know. Anyway, it's a fentanyl fentanyl up again, by the way, there was another report. I think it was on a Fox news. Well, good for the Republicans. I mean, at least part of them, I should say good for the five or six Republicans that are the extreme right wing, according to the media, that's holding this garbage up. No, shut the government down, shut it down, shut it down until there's no more money. Take the money, go into Ukraine and send it to Texas, which they did right to the border, which they didn't do last time. Right. Kept it open. That's what do you need? What do you need? We're out of control. The founding fathers gave the power of the purse to Congress and the, and the Pentagon, the Pentagon goes, yeah, you know what? We're just going to exempt Ukraine funding from the budget. So ha ha. We just went over 33 trillion. If you go online and look at the clock, it's moving fast, right? So we're on our way to 34 or 35. Can you even see the numbers anymore? They just blur blur now. So, so fast. Oh no. And, and good news, by the way, we're refinancing this debt at 5 % now, not at 1 % or zero like we were doing. Yeah. It makes a lot of sense. Yeah. It'd be great. Yeah. The fence talk about keeping rates higher for longer. I don't know. They're not going to be able to do that. They'll be cutting interest rates by next year. Mark by where? And the number one reason I say that is because when you talk to every economist, I say, that's not going to happen. And they are typically wrong. So if you take the, it's like saying betting against the casino, it's like saying, you know what? I don't think MGM is going to make money in the sporting books next year. Ma, they're going to figure out a way to make money. They'll rechange the lines, right? Well, you, all you need to do is look at it and get a bunch of economists in a room and ask them where they think the market's going to be and then do just the opposite and you would be way better. Yeah. Pretty much that's usually the way to go. No doubt about it. So the, the, the, the Pelosi, we were talking earlier about the Pelosi stock trader. Yeah. You can follow online. Now, some of these folks, we did the game show game last week. We talked about the, uh, the net worth. I picked the poor ones too. They were like 23, 21, you know, $20 million. Some of these folks are amazing. I mean, really just, you know, the wizards of smart on some of these are just really, timing is impeccable up here. This is somebody who is selling some software that I'll track it, which you can, you, you've pointed out, you can get it for free online, but, but the, the numbers are really astonishing. This Democrat Senator sold her Aspen vacation home for $25 million. That was just after she sold her Lake Tahoe vacation house for $36 million. Well, by the way, why, why do they own these big $25, $36 million homes? Well, a big, big part of it is because the taxation of it, right? So a Feinstein who's telling you your ordinary income tax rates are too low. She's shifting that to a capital asset, which is going to create a capital gain in the future or no gain. Or no gain. I mean, they're 10, 10 31. This is why when Donald Trump looked at Hillary Clinton right in the eye and said, you will not get rid of the carry interest deduction and you know it because all of your, I use it, of course, all of her bigger donors donate money to Hillary Clinton. And this is exactly the truth, right? They will never get rid of some of these things. Like they talked about, we're going to get rid of the 10 31 exchanges. Yaha. Yeah. Uh huh. Yeah. So the big developer strokes a giant check to the, to the Democrats off the table. Let's listen to her success though. Amazing. A Senator sold her Aspen vacation home for $25 million just after she sold her Lake Tahoe vacation house for $36 million. Only two years earlier, Diane Feinstein has been a member of the political scene for 32 years and her salary is only $130 ,000 per 130 grand a year. Now it's more now. That's a little bit dated, but it's up, it's up to probably 180 now. But, but listen to this. First of all, if it was up to 580, you're not buying $23 million homes, $36 million homes. No, no, we're going to put in multiple homes. We're going to, we're going to put the Paul Pelosi onto our research committee. You make a million dollars a year. First of all, most of, most business owners that make that kind of money, they didn't make it throughout their whole life, right? They didn't start making a million dollars at 20 years old. They started making a million dollars at 50 years old and it took 30 years to get to that point. Right? So my point is, you're not at a million dollars a year at age 50. If you did it the right way, the hard way, and you did it yourself, you're still not affording a $23 million home, right? Multiple ones. Yeah. Multiple, multiple. Right. Those aren't even her primary residence. Those are her vacation homes. She lives in, she lives in California. Listen to this though. And it's, it's all of them. It's all of them now. This is a, this is from Nancy Pelosi, stock trader. Uh, this is a tweet, uh, a Twitter feed. You can follow Pelosi tracker is what it's supposed to track or underline or something like that. You'll find it. Anyway, uh, three weeks ago, sitting politician bet against the U S economy so far. He's been right. Tom Carper bought $45 ,000 of PSQ and inverse ETF on the tech sector on eight 23, August 23rd. Since then he's plus 3 % while the market is negative 4%. Go figure. Wow. Go figure. Man, these guys are so good. Yeah. And they're not by, they're, I mean, these are, that's some pretty technical strategy. You started getting into options strategies and stuff. I mean, yeah. Yeah. These guys have become very, very slick. It's not just about buying a, you see, it used to be, okay, I'm going to buy X, Y, Z. Then I'm going to vote for or against something. You know, I'm going to short the stock and then I'm going to vote against them for both that, that, that. So the stock goes down or I'm going to vote for something, knowing that it will benefit the company. The stock will go up and in a sense front running. No, they're, they're in the options strategies now. They're in the market. Yeah. They're doing butterfly spreads. Yeah. Crazy stuff going. They're very sophisticated. They shouldn't be allowed to two things. When you go into Congress, I, you know, I would love to have a Congress person run on or present around the following platform, right? Number one, term limits, term limits, top of the list. Number two, though, while you're in Congress for the eight years, or wherever we allow you to serve 10 years, 12 years, whatever it is, you could not invest in a stock market at all. All your investments are frozen or your choices, a model, some kind of a model liquidated go to cash, or you could buy the fidelity balance to counter. You could buy the, you could buy the T -rope price, you know, target retire, whatever, you know, or you go to goes into a blind something or other where you have no idea. Right. It just goes into what you picked a one through five tolerance for risk and somebody else invest. Maybe it's just broad indexing. Maybe that's it. Right. Something that doesn't allow this kind of garbage to go on where, you know, they buy, you know, Tesla stock and then approve a huge, you know, oh, we're going to, guess what? We're going to build a, you know, for government funded battery stations all the country. Of course, Elon comes out and goes, we already got those, you idiots. I did that like four years ago, you morons. Amazing what Elon can do and what the, what the government can. Going back to target for just a second, not to digress, but I found WGRZ, thankfully came up with a list of the, uh, the target stores that will be closing, Mike, the full list of locations all in, all in Republican run. You'll be shocked. Yeah. Yeah. Right in the, uh, the thriving, the, uh, you know, thriving, the Minneapolis, uh, location, the retailer said the decision, the close was really difficult. I wonder if that was after half. That was the one they put the BLM on. Yeah. Oh, that was the one they put the sign on that said, please don't burn our store down. We love you. I hashtag BLM lit it on fire. Yeah, that's right. Yeah. Uh, let's see. I'm shocked though. I wouldn't, I'm surprised you wouldn't stay. I mean, you know, like just collecting, you love them. You love, you support them. This is what you supported. Remember you, you, you raised money, you gave money. Yeah. And guess what they did with that money. They agitators hired to whip up people in the community to smash and burn down your store. You idiots. So there you go. There you go. Nice, nice work. What else do you think, Mike? Uh, New York city's East Harlem neighborhood. That's going to be one that's goes down. I wonder why. Chicago, San Francisco for sure. San Fran. Yeah. San Fran. Uh, by the way, before I forget San Fran, Democrat San Francisco mayor, announces plan to require drug testing, which is good in an effort to, if you're going to receive homeless benefits. Right. But the funny thing was in this same passage, they're going to Texas to try to recruit police officers. The funny thing is is that the people they sent from San Francisco to try to recruit people. They didn't come back. They defected like North Koreans. Some of them got jobs. They get over the wall. They come out, they get over the wall. It was hilarious. No, they didn't go back. Well, the other five stores, Mike, three in Portland, Oregon and two in Seattle, five, three in Portland. They're pulling out of Portland together. All of these inner cities folks will be food deserts. You're going to hear that term. It'll be business deserts. It'll be nothing. Well, business deserts, nothing left, but there'll be, but target, don't forget target. Does target sell food? Yeah. Well, yeah. They sell food. Yeah. For sure. Yeah. Well, I don't go on target. So Walmart I know does Costco for sure. Costco is a food store. I don't think target is as big as Walmart as far as like fresh fruit, but definitely frozen food, all that kind of stuff. You know, aisles of pop and water and chips and right, right, right. And all that kind of stuff. But you can definitely frozen food. You can buy bulk frozen food there. So, so there's going to be food deserts, all over the place, business deserts, whatever you want to call them. You know, it's amazing because you know, the, there's no policing. And the sad thing is that is the problem. It's not, there's no policing. I shouldn't say that. Excuse me. No, you're policing your asses off. I get it. There's no ability. There's no prosecution. There's no bill. You guys are arresting people, putting them in and they go right back on the street. They're getting, they're getting appearance tickets. It's a joke. Your point is no, there is no policing anymore because of the system, the Democrats put together where the police officers aren't going to bother. If you're a police officer and you know that somebody is going to be this, this carjacking or whatever is robbery. And you know that there's a potential, you're going to get an altercation where you're in New York state. There's two police officers that have been brought up on charges recently with almost a hundred percent chance that if you do catch that person, that person will be right back. Yeah. A hundred percent. Why would you bother? Why would you bother? You're not going to put your life in line. No way. You want to go home to see your wife and kids too, and your mother or your husband or whatever. You want to be able to spend your Christmas with your family. Why would you do that? And they know that, right? The Democrats know that. This is, you can't be this stupid. I mean, who allows these people to go right back on the streets and say, this is a good idea without correcting this right away. You can say, okay, bail reform. Our intentions were one thing, but when you look at the fact that in New York state, we are now breaking records in towns like Rochester and Buffalo for the most amount of vehicles being stolen. We can say, okay, look at bail reform, put it in place. It clearly did not work. It's been a total disaster. These towns have turned to shit. We absolutely need to go back in the other direction. They're not doing that. They don't care. They want to, and they're doubling down, tripling down on it, tripling down. We invited this liberal on, you actually were on the show with him and he said, things are actually safer since bail reform. That's what his argument was. His argument was, and by the way, his argument was if we have even less police officers, cities like Buffalo will get safer. Well the thought was less police officers, less arrests. Less arrests means less crime. Dude, you got the whole thing backwards, bro. And not only that, but now we know that, right? Now we know, now you can, I mean, literally auto thefts are up 360 % in Rochester. They're not up 3%. You can say, well, you know, in Buffalo and we're in second place. And they can't play, they can't play in COVID. They're trying to like, well, it was a lockdown. People were at pent up, whatever. Remember that was the, that was the reason for the rioting and the ballooning and burning like, well, people had a lot of pent up. We probably should have locked them down. That was a little bit of the reason for the increase in suicides. You guys, you guys increased suicides because you locked kids in their homes, but it wasn't the reason that they went and decided to steal Nike sneakers from a footlocker. So check this out. Speaking of COVID, this is huge. This is, I don't know if you saw this or not, but this is absolutely ginormously huge. Dr. Fauci was smuggled into CIA headquarters without a record of entry where he participated in the analysis to influence the agency's COVID -19 investigation according to the house select subcommittee on the coronavirus pandemic. Did he need to do much with these left -wing CIA agents? Probably not. No, no, no. That's what they're smuggling him in for. Well they smuggled him in because they didn't want anybody to know that he was part of the PSYOP operation, which was hydroxychloric. By the way, the I think it was a Mayo clinic and some other hospitals now have come out as well as the CDC and said hydroxychloroquine, yes, indeed is an effective treatment for COVID. Oh, by the way, ivermectin also an effective treatment. The CDC now approving that. Now mind you, we're going to keep in mind that if there was any other treatments that couldn't get the emergency use authorization for these vaccines that clearly don't work. Amazingly, I'm still seeing people online go signing off my sixth booster on our way for the sixth shot, proud to get our sixth shot. How about how about one the other day, local left -wing nut job got her sixth booster shot, six shot and she still got COVID and then she said, well, I was so good hiding and it got all my shots and then I went to a concert and I got it at this concert. Well, first of all, you don't know that, but second of all, if you have six shots and you six shots and you still got COVID and you actually think that was a good idea, you don't need a vaccination. You need a mental, you need a mental check. I tell you, I know people during the during the COVID, the height of the COVID that were older, some of our clients actually that were prescribed by a doctor a hydroxy quirk when they were taking it once a week as a as a preventative measure. Yeah. And they, to this day have never had COVID. Yeah. And it's, it's, I mean, so it, but the sad thing is again, you know, we couldn't, it's all about the money now. And that's, you know, when people talk about the evils of capitalism, you're seeing some of that. Now, capitalism is the best thing on the planet, right? As far as, you know, lifting the masses out of poverty and creating amazing amounts of wealth. But the problem is this isn't, this isn't capitalism. What's going on. This is cronyism is what's going on. It is, Hey, look at, I will give you these government dollars. You're going to get this patent. You're going to get this. Unholy marriage between business and government. Mark my word. We were talking about Feinstein selling 25, $30 million homes. This Fauci will be on the board of Pfizer. He'll be on the board of Moderna. He's going to get shares of those companies. He will be blessed with with with millions and millions of dollars. His family watch and see, we'll be talking if we're, if you and I are fortunate enough to be around 20, 30 years from now, we'll be talking about the Fauci trust and watch and monitor that trust and see how big that family trust. Well, you see how easy this is now. You look at how they move money around and how the in your face money laundering folks. This is what this is. This is corruption and fraud. Some of the Bidens are great at the money laundering part. They got 20 shell corporation, but guess who's getting the, guess who's going to be controlling the funding to rebuild Ukraine. We pay to destroy it. And guess what? The Hillary Clinton foundation gets paid to rebuild it. Right. And guess who's going to get the contracts to rebuild. Oh, that'll be probably one of the Biden family members or somebody else's politically connected. Right. Remember it was, it was a Joe Biden's brother who got the contract, the multi -billion dollar contract to rebuild Iraq. No building experience, never been a contractor, right? No idea. Right. This is why these projects cost 500 times what they're supposed to cost. This is why when money comes into Buffalo, for example, $25 million to build homes, five get built. And you were, wait a minute, five, are these $5 million homes in the East side? Each of those homes would have been built for a quarter million dollars or less. And yet where did the rest of the money go? And the, the answer is never, we don't know. We don't know. We can't account for it. Or we'd have no idea. Or I mean, how many times have we've seen that in so many places that whether right down the local level or God forbid at the federal level between, you know, Iraq and others. I was telling you last week on the radio, I was reading an article about the grants that were coming into the city of Buffalo to plant trees. And I thought, okay, wow, like this could be sweet. Okay. You know, like I'm a big tree guy. I love trees. I plant trees every year. I do think, okay, that's one way to, first of all, I think it's one way to make a community look great. When you, when you drive around, let's say North Buffalo, all the streets are all tree. They look beautiful. You drive around the East side, it looks like shit, right? So, okay. You're going to take some of my tax money and you're going to directly plant trees. Okay. It's a win for the environment. It looks nice. It's going to bring things together. I'm like, well, where's the catch? This is a government agency. Where are they going to screw it up? You read through and you find out that they're paying $1 ,000 a tree. Now you and I both know that if they're saying it's $1 ,000 a tree, by the time it's done, it'll be two to $3 ,000 a tree. Now you, you're talking about $13 million worth of trees. You and I just planted trees. Every year we plant a few trees around our office, you know, three, four in the spring, three, four in the fall, just so they can start to grow and work their way in. And then, you know, plant more. We pay $250 a tree, plant it. Right.
Fresh update on "covid" discussed on WTOP 24 Hour News
"Restarting you will remember it was paused three and a half years as a result of COVID the pandemic some experts say that some people are already having problems trying to pay back their loan executive director of the student borrower protection center Mike Pierce says right now people are already experiencing problems with student loan servicers they are routinely providing wrong information to people they're keeping people on hold for hours. The system itself is not working and he says if the government shuts down people are not gonna have the benefit of the federal employees at Department the of Education that are there to fix problems and that are there to keep these student loan companies honest. He says trying people to pay back their loans can expect things to get worse. Acacia James WTOP news. In health -related news and new this morning on WTOP Saturday a federal judge will not block the Biden administration's Medicare drug price negotiation program. This means that pharmaceutical companies will have to negotiate Medicare drug prices with the government itself. An Ohio judge has issued a ruling this week on Friday denying apparently a preliminary injunction sought by the US Chamber of Commerce. Now the chamber is one of the largest actual lobbying groups in the country and was hoping to block the price talks before were they set to begin on October 1st. Resident Joe Biden's inflation reduction act which passed on a line party vote last year gave Medicare the power to directly hash out drug prices with manufacturers for the first time in its nearly 60 -year history. To the world of entertainment this morning his 2007 film once won the Oscar for Best Original Song with Falling Slowly. As we hear this morning from Jay Frey, WTO entertainment editor Jason Fraley, John Carney's new movie Flora and Son premieres on Apple TV Plus this weekend. A single mom salvages a guitar from the trash in Dublin in the hopes of reaching her teenage son. Happy birthday. Don't want to play. Since when am I a guitarist? It's no surprise that Eve Hewson can sing Her Dad is You to his Bono but
A highlight from Republican Debates, Election Predictions, and Media Criticism
"At some point we have to take the economy seriously. We can't just keep printing money and sending it overseas. Welcome to another Financial Guys podcast. I'm Mike Hayflick along with my partner, Mike Speraza. We are always excited to be here, Mike. Um, we are here after the second Bill's win. Yeah. Yeah. We will, we'll keep it at that. Every time we talk very little, things go well. So let's, let's keep it at a win and big game Sunday. Miami. What should be right. A massively popular game. I mean, when they put up 70 against Denver and we, we basically, did we shut out the three points? Three, three. Okay. We held, held Washington, the Washington commanders to only three. That should be a really, really dynamite game. So. Had to change their name due to political correctness. I know, I know. And we had some conversation about that. The people I was watching the game with were reflecting on, I guess the good old days when the, the nicknames of teams just didn't seem to matter as much, but it matters now. Now they want to take down statues. You're an Iroquois guy. They're taking that name away. The chiefs because apparently saying chiefs is very, uh, politically incorrect. I mean, a leader. You can't be called the leaders anymore. Maybe it'll be the Iroquois comrades because everyone's got to just hold hands and sing Kumbaya. Yeah. And, and you know, nobody gets a gender anymore. Nobody can dominate one or the other. Even if it's a sport, there really might not even ever be winners or losers. They might not even keep score anymore in sports. Like it's just going to be for the experience of it trophy for the trophy for the trophy. Line them all up. They're all going to look exactly the same. There'll be gender neutral trophies. When will we have a they, them team name? Like the, the Washington they, thems, like when, when, I mean, I know that sounds outrageous, but that's where we're headed. Yeah, it's true. It's going to be comrades. Friends. Yeah. The friends, the Iroquois friends, the Iroquois comrades. It literally is heading that way though. Something where you go, what is, what is this sport? Like we don't even know based on the name, what the sport is. We don't even, yeah. You won't know. Like usually you could derive some more information from things like that. Oh, no, no, not anymore. No, you're going to have to dig real deep. You're going to have to show up at these events and, uh, you know, maybe wear a nice hoodie and a pair of shorts at the events. Yeah, I agree with you. And, uh, you know, maybe right after you went through the Senate chambers to vote on something, you can head and do a game with your hoodie and shorts on. Anyway, the next one, the last thing I'll say is the next one will be the Patriots. They'll be getting their name taken because that represents Donald Trump and his movement. We got to take away the name Patriot, right? That'll be the next one. There you go. You know, I just, I can't with these people anymore. It's really getting to be absurd. Yep. Totally. So, uh, Mike, let's start with this one. A second Republican debate coming this Wednesday night, September 27th, and Dana Perino, who I've always enjoyed listening to. Um, she will be joining Stuart Varney and Ilia Calderon at the Ronald Reagan library. presidential Suitable place. I love it. Yeah. And, uh, I, we were just chatting a bit before the podcast, so let's just line this up. All right. I don't know the order, but we're going to have Pence, Christie, DeSantis, Rama, Swami, uh, Doug Burgum made it Dougie Dougie. Um, who is that? Who else? I'm I've got five Nikki Haley. Thank you. And then, uh, there should be one more. Um, I did pens from, let's write this down. One more time for everybody. Pence, Rama, Swami, right? DeSantis. How do I not remember? Tim Scott, Tim Scott. Thank you. So, so seven this time, um, not Asa Hutchinson, I think you said he, he didn't make it. Didn't qualify. So, um, of course the big elephant in the room is that Donald Trump again will not be there. Just tell me your thoughts, I guess, on this next upcoming debate. Are we going to hear anything different? Is there any going to be anything that really makes people go, Whoa, this guy's really racing to the front or female. Um, if it's Nikki Haley, anyone going to race to the front after this one? I really, I mean, I think we're kind of wasting our time here and I'm not saying it as a, as a Trump voter. I'm just saying it realistically. Right. I mean, at this point, the lead is 40 to 50 points. Nobody makes up that ground than a debate, right? Like Nikki Haley had a great debate last time. She's still polling single digits. Right. I don't agree with Nikki Haley stance on a lot of things, but she, she fared well in that debate and she really didn't grow or fall behind anymore. Right. So I think that's the tough part. When we look at these debates, the Donald Trump in the 2015, 2016 campaign years, that is your like unicorn, right? Where, where you just go up there and go bananas. And then you end up, you know, taking over the field. The difference was there was no Donald Trump in that election, right? Like you had a Jeb Bush, but he wasn't the guaranteed slam dunk candidate right now. You have Donald Trump, Mike, and he is the guaranteed slammed on Canada. The only one that we thought maybe had a chance was Ron DeSantis and he has crumbled mightily, whether you like him or hate him. It's just the facts. He's, he's in trouble. Right. I mean, so what, what are we accomplishing with these debates other than kind of a, I guess I'll say wasting our time. Yeah. And I, I just, I just think it's worth breaking this down a little bit. Like what is it that people like you and I think that these others are just inferior to a guy like a Donald Trump? Like, and I'll tell you my opinion first. Mine is I just don't think they'll win. And I just feel like more and more people need to, you got to vote and expect that the conservative Republican candidate in this case wins. And I don't think any of these other people could, could actually win. I don't think they have enough, you know, experience. They don't have the fortitude that a Donald Trump has. Well, I think that that to me is, is there's two reasons why I'm voting for Donald Trump, right? Number one was I thought he had a very good four year term other than the COVID 19 issue. And I, I'm telling you right now, I say this to people all the time. If it was Ron DeSantis, if it was Donald Trump, if it was Hillary Clinton, that, that, that whole debacle was, was a disaster and there was no way you were going to look good in that debacle. I'm just telling you. Yeah. Number one, but that was a Trump fault that I have. And if I ever talked to him, I would tell him that that I do not agree with what he did with COVID. It's easy for me to say that now, but, but at the end of the day, he had a great four year term other than that, in my personal opinion. Number two is every time they've tried to knock him down at the knees, Mike, that has made me want him back more, right? The, the every time they indict him, I want him back more, right? Every time they try and silence him with gag orders, I want him back more. This is how I think a lot of conservatives are feeling. And at this point, it's kind of like, okay, is Rhonda, here's what my other point, I don't mean to keep going on, but at the end of the day is whether it's Ron, DeSantis, Vivek Ramaswamy, or Donald Trump, I'm going to use those three for a second. They will be treated the exact same way by the media, by the Democrat party. It doesn't matter who that candidate is. It doesn't matter. Right. People always say like, Oh, but, but Trump's hated. If DeSantis is a candidate, he's already taken crap from the leftist media, right? Like if he's the candidate, he's going to, it's going to be open up another can of worms. I don't think it matters. The reason why we got to go with Donald Trump is he's been there. He's been able to handle it. We know that whether you like him or not, he's handled the media and he's handled the Democrats well. And we need that experience. This is the election of our lifetime. And I will say that now, this is the election of our lifetime. We need to win. Dana Perino says, I believe the economy will feature prominently because we know that that is the biggest concern and preoccupation that is worrying Americans. And she says in many ways, in my opinion, the economy is the thread that runs through all of these other possible topics. For example, if you're concerned about crime, one of the issues is what kind of resources do you have and are you willing to use in order to help deal with that? I think she's spot on. I think when it comes to the economy, the economy sort of is the fuel and whether you then have a notion to, you know, actually shut down the border, improve childcare, improve education, then the, the economy obviously is the main thread that actually everything else seems to branch off of. If you have a lot of people working, for instance, you're going to have a thriving economy because supply and demand is going to balance out. You're going to have lots of products and services to offer and a lot of people can afford these things. Right. So, uh, I, I agree with her. Plus it is Fox business that's hosting the event. So might lean a little bit more toward economics. Yeah, I think it should. I agree with you. I mean, at some point we have to take the economy seriously. We can't just keep printing money and sending it overseas at some point, you know, and I say, I've said this to you, Mike before, going to get groceries now at times, like they ring all the stuff up and I'm like, Holy crap. I bought, I have a cat. I bought five cans of cat food. They're, they're the size of like a lacrosse ball, not even. And it's like $5 for five cans. I'm like this, this thing costs more than my kids at this point. This cat's going to be very thin. It's going to be out of crash diet. I mean, but seriously, how do people, Mike, that don't make money? And I say this in a sad way, like how do people that don't make money survive? Even going, you go to a local fast food restaurant for two people. My wife and I it's 30 bucks. I'm like, what the hell happened out here? I told that is what's going on. And that's scary. Yeah. When they have to make those kinds of hard choices. Right. Uh, all right. So, uh, let's move on. So speaking of Trump, we're talking about these other seven candidates that will be there Wednesday, this Wednesday night, nine to 11 PM in the second Republican debate, Donald Trump will not be there, but this came out like in a Washington post poll. Trump is now up 10%, uh, over a potential run against Biden, 10 % double digit. Now if you just pin Trump against Biden again, first your thoughts, and then we'll go a little deeper into this. Well, I'm not surprised. Um, I think, I think Americans are getting sick and tired of it. I think Americans are worried about our futures. I think the migrant crisis is hurting the Democrat party because you have liberal places like New York city that are waking up saying, Oh my God, we can't do this anymore. And there's like 10 ,000 migrants in New York city, not 10 million. Right. So like, like it's starting to click, I think with certain people, number one, number two, Mike, I think it's hard to hide Joe Biden's cognitive decline, right? The left can say whatever they want in the media. You just can't, when you fall over on things, when you do talk like that, I mean, they, it's a problem. It's a real problem and it's visible. Um, do I trust these polls? Yes and no. I think, if I think America is as smart as I think they would, the polls should be probably higher, like 30 % lead for Trump. Um, but I think the numbers that keep growing in Trump's favor, the margin of error is not that big, right? Michael, like you look at the Republican primary polls, the margin of error is not 40%, right? He's up 40%. So even if they're off by 20%, he's still up 20%. The same thing's starting to happen in these head to head polls with Biden. It started, you know, Trump down, then it was Trump even, then it was Trump three, five, now it's 10. I mean, that's a lot. Yeah. And so I want to read a little bit here. So the post ABC poll shows Biden trailing Trump by 10 percentage points at this early stage in the election cycle. This is, by the way, the Washington Post little write -up, uh, after the poll was done. Um, so this is, this is actually humorous. Although the sizable margin of Trump's lead in this survey is significantly at odds with other public polls that show the general election contest to virtual dead heat, the difference between this poll and others as well as the unusual makeup of Trump's and Biden's coalitions in the survey. So Mike, the more words, the muddier this all gets, right? It sounds like excuses coming up, right? It sounds like Kamala Harris. It really is. It's like, yeah, total word salad. Um, I just said suggested is probably an outlier, right? So, so this, this I thought was interesting. Um, Byron Byron York of the Washington examiner said the post dumped on headline news in quotes from its own poll. So basically they do a poll. They say that their poll is likely an outlier and, and he, he goes on to then say Washington Post sub heads suggests its own poll may be an outlier. That may be true, but they put no such disclaimer in headline three years ago when they published a poll of Wisconsin, right before election day in 2020, showing Biden up 17 points on Trump, 10 points more than the average of other polls at the time. That was real clear politics, president Tom Bevin. So, so funny to me, so interesting, right? Even when they try to do something where they want to take part in the polling process and inform all of us as Americans, Ooh, that's not really where we wanted to see that. That's likely an outlier folks. Yeah. Oh, Donald Trump's winning. Shit. That doesn't count. Okay. What are we going to do? Next one. Okay. These were registered voters. What are we going to do? This is 10 points. Holy shit. What are we going to say? Let's just say it's an outlier. Oh damn. That was a fake poll. Oh, those stupid polls. Yeah. I mean, and it might, I'll say this before we get onto another topic on what's, what's, you're starting to see it all come together. It's like, it's like when they see, you know, hurricanes forming in the ocean, right? We're starting to see it now. The polls are shifting to Trump. Now we have Hillary Clinton coming out saying things like, Oh yeah, who's to say Putin won't medal in the election in 2024 again, right? You have others saying like, Ooh, we got to get Trump off the ballot or people saying, let's indict Trump again for this or that let's put gag orders on him. It's all coming together. Now the new thing too, Mike is, Hmm, let's indict the Bidens and let's see if we can get, we can get a Joe Biden off the ticket. We've used him, we've abused him. Now we're getting them out of here. It's all, it's that wave in the ocean. It's that hurricane forming in the ocean. That's what's happening. And I believe that because why, why would Hillary Clinton come out and say, if you're so confident right in the 2024 election, if you're so confident and Trump's an idiot, he's never going to make it again and get rid of them. Why are you now saying, Hmm, maybe Putin will medal in the elections again. Why would you say that? Right. Right. And by the way, this is the same guy that's richer than ever because his country has been able to sell oil at a high rate since Biden's been in office. This is the same country that has had its way with the Ukraine walking in there and taking over land since Biden's been in there. Why would, why would Putin medal in the election to get in and probably in his mind, the nut job of Donald Trump back in office, it may drop a nuke on him. Why would he want Trump back in office? Ask yourself that question. Don't have to, if you have any sense at all, then you don't even have to ask that. Um, so anyway, let's see what the next number of polls start to reveal. Let's see if, let's see if polls stop coming out, Mike, right? Because once you have one that's got Trump winning by double digit, maybe they just start to say, polls are stupid. Polls are for racists. You're homophobic. If you read polls, I mean, we'll see. Or they come out with some poll from the middle of nowhere. That's like Biden up 35 points on Donald Trump. Right, right. This was from registered voters in the white house. Yes. We interviewed seven people and it was six to one, six to one. And the other one we fired, we don't even know who that was. Yeah. So, so let's go to this now. Every once in a while, Mike, I have to do this CNN, right? I go to the cnn .com site. I just got to see what they're finding note newsworthy, noteworthy, whatever you want to say. And honestly, and I've often reported this, I'm often in disbelief at what they aren't reporting. In this example though, I was like, Oh, a few stories down. Here's a story, Mike, why more women are choosing not to have kids. So right away I'm thinking, Oh my gosh, these are the most unlikable people, the most anti traditional family structure people ever. They probably don't want to have a relationship at all. They don't want to ever have true, you know, intimacy with anybody cause they just can't do it. They're just nasty. They're mostly on, you know, just awful. These lots, so many of these people. So I go on to read a little bit of this and you know, this is, this is someone named Diana Volek who, who never, who was never someone who dreamed of becoming a mother, right? And these are just some of the reasons given. They don't want the responsibility of being a parent. They fear a lack of support. They like their life as it is. They're still judged for being child free. So so even when they don't choose to have children, right? So I'm like looking at this and then suddenly I go, wait a second. This was published at midnight, uh, basically Sunday or Monday, you know, September 25th. That's that's now as we record editor's note, this story was originally published in August, 2021. Some details such as the ages of those interviewed remain the same as they were when the story first published. So you're telling me right away, I thought, is the Hollywood writers strike? Is it bleeding into CNN now? Cause there aren't enough stories. There aren't enough people to write like modern stories. There's not enough news. They had to pull a story from two years ago to talk about why many women are deciding not to have kids. Like how pathetic is that? How pathetic. This new trend too, of like, it's cool to just say, screw it. I don't want to have a family is the weirdest thing ever. And then we wonder why these people are miserable, right? I mean, again, is parenting easy? I'm a new parent. Mike, you know that you, you parented two girls for, you know, they're what? 25, 22, right? So you've had, you've had 25 years of parenting experience. I've had, you know, almost a year. It's the most enjoyable thing ever. Right? I mean you're finally, it's good not to be selfish. It's good to take care of somebody else and love somebody else. Right. And I'm not saying you don't love your spouse, but your spouse is an adult relationship. You have to have a relationship with a baby, which turns into a toddler, which turns into an adolescent, a young adult like that. There's nothing more special than that. You should want that. Instead it's like, Oh, kids are stupid. I'm going to be so rich. Really weigh me down. Yeah, yeah, sure. Okay. They're going to weigh me down. I want my independence. I don't want to be responsible to another human being. I've got myself to worry about and treat and, and you know, I don't know, a door like I get like, that's fine. I want to see the next story though be why many women are deciding that having a child is rewarding. It can become a very loving, you know, yes, you have to be responsible. Like it just was so gross to me like that. And two years ago, this isn't even news. This is like, Oh my gosh, we got to fill these headlines. What do we get out? Pull that one again. We don't like kids. We don't want anyone, you know, raising children, my God for, you know, I'll say this though, Mike and all seriousness too. Like, yes. Is, is it fun being a college degenerate and booze and all the time and having a blast? Sure it is. We all did it right. I mean, yes, of course it's a fun thing. Is it fun to not care if you can go to bed at 2am or 5am or 5pm? Sure. That's great. But at some point you have to mature as an adult, take your job seriously, take your family seriously and care about things like I always say this, Mike, and this is something I've brought up a million times. Think about being, you know, if you want it, like if you didn't want to have kids, I'm not saying people that can't have kids cause I feel for them. But if you, if you didn't want children, cause you didn't want the responsibility, what do you do in your sixties and seventies with no family? Like that breaks my heart, honestly. Right? Like I, what my relationship with my parents, my wife's with her parents, like it's, it's fun, right? It's, you're a family. You get to do things together and you get to enjoy each other. Who doesn't want that? I just don't get it. Well, there's a lot of people in Washington that actually have spouses and children and grandchildren. And clearly there is not a lot of love and support going on between all of them. Because some of these people, I mean, we know who we're talking about, the Mitch McConnell's, the Joe Biden's, they would not be in front of microphones if people actually cared about them. They would not let those loved ones go through what they go through on a daily basis, unless they have no connection, no personal connection at all. Um, all right. AOC. She's almost the last story of our day, but there's one more after this. So we got a bonus. We do a bonus story here, breaking news. So AOC wins the hypocrisy award mic for this, uh, at least this week, maybe the year on this one decade, this is hilarious. And, um, I'll just set this up for a second. So here she was on CBS's face the nation. And, um, she was discussing president Biden's plan to visit the Michigan auto workers on Tuesday. So host of CBS's face, the nation, Margaret Brennan points out a couple of interesting facts about AOC and her selection of vehicles. So let's go ahead and play that. Yup.
Fresh "Covid" from Stephanie Miller
"I will wear a long gown. Oh, you bought Mackie gowns. Oh, yeah. I have a Bob Mackie jacket. Let's go on Monday. I swear to God, I'm going to get all done. I'm going to get glam squad in here. Okay. I am not going to get here at five o 'clock. Tux and tails. No, no. I'll pick you up a bowler hat. I don't even have a bowler hat. I don't know something. Give me another bow tie. Jamie Ruskin, please. If this dysfunction caucus is going to insist on going forward, we must receive the testimony of Rudy Giuliani and Lev Parnas, the insiders who the know origins of the lie upon which this sham impeachment is based and who worked to spread it. We know that Mr. Parnas is ready and willing to testify and is a former U S attorney and mayor. Mr. Giuliani will surely agree to enlighten us and it's on everything pursuant to clause two K six rule 11. I moved that the committee subpoena Rudy Giuliani and love Parnas to come and testify in these hearings. Thank you. As someone said, this is the bolt impeachment of Biden that Trump got impeached for this ridiculous Ukraine thing that started with crazy, drunky, sweaty Rudy. This is the way, you know, this was the completely debunked thing that they were trying to peddle that got Trump impeached the first time. Oh, Susan found a better phone in Oregon in Oregon. There had to be a better phone in Oregon. There we go. Hi good morning and happy birthday to you. Thank you. I also share this birthday. Thank you. I hope in years past to wish you a happy birthday. But today I want to say that despite what Pat says, I think you look fit and fabulous and maybe even timeless. Thank you. Why? Thank you. And let's, Donna, there was no word on what Pat thought. Right. Pat's involved. I wanted to let you know that got I also my COVID shot and I purchased my pay per view to the show. October 21st on Wednesday. That's what you can do for mama. Get your COVID shot and get a pay per view ticket. Your mommy's favorite. Don't tell the others. And I wanted to say that I wake up with you every morning or to you every morning. And at 74, your theme song gives me great pleasure because I too have a lot of fight left in me. There you go. Thank you. And happy birthday to you too. Thank you. Bye bye. How cute is she? I thought she was saying I was 74. No, no, no, no. You got a little ways to go for your 40, 30 plus years, 47 minutes after the hour. That's what time it is. And Fridays with Frangela coming up or next not next. Well, just in a few minutes, calm down. In a few minutes on the Stephanie Miller show. That just seems intentionally confusing. It's the Stephanie Miller show. Thanks Well, when I found out that even so -called healthy kibble could be as harmful as feeding your dog fast every food day, I switch my dogs to nature's blend of freeze dried raw
A highlight from The No Interruptions Podcast - Remote Vs. In Office Work
"Introducing Carvana Value Tracker, where you can track your car's value over time and learn what's driving it. It might make you excited. Whoa, didn't know my car was valued this high. It might make you nervous. Uh oh, market's flooded. My car's value just dipped 2 .3%. It might make you optimistic. Our low mileage is paying off. Our value's up. And it might make you realistic. Mmm, car prices haven't gone up in a couple weeks. Maybe it's time to sell. But it will definitely make you an expert on your car's value. Carvana Value Tracker. Visit Carvana .com to start tracking your car's value today. This week's No Interruptions podcast on The Mike Gallagher Show has to do with working from home or working in the office. You know, COVID upended everything. COVID has sort of changed the rules. And there are a lot of businesses, it is expected, that will never see people back in the office again. So I wanted to bring two smart people into this conversation. Brett Garrett is an entrepreneur, small business strategist. He started his first business at the age of 24. He founded Serious Plumbing and Air Conditioning. Has had tremendous success. And he has certainly experienced every aspect of the small business cycle. And I think small businesses are the lifeblood of our economy. And he believes that working in person is most beneficial for small businesses as far as productivity, being on a team, not being in solitude. A lot of good arguments on that end of the spectrum. On the other side is Matt Lamb, Matt's associate editor of The College Fix, which is a nonprofit organization run by veteran journalists to help journalists who are just starting out. And boy, do we need a lot of help in that regard. And so you need smart people like Mark. He started out working at Students for Life of America, Students for Life Action, and Turning Point USA. He believes it's actually more beneficial to work remotely with a few caveats. So let me start, guys, with, first of all, generationally. It seems to me that those of us who've been around the block a few times, who are older, maybe more work experienced, probably like the idea of the way things used to be, and that is working from home. Based on your biographies, if I can get personal with you, Matt, how old a guy are you? I'm 29 years old. You're 29. Brent, are you a little older than 29? Just a touch, Mike. I'm 58. There you go. And I wonder, let's start there. Brent, I want to start with you. Is it possible that those of us who are of a certain age, we're kind of used to the way things used to be. Young bucks like Matt come along and they say, hey, there's a better way. Could this just be a generational difference in terms of the belief that working from home is a good idea? It's a great place to start, Mike, and I agree. The baby boomers, I'm actually right on the edge. I'm a den exer. But we grew up with manufacturing mentality. Our parents worked at the factory. They were manufacturers. They built things. They made things. So there are certainly certain lines of work that the origin is that we all work together to produce something and make something better together. So the answer is that one plus one really does equal three on an assembly line when we can all work together. So it is certainly safe to say that those of the past or people who are a little further down the road, we'll put it that way, in their working careers probably do it from that perspective. No doubt.
Fresh update on "covid" discussed on Bloomberg Law
"Didn't record an out. Gave up eight earned runs at Kansas City is the array now just under seven in his final start of the year. Royal score nine times in the first to a 12 -5 victory in the game. One of a three game series Saturday. Clark Schmidt he's on the mound for the Yankees first pitch at 710. Mets in the Phillies washed out in as Queens rain continues to be a problem for the Mets for a lot of this season. Of course that Martin's game Thursday from will be made up Monday if needed as Miami still has a playoff opportunity in front of them. Phillies are ready in a doubleheader with the Phil's and the Mets 4 -10 on Saturday. Week five college football one top 25 matchup Friday 10th ranked Utah pummeled at 19th ranked Oregon State. They suffer their first loss locally Princeton they beat Columbia 10 -7 and 4 -0 Syracuse host Clemson that'll be on Saturday. WNBA playoffs game three in the best of three at Connecticut New York 92 to 81 winner 25 points for Breanna Stewart. With your Bloomberg Sports update I'm Rob Buschka. This is a Bloomberg Money Minute it's a marker of adulthood moving out of your parents house and living on your own but that's not the case with young adults. Many between the ages of 18 and 29 are not only staying with their parents they like it. In this exclusive survey for Harris Poll that they conducted for us almost 90 % of surveyed Americans say people shouldn't be judged for moving back home. Bloomberg personal finance reporter Claire Ballantine. And the young people that I talked to they say that it's no longer sort of a sign of failure. COVID -19 lockdowns in 2020 drove the share of young adults living with their matter what they do they're gonna have to pay their parents and grandparents to 50 % some of them are high paid workers others are playing catch -up after parents after being impacted financially by COVID -19. They're also dealing with inflation and also the housing market market and rent prices being so expensive in many cases people are sort of rethinking that additional pathway and ways they could go about it to save a little money along the Bloomberg Radio. This is Bloomberg Law. What does a prosecutor have to prove in order to get a RICO conviction? Tell us why the Solicitor General is sometimes referred to as the 10th Justice. Interviews with prominent attorneys and Bloomberg legal experts. That's Jennifer Joining me is former federal prosecutor Robert Mintz and analysis of important legal issues cases and headlines is the toughest hurdle for prosecutors proving Trump's intent. Alito took on Congress saying Congress has no to regulate the Supreme Court. Bloomberg Law with June Grasso from Bloomberg Radio. Mhm. Mhm. Mhm. Welcome to the Bloomberg Law show. I'm June Grasso ahead in this hour, a finding of fraud puts Donald Trump's business empire at risk. The Supreme Court's new term starts on monday. We'll look at the upcoming cases with former U. S. Solicitor
A highlight from Eric Diaz's Journey From the University of Georgia to Coaching Rising American Alex Michelsen
"Welcome to the official tennis .com podcast featuring professional coach and community leader Kamau Murray. Welcome to the tennis .com podcast. We are here with Eric Diaz. You remember the name? Eric is son of Manny Diaz, coach of Alex Mickelson, Werner Tan, and right now has his own thing called tier one performance out in the Irvine area. Welcome to the show, Eric. How's it going? Thanks for having me. Thanks for having me. It's great to be on. Great to be on. So I interviewed your dad probably about 2 months ago. That was, you know, we were poking fun about him redshirting Ethan Quinn, you know, not choosing not to play Ethan Quinn later. You know he wins NCAA the next year. It was kind of like, what were you thinking, right? Yeah, one of those tough ones. Oh yeah, it was kind of like, did you think he wasn't ready? Was he, did he think he wasn't ready? Like, you know, you probably could have won NCAA twice. That kind of thing but you obviously came from good tennis pedigree. So, I guess the first obvious question was what was it like growing up with your dad being Manny? You know, because I, it's hard not to take work home, right? Let's just put it that way. You're a tennis coach and a child of a tennis dad. Yeah. You know, I don't know. I think anybody that's been in tennis for a long time knows it's kind of a lifestyle a little bit. You know, there's definitely being the tennis coach and kind of, you know, working toward things but it's also, I don't know, the sport takes so much of you that sometimes, you know, it just feels like, you know, it's second nature. It's kind of a part of it. So, I mean, growing up in Athens, growing up around Dan McGill Complex was always a treat. That was back when NCAA's were kind of always hosted in Athens. So, I got to watch, you know, all the college greats. I grew up watching the Bryan brothers get, you know, sadly then they were kind of pegging some of our guys in doubles matches but, you know, it was really cool being able to sit court side, watch those guys and then, you know, be able to watch them on TV a little bit later. Really cool. Really cool experience growing up. Now, from a junior career, did your dad coach you your whole career or did he hire private coaches to sort of teach you technique? Because I know, you know, coaching at a program like UGA, it is very demanding and sometimes the children of the tennis coach lose out to the actual players and the people who are paying. So, did he coach you? How was that? You know, he coached me. I think he tried to coach me but at the same time, he also didn't want to put too much pressure on me to like, you know, really play tennis and go in. So, he kind of let it be my own thing. I started, I actually went to Athens Country Club, great little spot on the outside of Athens. Alan Miller was the main coach there. So, he helped me out a lot. He actually, he was on my dad's first, you know, assistant coaching team where they won a national title. I think he paired with Ola who now obviously has been with USGA for a while. I think they played doubles and I think they won a doubles title as well. So, I think Alan was a part of the first team championship and then he was also, you know, he won a doubles title there too. I think he might have won two. So, I spent a lot of time around him which was also, it was really cool. You know, it was a guy who was a part of the Georgia tennis family. Athens is really tight -knit like that and so it's special to be a part of that family both, I guess, through blood and through, you know, the alumni. It's cool. Now, let me ask you, did you ever consider going anywhere else, right? I mean, successful junior career, one of the top players in the nation, tons of options. You know, it could be like, you know, there's always sort of the, oh, his dad's going to give him a scholarship, right? You saw with Ben Shelton, you know, Brian Shelton. Obviously, he's going to look out for his kid. Did you ever aspire to like go to another top program or UCLA or Texas or Florida? I think growing up, you know, because I got to see all those teams play. You know, I remember in 1999, I looked up this guy who, he played number one for UCLA. I don't know, this guy showed up. I'm a little kid and he had half of his head was blue and the other half was gold and, you know, UCLA was firing it up. They were really good at the time. I remember that was my dad's first national title in 99. And, you know, ever since then, I really, you know, I looked up to the guys. Every now and then, I got to sneak on to a little travel trip and, you know, I got to see what it was like. But, I mean, for me, it was always Georgia. I thought Athens was a special place, you know, getting to see the crowds that they get there and being able to kind of just see the atmosphere of everybody caring about each other. You know, it was cool looking at other teams. You know, the Brian brothers had the cool Reebok shoes, you know, the UCLA guy with the different hair. But at the end of the day, it was always the dogs. It was always Georgia. So, I was really lucky when I got to be a part of that team and I got to kind of wear the G that, you know, through my junior years, I was always wearing it, you know, but I guess it was a little bit different when you're actually, you know, on the team and representing. I think it's a different feeling. Yeah. So, if you didn't go into tennis, what else would you be doing? Like, you know, I didn't, you know, I'm obviously coaching now, but I didn't go right into coaching. I went to work into pharmaceuticals like marketing, sales, you know, finance. It's always, I always find it interesting to say if I wasn't coaching, I got my degree, I would be doing this. Yeah. You know, if I was a little bit more prone, I think to just loving schoolwork and loving studying, you know, everybody's always told me that I would make a pretty good lawyer just because I'm a bit of a contrarian. I like to argue. I like to challenge everybody that's kind of around me. So, I'm always looking for a good argument. So, I'll go with that. Everybody's always told me, you know, maybe you should have been a lawyer. You argue a Hey, lot. well, I'm sure, I'm sure your tennis parents, right? The parents of the academy probably don't like that one, right? They like to be in control. They have the last say and be contrarian. A lot of the time they do. A lot of the time they do. Yeah. So, you're sort of like stepping out, right? Out of the shadow and you're now on the west coast out there in the with Irvine area tier one performance and quite honestly, making your own name. I know you've had opportunity to coach Alex Mickelson as well as, you know, Lerner, Tan who are both like doing real well, both like main draw this year at US Open. Tell me about the process of moving way west. Yeah. And starting your own thing. Well, you know, it kind of started with, you know, I took that leap and I moved away from home for, you know, the first time because obviously being born and raised and going to school at UGA. I took my first chance and I went to Boise State and I worked under Greg Patton for a year who I'd heard great things about and, you know, all were true. He's a great guy. I thought it was a fantastic experience. So, I did that for a year and then over the summer, the UGA swim coach's son that I kind of grew up with, he was in Newport and so I kind of came to visit and then, you know, all of a sudden the opportunity to be coaching out here, you know, came about and, you know, I did my due diligence a little bit. You know, I looked at the old tennis recruiting pages and, you know, I'm looking at all the talent over the last like 20 years and, you know, statistically, you look at the list and you're like, okay, you know, if I'm in this area and I give myself, you know, the right opportunities and I, you know, learn how to coach properly, you know, I feel like I've had some pretty good experience from some good mentors. You know, then I kind of thought, you know, okay, maybe I can kind of control my own destiny out here a little bit and, you know, over time, it's taken a lot but, you know, over time, I feel like I did get myself some pretty decent opportunities. So, when you first laid eyes on Mickelson, how old was he? He was 12. He was coming out to some point place. It was the first place I kind of rented courts. It was this old rundown beat up club but beautiful. There were some trees there. Nobody wanted it. The courts were kind of run down and everyone's like, oh no, nothing there and I was like, I'll take it. So, you know, it gave me space. It gave me courts. It gave me the ability to kind of try and market. I made things cheap so I could get a lot of kids out there and try and get a competitive environment going and luckily, you know, had a good bit of talent out there where, you know, the kids kind of attracted the kids and I was this young coach, 23, 24 and, you know, over time, you know, people started to kind of gain trust and realize, you know, this guy isn't that bad. So, you know, over time, it kind of, you know, worked in my favor and, you know, everything kind of worked out. I eventually switched clubs to a nicer one and, you know, you move up. You earn your stripes. Now, when you saw him, did you initially see, you know, like super talent because he won our ADK this summer and, you know, it was full of Steve Johnson, Su -Woo Kwong. It was Ethan Quinn. It was other names, right? Kanee Shakuri. And Alex, okay, you know, he got the USTA wildcard. He's a young kid. You know what I mean? Like, sort of under the radar and then he wins the whole tournament in finals Newport on the grass like a week later. So, did you see it right away? Was he like a typical kind of 12 -year -old throwing his racket, having tantrums? What was he like at 12? Alex has always turned on tantrums. But, you know, when he was 12, he was good. But, you know, I'll be honest, there were a handful of kids out there that, you know, Kyle Kang, who's had a lot of success. I saw him. Sebastian Goresney, who Alex won doubles with. There were a handful of others and, I mean, Alex, they were, he was good. If I thought that he would be this good, you know, at this point, I think I'd I don't think I saw that. But, you know, you definitely see that this kid's capable of playing at a pretty good level while he's young. And then, you know, as the years kind of go and then as you sort of see him and his personality kind of develop, you kind of recognize, you know, this, you know, this isn't too normal of a 16, 17, 18 -year -old kid. And then, you know, sure enough, eventually the results followed, which was pretty fun to watch. Yeah, I mean, I felt it was interesting because he was here with like his friend. Yeah. You know, not even like a coach, trainer, physio, nothing. Like him and his homeboy. Yeah. He didn't look like he played tennis. You know what I mean? So, yeah, it was like, it was interesting to show up without, you know, completing against guys who are here with like coaching that they're paying six -figure salaries and who are scouting, right? And for him to kind of move through the draw, honestly, I mean, you know, maybe he split sets once. Yeah. It was actually really interesting. He's an extremely competitive kid. And so, you know, throughout the last few years kind of as we've traveled to some events and as he's gone to some like by himself, you know, the whole understanding is, okay, how well do you really understand, you know, your day -to -day process? How well are you able to, you know, nowadays, you know, with challengers, everything you can stream, you can watch. So, you know, both myself and, you know, Jay, the other coach that's here and helping him out, you know, we watch, we communicate. But, you know, at the end of the day, you know, it was one of those big decisions, okay, are you going to go to college or are you going to go pro? And he's kind of weighing those two things. And it's, you know, if you really think you want to be a pro, show me. And so it's one of those things, luckily, when he's young, you know, you have the, you know, it's kind of freedom. If he loses some matches, okay, you're young. If, you know, you win some matches, okay, great. You're young. So it's one of those things where, you know, we really kind of wanted to see, you know, what he's able to do sort of on his own. How well can he manage emotionally? How well can he, you know, create some game plans and stick to his day -to -day routines? And he, I would say he passed. And did he officially turn pro? He officially turned pro, yeah. Yeah. So I know UGA was going to be where he was going. I know he was undecided this summer, but UGA was going to, was there a little bit of an inside man kind of happening here, right? You know, I mean, you know, I think that, you know, I'll definitely say, I think he had some exposure to hearing about, you know, some Georgia greatness. I think that for sure. But, you know, I'll say it was his decision. Ultimately, I tried to not put too much pressure or expectation on where he was going to go. You know, I think Georgia has a lot to offer. So I think, you gone that route, I think it would be, you know, I don't think we can really fail if, you know, you're going and you're trying to be a tennis player and that's a place you choose. I think it's a pretty good place. Now tell us about Lerner Tan. I'll admit as a player that I hadn't had the opportunity to watch too much. I had not watched him in the challenges at all. But was he also sort of in the program at a young age or did he just sort of come later on? My partner actually, you know, kind of helped him when he was young because Levitt Jay used to be incorporated at Carson, which was kind of where Lerner kind of had his, you know, beginnings. He was a little bit more, I guess I'll say, you know, his talent was Federation spotted, I guess you could say as to where Alex was kind of, you know, the guy on the outside a little figuring his own way. Lerner was kind of the guy that everybody kind of thought was, you know, the guy. Right. And so, you know, it's been fun kind of watching him, you know, see his transition, you know, from juniors to now, you know, kind of becoming, you know, the top of juniors, you know, winning Kalamazoo the last two years and his transition. It's been fun to see. So, you know, I've seen a lot of him out of the last, you know, two and a half to three years. So it's been, it's definitely been a different transition. I feel like, you know, it's a little bit fire and ice there. You know, Alex is the fiery one screaming a good bit and Lerner is the silent killer. So it's, they're definitely different, which I think, you know, is pretty refreshing and it's kind of cool to see them both have success in their own accord. So tell us about Tier 1 then. So how many courts, obviously you grew up, I mean, like, you know, I started in the park years ago, right? In Chicago Park, right? And now I got 27 courts. But tell us about Tier 1 performance now. Where are you? How many courts do you now have? How many kids are you serving? Yeah, we're in Newport Beach right now, which is great. Weather's nice. We have, right now, we're running our program out of only five ports. It's not that big. You know, we take a lot of pride in just kind of being individually, you know, development based. I feel like if you're in our program, you're going to have, you know, a good bit of time from the coaches. You're probably going to have a chance to hit with some of the top guys. We try to be really selective with who we kind of have. Just because in Southern California, it's really difficult to, you know, get your hands on a ton of courts. There's so many people in tennis. There's only a few clubs now. You know, pickleball, even at our club right now, you know, pickleball is booming. You know, so many people are playing. It's keeping clubs alive, which, you know, I think is nice. But at the same time, I would love to see, you know, a lot of tennis courts and tennis opportunity. But, you know, it is what it is. Yeah, man, pickleball is definitely taking over. You see clubs getting rid of one court, two courts, and they think that it's not that big of an impact. But I mean, two courts really makes a difference in terms of being able to spread kids out, get them more time, get more balls and more balls at the time. But it's, you know, I think in tennis, if we want to fight them off, we've got to market better and we've got to grow, right? They're in this growth sort of stage and we're sort of stagnant, you know, so it's not like we're not leaving the club with a lot of choices other than to diversify, you know what I mean? Right. Yeah, yeah, yeah, for sure. So, let me ask you that. So, you've obviously had two kids that are going on. What do you tell that next parent, whose kid's 14, right, may get to see learner Alex come to the academy and number one, they want to homeschool, right, or ask you whether or not they should homeschool or B, you know, whether or not they should choose to go to college or, you know, turn pro. How are you advising parents? Because I get the question all the time. Should we homeschool, right? Should we do whatever? And I always, you know, the answer is always, it depends. Yeah. But what would be your answer in terms of homeschooling to train? Well, look, I definitely think that if your primary goal is to be a tennis player and I think, you know, if you're an athlete and that's kind of what you want to do, I think there's a lot of benefit in homeschooling just because, you know, it enables you to travel. You know, if I get to the ITF level, you know, I need to be able to travel. Those tournaments start on Monday and they go through Friday. So, you know, if I'm in a regular school, if I'm a high school kid, you know, that's a pretty difficult life for me to be able to justify or to, you know, be able to get my excused absences and stuff like that. You know, we're definitely big. You know, if you show me a 14 and under kid and I feel like I had pretty good experience in this just because I saw a lot of kids from the age of 12 to 14, you know, I got to see an entire kind of generation out of SoCal and a lot of them were pretty good. You know, the one thing I think, you know, when you're 12, 13, 14 years old, I think the primary thing kind of for level, obviously it matters how you're doing it, but I think the primary thing is the repetition. You know, I saw a ton of kids where they had a bunch of practices and I knew that that kid probably, you know, had 30%, 40 % more time than some of the other kids. And, you know, sure enough, that kid is more competent at keeping the ball in play. You know, they're able, you know, they've just seen and touched more balls. So, you know, they're going to make more balls. I think it's a balance. I think it really depends on the parents. I think it really depends on the kid. And I think it depends on the environment that they'll be in if they are going to be homeschooled. You know, I will say that, you know, we've had a handful of kids kind of switch from high school to homeschooled and they're in our program. But I feel like there's still strong social aspects in our program. You know, all the boys are tight. They compete a lot. They, you know, I feel like they get their social, you know, they go to lunch. And just kind of our standards are really high. I think this past year we had five kids that graduated that all went to IVs. So, you know, it's totally possible whether you're homeschooled or whether you're in school, I think, to, you know, kind of pursue academic excellence. I think, you know, just because you're doing one thing and not the other, I don't think that that necessarily, you know, takes that away from you. I think tennis can open a ton of doors. And I think I kind of, you know, we've kind of seen that in the last few years. I've seen a lot more tennis kids choosing IV ever since 2020, I feel. I feel like the IVs have been pretty hot, especially for some blue chip players, which I think, you know, if you look prior to 2020, I think the percentages took a pretty drastic jump, which is interesting to see. Yeah, you know, it's funny, you know, in some markets you see people playing for the scholarship and in some other markets you see them playing for entrance, right, into the Princeton, the Harvards. And one of the myths, like, I think if you think about basketball or football, right, the better basketball football players are obviously choosing the SEC, right, Pac -12, whatever that is. But in tennis, you know, I think that, you know, your academics and your tennis have to be, like, at the top scale to go, just because you're not like a bad tennis player if you go to Harvard, you know what I mean? Like, the kid that goes to Harvard or makes the team probably could have gone to PCU, right, or Florida or whatever, you know what I mean? And so it is interesting to see the number of people who say, yes, I've spent 30 grand on tennis for the past eight years and I'm still willing to pay for college, right, because I got into Princeton, Harvard, Yale, etc. But I think it's a big myth where, you know, the United States is so basketball focused, we see Harvard basketball as, like, okay, that's everyone that didn't get chosen by the Illinois, the Wisconsin, the Michigan. And it's not the same, you know what I mean? Yeah, it's different for sure. So when you think about, like, the Ivies, right, you see a lot of kids go to East Coast and you think about, you know, COVID obviously changed something with the home school, you know, sort of situation. People who never considered that it was possible were like, okay, well, we've been living at home for a year and a half and doing online studies, it's not that bad, you know, they're more focused with their time. Did you see more people from families who you thought would not have done it try it post COVID? Yeah, definitely. I think the really popular thing that a lot of people are doing now is kind of a hybrid schedule, which I actually really like a lot. At least in California, I don't know if the schooling system is different everywhere else. I know it was different where I was from. But a lot of these kids, you know, they'll go to school from 8 to 1130 or 8 to 12. And, you know, they have their three hours where, you know, I don't know how they stagger their classes and stuff like that. But I know that pretty much every kid at every school in SoCal is at least able to do this if they so choose. And so they're able to get released around 12 or something. And, you know, they're able to be at afternoon practice and get a full block in. You know, for me, that still enables you to get the hours you need on court and to be able to maintain some of that social. And, you know, if you become, you know, really, really good, I guess, okay, by junior year, maybe you could consider, okay, maybe I should take this a little bit more seriously, maybe I should go full time homeschool. Or, you know, a lot of these kids are in a place where it's, you know, I'm comfortable with my tennis, I like where it's at, I feel like it'll give me opportunity in college. My grades are great. And, you know, maybe that person's a little more academically inclined. And, you know, they want to have a career and they feel like tennis is that great stepping stone. Which I think is a really cool thing about our sport is it just opens a tremendous amount of doors. I feel like if you figure out how to develop and be a good tennis player and how to compete well in tennis, you can you can apply that to almost everything in life. Yeah. So you talk about opening doors, right? When Alex or Lerner were sort of deciding whether to walk through door number one, which is college, or door number two, which is which is obviously turning pro. Right. How did you advise them? You know what I mean? If I say, hey, you know what? Take a couple wildcards. If you went around or two, maybe you go to college. If you win a tournament, maybe you stay out there. If an agency locks you into a deal, right? Then, you know, they normally know what good looks like and they normally have like the ear of the Nike, the Adidas, right? Then you turn pro. What was your advice in terms of if and when, right? Yeah. For those who ask. Well, they were both in different places. I'm gonna start with Lerner cuz he's younger. He actually, you know, did a semester in college. You know, Lerner finished high school, I think, when he was sixteen, sixteen and a half. And so, obviously, your eligibility clock starts, you know, six months after you finish your high school. So, for him, it was, you know, he was so young, he didn't really have much pro experience at that time. You know, he did great things in juniors. You know, he won Kalamazoo. He got his wild card into the men's that year and then, you know, he played a little bit of pro kind of and then, you know, that that January, he went in and and did a semester at USC which I think was a good experience for him socially. He had some eligibility problems which, you know, only let him play about five, six matches toward the end of the year which was kind of disappointing and then, you know, he won Kalamazoo again and so, you know, that was the second trip there and then, you know, by then, he had a little bit more exposure with, you know, agencies and brands and kind of, you know, the stuff that you'd like to see that'll actually give you the financial security to kind of, you know, chase your dream and pass up, you know, the the education, I guess, for the time being. So, you know, I felt like that was really the security was a big was a big thing for him. You know, prior to winning Kalamazoo for the second time, you know, he still had Junior Grand Slams to play. He wasn't playing men's events. So, for him being that age, you know, it was, well, you know, I'm I'm not in a massive rush so why not get a semester in and I think he had a great time. He really liked it. I mean, he he speaks pretty positively about the dual matches. He actually follows college tennis now a little bit more. You know, he will talk about some dual matches which I think is pretty cool and you know, I think it gave him some confidence getting to play for university, getting to represent, you know, seeing that university promotes you. I think there's a lot of benefits there and now, you know, he's got an alumni base. You know, people talk about all, you know, he's a USC Trojan and stuff like that. You know, you see it at all different tournaments. You know, guys are wearing a USC hat and, you know, hey, learner, da da da and you know, I think that that's pretty cool to be a part of, you know, a big family of people who are proud that, you know, they can say they played in the same place and then Alex. Alex was, you know, he was a little old for his grade and he was one that he committed and, you know, the whole time him and learner kind of, you know, talking and, you know, about going pro and da da da da. You know, obviously, it was their dream. You know, I just kept telling Alex, you know, I don't want to hear it. I don't want to hear it until, you know, it's a real problem and so, you know, he gets to 400 in the world and, you know, it's what you do. You get to 400. You know, it's good but at the end of the day, you know, you're not, your life's not changing because you're 400 in the world. You know, so he's 400 in the world and he's, you know, saying stuff to me and I'm like, I could not care less you're going to college and then it was, you know, this was probably in January, February, you know, he starts to kind of do a little bit better and I think at that point, I recognized that he was better than a lot of the guys kind of at the challenger level. You know, just from my perspective, I was seeing kind of what it was, what it was to be 300, what it was to be 200 and I think at that point, like February, March, I fully knew that he was good enough to be there and to be winning those matches but at the same time, you know, having financial security, having set, you know, all of those factors that kind of go into whether I'm going to pass up my education and go pro. You know, it's a big decision and so I remember we were putting it off. I just said, you know, nothing till US Open. I was like, we're not, we're not talking about college till US Open. I said, you know, when we get to US Open, you finish US Open, you have that exposure, you know, we see what happens in those two weeks and then, you know, then we'll kind of make a decision but until then, like, don't even think about it. Don't talk about it. Don't care. You're going to school and I think that mentality really helped him kind of just play free. He was, you know, I'm not playing to go pro. I'm trying to do my job in school, finish my high school. I'm going to tournaments, playing great, just trying to compete and, you know, lucky for him, you know, well, I guess it's not lucky at all. That kid worked his absolute tail off but, you know, he had that success in Chicago at your club and then, you know, he made that little Newport run and I think by then, that was his third or fourth former top 10 win and, you know, he won his challenger. He final the challenger. He'd semied another one. He had kind of shown and, you know, some people have gotten attention and they started believing in him and so then, you know, that's when that big decision kind of came but I feel like for him, he really established himself, improved himself amongst pros which I think is an interesting thing because a lot of the time when you see these juniors kind of go pro sub 18, a lot of the time, it's because they had tremendous junior success which then made them, you know, they had grand slam success and stuff like that but Alex didn't have any of that. You know, Alex was kind of the late bloomer that, you know, in the last year when he was already 18 and aged out of ITF, the kid really just took it to a new level and, you know, I think he really showed that he's kind of ready for what the tour has to offer.
A highlight from Our Mission at EBCC
"September historically has been the kickoff month for our new church year. In the past, this month was when his kids on Wednesday evening began and when we also started up our prayer meeting on Wednesday nights after taking the summer off. But COVID kind of put a crimps on his kids as well as Stanley's stroke. And Wednesday night in Bible study actually was moved virtually before COVID but then it became virtual during COVID and has since moved to Zoom. So, you know, we still kind of consider this month as our traditional historical, our month for kicking off our new church year. This last Sunday, a past Sunday in September marks my anniversary year as your pastor here. Last week I finished 26 years of ministry here and I'm starting my 27th year. Where has the time gone? Except I see some people that I knew when they were real little kids and now they're now they're grown and married. I had part in marrying them, you know, so I do know I'm getting older but, you know, I thought about this over the passing of time with COVID and we've had deaths in our family and we've kind of been apart and now we're together again. It's very easy for us to forget why we are here, why we exist. In the midst of all the activities, we lose sight of our mission. So, on this Sunday that we have dedicated to missions with our multicultural mission event planned for tonight with Curt and Carol here with us this morning and tonight, I want to spend a few minutes this morning refreshing our memories. You know, Peter talks about refreshing memory in second Peter chapter one, about bringing back to your remembrance things I've taught you in the past. And so, I want to spend a few minutes this morning refreshing our memory and what is our mission here at EBCC? Why do we exist? Well, our mission is simply this. It's to share Christ and to build believers, to share Christ and to build believers. This is our mission statement. This is why we exist. We're here to make and build true, genuine, fully devoted followers of Jesus Christ. But how do we do that? How are disciples created and built? Now, I find this question, how are disciples created and built intriguing on two counts. First of all, we who have accepted the invitation to come to me that Jesus says, all you who labor in a heavy laden and I will give you rest. We are now Christ's disciples and we are in the process of being made or being built up in Christ.
A highlight from Wall St Calls Fed Bluff! Interest Rates DROPPING to 0% Sooner? (Historical Data Says YES! )
"The Federal Reserve, in their latest FOMC or Federal Open Market Committee meeting this past Wednesday, decided to not increase interest rates and rather take a pause, keeping the current rate of 5 .25 -55 % in play. And Jerome Powell signaled to the market that the Fed intends to keep interest rates higher for longer with potentially one or two more rate hikes in the coming months and tighter restrictive monetary policy than previously anticipated through 2024. Following that, all across media we have different experts and talking heads in the financial industry talking about, yeah once the Fed reaches its goals they will start decreasing interest rates by a quarter point here, a quarter point there, over a stretched out multi -year period of time. So everyone should brace themselves for potentially 5 plus years of a high interest rate environment. And as crypto investors, as people on our journeys building wealth to achieve financial freedom, in this extremely crazy unprecedented macro environment, what are all these experts and talking heads basing these predictions on? And more importantly, what is the Federal Reserve basing this roadmap off of? You'd think off of at least one single part of its 110 years of existence, you'd think they would reference at least one part of its century span of history, you would think it was based on some piece of past data for instance, but it's not. Everyone is making some random wild guess based on their imagination and Wall Street is calling their bluff. Check it out. When rates drop, they usually plunge. The Fed thinks different. History suggests central banks expected scenario isn't likely to happen. The Federal Reserve is hoping for something it has never managed before, not merely the softest of soft landings for the economy, but the slowest rate cutting cycle in its history. Up the stairs, down the elevator. When the Fed cuts rates, it usually slashes them. It expects to be different next time? Is it though? Is it going to be different? Let me know what you think in the comments below. Since COVID, the this time is different narrative has been a popular one, so will it pan out? You tell me. In the meantime, let's take a look at this chart that shows interest rate changes over the past several decades. The most recent instance is almost a perfect stairs looking hike and elevator crash. Then back in 2005, we've got another longer period of hikes followed by a drop in rates and zooming out a third, fourth, fifth, sixth and seventh instance of similar activity ranging back to around 1975. But here from the precipice of the pause here, this elongated gold line here is the Fed's forecast that all these talking heads in the mainstream media are also forecasting. There has never been a drawn out series of rate hikes ever, and smart money knows it. They seem to think they can just coast down slowly, said David Kelly, chief global strategist at JP Morgan asset management. It never happens that way. So who's your money? The Fed and the talking heads or Wall Street? Let me know in the comments below. Either way, we need to be prepared for any and all scenarios as crypto investors speculating on new innovative technology that still doesn't have a play. What should we be mindful of? What other scenarios could play out in the next six to 12 months, we should consider in order to increase our chances of potentially experiencing financial relief in this insane, unprecedented market. Hello, I'm crypto Casey and welcome to another episode of crypto this week. Let's take a look at the global news stories and state of the current macro environment.
A highlight from 10 Fun Facts About Realtors (#7 Will SHOCK You!)
"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money, and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. We are back. We've got a fun show for you today. We are talking about the National Association of Realtors member profile. Julie and I picked out what we feel are the 10 most interesting points from the member profile and I think point number seven, maybe even point number eight will really surprise you. So Julie, we have a lot to go through. Let's just jump right in. Yes, this is about all of you listening and the agents that you deal with day to day. I think I had a few little mini surprises, but let's go through these relatively quickly. First of all, the typical realtor had 11 years of experience. That's actually up from eight from last year. I think that that's probably surprising to some of you because you know, there are a lot of new licensees and some of you deal with each other all the time, but 11 years of experience is the average. Now we're going to just remember as we go through these points, Julie and I are going to do our best to sort of decipher, I think in a lot of ways, some of this information because when it gets to, for example, they're going to, we're going to talk about average income for the average agent and all the rest of it, but they don't think it's confusing to be honest with you. I can't really understand and maybe somebody who is more knowledgeable about this stuff can put in comments, Nara will often say things like the family income or the household income of the average agent, but I'm not so sure. I mean, does that mean like for example, there's a guy and his wife is a brain surgeon and she makes like $14 million a year and he makes like $4 a year selling real estate, you know, and so obviously that's going to affect the average agent's income. Again, I'm not sure I'm reading the question correctly, but let's just get right to it. Yes, that's right. We'll translate as best we can with the information we've got. So next is interesting because with the market shift, a lot of people like to say, oh, everybody's going to get out of the business and yet 76 % of realtors were very certain that they will remain active as a real estate professional for at least the next two years. Now, Julie and I predicted that when the COVID hit and all the rest of it, that there would be no major drop off in the number of members of a national association of realtors. And those of you who've been attached to us for a long period of time, you will remember us telling you why, and I'll for the rest of you tell you why now, because in previous, you know, fortunately there wasn't a slowdown following COVID, but in previous slowdowns or recessions or all kinds of other things like that in the economy, there hasn't been a decrease in the number of agents, but an increase. And so Julie and I went back as far as we could find from national association of realtors looking at the number of members, and it was very clear that what we theorized was correct just simply by looking at the numbers of agents joining during economic slowdowns. So why do people get real estate licenses during slowdowns? Side hustle. That's true. They need to make more money. Or maybe, you know, if you go back to the sixties and seventies, there were a lot of ladies that were looking to get into real estate that maybe hadn't had out of the home employment before and things of that nature, retired people, but really the real reason why Julie and I knew there wasn't going to be a precipitous drop in the number of, you know, members of the national association of realtors was demographics and demographics ultimately is going to run the show for the real estate industry for the rest of our lives and beyond. The number of humans in the United States that want and need to buy or sell real estate is only increasing. And it didn't make sense to us that, uh, just because there would have been hypothetically because of COVID some kind of slowdown, which as all of you know, there was not quite the opposite actually. Exactly. And just a flash forward to today, we now see that again, Julie and I's theory was correct and you notice all the other naysayers that were, uh, predicting doom and gloom about the number of agents dropping dead, like, you know, 2014 levels or whatever. They're all wrong. And the total number of agents did decrease, but I think it was, it was by basically nothing. And now here's another prediction. Wait for it. We are expecting the number of people getting real estate licenses will start to increase over the next 12 months. I'm following, I think what was a lot of people deciding to, you know, should I get a license? Shouldn't I get a license? And here's how I know that's true. The number of emails and the number of texts I get from people who are getting real estate licenses who want to join Julie and I at eXp royalty is through the roof. Absolutely. And I would also concur from my own private elite coaching clients. Many of them have gotten their adult children licensed, their transaction coordinator licensed, their assistant licensed. You know, there's a lot of things that happen, um, with a change and doing more volume that just, you know, people want to have their family work in the business. There's lots of that going on about 6%. By the way, I did read that about 6 % of current licensees, uh, got licensed as a result of doing something during COVID, you know, supplementing their other job, for example. That's a good point. I mean, there also was a baby boom, you know, so between studying for the real estate test and the, you know, the other thing, I guess there you go, Oh, and I'm sure a lot of those babies eventually get licenses too. I mean, Zoe's already wanting to get a license. So as far as those of you who are looking to upgrade your brokerage experience, a reminder Julie and I are proudly associated with eXp royalty. So if you're looking to join eXp royalty and you're looking for a sponsor, they'll be very proactive in your success at eXp. There are two paths forward for you. Number one is you could just text me directly, and this is if you're ready to land the plane and join eXp and you're ready to choose your sponsor, text me directly at 512 -758 -0206, 512 -758 -0206, text don't call. The other thing you can do also is if you're filling out the application, just put Julie Harris, Georgetown, Texas as your sponsor. If you want to learn more about why so many agents are joining with Julie and I in our group at eXp Realty, by the way, our eXp Realty group, listen to this guys, our eXp Realty group so far this year has done 3 billion, 300 million in real estate transactions on over 11 ,000 transactions if I remember correctly, most of which are on the seller side. So if you want to talk about an incredible success during what should be a slower year for virtually everyone, our eXp Realty group is actually increasing by significant margins and units and in total dollar volume. So yes, we'd love to have you as part of our overall group and if you're ready to join eXp Realty here are your two paths. One, you can just frankly scroll down and click the link and go over that's in the show description below and read more about our eXp Realty group or you can just text me directly at 512 -758 -0206, 512 -758 -0206. In the market that is going to start happening, we're going to guess the next 6 to 12 months it's going to feel very much more like a real estate, frankly, recovery if not a surge. You definitely want to be with a broker that's going to have your back and definitely want to be with a team that you know is experienced to make it so you can help the most people and maximize your potential in real estate and please do consider Julie and I for the job of being your eXp Realty sponsors. All right, next surprising point. Well, next, in last year based on the NAR report, the typical agent had 12 transactions which was the same as the previous year. Now what was the sales volume? Well, the median sales volume for brokerage specialists increased to 3 .4 million from 2 .6 million, so things are looking up there as well. Now they always do a survey about how agents perceive what's going on with their prospects, right? Let's go back to that point, okay? So again, this always goes back to the interesting things when you dig into the numbers. So if the average agent and we are talking about 12 transactions, right? I'm looking at your notes. So 12 transactions and the average home in the United States is $400 ,000. So if you did, for example, I mean, if it's you guys, whatever your market commission is, but let's just call it $10 ,000, $10 ,000 times 12 transactions is $120 ,000 a year and you wonder why real estate is such an amazing business to be in. I mean, come on, it's incredible because during inflationary times, yes, everything is getting more expensive, but so is real estate, which means your average commission is also increasing. Look how smart you were to be in real estate where most everyone else is suffering from inflation and the cost of living and all the rest of it. You actually have a built -in pay increase year after year as things start to inflate even more so in real estate. So there you go, go you. Exactly. And related to that, 17 % of agents sold 10 million or more in volume, 4%, 15 million or more, and 5%, 20 million or more. Some of that you can chalk up to higher average sale prices, but again, go you because it's baked in that you're going to make more money doing more deals at a higher price, right? Okay, so let's look at the next one. All right, so at 32%, lack of inventory remains the most important factor limiting potential clients from making a purchase followed by housing affordability and difficulty finding the right property. I think difficulty finding the right property is the same as lack of inventory.
A highlight from Europe's Anti-Bitcoin Bill Reveals Plan to Stop Adoption | EP 829
"It's all going to zero against bitcoin it's going up for ever more you're against bitcoin you're against freedom yo welcome to simp with bitcoin live we're the number one source for the peaceful bitcoin revolution we will be your guide through the separation of money and state speaking of the separation of money and state interesting news coming out of Europe kind of not as bad as the proposed bill by Elizabeth Warren that we covered on one of simply bitcoins simply bitcoin lives episode this week but it's something very similar right this idea that every single transaction needs to be KY seed right and then I think that will inevitably lead to the any host unhosted wallet needs to be KY seed all right the the wording specifically in the Elizabeth Warren bill included any minor any validator any software wallet so you know it's just of course the powers that be that tremendously benefit from having a monopoly on the creation of money having controls on money of course to benefit themselves of course they're not going to be okay with this and this was the theory that was originally you know put out back in the 90s in the book the sovereign individual I'm going to read you guys a passage from that book because I think it correctly predicted exactly the reactions from governments I don't think governments have been able to they're not used to this environment where they have competition and most importantly not only do they have competition but they can't shut down the competition right because we remember we saw Facebook try to launch their own you know digital currency and they got shut down real quick the thing with Bitcoin right and Bitcoin only right because aetherium is inherently centralized meaning it will inevitably be co -opted so they have no choice but to ally with the state and they were in order to survive but with Bitcoin can't be stopped and because it can't be stopped it creates a forcing function in the long term as more and more individuals choose to opt out of inflationary money into deflationary money so yes of course times are changing but it's not only on the money front right we're not only living through the disintermediation of money but we're also living through the disintermediation of information and yesterday was a historic day I've never seen this in my life the UK Parliament sent Russell Brand an extremely popular independent content creator a letter to rumble we love rumble by the way we're on there subscribe to us on there and shout out to our rumble audience as well it's been growing by the day so we appreciate you all they sent a letter to rumble asking rumble to demonetize Russell Brand like YouTube did so we have governments that are directly asking platforms to demonetize content creators of which they don't did they don't agree with that is absolutely absurd and these are the same governments that want you to trust them with central bank digital currencies if they had central bank digital currencies in place they wouldn't even have to ask the platforms they could just flick the switch themselves so when we say Bitcoin or slavery or how beauty on said it and I'm starting to lean this way to Bitcoin or death we are not exaggerating and you have to choose what world do you want to live in in the future and most importantly what world do you want the future generations your children your children's children to live in so it's gonna be a great episode I'm really looking forward to it you have to stay on top of what's going on anyways we also we also have a very special treat for you guys we have the head of customer experience from foundation devices the maker of the passport hardware wallet and he's gonna do a live demo for us during the culture cement segment so I'm really really pumped about that let me bring up let me bring him up on stage Bitcoin Q &A you're quite well known on Bitcoin Twitter as well how you doing buddy yeah doing very well thank you very much for having me I'm psyched to shoot the shit with you guys this evening well even in my time but yeah certainly some interesting goings on especially around the Russell brand thing so I'm sure we'll be able to share some insights on that one but not a good look yeah I completely agree man it's it's some some interesting times we are living through people some people call it the fourth turning I don't know man but the phrase that sticks with me the most is weak men create hard times hard times create strong men strong strong men create good times we're definitely going through this era and then I think it was actually Vladimir Lenin that said the very very famous quote right where there are decades that nothing happened and then there are weeks that decades happen I think we're definitely living through this moment of time anyways no more delay let's bring up my legendary co -host not optimistic today no smile oh there's this smile sorry I was caught reading the channels optimistic fields how you doing bro well I am doing wonderful and I'm actually really excited for this culture segment today guys I got a sneak peek of the demo that we're going to see and I think there's gonna be awesome this might be a simply Bitcoin first for the live show but to the news stories and stuff it really just goes to show that if you speak the truth you are the enemy of the state and I think more and more and more people are waking up to this because they either continue to de -platform you from your banks or de -platform you from social media for saying what they don't want to be said you know for saying the quiet part out loud and you know this is why we do our show in a very particular way so that we can survive on YouTube but man it really just goes to show that the powers that be are completely terrified of people talking about the truth hence why you guys need to talk about it more and continue to spread that signal but it just goes to show that this is the the last I don't know the last gasp of the great Leviathan you know what's them saying like darker before the dawn like this is their last grasping at straws to control the truth and and I mean I've been saying for a while I think the monopoly on truth is slowly and dwindling they're going to try to make examples of this so you know just be prepared we know what's coming so protect yourselves protect your family and continue to spread the Bitcoin truth the Bitcoin signal actually just truth with a capital T I suppose anyways Niko let's let's get into this one let's get into this one let's get into the show man I'm really really excited alright guys let's get to the numbers we have a lot to talk about today and I'm super is your Bitcoin in cold storage really secure is your seed phrase really secure stamp seeds do -it -yourself kit has everything you need to hammer your seed words into commercial grade titanium plates instead of just writing them on paper don't store your generational wealth on paper papers prone to water damage fire damage you want to put your generational wealth on one of the strongest metals on planet earth titanium your words are actually stamped into this metal plate with this hammer and these letter stamps and once your words are in they aren't going anywhere no risk of the plate breaking apart and pieces falling everywhere titanium stamped seeds will survive nearly triple the heat produced by a house fire they're also crush proof waterproof non -corrosive and time proof all things that paper is not allowing you to huddle your Bitcoin with peace of mind for the long haul stamp your seed on stamp seed alright guys I literally made it super easy for you guys you can scan the QR code on your screen it will take you directly to stamp seed website you can get you could store your generational wealth on titanium so you don't have to explain to your children why you lost your Bitcoin because you stored it on paper you can use promo code simply get 15 % off anything on the stamp seed website at the time of recording the Bitcoin price is twenty six thousand five hundred and seventy sats per dollar three thousand seven hundred sixty four block height eight hundred eight thousand seven hundred twenty nine blocks to having thirty one thousand two hundred seventy one having estimate April 21st 2024 total lightning network capacity four thousand eight hundred fifty five Bitcoin capacity value one hundred twenty nine million US dollars realized monetary inflation one point seven five percent the market capitalization of Bitcoin currently sitting at five hundred and seventeen billion dollars Bitcoin versus gold market cap four point zero one percent in the grand scheme of things Bitcoin is still a baby if Bitcoin reaches not if when Bitcoin reaches the gold market cap that is five hundred thousand dollars per coin and I think that's just getting started anyways we played you guys a video yesterday of a member of the United Nations talking about how we are in an information war we played you guys the video and she was basically recommending that that that they no longer have people to call on on Twitter to censor information she was also saying how there's an army of people that are propagating United Nations approved information well you know she's she's talking about as if the information that's coming out of the United Nations is a matter of fact right she's talking about the problem of disinformation disinformation well my question to you guys is who gets to decide what is disinformation and what is information right well we advocate for on simply Bitcoin is individuals not central planners not governments using their own critical thinking abilities right to dictate okay this is a good idea this is a bad idea right this is how the American this how the American Constitution it's literally written like that that there's a reason that the First Amendment is the way it is right the government or Congress should make no law you know basically censoring or stopping the freedom of the speech of people right and they made it that way for a reason because if there is a central authority if there's a government that gets to dictate what information is true what information is not true history has shown that they'll use that power to protect their own political mode right so thank God for the internet thank God for technologies like Bitcoin thank God for technologies like Noster for example they can't do this anymore and because they're not able to do that they're freaking out number one and number two and number two it becomes a forcing function over a long period of time but that doesn't stop them from trying here is the former New Zealand Prime Minister at the United Nations saying that that words are weapons of war right weapons of war if so if you say something against the government that all of a sudden becomes a weapon of war and again this has escalated it is escalated to the point where the UK Parliament has asked rumble to demonetize Russell Brand who's a very popular content creator who goes against the legacy corporate media's narratives right and it kind of embarrasses them so what are they doing they're attacking his money they're saying rumble okay they can't they've tried to deplatform people before they've gotten a lot of pushback so what they do instead is that they attack his pocketbook obviously YouTube complied they demonetize Russell Brand's content but rumble said no we're not doing that so love that of rumble we're on rumble we support rumble that's awesome but another thing that I want to say is that the allegations against rubble Russell Brand are just that they are allegations they have not been proven so something that has not been proven is a justification to shut off someone's living that is insane anyways let's check out this letter and this is a letter by part by the UK Parliament the specifically the cultural culture media and sport committee to the CEO of rumble Chris Palavoski who says dear Chris I'm writing concerning the serious allegations regarding Russell Brand in the context of of his being a content provider on rumble for more than 1 .4 million followers the cultural the culture media and sports committee is raising questions with the broadcasters and production companies who previously employed mr. brand to examine both the culture of the industry in the past and whether that culture still prevails today however we are also looking at his use of social media including on rumble where he issued his preemptive response to the accusations made against him by the Sunday Times and Channel 4 his dispatches while we recognize that rumble is not the creator of the content published published by mr. brand we are concerned that he may be able to profit from his content on the platform did you hear what they said the government is concerned that Russell Brand might be able to profit from his content because there was some allegations made against him conveniently a lot of Russell Brand's content is criticisms of the government so I mean big coincidence I guess you would you could say we would be grateful if you could confirm whether mr. brand is able to monetize his content including his videos relating to the serious accusations against him is so we would like to know whether rumble intends to join ryu tube in suspending mr. brand's ability to earn money on the platform we would also like to know what rumble is doing to ensure that creators are not able to use the platform to undermine to undermine the welfare of victims of inappropriate and potential potentially illegal behavior so they asked rumble to demonetize a content creator an independent content creator that's the key word when we had Parker Lewis on the show and I was talking about the legacy corporate media he didn't say no Nico it's not the legacy corporate media it's the legacy government media so anyways why is this happening I think Jeff Booth said this perfectly we read this to you guys the other day and this all boils down to the money this is why we say as Bitcoiners fix the money fix the world here's Jeff Booth he says because broken money Elon Musk said how did most of the legacy media go from superheroes of free speech to supervillains of speech suppression and Jeff Booth says because broken money ensures the centralization of power by stealing the productivity through inflation that should flow to society in the form of lower prices then those enriched by that theft and subsequent power must control the messaging to keep it but it all it wasn't only Jeff Booth that said this here's an article from our friends over at Bitcoin magazine of nine Bukele the president of the country shining on the hill the Savior El Salvador the first country that made Bitcoin legal tender the beachhead for the Bitcoin movement around the world he goes on to say the most vocal detractors the ones who are afraid and pressuring us to reverse our decision are the world's most powerful elites and the people who work or benefit from them they used to own everything and in a way they still do the media the banks the NGOs international organizations and almost all the governments and corporations in the world and with that of course they own the armies the loans the money supply the credit ratings the narrative the propaganda the factories of food supply they control international trade and international law but their most powerful weapon is their control of the truth and they're willing to fight lie smear destroy confiscate print and do whatever it takes to maintain and increase their control over the truth and everything and everyone I think come from Nico or simply Bitcoin that came from the president of El Salvador name Bukele so what is happening here two things are happening here thing number one the internet has empowered individuals and those individuals can now use the internet to uh to grow these massive platforms themselves and because they're individuals they're a lot harder to co -opt and at the same time we are witnessing the distance remediation of money that internet has allowed Bitcoin and Bitcoin has empowered individuals to choose their own money too so government states NGOs international institutions right that have had this privilege of having not only having the monopoly in the control over money but also the monopoly in the control over information it's quickly diminishing in front of their eyes and of course that system is fighting back they can't take that they've been used to operating in a system where they've been able to control the narrative they've been able to control the truth and that is slipping through their fingers and they don't know what to do and that's why they're short -circuiting the way they are that's why we've gotten to a point where the UK Parliament is literally asking a platform to D monetize an independent content creator not to mention all the stuff that was revealed during the Twitter files where it was exposed that the US government even though that is explicitly against the US Constitution the government should not be censoring speech was asking Twitter to D platform D boost and censor certain speech and these are the same governments that also want you to trust them with central bank digital currencies and they expect you to believe that they're not going to use central bank digital currencies as a weapon as a forcing function in order to control your actions as a individual and this was all predicted I might add in the book the sovereign individual which we'll get to during the new segment but this is some crazy times now what can you do to protect yourself in this particular situation do your own research pick what information sources you choose you you want to choose I love Twitter because it's like a news aggregator and the the news that you know pops up pops up Noster is a great platform rumbles a great platform YouTube is is good to do your own research don't rely on a single information source and then most importantly the most empowering thing you could do is to opt out of state money opt into Bitcoin I think that's the most powerful thing you could do look the most important the most important vote you can make that voting for a Democrat or Republican it's not to say that it's not important to vote but the most powerful vote that you can do that will actually change things is voting with your wallet opt out and the way that you do that is you buy Bitcoin earn Bitcoin mine Bitcoin and take that said Bitcoin into self custody the moment you do that you're part of the peaceful Bitcoin revolution whether you are aware of it or not and that is how we win if enough people take self custody we win and there's nothing they could do about it speaking of self custody we have the head of customer experience with us today Bitcoin QA and you guys make it super fucking easy to take self custody with the hardware wallet that you guys make and not to mention the awesome application that you guys make so Bitcoin QA what's your take on this whole Russell brand stuff I can't believe we've reached this point if I would have been told this five five six years ago I would have said that's impossible there's no way that's that that's so ridiculous what's your take on all this yeah before I enter you I've just got to say that was one hell of a fucking monologue I take my half to you that was fantastic yeah kudos and yeah the whole Russell brand thing man just completely shocking another example yet another example of government overreach Russell brands been a thorn in the side of the UK government if you can't tell by the action by the way to anybody's listening that I'm from the UK and he's been a thorn in their side for years and he's a very well educated man he's very well spoken and he has drawn a lot of following by speaking out against money printing against government policy he was rabid about the whole covert thing pharmaceuticals getting rich because of you know yeah you know all of the corruption that went on over those couple of years and I see this recent letter as that them seeing the opportunity as they're into trying you know get one back on him you've touched on earlier that the fact that all of these are just allegations at the moment and the fact that they're going around trying to take money off him from you know he's not been convicted of anything at all that's not see won't be but right now they're just allegations and they're trying to take his money off him it's just completely shocking and they're just trying to lash out because he's been a pain in their ass royally for years so yeah I mean they're just they're just overreaching and leveraging their powers wherever they can just to kind of deep platform and then hurt his wallet as well unfortunately yeah 100 % they attack his money they attack and again like they attack his money and they're also like hey guys these CBDCs like we'll respect your privacy you could trust us what are you talking about anyways Opti what's your take well I actually I kind of want to ask Q &A question because there is some talk about this in the chat what's your thoughts on Russell Brand being like controlled demolition Q &A whoo how do you mean like basically that this is like an orchestrated attack you know once everyone's talking about this maybe Russell Brand isn't necessarily as much of a truth speaker as people are making him out to be like does he actually believe what he's saying or is this just kind of one of those things where you know you create a figure and then you kind of tear him down to discredit the whole movement in general the whole truth movement yeah possibly I think I think most of what he says is genuine he before he started doing all of the YouTube stuff like he was he was a you know some form of a celebrity he had a big following and could have monetized himself as a product in many many other ways by coming out and being as outspoken as he has against the the prickly topics of like money printing and you know COVID etc he must have known you know he's smart enough to know that would have been incredibly divisive to people that followed him so I lean towards the fact that he's genuine and the fact that they're probably gonna try and use him as a scapegoat to warn ward off other people that kind of speak out against any government policy etc etc yeah I'd agree I mean like especially considering what his status was it's hard to follow the incentives and be like yeah he's got a lot to gain from this when in reality he's on the verge of losing everything so I'd agree with you and then just kind of going back to the beginning of this rant and and people are saying epic daily Nico Jones rant today so good job Nico I like when Nico gets get animated remember growing up guys when I grew up I had a saying and I'm sure your mother told it to you as well and we all probably said it in kindergarten you know sticks and stones but words may never hurt me and now we grow up in a world where words are violence like what is going on guys and that's a convenient it's a convenient way I know Nico I was getting there I'm asking rhetorical questions on the show now okay I'm learning some Nico Jones tactics but as we know guys as we know guys you know if you can stop words from being said then you can stop thought and if you can stop thought then you can ultimately stop behavior and this is where they're going they want to ensure that you guys sell censors so that you guys don't lose everything and this is where we are guys that they are absolutely afraid of people speaking the truth they're absolutely afraid of the average person waking up and exposing all of their lives because that's all they have they have lies and favors and they have the monopoly on truth as we think now is more important than ever to speak your minds to make sure you're having these conversations to as the saying goes you know speak truth to power and all that good stuff because there's been a constant theme throughout 2023 or actually rather since 2020 basically is that if your voice is too big and you talk against the establishment then the powers that be will do anything they can to put you back in line and whether that means you know breaking your reputation taking all your money dragging you through the court of public opinion we know what their tactics are and if you're following along closely then you know what the playbook is and it's almost like they're doing the same thing over and over and over again but I think the silver lining of this is that it seems like their playbook isn't working as well as it used to which in some sense should be absolutely terrifying because then they're going to go to even more extremes and you know I'm not gonna say what everyone's thinking but it's gonna get crazy guys and so I think it's just becoming very very clear that as an individual just even a normal person that doesn't have a platform like you want to do whatever you can in your power to protect yourself and hence why we always say that it always boils down to the money guys so protect your money protect your livelihood by taking your Bitcoin into self -custody by saving in Bitcoin and because remember guys this is always about theft they want to take your wealth and put you back in your place and then distribute it and make everyone feel good and we're seeing this happen in real time and it isn't lost on me that this is done via a letter you know it's just like hey how nefarious can a letter be but if you're reading in between the lines then you know how nefarious this letter actually is and that this is a coordinated attack on someone that's talking against the establishment and if people like Russell Brand you know say what you want about him but if people like him can't speak about the truth and they also get run through the grinder like imagine what would happen to an average individual like there's no hope for us if people of that stature can't talk about what's actually going on in the world and hence why it's so important to continue to double down on independent content creation spreading the truth talking about all this stuff because this is all we have we have the truth on our side and as the saying goes you know the truth will set us free so just just don't be afraid you know be brave but also be smart out there and the best thing you can do is just protect yourself and protect your money protect your family and I think as more people do this then the world will slowly but surely start to fix itself anyways you know amen we'll see what happens amen preach brother all right everybody let's get to the news we got a lot to talk about today let's check it out no no no no no no before we do that before we do that I have to give a shout out to our awesome sponsor Bitcoin 2024 it's gonna be the largest Bitcoin conference on planet earth it's gonna be in Nashville Tennessee it's not gonna be in Miami this year July 25th through the 27th 2024 you definitely want to get your tickets quickly before the prices go up for a GA it's 349 for an industry pass it's 849 for a whale pass it's four thousand seven hundred forty nine Opti and I are gonna be there it's gonna be awesome check out Bitcoin 2024 in Nashville Tennessee the year of the having Opti and I are gonna be there some other simply Bitcoin members are gonna be there it's gonna be awesome use promo code simply to get a 10 % discount on the already discounted tickets to Bitcoin 2024 all right now let's hit the news the daily news I want to give a shout out to our sponsor foundation devices it's self -custody done right they built a premium grade hardware wallet called passport right here in the u .s.
A highlight from A Primer on Mortgage-Backed Securities
"Welcome to Wealthy Behavior, talking money and wealth with Heritage Financial, the podcast that digs into the topics, strategies and behaviors that help busy and successful people build and protect their personal wealth. I'm your host, Sammy Azuz, the president and CEO of Heritage Financial, a Boston based wealth management firm working with high net worth families across the country for longer than 25 years. Now let's talk about the wealthy behaviors that are key to a rich life. On this episode of the Wealthy Behavior podcast, we have a special guest, Ken Shinoda, portfolio manager at Double Line Capital, where he manages and co -manages several fixed income strategies, as well as overseeing the team investing in non -agency backed mortgage securities. I can think of a few people who would be better to speak with at a moment in time like this for the market, just given the sharp moves we've had in interest rates, which have impacted bonds and stocks and mortgage rates being higher than we've seen in a long time. And be sure to stick to the end as I digest this conversation with our chief investment officer, Bob Weiss, and share his key takeaways as well. I'm excited for this conversation, so welcome to Wealthy Behavior, Ken. Thanks for having me. Appreciate it. Absolutely. Could you provide our listeners maybe with a brief overview of Double Line and your role with the firm? Absolutely. Double Line is a Los Angeles based asset manager. We predominantly manage fixed income, but we also have some passive smart beta equity strategies that have done quite well. We have a commodity strategy, but I would say about 90 % of our assets are fixed income based with a heavy tilt towards securitized products, which are things like mortgage backed securities, asset backed securities, collateralized loan obligations. We have about 95 billion under management. And what is your role specifically with the firm? I know I mentioned the bio, but how would you explain that to listeners? Yeah, I am a portfolio manager across a variety of our products, especially those that are more focused on mortgage backed securities. I also have the structured products committee, which oversees the asset allocation process on our securitized focused strategies. How did you get started on this career path? How did you get to this point? I wanted to get into something real estate related coming out of school. I had a couple of interviews. I actually was interning at Trust Company West TCW, which where many of the Double Line employees came from and just happened to stumble onto this role. I never didn't come out of school thinking, hey, I want to trade mortgage backed securities. It wasn't really something that was pushed on the West Coast. I think East Coast schools are more investment banking trading focused. So, luck happens. Pretty big asset management community out in the West Coast with a pretty big presence, especially in Southern California with PIMCO, WAMCO, Capital Group out here. So there's actually a pretty big fixed income focus, at least in the Southern California area. Great. And we've talked a couple of times already about mortgage backed securities. How would you explain those to listeners or maybe people who've read the big short and have some misconceptions about what they are and how risky they could be? If you go back a long, long, long time ago before we created the government sponsored entities, Fannie, Freddie and Jeannie Mae mortgages, if you went to a bank to get a mortgage, it was always going to be floating rate, a digestible rate mortgage because the banks didn't want to take on such a long duration risk. And what happened was Fannie and Freddie and Jeannie Mae were put into place to try to get the cost of debt down for Americans to buy homes and a goal to increase home ownership or help more people get into homes. And they introduced the 30 year fixed rate mortgage and then they would package up those mortgages eventually and create bonds backed by these mortgages. So you can basically buy a bond that's government guaranteed, that's whose cash flows come from these mortgage backed securities. And so instead of taking on credit risk, what you're really taking on is prepayment risk. If rates go down, borrowers have the ability to refinance without any cost really. And if rates go higher, then the refinancing activity slows down. So you have this kind of like uncertainty of how long your investment is. Is it a one year bond or is it a 10 year bond? It all depends on the prepayments through time. So instead of sitting around and worrying about credit risk and default risk, you're really sitting around and worrying about the direction of rates and what that means for refinancing activity. And so the direction of rates is a great place to go. You've been doing this for a while. How would you characterize the investment environment, the interest rate environment that we're in right now? Well, it's been the worst interest rate environment that I've seen from a sharp movement and rates higher. I mean, we've been in a bond bear market now for three years, the 10 year yield on a closing basis. The low was in August of 2020. Intraday, we were a little bit lower in March during kind of the fiasco when the shutdown started. And we've reached new highs in August across the curve really. So it's been a really tough market. Part of it's been driven by the Fed with their reaction to high inflation. And we've seen a pretty dramatic increase in short term rates and the long end has fallen. And we have a little rally as there was hopes and glimmers of a soft landing and data rolling over. But what we have now is the soft landing narrative is still there, but the data's coming in better than expected. So I think a couple of prints, the GDP print came in strong, you had services coming strong, you had some jobs that are still coming in strong. And so the whole curve has kind of shifted back up with the market now thinking the Fed may still have more to do. And if they don't have more than one hike, they're at least going to keep rates higher for longer. And if the economy is strong, then why should long term rates be so low? Maybe they should normalize up towards, let's say, four and a half, five percent on the 10 year. So that's kind of what's happened, I think over the last 30 days is the narrative has shifted from kind of this expectations of growth rolling over to, you know, perhaps growth is better than expected. And now the market's just waiting and watching for more data to come in to guide them. So you're not to put words in your mouth, but maybe you're more in the camp then that the higher rates that we've been seeing is a good sign for the economy versus a bad sign for the economy? I think in the near term, it's a good sign. It means that the data is coming in positively. The data is backwards looking, though. So I think inevitably the lags will kick in and higher rates will start hurting certain pockets of the market. You know, the what's happened is so many high quality companies locked in such low cost of debt and so many Americans locked in such low cost of mortgage rates. Right. Three, three and a half percent, you know, maybe a year or two years ago that it's just taking long for the transmission mechanism of higher rates to come to the economy. We just have way more fixed debt than than we used to. Europe is a place where the transmission mechanism is perhaps working faster because more of their lending to companies is floating rate at banks. So the places where we're going to see the pain and we're already seeing pain now are pockets that are more floating rate. So commercial real estate is a good example. A lot of floating rate debt there. You're talking about people that borrowed it like, two percent, three years ago, and now they got to roll their debt at like seven percent. Right. It's going to create issues. Bank loans, bank loans float and the cost of debt is effectively double. The average spread on the bank loan index going back 10 years is about 500. And short term rates are now 500 basis points. So these companies went from borrowing at five percent to now having to pay 10 percent. It doesn't happen overnight. It takes time. Those are those lags that everyone talks about. And I think that they'll still come through eventually. And it's probably going to happen sometime in the fourth quarter or first quarter next year. So right now, the move higher in rates, I think it's in reaction to the positive economic data that we're seeing. But I still think it's an attractive entry point. If you haven't owned long treasuries or assets that have interest rate risk, it's been a good thing for you. So congratulations. But now it's probably one of the cheapest parts of the market. I mean, you want to buy assets when people are pricing in all the bad things. There's not much downside left. When I think about treasuries, that's kind of how it feels right now. Like everything bad that could happen is happening or has happened. Right. The Fed is hiking. Inflation was high. Foreign buying is very low. Economic data surprisingly upside. So it's kind of like all the bad news seems to be in. Last week was interesting because you had that services PMI come in stronger than expected. It will jump up. I think it went from like 52 to 54 or something. If it's north of 50, it's expansionary. And the economy in the US is very service oriented. And off that news, the bond market didn't really move much. It's already kind of at these high levels. I think you would have expected another move higher in rates on that news, but it kind of just settled in. So the big headwind right now is the supply. There's just a ton of treasury supply coming. But if you get any data surprise to the downside come kind of Q4 or maybe Q1 of 2024, I think that could ignite a pretty strong rally in rates. So the thing to worry about is really, does growth stay stronger than expected? We grow our way out of this, right? Yeah, absolutely. So would you agree that the Fed is much more influential in determining short term rates and the market is much more influential in determining like 10 year yields? Yeah, I agree with that. I think that's accurate. So maybe back it up and help our listeners understand what makes the 10 year yield move in either direction? What does it mean when it's moving up or when it's moving down? Yeah, I mean, there's different ways to models that have come out from different participants to like estimate what the fair value for the 10 year should be. One of them is what is the neutral rate of interest that's neither accommodative or restrictive? The R star. And that's, I think, the first layer. So let's just throw a number out and say that's like 2%, right? Then sometimes people say, well, then you need to layer in what long run inflation will be over that 10 year horizon. So let's call that, that's another 2 % or so core CPI gets back down to that level. And then some term premium, maybe that's 50 basis points. So that would get you to like a 4 .5 % 10 year treasury yield. You're getting the neutral rate plus some premium for inflation over 10 years plus some term premium. And you could argue over the term premium, maybe it's supposed to be 50, maybe it's supposed to be a hundred. If you think it's going to be a hundred, then you should think 10 years going to 5%. Now on the flip side, there's buying from pensions and there's buying from money managers and other institutions that kind of can drive the fair value below that four and a half number we just came up with, things like QE, right? That's why we got to such low levels is that the buying outside of those that are just looking at that fair value coming in, maybe it's lack of supply, maybe it's foreign buying and so on and so forth. So part of it's driven by kind of expectations of inflation through time. And then part of it's just driven by the supply and demand of bonds that are out there. And that can be, things like QE can affect that, right? So that first 2 % that you called, I was picturing in my head is almost like the neutral rate. What determines that? What would cause that to be higher or lower? Or is that just fairly static across time in that assumption or that model? That's the big debate upon the context right now is, are we in a new world of higher inflation where the neutral rate would need to be higher? Whereas if you go back to like the last 20 years pre -COVID, let's call it when we were in this like world of secular stagnation, where there was arguments that maybe that neutral rates is much lower since we're living in a world of lower growth, lower inflation, so on and so forth. So depending on how things shake out and what the future looks like, maybe that neutral rates higher. What are some things that could make inflation and growth stay higher? There's like the three D's I call it. It's like demographics, right? We've had a smaller workforce every year going back the last 10 years because the baby boomers are retiring. We also stopped immigration pretty aggressively too. So demographics are part of it. You got defense spending, right? Governments are definitely spending more on defense and that could be inflationary, expansionary. We've got spending on decarbonization, right? There's going to be trillions of dollars spent on decarbonization. There's infrastructure spending that needs to happen in the US. There's all these sources of potential growth that are coming that in theory could keep growth higher, inflation higher. And this is not a bad thing for the economy, but it just means that rates will probably have to be higher. And so I guess the real truth will be shown is after we kind of get through the next 12 to 24 months, soft landing, no landing, hard landing, whatever, what comes next? And are these long -term forces that are potentially pushing through into the economy going to keep growth and inflation higher in the future? Got it. So pivoting to mortgage backed securities, what are you seeing in the mortgage backed securities market now? Yeah, mortgages look the most interesting they have in almost 10 years. If you look at the spread on current coupon mortgage backed securities, which are the bonds that are being manufactured today by the loans being made today. So these are like seven and a half coupon loans get packaged into six and a half coupon bonds. The spread on them somewhere call between it like 165 to 175 and relative to corporate spreads, which are almost a hundred or a hundred ish, maybe a little bit wide of that.
A highlight from OUTCAST by Gloria Giorno
"Seek and Destroy that has been the theme of discussions of truth now for well I'm in my seventh season here and we started the show on Wynwood radio in Miami 2016 is when I agreed to do the show with them aired the first episode January of 2017 this is Ian Trottier here and today we are going to start talking if you are not familiar with the name Charlotte Iserbit she passed away about a year and a half ago she's a former advisor to the Department of Education under Ronald Reagan her story is very interesting and captivating because she talks about having received a list of these Skull and Bones members via mail that was sent to her father who was a Skull and Bones member at Yale and Anthony Sutton was hot on that trail so two names that you should familiarize yourself with and that is Charlotte Charlotte's work and that is the deliberate dumbing down of America she talks about the invasion of the American education system and that having been formalized under Jimmy Carter back in 1979 Department of Education so she talks about that through her book and then also what I was talking about was Anthony Sutton calling her being hot basically on the trail of dissecting the corruption that is it's really manipulation because Ella Hugh Yale was a major stockholder a main president of the British East Indies trading company that is a Rothschild controlled trading company and the Rothschild funded the American Revolution so I may be off here ladies and gentlemen but if you look at the flag that was flown above the John Paul Jones excuse me the USS Alfred commandeered by John Paul Jones on the Delaware that basically started the American Revolution that flag is basically identical to the British East Indies company flag and then that you trace that and you go back to Cambridge Massachusetts and something called the flag committee which is Continental Congress approved Washington Franklin adopted what became the first flag of the United what became known as the United States and that was the US Grand Union flag which as being designed by Betsy Ross that is the US Grand Union flag which is identical to the British East Indies company flag because that is where the financing came to fund Washington's army and then you ask well wait a second that's English and well yeah this it is English but it's not English because London the city of London is not technically part of England it is its own banking it's sovereign nation a Roman banking colony still in existence these are all facts and you can cross -check them but anyway so seek and destroy corruption that is how I that is that is how I theme my discussions my conversations my talks it's what I do in Trottier with discussions truth today we're gonna talk about the Department of Education rather the state of the education system in the United States so quickly before we bring the guests on we'll be we'll be talking to Gloria Giorno and her son Stevie and getting their view as conservatives what it's been like for Stevie to go through I think it's Belmont University as a conservative so without further ado thanks for tuning in for the podcast on and we're bringing on Gloria and Stevie right now calling Laurie and Stevie this is Ian Trottier for Discussions of Truth Gloria hi nice to meet meet you and welcome to Discussions of Truth I've looked at some of the work that you're you've excellent hi Stevie so thanks for for joining the the the show and please give listeners an introduction to who you are Gloria you can start tell listeners who you are what you what you do and then and then Stevie you can do the same please I try to destroy a young conservative and I also did a nonprofit the name of it is United Women Foundation what we do is mentor employ aid and young conservative women who are in Stevie's situation and we also give out scholarships to conservatives who are not in need of a scholarship but who are conservatives and who are promoting the conservative agenda in their lives thank you Gloria and that's United Women Foundation calm I'll go ahead and put a link to that in the episode Stevie go ahead and introduce yourself for us please well thank you very much for having us on my name is Stevie Giorno and I serve as the chairman of the Tennessee Young Republicans and I am the former student body president at Belmont University where I was attacked by the radical left for being proud of my country and being proud to be an American on the 4th of July in 2020 during the as a mother for protecting your your family and your country I've looked at the website I've looked a little bit about both of you and what's interesting is you have been you've come my way and your stories come my way through a contact there in Florida and your Stevie your story is daughter went through something very similar and in her university classes but Stevie go ahead and tell us a little bit about about what you experienced you were the student body president at Belmont University yet you were attacked for your political views isn't that right picture of myself in front of the White House and I captioned it that I was proud to be an American and I thanked those who had sacrificed and served so that we may have the freedoms and liberties that our forefathers intended for us and within 24 hours my fraternity was blackmailing me threatening to label me a racist and remove me from the fraternity there were hundreds of comments on my Instagram post and there were hundreds of signatures on a change .org petition that sought to remove me as the duly elected student body president even though I was elected unanimously with almost 99 98 % of the vote and so it was really bad that students friends of mine my fraternity brothers wanted to attack me because I was proud to be from this country you know my grandparents escaped from communism in Yugoslavia and my mother lived there for a year so I've heard the first -hand horrors of what happens in a communist country and I fear that our country is headed that way every single day. Now what's interesting is one of the articles that I that I went through briefly was is written by Campus Reform it's published on an online newsletter called Campus Reform and one of the stories that they have today actually talks about glorifying Che you Guevara know this is a this is a socialist figure that that helped with the with the cubist Cuban communist revolution and Fidel Castro you're you're talking about your family having come from communist Yugoslavia are you seeing are you seeing Stevie in in in in your experience on on campus now I don't know what you're doing now maybe you graduated you can bring us up to date with where you at right now but are you seeing some of these same the same signs that that perhaps your mother or your grandparents were talking about that were that were red flags for for communism growing within the country are you seeing that experiencing that I do and I think unfortunately it is getting worse specifically at Belmont University they refused the school is refusing to allow a turning point USA chapter on campus I think it it's it's it's awful it's an infringement on our First Amendment right to freedom of speech and freedom of belief to protest to assemble and so it's really unfortunate what's going on with with colleges and universities I graduated in the spring of 2021 but I have heard of the horror stories happening at private Christian schools so -called Christian schools happening across the country and until students and parents and grandparents begin to see what is happening you know the first step to solving a problem is acknowledging it exists and it's there and it's not going to get better until enough conservative students and parents realize that they need to stop funding the indoctrination machines of universities and change course well it's very brave of you to say that glory I want want to get your your view and and and I want to first first say this I opened this show up before I brought you on with talking about somebody named Charlotte Iserbyt and I'm happy to send you her link to her book it's called the deliberate dumbing down of America what she did was she started dissecting what was happening under the Reagan administration with the attack on the indoctrination that we're seeing fruits of today a few decades later but Gloria did you did you ever expect or suspect that something like this might happen to your son I I he gets into college were there any anything anything happening up to that time where he's now the student body president of Belmont University anything before that that you were that you questioned well you know hey they he might he might need to defend himself or was this a complete surprise to you it was a complete surprise there was absolutely nothing the handbook the literature the online documentation about Belmont University everything fit a conservative Christian agenda there was nothing I mean personally I think it's a bait and switch but there was absolutely nothing I was friends with some of the professors who are conservatives at Belmont or who were conservatives at Belmont and we had spoken for two years before Stevie made the decision to go there and no there was not any kind of indication that anything like this would happen now we would never allowed our son to want to go to a school where he would have been threatened for his beliefs I mean he had been working for Republican candidates since he was 17 years old so it was out in the open it's on his LinkedIn it's public so no I mean we we were told on every tour we were told at every meeting that this was a fully free campus there would be no harassment it was Christian it was conservative and I read the handbook and Stevie followed all the guidelines when these things did start to occur he did follow all the guidelines he followed all the rules he turned everything into administration and they did nothing absolutely nothing and Stevie yeah go ahead to this day they have not responded in any way shape or form nothing and this has been three years now so you have not gotten a formal response from the school administration Stevie you're simply in DC taking a photograph outside the White House expressing your gratitude for the country and the values that it stands for did you ever suspect this type of backlash coming from the because he knew that if he spoke out against them that they would send him to a camp where he'd never be heard from again and really that whole year of 2020 was either you agree with everything we're saying you endorse the BLM organization but we're gonna do everything we can to destroy you and in fact because Tennessee is a single -party consent state that means you can record conversations with only one person knowing I did record those conversations with my fraternity which my mom put into her book and in those conversations my fellow friends my fraternity brothers say if you do not apologize for your post if you do not endorse this group we're gonna do whatever it takes to destroy you and your career and your reputation so it's a more mild form of what happens in communist countries but because these students were not held accountable it is only going to get worse and worse and it did I mean there was one instance where a female student who worked at a fast -food restaurant I would go to for my breakfast in the mornings she admitted in the official College Democrat group text that she was putting quote gross stuff in my drinks every single day because I was a an awful conservative who loved this country and one endorsed the BLM organization and the school guess what the school did when I turned her in what did they do they accepted her into Belmont law school you gotta be kidding me I'm serious 100 % she was rewarded for attacking a political opponent and I think that's dangerous as we see what's going on with President Trump he is being attacked because he's leading in the polls and it's truly unfortunate that we're becoming a banana republic yeah did the did she make you sick with whatever she put in the drinks and we couldn't even get the Nashville police who are unfortunately very short staff due to the liberal City Council and the liberal mayor at the time unfortunately they were they were unable to investigate it because I was perfectly fine thankfully but they said since there was no lasting issues that they refused to investigate and then the school accepted this girl into law school with full knowledge of everything she had done struck so it it shows the systemic problem we're having and imagine if this is happening in a conservative Christian private university in Nashville Tennessee one of the most conservative states imagine what's going on in all 49 other states we don't have the ability to record conversations and to take screenshots of texts and emails and and have such transparency I mean it's terrifying to think what's happening in these other colleges yeah very well said Stevie tell us about that book and tell us about how tell us about how it's been received my husband and I we want to speak out on this we want people to know I need parents and grandparents to know what their children and yes very teen but there still are children what they face and what they are up against when they go away to school we need for parents to fight back we need for parents to take a stand if 40 % of students stopped attending their respective universities you know that the agenda at universities with administration would change so we as conservatives we have that title of being silent majority because usually we are silent well Stevie and I wanted to change that hence the book I use I feel that the book is an educational tool for parents learn from what happened to my son learn from the experience that we've had we went to this university many times it's not far from our home we investigated it we knew people who worked there who taught there and never once did we feel that it was going to be a threat to our son and look what happened so whatever you're seeing I dread to think what's going on at public schools I just dread but I want parents to learn learn read the book you'll see everything is documented in there as my son said fortunately we're able to record and we're able to use everything for information but we need for parents to be more active in their students and their children's educations even when they are at college because they are all indoctrination facilities I did live in a communist country I went to first grade in Zagreb which was then Yugoslavia in 1972 and I can tell you that on my way to school my walk to school every morning I had 1 ,000 US dollars in my backpack I knew if civil unrest broke out at the age of six I knew how to get out of Yugoslavia get into a cab that was waiting for me at the end of the hill and that cab driver would take me to the border of Yugoslavia in Italy where one of my aunts would meet me and my parents would come when they were able I also knew the police officer on the corner he wasn't there for me he wasn't there to make sure that I'd be safe or anybody else he was definitely there to protect the communist regime and Josip Tito who was the dictator at the time and the parallels that I saw with what I experienced living in a communist country and what my son endured at Belmont University it's there if it's clear as day and I want to enlighten everyone who wants to hear from me I want all parents to know this is happening in our country now too we are being silenced and shut down the title of the book folks is outcast how the radical left tried to destroy a young conservative and that is Stevie so Stevie was this a the attack on you was this coming from the BLM movement at Belmont University or in Nashville have you identified the nucleus of where this attack came from okay so let me ask you a broader question we saw during the Trump Tifa uprisings mainly Seattle Portland but obviously across the country Chicago New York but that coincided with this this COVID -19 virus outbreak as a as a university student you've now graduated but Stevie were you were you drawing any parallels to either of these things happening during the Trump administration that seemingly linked to a communist revolt within the country does that making sense were you able to draw any connect any dots Stevie we know from history that it usually doesn't work that way and the government's gonna keep taking more and more of our rights and when you couple that with what is happening what did happen in 2020 with with the riots and people getting away with committing crimes to where if you and I or anyone else who was a conservative did burn down a courthouse like they did in Nashville or protest and kill innocent people in the streets we would go to jail however because they were advancing a political movement that the liberal district attorneys in big cities supported they were let go and they were not punished like they should have been like we would have been so the hypocrisy is terrible I think it does parallel communism to where you know if you remember the black shirts Mussolini's black shirts taking control of the Italian government because they were the advancing political agenda and movement that the powers that be wanted them to they were able to harass and intimidate people into supporting them and I fear that our country is going that way and we need people to stand up now if we're ever hoping to take back our country and get it back on the right track and under control Gloria the book is recently published it looks like it was just published last month and you've got us forward by Sam Sorbo how's the reception of the book been so far what are people saying who have you spoke to about it how is it being received lot Gloria a of media outlets that are reaching out to us I'm being asked to speak almost on a daily basis different organizations different groups Stevie and I have traveled to a lot of different states throughout the country and we will continue to be touring and we are I have started a conversation and parents are now extending that conversation with their friends and that is the goal we need to start with one person talking to another and now the growth has been exponential it's incredible the book is selling very well it's available on Amazon and wherever books are sold but from what I have witnessed and the calls I am getting yes it is and I mean if we as conservatives don't speak up we're gonna be done this is it and if America Falls there is nowhere else to go and our children are being indoctrinated I don't care what level of schooling it's that they're being indoctrinated on every single level and if parents do not set a strong foundation in the household when the child is born and continue that throughout a child's life when they go to college always we will not be America any longer so the book is being well received I do have parents who have reached out to me and who have asked me questions likewise I do have some haters but that's how I know I'm making a difference because the hate is there as well yeah absolutely well said it's like when you went once you're censored you know that you're putting up the correct information on the online right Stevie are you concentrating on any particular campuses as you tour the country you point of a Christian organization and unfortunately they they canceled the meeting that was going to happen at Belmont and so been trying to help the students out there at Belmont but really I think the key thing is getting in front of as many young people as possible who are conservative and letting them know that they're not alone that the hardships they're going through have happened before and they're gonna happen again and we've got to stand up tall for what we believe in and we can't be scared of people saying mean things about us or what people put on social media or what they may say to us we've got to stand up for what we believe in if there's any chance of saving our country thank you very much let me ask you this question Gloria as we as we wind down and then I want to give each of you an opportunity to leave listeners with some final words and thoughts but Gloria as somebody who's lived in a communist country and it sounded like you did at least one year schooling their first grade what's happening right now to the border of your country what's happening down there they believe they have freedom and to an extent they do and I equate it to when I speak I speak to a lot of young people because young people are what United Women Foundation is mostly about and so when I speak I they look at me very oddly when I tell my story but what I have found that works very well is I bring up a lion at a zoo and he's in a zoo he's caged his needs are met he has food he has shelter he has water he has medical attention and it's all for free but he is still in that cage but he is able to roam in that cage correct and then we have the next picture a lion picture lion in Wyoming in Montana anywhere in this country roaming freely that lion bends for himself he finds his own food he finds his own shelter he finds his own water he takes care of himself that lion is independent to me that is the difference that is the bottom line that is the difference between communism and America that is the difference between our constitution is that lion that is roaming free throughout this country and that's what we are right now so that is something that I think resonates with young people and I I believe that putting it in a perspective of a picture like that they are beginning to understand a little bit I hope at least I mean I don't know right now what I'm seeing is a lot of people have said we cannot have an opinion because we have not experienced it which truly breaks my heart my family in Croatia thinks that they are free in effect my family basically is a caged lion yeah incredible and and let me review what is happening right now at the southern border in in the U .S.
A highlight from S17E4: Following Your Intuition (in Dating) w/ Nikki Novo
"Hi, I'm Yui Xu. And I'm Julie Kraftchick. We're active daters turned dating sociologists. Here to dive into everything modern dating and relationships. Welcome to the dateable podcast. Hi, hi, hi. Welcome back to another brand new episode. This is a repeat guest, but someone who we talk about constantly. She changed my life. Not only does she change your life, but she's been on our mind for three years since the last time we spoke to her. And I couldn't believe it when I was looking at how long I had been since she'd been on the podcast. And I was like, wait, feels like we just spoke to her yesterday because I think about her constantly. That's so weird. I also think about her constantly. She is my secret girl crush as well. Who are we talking about? Nikki Novo. Nikki Novo, we had her on the podcast back in 2020 season 11, episode 14. What's holding you back? So she's an intuitive, she's an author. She wrote a fabulous new book and she did readings for us. So she did readings back in 2020. And for me, I was at a very pivotal point that I had just ended my relationship with my on again, off again boyfriend of five years. We had done that final in COVID. We're either doing this or we're not. All the same issues came back and I realized that I wasn't doing this and actually, okay, so another part of why Nikki Novo is so important in my life that I'm not even sure if I really fully shared is with my ex. One of the things that was really challenging with that relationship is that he was very hot and cold. Like it was like, I'm in love with you. I want to be with you. And then I need my space. I need time alone. And that was really hard for me. Like I did not do well with the inconsistency. And of course he did that again. It was like we had this wonderful time together and then it was, I need that space. And I went to the park and I was so like upset about this cause I'm like, here we go again. It's the same shit happening. And I read Nikki Novo's book, The Final Swipe, her first book, because we were prepping to have her on the podcast. And I remember reading the book and I was just like, I don't want this relationship anymore. And that was such a turning point for me. I think it was like that final turning point for me. Like I had been building that up for a while and then like reading that, like reading whatever she wrote resonated with me so much. And I like came home and I'm like, I don't want to do this anymore. No, no. That was The Final Swipe. It was The Final Swipe. It was done. It was done. Well, she has this way of just putting thoughts in such a clear framework. That it's not like it's new for you. It's not like those the first time you ever thought about this as being this being final. But she just puts it in a way that you're like, yeah, of course. Like, I don't want this. If you put it that way, I don't want this in my life. And this is the final straw or the final swipe. So I appreciate her clarity in the way she expresses herself. And when she did my reading, you know, I was like, just celebrate my two year anniversary. We were kind of fighting that whole weekend on our anniversary trip about what is the future. And she said, listen, no need to be so anxious. You are going to live a non -traditional life. Your path is non -traditional. So stop trying to fit into that traditional future that you see. I was like, done. That's all I need to hear. That's really interesting because like I OK, like in the moment, of course, when you were going through that and you had that reading, you were really trying to make it work with your ex. And I heard that as like maybe you don't get married, but you have like a non -traditional life with him. But now, like looking at where it's going, that could just be a lot broader than with him. Yes. Yes. And I think it was still applied to our relationship. We had a pretty non -traditional trajectory. But, you know, when this relationship ended, I was like, that doesn't need to be the path I go on, you know, and her words came back to me and I was like, yes, I'm meant for a non -traditional life. I know. And, you know, because when I did the reading, I just ended this relationship and then I was really at a crossroads of, OK, what's next? And she really gave me hope that this was my year, that the person was around the corner. You know, I did end up meeting my partner in that year from that reading. It was like my year around my birthday, as she predicted. But more than anything, it was the mindset shift it gave me. It was the fact that I had the confidence that it was going to happen. It was just a matter of when, not if. And I think that was like a big shift for me, because in the past, like I definitely had that thought, like, what if it never happens for me or what if I never meet this person? And just changing that mentality, going into every date and being like, OK, is it this person? And if it's not, then just being like, OK, it's going to be the next person. And she did warn me, too, of, you know, you're going to go through that like rocky time. And I definitely did. I was able to get through it because I didn't get discouraged. And it kind of goes back to that perseverance again. Like, I think that's so important of you just keep going because, OK, I don't think dating is a numbers game in the sense that you need to be dating all these people at once. And, you know, you really have to be like churning through people in the sense of knowing what works for you. I do think getting clear is probably more time effective than going on date after date after date with no clarity and no intention. But I do think you have to be realistic that in today's world, the first person you swipe on is not going to be your partner for life. Like, right. I probably went on like 500 dates before I met my partner. I think that's what we calculated when we did the episode with your friend, you know, rough back of the napkin math. But, you know, like I probably swiped on like 10 ,000 people. What do you think about it? Like this didn't happen overnight. So you have to kind of go through it. But that knowing knowing that it's going to happen, it made me approach dating a lot more positively. Yeah. And it does make you think, too, because I think we should give that advice to you. It's like everybody who does come into your orbit serves a reason. Yeah. So if they're not the right person for you, you can still learn something from them and then move on from it because that's not your person. It's like not time wasted. And we're not just like sitting around waiting for that person to show up at our doorsteps. We still got to be out there learning from people with people before we meet the right person, which is a mindset I'm in now because it was I again foray back into dating. I've been a little gun shy with online dating, but now I'm going on this. I'm taking myself on a romantic trip to Greece. Yes. And I'm going to be taking all the condoms with me because I feel like maybe, you know, dating abroad, strangers, no strings attached. Maybe the best way to get myself back into some sort of like a romantic mindset. You know, I don't need to think about the future. No, I just think about the now and have a great time. That's where you are right now. And like, I think as long as your mindset is open and positive, then you'll attract people into that orbit. Yeah, for sure. Into my web, my sex web. I'm just like picturing you on this cruise, like, you know, like Titanic style, just like in the front of trolling for a day.
A highlight from Mike Signorelli
"Trump calls Florida heartbeat bill a terrible mistake, and Mike Pence talks war with Russia. So I think if you will allow me to speak critically of Donald Trump for five minutes, I will speak critically. No, no, no, no. Look, you know, and I know, everybody listens who to this program knows that I don't think Trump is perfect. I think he ought to be the next president. And I think that, as you know about me and about many people listening to this program, that we are radically pro -life. We think it's a moral issue. And I think that Trump has made, I think he misspoke. I think it was, I don't know. Well, talk about it so people understand what we're talking about. Donald Trump went on face the nation and said that the heartbeat bill Ron DeSantis bravely signed in Florida was a terrible thing, a terrible mistake. And he said that he wouldn't commit to supporting any kind of federal restriction on the taking of unborn life. And he said with characteristic real estate bravado, well, I'm going to have policies that are going to make everybody happy. Everybody's going to walk away happy from the table. That is not how things work. When you're talking about life and death issues, Mr. President, that is how things might work. If you're negotiating over ownership of a golf course. All right. All right. Each of you is going to get nine holes. Okay. You'll each get nine holes. It's wonderful. You got, you've got half a golf course, half a loaf is better than none. But we remember from the story of Solomon, half a baby is not better than none. In this case, we're talking about cutting the baby in half. Literally we're talking about should abortion, should the pro -life position be, we want a bad abortion after maybe 15 weeks, which would only get rid of maybe 8 % of the abortions in America. If that's the pro -life position, it's not worth a damn thing. That's the law in Germany. That's the law in France. That's the law in Belgium. All these countries where euthanasia is now taking over. Having a 10 week, a 15 week abortion ban solves absolutely nothing. It just means the women who are so dopey, they don't even know they're pregnant until like 18 weeks won't be able to get abortions. That's all it means. He's really just punishing the stupid. It's not saving a significant number of babies. I don't know who Trump is getting his advice from on the abortion issue, but they're not on our side. They are like the Jared Kushner. They're not on our side. What Trump is saying is a complete loser position. It's like saying we're going to build the wall. We're going to build the wall with the Mexican border, except every 20 feet there's going to be a gap. We'll get most of the wall built. There'll guess who will come. I think a couple of things need to be said. First of all, I already said it. Trump is not perfect. So he often has done things that I think are harmful to himself. And saying that I think just politically is a mistake. But we also have to say without a doubt he has been the most pro -life president we ever had in this country. Because of him and standing up for Kavanaugh, Roe v. Wade was overturned. I want to remind people of that. I also want to remind people that he spoke at the March for Life. No other president had done that. And so right now, I guess I find everything with him, not everything, but a lot of stuff just funny. It's almost like he'll say anything Ron DeSantis says, he'll say the opposite. I know. You could be triggered and tripped into that. And it's his Achilles heel that whatever Trump, whatever DeSantis says, Trump will somehow try to spin it. Trump even said that Andrew Cuomo did a better job on COVID than Ron DeSantis. That is literally the most insane thing any American politician has said since Jefferson Davis said I want to secede from the union. It's up to that level of crazy. But Trump, I mean Trump does this stuff for effect. In other words, for political effect to drive people crazy. That's why I guess I find it at least partially entertaining that he'll go out on a limb and say something like that just to trigger DeSantis. The problem is this stuff isn't cute. There were thousands of people murdered in those nursing homes in New York. Abortion isn't cute. This is not something funny. This is not like letting Jared and Ivanka turn the White House into their own little party hut. This is really serious. And our only leverage over Trump is right now during the primaries. If he gets the nomination, he can do whatever he wants because he will be elected president unless they assassinate him, which I do not put past that. I do not put that past the deal. Oh, I know that there have been attempts that we haven't heard about, but obviously they would do anything to get rid of him. We have our leverage now, especially before the Iowa caucus. Trump needs to be told if you keep saying this weak, rhino, wimpy garbage about abortion, maybe we'll hold our noses and vote for you against Joe Biden because we don't want to be put in prison camps. But we're not going to go to the mattresses for you. We're not going to go to the wall for you. We're not going to be fanatical, devoted supporters. We will hold our nose and vote for you the way we held our noses and voted for George W. Bush. Do you want to be the next George W. Bush? Well, no, John, I think it's worse than that. I think what will happen, what will happen is many evangelicals, pro -life evangelicals simply won't vote, which I think is an unbelievable mistake because they feel it's principled not to vote for Trump because he said this about what DeSantis's view. On the other hand, let him think that and maybe it's true and let him act accordingly. It's like if we are so on the reservation, Eric, that they know they have our votes no matter what they do, the Republican Party will keep treating evangelicals and pro -lifers the way the Democratic Party treats blacks. That is, you have no choice where you're going to go, take whatever scraps we throw you. So no, I think it's good. Let him be a little afraid that we will go off the reservation. No, that's why I just said that. That's why I just said that. In other words, I actually believe that that's true because when you look at what happened in the last number of elections, there are many evangelicals who are so pious in the negative sense that they would say, I'm just going to sit home and I'm not going to vote because Trump had three wives and I'm going to let Hillary Clinton or Satan or Adolf Hitler take over America because I'm so pious that I won't pull the lever for somebody who doesn't agree with me on everything or who puts out mean tweets or says things I disagree with. That is effectively how we got Biden because we didn't have a serious situation that we're in. On the other hand, Mike Pence is saying that unless we give long range missiles to Ukraine so it can kill lots of Russians, we'll have to go to war with Russia because it will invade Poland. So in order to avoid war, we have to fight a war. It's exactly what George W. Bush said about Iraq, that we have to fight the terrorists over there so we don't have to fight them over here so they won't do 9 -11 again. Now we know now Iraq had nothing to do with 9 -11. It had no weapons of mass destruction. So he lied us into the Iraq war. In Vietnam, they told us we had to fight the Vietnam war so that the communists wouldn't take over Japan and then Hawaii. The whole domino theory is something that warmongers and the military contractors they work for, they whip it out every time they want to get us in a useless war. They say, well, remember Neville Chamberlain? Remember 1938? And I always say, remember August, 1914, when they blundered into World War I and destroyed all three of the main governments involved in it, all based on nothing, based on lies, based on garbage. Sometimes it's November, September, 1938. Sometimes it's August, 1914. And you're the idiot warmonger about to plunge the world into destruction because of your silly fantasies private about being a big man. Mike Pence is one of those warmongers and he's very dangerous right now. There's never enough time to talk to you, my friend. We'll get you back as soon as possible. Thank you, folks. We'll be right back. Thank you. For 10 years, Patriot Mobile has been America's only Christian conservative wireless provider. And when I say only, trust me, they're the only one. Glenn and the team have been great supporters of this show, which is why I'm proud to partner with them. 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Noam Ebner and I Reflect on the Surprising Success of Online Mediator Trainings
"Covered we couldn't train mediators online in the uk we could only do in -person face -to -face training um and then covered came and then i had a course i had to cancel right and i said oh you know what why don't we put it online um and there was a little bit of aggravation within the industry and um the civil mediation council went in favor of doing that at the time but it was all new it was new for everyone and that was challenging in the end we were allowed to to put the course online yeah one of the big things that i was concerned about was this whole humanity side of it how would it how would i as the teacher be able to teach those people skills and those human skills um and get them out of the delegates the candidates in a way that by the by the end of the course they were doing recorded zoom roles for assessments as mediators and still be able to have the same quality as if we were doing it in person and i thought the first few courses i thought well it's not quite the same but it's worked i think we've managed it and then the more i did i didn't see any difference i can honestly say doing it online and doing it in person and i know that everyone will say you can smell the fear in person and you can you know look at people's body language better and you can look around the room and see people better and all the rest of it actually i can genuinely say hand on heart that i now don't really see a lot of difference the only difference i see as a trainer not necessarily as a mediator but as a trainer is it is a bit nicer to meet people in person you know and you know we did did a lovely course in belfast a few months ago and we all went the pub afterwards and had probably too many pints of but actually everything else all the other dynamics once we got over the oh this isn't as good as if it was in right in real life which it still is actually i i've one of the arguments i put forward to people who are skeptical um was when someone does a um a uk civil mediation council mediator accredited training course they're assessed by video and i said i would challenge anyone if i send you two videos you would not be able to tell which person was trained online as opposed to which person was trained in person because when they're performing in their assessment on the day they're exactly the same there is no difference yeah it turned out that a lot of the difference was in our minds or people's minds and and i like that you that you spoke about mediation training as opposed to mediation because so much activity of our field is training yeah time is much more training than actual mediation at different times in different periods in different countries we all we're all familiar with it um but mediation training just like mediation itself is a deeply human experience leaning on deeply human uh elements it's not it's not just another okay everybody you know i'm going to stand up here on a lectern and you know and read my notes to you and you're all going to summarize them that's not how a mediation course works so so uh really in in this you know in some way the medium is actually the message uh and you know a lot of people before covid resisted the notion
A highlight from BE CONFIDENT - Andrew Tate Motivational Speech
"I use this analogy a lot, maybe I overuse it, but you need to find a way, to some degree, to escape the Matrix. And I say the Matrix because the Matrix, the way it is designed... And you're not just talking shit because you've actually done that. I've escaped the Matrix. I've literally escaped the Matrix in nearly every form. So any form of oppression no longer applies to me. I can't be cancelled, I can say what I want, my finances are secure, I've escaped the Matrix. And when I talk about the Matrix, it primarily applies to men because men are the backbone of the slave force. We always have been and always will be. And unfortunately now, if you're a law -abiding man inside the Matrix, your future and the life that is laid out for you is nothing but depressing. You're gonna go to school, you're gonna get in debt, you're gonna get a job, you're gonna get a wife, divorce is coming, you're gonna lose the house eventually, your job's shit, inflation's outpacing your wages, you're gonna work, work, work, no one's gonna appreciate it, now you're old and your life's over. That is the Matrix for 99 % of men. And you need to find a way to escape it. And I guess I was kind of fortunate from a young age that I always knew that the Matrix was coming and that the system is designed to oppress. The people who make the rules do not make the rules for the benefit of us, they make the rules for the benefit of the people who make the rules. And I knew that. And I think every person intrinsically knows that. Like if it's 4 in the morning and you're sitting in a gas station and a Lambo pulls up, you're probably thinking drug dealer or criminal. You're not thinking, oh he definitely went to school. So everyone knows this, right? That's true. So you have to find a way to escape the Matrix to some degree. Wait, let me stop you. When you say you intrinsically knew this, I feel like a lot of people would assume that somebody is giving you some guidance too. Like, did you have somebody that was, you know what I mean, kind of laying some of this out to you like a male figure that was informing you a bit? Yeah, I was lucky enough to have the most fantastic father on the planet. So my dad did make a lot of things very clear to me from a young age. My father was a chess grandmaster and he was a nomadic individual. So he lived in a car or in random hotels and floated around the world playing chess. And these chess grandmasters are all like so smart that that becomes like a common thing. They're so smart that they're socially weird. Yeah. So like my father was socially strange, but he was a genius. And on top of that, he's like a 6 foot 4 black dude. So it's very unusual like a chess grandmaster, but he's also physically intimidating. Yeah. But he's also socially weird. So he's a kind of weird guy to be around. Yeah. But he was nomadic and he was just hustling. Sometimes you have to go down to the local chess park and just hustle for dollars to eat. And other times he's beaten grandmasters for 20, 30 grand paycheck. So it's kind of it was an interesting life. And he taught me a lot about the fact that the system is absolutely broken, is designed to oppress, and that the majority of people who stick to the rules are going to lose. I don't want to sit here on a podcast that goes out to this many people and encourage anyone to break the law in any form. Of course. But the idea of the law abiding citizen has been decimated in real time. In the last two, three years ago, you could stand there and proudly say, I'm a law abiding citizen. The last two years, if they have not taught you that being a law abiding citizen is going to turn you nothing into a fucking experiment for big pharma, then you're an idiot. You can no longer obey the law. And I'm not saying you have to break the law, but you need to find a way to do what the elites do, which is bend the law. You can no longer sit there and go, I'm just going to follow the rules and it's going to be OK. No, it isn't. And if you're a man and if you're a man, it's your job to find a way to not be sticking to those rules enough to escape the matrix and become free. Because what's actually most crazy about this period of history is that it's actually the easiest time in human history to become rich. And the reason for that is because there's so many people inside the matrix being destroyed. Money has to go somewhere. I've made so much money during covid is absolutely incredible. Right. And a whole bunch of people got lucky. You buy a crypto coin and fucking goes off 100 X and this kind of crap. There's money just flowing around the world. May I ask, because the audience, you know, we've been following you and how how do you generate your income? Are you fighting? We know you're a fighter. I was a fighter. So there's there's my two primary source. I have three primary sources. I'm thinking of which ones I'll tell you about. I have four primary sources of income that I'm prepared to disclose to the world. OK, sure. Go ahead. The first thing is I own some casinos in Romania. Fantastic. The story of how I opened them is long, but I'll make it very, very short. There was a guy who owns 400 casinos, three brothers, mafia guys that owned 400 casinos throughout Europe. I came up to him and said, look, I want to do a franchise with you. They said, we're not interested in franchises. We have enough money. We just open them ourselves. We turn over 10 million euros a day. Why do I need your franchise? Eventually, I came up with a plan. I said, look, how about this? I'll open up your locations directly next to your biggest competitor. So I'll go to war for you next to the competitor. Worst case, the location doesn't pay any money, but at least it takes money from your competitor. I'll give you a percentage of turnover. So even if it doesn't make profit, you make money. I'll take all the financial risk. They agreed. I start opening up next to the biggest competitor. I actually did something that's kind of funny. What I tried to do was find ones in between their competitor and a Starbucks. I'd open in the middle and then offer loads and loads of free coffee with a barista and a sexy chick. So instead of going to Starbucks, you could just take your money, go get free coffee and gamble. And I ended up making a bunch of money. I took his competitor down. So I opened them up. That's the first thing. That's the first one. That's good business. Yeah.
A highlight from Anti-CBDC Bills Advance in Congress
"Welcome back to The Breakdown with me, NLW. It's a daily podcast on macro, Bitcoin, and the big picture power shifts remaking our world. What's going on, guys? It is Monday, September 18th, and today we are talking about anti -CBDC legislation being advanced. Before we get into that, however, if you are enjoying The Breakdown, please go subscribe to it, give it a rating, give it a review, or, if you want to dive deeper into the conversation, come join us on the Breakers Discord. You can find a link in the show notes or go to bit .ly slash breakdown pod. Hello, friends. Happy Monday. Welcome to another week, another frankly weirdly quiet week right now. I don't know. There's something out there. There's some bad juju. I guess it could just be another example of this weird period of the cycle that we're in that's sort of past the worst, but definitely before the good stuff starts again, but I'm excited. But we are not going to dwell on that. Instead, we are going to hop, skip, and jump through a number of things that have happened over the last few days, kicking it off with what has become a surprising political issue this election cycle, which is central bank digital currencies. The House Financial Services Committee will hold a markup section on Wednesday, which will include two bills aimed at preventing the issuance of a US CBDC. The first bill is Tom Emmer's CBDC Anti -Surveillance State Act, which would prevent the Federal Reserve from offering any products or services directly to individuals. Fed branches would also be prohibited from keeping accounts for individuals or issuing a CBDC or similar digital assets. Emmer's bill was recently reintroduced during last week's CBDC hearing and now boasts 49 co -sponsors. On September 14th, the House Majority Whip tweeted, A governmental tool for financial surveillance is un -American. We must urgently develop a digital financial system that is 1. Open and freely accessible to all. 2. Without requiring permission from the government or anybody else. 3. Private safeguarding the user's identity. In a separate tweet, he had said, If not open, permissionless, and private, like cash, a CBDC is nothing more than a CCP -style surveillance tool that can be weaponized to oppress the American way of life. The second bill is sponsored by Alex Mooney and is called the Digital Dollar Pilot Prevention Act. That bill is structured as an amendment of the Federal Reserve Act of 1913 that would prevent Federal Reserve branches from even conducting CBDC testing and development. Now, of course, senior Fed officials have gone on the record to say they have no plans to issue a CBDC without the approval of Congress. In May, Minneapolis Fed President Neil Kashkari even questioned the need for a CBDC given the existence of instant payment fintech services. He noted that CBDCs would be a powerful financial surveillance tool and could enforce negative interest rates, but questioned why the U .S. government would have any interest in constructing such a system. Now, all that said, some Fed branches still do seem to be interested in the development of CBDC technology. The San Francisco Fed, for example, recently advertised a position for a crypto -architect for a CBDC project, and Project Hamilton was concluded and wound down in December after two years of collaboration between the Boston Fed and MIT. Now, in terms of where this legislation actually is, the markup process allows committee members to comment on the drafting of bills. A vote is then taken on whether or not to approve legislation for a full House vote. Both bills are only a few paragraphs long, so shouldn't drag out to an all -day, contested affair as we recently saw with the stablecoin bill. Instead, the bills could act as a bellwether for congressional sentiment around CBDCs. Multiple Republican presidential candidates have made opposition to a CBDC a part of their campaign. For example, Florida Governor Ron DeSantis said at a July event, If I am president, on day one we will nix central bank digital currency. Done. Dead. Not happening in this country. Outsider Democrat candidate Robert F. Kennedy has also been outspoken on the need to oppose the issuance of a CBDC. So given all that, if either of these bills progress to a vote in the House, they could be an opportunity to put members of Congress on record about their support for a CBDC coming into election season. Now, we could spend shows and shows and shows talking about why this seemingly small issue, at least to the rest of the world. Obviously, I'm not talking about for our audience and our community. But this issue, which is for all intents and purposes very small to most people, has become such a central piece of the opposition narrative heading into this election cycle. I think there are probably a few different elements of it. One, I think it feels to many like an extension of government power. And as we've seen and discussed, it is quite clear that how much power governments have is going to be a major issue. And of course, while that's coming from the Republican side of the House, it's also coming from Democrats. And this is perhaps not surprising. It's not surprising because we're still coming off the COVID period, which brought up major questions of how much authority the government has to be involved in people's lives. And so in many ways, this is an extension of that conversation. I think there is also a little bit of nervousness around technology in general. This is something that we've seen in crypto. It's certainly something that we see in AI as well. And while this is technology in the hands of the government, not technology in the hands of big tech companies, it still has that feeling of lots of data, lots of power, lots of information, big black holes, and not a clear way for citizens to exert influence when it comes to this important domain of their lives. Anyway, right now, there's no one who's really actively arguing for a CBDC, which could frankly be another reason why it's a nice political issue. It gets to stay a little bit, at least in the realm of metaphor for some of these larger topics, but it's still something that can be legislated upon with lower stakes than going after government power directly. Anyways, it's one we're going to keep an eye on to see just to what extent it continues to be an issue in elections or whether it's just part of this early narrative testing process at this very nascent point in the election cycle. Next up, we go halfway around the world to Hong Kong, where the Hong Kong Monetary Authority has issued a warning to crypto users that unregistered crypto firms could be presenting themselves as banks. The HKMA, which serves as the region's banking regulator, said that firms which use language associated with the banking industry could be in violation of recently implemented Hong Kong crypto regulations. The regulator said it had become aware of firms using terms including crypto bank and offering quote banking services. They even went so far as to call out firms that use the word deposits or promote their quote savings plans as low risk with high return. The HKMA said in a statement that quote, The regulator noted that these firms advertising themselves as crypto banks were not supervised by the HKMA and are not covered by the region's deposit protection scheme. Now, Hong Kong's crypto regulations coming into force in June was one of the big stories of this year. The rules were intended to permit retail crypto trading on regulated exchanges and they're being administered by the local securities agency rather than the banking regulator. Since then, only a small handful of firms have been granted licenses. This includes HashKey and OSL, who were licensed to provide retail trading exchanges, as well as Swiss -based crypto bank Ciba, which has received in principle approval to offer over -the -counter derivatives trading and asset management services. Now, enforcement of Hong Kong's crypto regulations has also begun in earnest. Last Wednesday, the securities regulator issued a warning against Dubai -based crypto exchange J -PEX. They alleged the firm had been promoting its products and services in Hong Kong without applying for a license. A press release from the securities regulator included allegations that J -PEX were advertising their services using the prohibited terms deposits, savings or earnings. They noted that many J -PEX products had quote, The regulator also accused influencers and local OTC desks of making false and misleading statements on social media that J -PEX had applied for licensing. Following the warning, J -PEX employees seemingly disappeared from their booth at the Token 2049 conference in Singapore, where they were a platinum sponsor. And on Sunday, the exchange ramped up withdrawal fees to $999 and also implemented $1 ,000 withdrawal limits, essentially being a withdrawal halt. Now, J -PEX addressed this on Sunday, blaming quote unfair treatment by relevant institutions in Hong Kong towards J -PEX. They said that quote, J -PEX said they were currently negotiating with these market makers to resolve liquidity issues. The exchange promised to quote, They claim that emergency withdrawals are still being dealt with manually and also announced that trading on their earned trading platform would be halted on Monday. Now, adding something to the story, on Monday, the South China Morning Post reported that local police had received at least 83 complaints about J -PEX involving assets worth around $4 .3 million. They say the securities regulator had escalated investigations to the Commercial Crime Bureau on suspicions of fraud. Follow -up reporting said that lawyer turned crypto influencer Joseph Lamb -Chalk had been arrested on Monday in connection to promotion of the exchange. Sources also said an office building had been raided on Monday morning. Now, there's a lot that's actually really worth watching here. Hong Kong creating this licensing regime is not just relevant for citizens of Hong Kong, although it certainly is for them. This has been seen, rightly so, as a marker of slightly shifting Chinese attitudes towards crypto in general. When these rules were first announced as forthcoming at the end of last year, it was widely anticipated that it would include a retail trading ban. Remember, crypto trading has been banned in China for the last few years. However, in the wake of FTX, and in particular the US's aggressive response to it, it appeared that the Chinese authorities might be reconsidering their position and in so doing using Hong Kong as a vehicle for testing the waters on the market without changing any policy in mainland China. In that light, I don't know exactly what this enforcement action around J -PEX actually signals. Arresting an influencer certainly sends a signal, but to what the ends of that signal are, I'm just not sure. I do think, however, it's probably worth weighting this issue as a little bit more significant than just a regional crackdown, as it may have bigger implications given the unique role Hong Kong plays relative to China when it comes to crypto. Next up, we move back to bankruptcy proceedings in the US where Gemini have slammed the proposed settlement between DCG and their subsidiary, Genesis, calling it misleading at best in a court filing on Friday. Now you'll remember that earlier last week, DCG had filed a proposed deal which would settle approximately $630 million in outstanding loan payments to Genesis. DCG said the deal could result in 90 % recoveries for unsecured creditors and recoveries as high as 95 % to 110 % for Gemini Earn customers who form the largest creditor entity in the Genesis bankruptcy. Gemini said in their court filing, however, that, quote, DCG touts proposed recovery rates that are a total mirage, misleading at best and deceptive at worst. Make no mistake, Gemini lenders will not actually receive anything close in real value terms to the proposed recovery rates under the current agreement in principle, end quote. DCG had proposed a repayment schedule for $1 .65 billion in total loans over seven years. Although the agreement had a substantial payment in the first year, criticism of the deal noted that recovery calculations were contingent on crypto -denominated payments becoming more valuable over time. I think the numbers were something like Bitcoin going to $85 ,000 and ETH going to $8 ,500. Gemini customers are owed around $1 .1 billion and it appears that taking on long -term risks associated with crypto prices and the continued solvency of DCG are simply not acceptable to them. Gemini said in their filing, quote, receiving a fractional share of interest in principal payments over seven years from an incredibly risky counterparty is not even remotely equivalent to receiving the actual cash and digital assets owed today by Genesis to the Gemini lenders. They added that, quote, DCG's proposal is markedly parallel to an attempt to satisfy its significant obligations through the issuance of IOUs instead of paying any real cash and digital assets. Gemini lawyers also slammed DCG's negotiation tactics, claiming they had made efforts to suggest that they would become desperate enough to take a significant haircut just to move on. On their creditors update blog, Gemini put it even more pointedly, stating that, quote, DCG is gaslighting creditors and testing earned users' resolve by baiting them with false promises of high recoveries. Now, hanging over the current state of the Genesis bankruptcy is the firm's right to exclusively propose recovery plans. The judge had granted a 30 -day extension to the exclusivity period through to early next month. That order was contested by Gemini and ended up falling short of the 60 -day extension requested by Genesis. After the exclusivity period has elapsed, creditors will be able to organize their own proposed deal to bring the bankruptcy to a close. Finally, separately on Friday, Gemini updated their lawsuit against DCG and CEO Barry Silbert. They now include four direct allegations that intercompany loans between DCG and Genesis were designed to, quote, make the market believe it had actually fixed Genesis's cratering financial condition. So there you have it. There are a number of other things that happened over the weekend or around the end of last week that we may touch on in conversations later. Mark Cuban got fished for almost a million bucks, for example. The New York Times leaked parts of a 15 ,000 -word Sam Bankman -Fried ramble that amounts to a very self -pitying reflection on the state of affairs. And Google's head of Web3 is begging the industry to build something actually useful. For now, though, we are going to wrap it there. We're going to get to the hard work of building back this industry from the ground up. I appreciate you hanging out here with me as we go about that work. So until next time, be safe and take care of each other. Peace.
A highlight from Real Estate Agents: 6 Top Income Destroying, Time Wasting Mistakes
"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. Three, two, one and Julie Harris. We are back. And today we're going to be talking about six of the worst income wrecking mistakes agents are making in today's market. But before we get to the first point, I think you have a really great story from our friend in LA, Federico. Yes. Who is not making the deal wrecking mistakes. In fact, this story, I hope the listeners pay attention because it's going to wind a whole bunch of things together. That's right. So we're starting off by telling you the story of what happens if you don't make six of the income wrecking mistakes with this story. And then we're going to get into the weeds as far as what you need to be avoiding. That's right. Okay. So this is a text from Federico who lives and sells in Los Angeles. He says, hi, Julie. This is hot off the presses right from maybe a couple of days ago. Federico says, I just finished showing clients a new construction community while the build rep was showing us the model, a lady walked in and asked if she could listen in on the build reps presentation. She communicated that she and her husband were looking to downsize and was asking the builder how the financing would work. Okay. So let's stop just for a second. How many of you listening in Los Angeles believe that there's no new construction around? We could just start with that point, but moving forward, uh, during that conversation, I asked her what her situation was and asked if she needed the funds from the sale of her property in order to close on the one she might be looking at. That led to the build rep stating that they would only finance her if her current home was in escrow. So there's a lot to that too. Which by the way, that's probably the build rep not really knowing anything about how to, you know, sell a house using financing because the reality of it is, is the builder wasn't actually using their own money. They were using a mortgage broker and she probably still could have worked that deal, but she was looking for the easier deals of people that had no home sale contingency. That's right. And we're using kind of a lame objection handler. No, you can't do that. Exactly. Which positions our friend Federico listening. That's right. Now, when the build rep exited the room, she thanked me for helping her articulate her points. This is the walk -in potential buyer and asked if I could email her all the information for the new build to which I responded that I was the agent for the other couple in the room, but that I would be happy to help her. That led me to, led me to asking her to, uh, how soon she needed to go on the market. When she responded, uh, we are still decluttering. I don't know where to start or how it all works. I asked her where the home was and what they were asking and asked when I could stop by and see it since I may already have someone. How many of you guys would have gone for the appointment right then and there? Think about that. She answered, that sounds great. We need to declutter first. So I won't, it won't be possible until at least later next month. Let me also work on my husband as far as the new purchase goes and then we can schedule an exact date for you to come by. I got her contact information. Another mistake that agents sometimes fall into. I got her contact information and stopped the conversation since I did not want to be rude in front of my existing clients there. When I left the showing, I called this lady. There's the immediate fallback, uh, follow up. I called this lady back to continue the conversation and to schedule a tentative day and time to go look at the property. She said that she and her husband will be going on a short trip and that we can circle back after my trip. We'll only be gone for a week. During the call, she asked me what commission I would charge. By the way, people don't ask that if they're not serious, do they? Okay. She asked about my commission to which I said, that's a great question. I actually have a flexible fee. What's the best email for you so I can send you a little bit about me and my team and about how we work. That'd be the pre listing package. That way when we meet at the house, we can focus on the items that are most important to you. Also part of the script you learned in premier coaching. It's a textbook. Totally 5 ,000 % textbook. She gave me her email, thanked me for helping her while at the new construction and expressed that she was excited to have me come by their house. There you have it. Now certainly by the way, dad, on what you said with regards to the people asking about commission that quick, 99 % of the time when they ask out of the gates like that, it's because they've got another agent in their back pocket, which it probably isn't a professional agent in the sense that maybe it's somebody they just know as their neighbor or uncle Bob who basically lists the house every thousand years or something like that, who will probably do it for free. That type of question was that the agent, I'm sorry, the seller was looking for a reason to take uncle Bob out of the equation because she really liked Federico and wanted to do business with him. Most importantly though, to your point, he used the scripts that we teach these guys to use in premier coaching and that was one of the obvious scripts that we use that you learn when you're presenting the pre -listening pack and the listening presentation. All this was woven together and what we're trying to express to all of you, so hopefully you're all understanding, is there's opportunity everywhere. You just have to go where the opportunity is and quit waiting for the opportunity to come to you. Which leads us, Julie, perfectly into point number one and remember guys, these are the top six income killing mistakes that agents are making now and frankly in a lot of cases have normalized. That's right. So point number one or mistake number one, and we're also going to have some action steps how to fix these problems ASAP. Mistake number one, playing the waiting game, waiting for the market to crash, waiting for interest rates to come down, waiting for inventory. Waiting doesn't get transactions into your pipeline, nor does it help your clients and prospects to achieve their goals. You must take control of your day, your week, your month, your quarter, and your year in order to defeat the waiting game. Say this at least 10 times, if it's meant to be, it's up to me, and then take control. We're going to give you some action steps here. All right, so first action step on this mistake, accept the fact that there are zero indicators that the market's going to crash. Zero. Remove it from your head. While there are some price ranges in some markets this year where it's set to, I'm sorry, where there are some price reductions is what that should say in some markets, this year is set to close with between five and 9 % increase in home values. I wonder how many people actually know that. I mean, with all these headlines that are supposed to basically make you think there's a housing crash, do you all know that real estate in the mainland United States is increased in value by at least 5%, in some cases around 10 % year over year? So yes, despite the headlines about prices falling, home values have still increased. That's right. Now, low inventory, stable demand, lots of new construction, and rising prices are not indicators of a housing crash. Those things do not exist in a housing crash. Now, if any of that changes, you can hear about it here, we'll let you know. So it's important that we remind them that we are at, what, a 20 or 30 year low for the number of mortgages that are in any sort of distress? Yes. It's like less than 3 %? It's less than 3%, a historic low, and that includes all of the forbearances and things that happened around COVID. That's all baked in at this point. Do you remember all the people that were, you know, of course, these real estate prognosticators were trying to sell you lists on how to get into REOs and all this other stuff? How they were saying, oh, you wait until all those people on mortgage forbearance, all those COVID mortgage forbearances, those houses are all going to default. None of them defaulted, did they? You see how there are some people, guys, who only think that they can make money, only think they can help people when the market's going one particular direction. So what they do is they wait around and hope and pray that the sky falls so that they can be right. And that is, I suppose, a business model. But the reality of it is you can help people make money no matter what direction the market is going. You don't just have to wait for the direction that it's been going. For example, a lot of you, to Julie's point, were waiting around for their interest rates to lower, waiting around for the mortgage stuff to clear, become easier, inventory to increase. Stop waiting around. There's inventory everywhere. It's not just where it's like what Federico discovered. It's hidden, in essence. You have to go to where it's at. You have to go to where the market opportunity is. Stop waiting for the market opportunity to show up on your computer screen. Yes. And when you go to new construction where he went, especially in those price ranges, go where the buyers are looking. You will also find listings. That's right. OK. So again, we're back to the waiting game. So you said that. So we have to drill down. Because I always have to remind myself and you that we have people that are maybe listening to us for the first time ever. And yes, this is the number one Listen To Dilly podcast for real estate professionals in the United States. Tens of thousands of people downloading it. But for the one person that's discovered this for the first time, defining what Julie just said, if you're going to, as Federico did, go look, essentially show buyers or go to a new construction area where the new construction is, say, $800 to, say, on up, chances are the person purchasing one of those new construction homes, they're going to have a house to sell. So that means that probably realistically 90 % of the buyers, air quoting here, that are interested in new construction actually also are sellers. But how many of you think like that? How many of you think buyer or seller? You can't be both. Always assume that your buyer is actually a seller and where you focus your energy is on the listing side of things, because that's what's going to be the juggernaut to them moving forward with any, you know, like they're not going to buy anything but to sell the home most likely. So you can't, if you just focus on the buy side of the conversation, you're never going to get to where the real opportunity is on the list side. Once you have the listing, you will obviously sell that house, well, we've done studies on this, you'll sell an average of six other houses off one listing. With a buyer, you will sell a buyer a house. So open your mind to the opportunities that are all around you. Stop thinking and stop sitting around waiting for, you know, something to change. You're the change that needs to happen if you're not liking your, you know, your project, your your momentum right now into the new market. Yes. And you uncovered another mistake, which is assuming that, you know, it's just it's another buyer. I already am up to my eyeballs and buyers and there's no inventory. So why would I want another buyer? You're missing the point. Buyers bring listings and in those price ranges in the right range, you can get buyers who have a listing that are less expensive than the new construction and more expensive than the new construction downsizing. You can actually work both ends of that. Well, it's a frustrating it's frankly the wrong way to go about it. If you're trying to sell a buyer a house and try to find them the right house, the perfect house, all the rest of it, yet they have a house to sell. I'll give you a little advanced coaching here. None of them are going to emotionally commit to purchasing something unless they happen to have the cash to pay for it, which is unlikely. You know, they're not going to have the cash without the sale of their current home. So they won't emotionally commit to anything until at least their first their existing home is listed for sale, let alone in contract. So this is the type of, you know, thinking you need to adjust towards and realizing that the best opportunity is always going to be on the listing side of the business. That's right. So here's the thing back to a point or mistake. Number one, waiting around. Well, what about interest rates? Interest rates will eventually get lower, but are not likely to go below five and a half to six and a half percent, maybe even for the rest of your career. What we just went through is not the norm. So stop wishing for the old market and embrace the new market. Now, that said, there was an interesting there are some political hubbub that's floating around about the fact that, you know, different politicians are starting to lobby for the idea that there's going to be I told you about this. I heard that crazy permanent 30 year mortgages at three percent, which I mean, it sounds great, right? Even if it were four percent, it would be pretty interesting. Well, yeah, they're going to sell like 100 year bonds and finance it and the whole thing and that could stimulate something. Oh, my gosh. But it's also going to well, so let's think about this. You're going to massively increase demand. And what that's what is that going to do to the cost of real estate as well as inventory available? Right. So you might have a low interest rate, but, you know, the four hundred thousand dollar house you're interested in buying is now worth two million. So anyway, I would circle the wagons back probably to new construction if that happens. We'll see. We'll see. We'll monitor that. OK, so the weighting gain. Learn about several ways to achieve a lower rate and a lower payment. What rates are higher than a lot of people want? Refer to last week's podcast about three ways to achieve lower mortgage interest rates. Learn about what the builders are doing. Many new home loans are closing today in our times where rates are over seven. The new construction loans are closing the mid five, five and a half range right now. So take action to find out where in your market is that actually happening? All right. So mistake number two, there was a lot wrapped up in number one, number two, expecting your buyers to send you what they want to look at versus finding the right homes for them yourself. We've done so many podcasts. I know, but this is such a mistake. You know, yes, we know that buyers can find listings online. There's five million different resources. But what happens when they take them to you? Isn't it already in contract? Aren't there already multiple bids? And then you believe there's nothing and you wait for them to go discover something. It is not their job to find something. And furthermore, well, let me get in my points. I probably talked about this. So get and use the buyer presentation, which drills down on specifically what your buyer clients desire in their next home. That can be a mistake is not knowing the specifics. What is a deal maker and what's a deal killer? Are both people on the same page? If you're working with a couple, can you handle objections like I want to wait for rates to come down or prices to come down or both? We talked about that previously. Now, once you know what they need, that they are motivated and they're qualified, it is your job to find them the right home. Think out of the box. Refer to our podcast series about how to find inventory. So, for example, consider changing the type of property, single family to maybe a town home or a condo or vice versa. And the price range, in fact, sometimes going a little bit down market can actually find good alternatives, expanding the geographic search or looking at new construction. And there's a counterpoint here. I've been working on this with coaching clients, OK, which is when a buyer does send you that magic listing. I got to see that. They're really juiced up about it. And that's the only thing they sent you today. OK, so why that one versus everything else that they saw? Ask them why that one and then have two or three backup houses set up. You can always cancel showing appointments. Right. Because what if they're wrong? What if the MLS pictures didn't have the power tower in the backyard? Have another plan. You have a showing appointment. Go sell something. Does that make sense? It does, of course. But I mean, I just we could talk forever about this point because there are so many different places where they can go and look for homes that are officially for sale. But really, I was thinking if I are coaching somebody right now, this you're gearing a lot of your points towards too many buyers, basically. Yeah. And your last point, I really like because you're in essence saying, well, make make it so that the buyers are working with because there's never a true have to buy buyer. There's always want to buy buyers. In other words, there's never a buyer. There's buyers will always change their mind. That's the problem. They're always going to say, I'll wait till next year to raise the fall, wait for pigs to fly, whatever it's going to be. Whereas if you're focusing on a listing, the sellers actually have to sell usually for financial reasons or, you know, whatever it just overall right now, obviously you're going to make more money and have more leverage and freedom if you're focused on being a listing agent. So what would happen if you decided to actually become a coaching client, actually follow our system, actually build up to your magic number of listings, which for many of you is maybe five or seven listings, sometimes depending on your price point, might only be three. And the only buyers you work with are those are the sellers that want to buy something. In other words, stop working with buyers that don't actually have homes to sell. Start valuing your time more and you'll get far better results. But it's also going to force you to become a far better listing agent, far better, you know, proactively generated for the sake of listings. And you're going to get vastly better at prequalifying because you're going to be, guess what, choosing who you're going to work with. So if you're finding yourself emotionally and financially burning it at both ends, it's probably because you just don't have any standards. It's probably because you're working with just about anybody. You're willing to pay referral fees. You're buying all your buyer leads. You're not really running a business, guys, in the sake that, you know, you're going to have any kind of, frankly, security going forward. So really pivot your thinking and ask yourself, would I rather be a really amazingly strong listing agent or buyer's agent? Every single one of you want to focus on being a listing agent in a lot of ways. You have to kind of choose because the buyers will suck up all your energy and your time. Now, if you want to transition from being one to the other, go back to the fact that, you know, you need to prequalify better. You need to actually ask those buyers if they have homes to sell. Depending on the price point, you're going to discover that most of them do. And then guess what you do? You pivot and focus on the listing side of it because that's when you're going to create the leverage. Joining our premier coaching program is free. The link to join is below, along with all the notes from today's show. So just scroll below and you'll see if it's on YouTube, Spotify, Stitcher, it doesn't matter where. Scroll down their notes for today's show. Yes, Julie and I create outlines for every single podcast we do. For you. We do it so you guys can go back and you can read what we said. That way you can actually implement what we're asking and suggesting that you do. And while you're there, do join premier coaching. It costs you nothing. The link is right there below. Or you can just, frankly, go to premier coaching dot com or text the word premier to 47372. All right, Julie, let's roll up to mistake number three. Mistake number three. Yep. All right. Not having enough leads in the first place. Speaking of lead generation, if you're struggling with lead generation, it's time to get some help before it's too late. Now, more than ever, it's critical that you generate more leads than you think you need in order to do the business you need to do. To your point that no buyer ever actually has to buy. So you have to overdo your lead generation so that you can find those listing leads in particular. Well, if you want to sell, for example, if you want to sell 10 houses in the next six months or maybe it's the next 60 days or next 30 days. And normally, let's say you are you know, let's assume that you're somewhat efficient and you know, you have a ratio. Let's say, for example, if you have 10, well, let's say you have six seller leads, you know that statistically three or four of those are going to list with you in the next 30 to 60 days. You're going to need to double that in a market like this because people are there's going to be a lot of a lot of headwinds that you're not necessarily going to be able to control, mostly with lack of inventory. So you're going to have to pace out your expectations and increase the number of contacts and increase the number of leads you're working with. But it always goes back to really drilling down the leads you are working with. Otherwise, what you're going to quickly discover is that you have hundreds, if not thousands of unqualified, unmotivated, quote unquote, leads, and none of them are doing transactions with you. And why? Because you're not taking the time to go in there and prequalify them. If you're one of these agents who have falsely believed that the way to win this game is by having massive amounts of leads, I challenge you to do this. Go in, grab our seller prequalification script or our buyer prequalification script, which turns into the seller prequalification script, and call every single one of your leads. You'll discover many things. Number one, the ones you've been dripping on for a long period of time. Some of them don't even know why you're messaging them or have never even seen your messages, let alone know who you are. Number two, some of them already transacted months ago, but you didn't call them. So they didn't transact with you. Number three, you're going to find people that are actually motivated and they're waiting for you to call. You've been treating them like a buyer and sending them home buyer tips and all the rest of it through your drip campaigns. But now because you have them on the phone, they'll actually commit to working with you. You've got to stop being passive with your life, but especially with your lead generation. Well put. So that all goes back to not having enough leads in the first place. So sign up for Premier Coaching with our Harris certified coaches because they're going to start by asking some specific questions like, where did your past five transactions come from? Was it luck and hopium or did you connect with those clients through a proven system or strategy? If it was a proven system or strategy, why did you stop doing it? How many leads do you actually have in your pipeline? To your point, what your story, you were just saying, what I was thinking is a lot of agents think that they're leads, but they're just contacts. They're just people in your database. Why are you calling them leads? You don't know if they're a lead or not because you're not talking to them. Now you also might have a lead conversion issue versus a lead generation issue. That's something that the coaches drill down on. Where are you spending money to generate buyer and listing leads and what is that conversion ratio and how many contacts are you actually making daily where you're speaking with a decision -making adult about real estate? That's just the beginning of great coaching questions to drill down on why you might not have enough leads or appointments. Well, where you're spending money to generate buyer and listing leads. I mean, obviously it was assumptive, right? In other words, she's not suggesting you spend money to generate buyer and seller listing leads. Uh, but she's suggesting that you actually go in and question, frankly, uh, whether or not that money that you're spending to generate leads from those sources actually makes any sense because we know you're doing it.
"covid" Discussed on COVID-19: What You Need to Know
"After <Speech_Male> <Advertisement> <Speech_Music_Male> <Speech_Female> <Content> <Speech_Music_Female> <Speech_Music> <Speech_Telephony_Male> <Speech> <Music> <Song> this all unfolded <Speech_Male> and <Speech_Male> <Advertisement> i got to take a breath <Speech_Music_Male> <Advertisement> and kind of i <Speech_Female> <Advertisement> got so many i got <Speech_Male> <Advertisement> i got <Speech_Music_Male> <Advertisement> i got emails <Speech_Male> at my <Speech_Music_Male> <Advertisement> work from cops <Speech_Music_Male> <Advertisement> in australia <Speech_Music_Male> <Advertisement> <Speech_Male> <Advertisement> mounties <Speech_Music_Male> <Advertisement> in canada <Speech_Music_Male> <Advertisement> i mean it was <Speech_Music_Male> <Advertisement> like what <Speech_Music_Male> <Advertisement> is you know what <Speech_Male> i do he did a lot <Speech_Male> <Advertisement> candida still <Speech_Male> drives the car this <Speech_Male> <Content> is the vehicle <Speech_Male> <Content> huh this is <Speech_Male> <Content> it wow inside <Speech_Male> <Content> is that <Speech_Music_Male> <Advertisement> hat that belonged to <Speech_Male> <Content> jose and his <Speech_Music_Male> <Advertisement> pins on the <Speech_Music_Male> back the image of <Speech_Male> <Advertisement> his tattoo that <Speech_Music_Male> <Advertisement> those mechanics put <Speech_Music_Male> on it and a gold <Speech_Music_Male> <Advertisement> star emblem sometimes <Speech_Female> <Advertisement> i go to los angeles <Speech_Music_Male> <Advertisement> to the flower <Speech_Music_Male> mart and <Speech_Female> <Advertisement> i fill the back of <Speech_Music_Male> <Content> it up with flowers <Speech_Music_Female> <Advertisement> and i go <Speech_Female> <Advertisement> to the cemetery <Speech_Male> at <Speech_Male> <Advertisement> riverside national <Speech_Music_Male> <Advertisement> cemetery that's <Speech_Music_Female> <Advertisement> where he's buried and <Speech_Male> i go <Speech_Male> <Content> to just <Speech_Music> <Advertisement> a bunch <Speech_Male> <Advertisement> of graves <Speech_Music_Male> <Advertisement> and i put flowers <Speech_Music_Male> <Advertisement> today sergeant <Speech_Music_Male> <Content> bags is a big <Speech_Telephony_Male> <Content> part of candida's <Speech_Music_Male> <Advertisement> life for giving her <Speech_Male> <Advertisement> back a piece <Speech_Music_Male> <Advertisement> of her son he's <Speech_Male> <Advertisement> my hero when <Speech_Male> <Content> i when <Speech_Music_Female> <Advertisement> i think of <Speech_Music_Male> <Advertisement> john i <Speech> <Advertisement> think of him as a hero <Speech_Music> <Advertisement> he's a <Speech_Music_Male> <Advertisement> hero <Music> <Advertisement> he saves <Speech_Music_Female> <Advertisement> lives he <Speech_Music> <Advertisement> protects people <Speech_Music_Male> <Advertisement> and <Speech_Male> <Content> <Song> he <Speech_Male> does <Speech> the same job my <Speech_Music_Female> <Advertisement> son did it's <Speech_Music_Male> <Advertisement> <Music> <Advertisement> just here <Speech_Music_Male> <Advertisement> <Song> waging <Song> <Song> <Song> <Speech_Male> <Advertisement> war <Speech_Male> <Advertisement> is in large <Speech_Male> part a young person's <Speech_Male> <Advertisement> pursuit the <Speech_Male> americans <Speech_Male> <Content> we remember had <Speech_Male> <Content> a whole ahead of <Speech_Male> them and they gave <Speech_Male> it up for a lofty <Speech_Male> <Advertisement> call to win <Speech_Telephony_Male> <Content> a revolution to <Speech_Male> <Advertisement> preserve the republic <Speech_Male> <Advertisement> to ensure <Speech_Male> a heritage of <Speech_Male> <Advertisement> freedom we <Speech_Male> <Advertisement> conclude this <Speech_Male> <Content> hour with tributes <Speech_Male> <Advertisement> to them paid <Speech_Telephony_Male> <Content> at arlington national <Speech_Male> cemetery by <Speech_Male> <Advertisement> american <Speech_Male> <Advertisement> presidents <Song> we <Song> <Song> <Song> <Song> <Speech_Music_Male> <Advertisement> gather <Speech_Music_Male> today <Song> mark <Speech_Male> <Advertisement> memorial day <Speech_Music_Male> in america <Song> <Song> <Song> <Speech_Male> honor as <Song> today <Speech_Male> <Advertisement> a nation <Speech_Male> we <Speech_Male> <Advertisement> undertake a sacred <Speech_Music_Male> <Advertisement> ritual to <Song> <Speech_Music_Male> <Advertisement> reflect and <Speech_Music_Male> <Advertisement> remember <Song_Male> my fellow <Speech_Male> americans <Song> this <Song> <Speech_Music_Male> <Advertisement> morning we join <Speech_Music_Male> as we always do <Speech_Music_Male> on this day <Song> to <Speech_Male>
"covid" Discussed on COVID-19: What You Need to Know
"Worth sergeant bags went on to other calls but there was something about that accident scene that stuck with them because she was pretty shaken up and i said you know i need to get your license and insurance and all that information for my report i remember going inside her car and seeing all of the medals that her son jose had earned and i thought wow this is really you know it was impactful i was like wow you know it was gut -wrenching doing something not every officer would do behind the scenes sergeant bags got to work i reached out to triple a and my goal was to just tell them the backstory and i thought maybe if they knew that and it was on the border of being repaired or totaled it might push it in the this way of hey let's repair this thing and they told me they had already paid her off and that the settlement was done but once i did explain the whole story the guy was like oh my gosh and i said well i tell you what i'd like to to buy the car if i could and i figure you know if it's a couple grand to buy this car maybe i could do that and then i'll go around to some shops and say hey can you help me put this car together this is where we're at triple a ended up gifting sergeant bags a car he could have it but he still had to figure out how to get it fixed so then i started spending part of my shift don't tell my boss but spending part of my shift driving to some some auto repair shops kind of explaining what i was doing and uh you know a couple surprisingly weren't interested but he found one that was and then i got a call from uh dave goldstein with caliber collision and i call it the golden call caliber collision a well -known company in numerous states said their volunteer their time to fix the cube they would make it like new but before moving forward he tracked down candida's son in arizona to get approval to say hey can can you just would it be okay if i did this because i thought maybe part of it was she's been holding on this and maybe just be a little wouldn't be a reminder for her every day it might be some closure i don't know where she was at in the healing process and and and i didn't you know i didn't want to upset the but her family without candida knowing said yes then the work began my name is juan reyes um i was uh at the point at that time i was a disassembly reassemble team manager reyes and his fellow tacks offered their own time they stayed late they worked on their days off to rebuild the car i mean we actually got that car and and we looked at the vehicle what it was and and and like i'm saying i i told my team exactly what we were what we're gonna do and for who we was doing it for so they were more than happy and willing to do it at no problem it took about a month of grinding pounding and reassembly so when the vehicle came in i mean it was completely destroyed from the front once we did a full estimate of what we needed including tires rims i mean from bumper to fenders to inner structure to seats to carpet to i mean we just went all around the whole car i mean we painted the whole car dents that were around the car we faked we we fixed every single dent on the vehicle many of the parts were donated by dealerships and distributors everybody chipped in to help gaby jimenez in the front office at caliber collision organized the whole thing on their end it was nice to see you know a lot of people coming together for a good cause the car was put back together there was one addition that they added tori's tattoo so the tattoo we got a photo of it i believe he had it on his arm if i'm not mistaken and um we took that to the vendor and got that kind of like a decal sticker and put a couple in between you know the inside of the vehicle the outside just as a reminder to her a piece of her her boy is in there as well then after weeks of working on the car it was time for the big reveal all orchestrated by sergeant bags it was veteran's day candida tori thought she was going to a veteran's day ceremony but she didn't know she was actually about to get back a piece of her son it's with a heavy heart and with great honor you know i was really worried because i'm kind of a a softy when it comes to stuff like this
"covid" Discussed on COVID-19: What You Need to Know
"The street from his home he was sassy went to local elementary junior high school and then pacific high school he just you know he played baseball and he popcorner played popcorn when he got into high school he didn't he didn't want to play baseball he played baseball all his life but he didn't want to play baseball anymore so he wrestled a pretty much expert wrestler in high school the top guy he was a life of the party everywhere he went tory didn't want to be locked down in a job in 2009 when he was 18 tory joined the army he came home and he says mom i joined the army and i said okay candida says she was okay other members of the family not so much in 2009 fighting was underway in iraq and afghanistan the dangers were apparent my husband didn't like it he wouldn't talk to him you know he tells me he says we're in war are you full you know and he said it not like that but you know he says don't you know what can happen to you and he says yeah he goes but i want to make a difference while he was growing up in california tory saw a friend shot prompting him to join the army and he said if people are going to shoot at me i want to shoot back he said i don't want to live i don't want to live like this no more he says i i want to join the army so i asked him why the army and he says because we're army strong and he was army strong tory became a combat engineer his family says when he arrived in the army he was a child and quickly became a man it was january 15th of 2011 on his second deployment when it happened 21 years old assigned to the special troops battalion second heavy brigade combat team first infantry division out of ford riley kansas his unit was in baghdad and it stopped after an ied was detected when he got out of his vehicle he was hit by a rocket -propelled grenade the day that jose was killed i was actually in my living room making a lay for a co -worker from my husband that he worked with that we were going to his services the next and week that two other people that we loved dearly had passed away on monday wednesday i spoke to jose thursday and then saturday jose had passed the tory family was told he was gone we didn't ever think we'd get that knock on the door because he was a tough kid we never thought we would get that knock because he was good at what he did and he was tough man as tory's body arrived back in california from iraq the streets were lined with people saluting some had hands over their hearts a hometown hero was gone i was really really proud of him not just because he was an american soldier and that he was now an american hero but i was really proud of him because of the things that he did out of the kindness of his heart for what he gave not just for who he was after his passing candida held on to what she could of jose's anything with his smell with memory including his car a 2009 nissan cube inside it she kept the extra army hat she found under the front seat so it was a good thing because we never got anymore like the one that he had on when he was killed they they didn't give it to us this is the only one that we had and it's so stinky and smelly but she loves that smell also inside the car his medals pins and patches this was actually from him this is um the combat engineer and this is one of his one of the this would be one of the pins that he would wear on his uniform shirt holding on to what she had left of him candida began driving jose's car because it felt like a piece of him was with her but then in 2015 that connection to her son was pulled away from her as she was driving in nearby huntington beach i thought the light was yellow and because the sun was in my eyes and it was red and i went into a guy the airbags went off luckily nobody was injured but the cube was gone but then her angel appeared john bags and i'm with the huntington beach police department officer bags now sergeant bags candida just calls him john pulled up on scene and noticed something about candida's car at the time i had gold star plates me and john were talking and i says no you don't understand you know this was my son's car and i'm a gold star mom and he goes no i understand i'm a gold star son i said i you know i i totally understand what you're going through i go you know i'm a gold star member myself and i she says i'm so sorry for your loss you know i thought gosh here i am this woman's dealing with a car accident which is emotional enough you know but then the fact that she took the time to sit here and say i'm so sorry for your loss so that house is a special woman she really cares i'm so sorry i says you know when did your dad pass and he says my dad was in vietnam and i says oh my gosh i says i'm so sorry i says welcome home because our vietnam vets were not welcomed home properly and being a gold star mom whenever i meet a vet or a family member that was a vet that has passed i always welcome them home no matter what the two went on their way insurance took over paying out candida the few thousand dollars a cube was
"covid" Discussed on COVID-19: What You Need to Know
"Meeting myself for the first time no matter what mood i'm in too i'm like oh that's how i'm feeling that's what i'm dealing with that's what's underneath all the rage or the sadness or the smile or whatever it is and i can see it and we're holding this space not carrying each other's burdens but we're listening empathetically we're just we're this story here's the key to your son's car this is the moment that took a gold star mother from grief to all -out emotional joy you can have your car back when her world which had been turned upside down seemed for a moment to make more sense it's nice to know that there are people in the world that have good hearts that was the voice of candida tory he was 21 years old and full of life he was candida's son jose jose tory jr was an army specialist stationed in kansas he was very charismatic he loved sports he was known to fellow soldiers as something other than jose maybe he was out in the field and they didn't know you know they there was no tv and he would be like hey tell me what the score is because i got money writing you know my daughter was like i am not at home he's like well look it up google it hurry up hence being how he got the google because if jose did not know it he googled it but before he was known as google growing up his family called him joey his mom looking over old newspaper clippings as we sat together in the booth tory would always choose at a diner down
"covid" Discussed on COVID-19: What You Need to Know
"Next hour we honor those who served memorial day is meant to honor fallen service men and women who made the ultimate sacrifice it can be a tough day for the loved ones left behind especially gold star moms who lost a child to war abc's derrick dennis introduces us to one mom who has turned her pain into a purpose like most airports philadelphia international is busy bustling with travelers flying in and out adults traveling solo families with small children members of the military comes in handy uh yeah all everywhere we go like 28 year old air force sergeant brandon bedard deploying with his wife and two toddlers to spain grateful for designated corner suite in the airport a special place for members only to sit get something free to eat we have breakfast made we make dinners and relax before a long trip overseas you're able to bring the kids in and relax and get some energy out before getting on the next flight and for every departure there are arrivals and sadly some travelers are filled with grief over the loss of a loved one i don't think half the america thinks about the military families for every person that enlists there's usually a significant other there's probably kids 75 year old diane hammond from pitman new jersey is a uso volunteer working inside philly airports united service organization center a private haven tucked away in terminal b catering to military officers their families and their children some who may be just passing through coffee's on 24 seven can't run a uso without coffee thousands of travelers a year flying in specifically because the airport is close to dover air force base about 70 miles away where the military's dignified transfer of remains is handled respectfully honoring fallen service members coming home after dying overseas giving
"covid" Discussed on COVID-19: What You Need to Know
"To those who as lincoln said gave the last full measure to preserve protect and defend the american democracy we honor military personnel who died in service of their country on memorial day we also remember all who served including their families here now is abc's christopher watson with a very personal recollection of when his own father went off to war i don't remember when it was told my dad was going to vietnam it's always seemed odd to me that i have no memory of that moment you think being told that your dad's going off to war would make an indelible impression but i was nine years old and vietnam was just a word really we all knew there was a war there of course you could be a kid living on a military base in the early 70s and not know at least that i do remember when dad left for vietnam april 27th 1971 a tuesday two days after his 37th birthday i remember being sad my two sisters and i complained that we didn't want to go to school that day but mom said we had to only later did i imagine how difficult that had to have been for her consoling her children on the night before her husband went off to war the last night she'd spend with him for a year or maybe forever dad spent the first three months of that year in danang and the remainder at tontanut air base just outside of saigon mom wrote him 25 page letters at the dinette table almost every day the envelopes bulging like pillows she baked him chocolate chip cookies by the pound we kids recorded dad's favorite country albums on an old ge cassette player the size of a shoe box propped against the console stereo speaker careful not to make any noise and spoil the recording a letter from dad was like christmas mom would read them to us there was always an individual message for each of us kids and more than a few pages that mom would set aside without sharing after pausing to scan them silently i remember the day dad came home april 16th 1972 was sunday mom drove the hour to raleigh durham airport in the big 68 Pontiac catalina all of us dressed in our church clothes we watched the stairs roll up to the plane the door opened and then out came dad he spotted us immediately through the terminal glass and waved grinning i remember being surprised by how much thinner he was and how gray his hair was silver on both sides it hadn't been when he left the first thing dad did was crush mom in his arms and kiss her like i'd never seen him do before and young as i was that's the moment i first understood that they had a life together that didn't include us kids dad didn't say a word to me about vietnam until five years later the summer of 77 i was 15 contemplating my future thinking about the military maybe that's why he finally shared stories unprompted every afternoon for a week some were funny or bawdy some cautionary some heartbreaking a few of them frightening like under his bunk the first night there helmet and flak jacket on his shells exploded just yards from his hooch thinking he told me what the hell am i doing here he was serving fulfilling an oath while his wife did the same back home dad retired from the military the next year at the rank of chief master sergeant after two years in the army and 22 in the air force proud to have served he always said though vietnam left him with questions none he shared beyond that single mission to me nor did he talk much about his time there after that i don't think he avoided it he was doing his job and that job was done and i miss him every day grateful for what he taught me proud of who he was and to be his son thankful he got to come home you this is a special presentation from abc news america remembers reporting from the mount soledad national veterans memorial in san diego here is abc's alex stone this is a site of stories stories of sacrifice in the beauty of this memorial the stories of those who lived defending freedom the names and images etched into the granite walls honoring those who served some who died while doing it from the revolutionary war to the war on terror the glistening pacific ocean in front of me wild flowers and birds all around were high above a mountain overlooking san diego this site brought years of controversy over the giant white cross on what was public land it was a fight that was appealed all the way to the u .s supreme court today the white cross remains here on land owned by an association and like so many who come here to do in the
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"It allows me to say i have nightmares it allows me to say i'm gay it allows me to say this happened to me so through art i found other outlets that allow me to calm cope and soothe myself that weren't destructive because i'll tell you i open up my medicine cabinet every day and headaches sweaty palms nightmares all of these things are side effects of medication uh the side effects that come with art zero before we ended our conversation omar wanted to share a poem with me with all of you it's quite long so we can't this is my poem it's entitled camouflage to heart war makes humans human conflict is universal battles rage as mankind ages yet never learns from past mistakes or stories from those who live to tell of what war remains a living hell still dreams of war knock at my door i try not to let them in comrades did not make it back alive uh hyperventilating my nightmares evolve into daymares and yes i'm still in pain you just can't see it only a camouflaged heart remains tell us what you're feeling sharing something so vulnerable so personal honestly it's nervous and nervous about sharing my story but still at the same time confident that it needs to be heard it's worthy of being heard if i can just help one other person one other veteran hold on and be inspired try art uh find ways of expression i win you know that i didn't give up
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"I don't know what stopped me it just was it just i was like do i really like what happens like the question of what happens afterwards he found a therapist who did several types of therapy including recording him telling his story then he would listen to it over and over again to desensitize his emotions i started doing it and i started noticing that i was not as angry short -tempered um i was not being hyper vigilant because you know in california you can't you can't carry weapons i was like had a knife in my backpack had a knife in my car had it you know always looking for the exit you know i had you know first aid like always just trying to figure out what i would have to do if something happened um you know alcohol was still you know very much involved um until then i was like you know then i started slowing down he began joining organizations like the vfw and iraq and afghanistan veterans of america at the time they were pushing for the clay hunt suicide prevention act that hit home for him he joined in the fight clay hunt was a veteran and who served in iraq and took his own life the act named after him set up mental health care and more services at the va for members of the military the the bill was passed and i was invited to go watch president obama saying the law and at that moment i was like this is what i want to do i want to be an advocate i want to i want to you know doing things locally were great but being able to affect millions was just my calling at the time padilla stood right behind president obama as a clay hunt act was signed into law he showed me pictures from that day but that's me that's you in the white house yeah in the that's one of the libraries just before the men's bathroom were you pinching yourself a little bit you were standing in the white house i still can't believe i was there like it's all seems like a dream because it's like you put in this effort in this work about this movement and about this bill that could change lives and it also changed your life but you never think you would get there you were you always feel like you're running on this treadmill like i'm running towards somewhere but i'm never really going to get there and then you get there you're going what the heck am i doing here he was making real change he was at the white house increasing mental health resources at the va but secretly padilla was still suffering his battle was not over but the problem is is where people that do things like that aren't good at taking their own advice so i was still struggling with alcohol he was appearing publicly and taking phone calls from desperate members of the military who were on the verge of suicide talking them into getting help but he was still going through therapy for his ptsd and he was still suffering we are really good at masking that's the one problem veterans have have and we're really good in masking of how we're truly feeling and that's where we need to become vulnerable but we're just it's just beaten into us that everything's okay drink water move on change your socks i could be surrounded by 20 of my family members and feel so alone just disconnected just so it was really weird you know doing all these amazing things and i still didn't really like at one point you didn't feel nothing like all the like oh you're doing great work you're like am i like am i because i'm still a mess myself it's been an internal battle while working for the veterans mental health non -profit headstrong he took advantage of the therapy they offered and veterans who need help it's about the tools that we have in the shed that we can utilize to work on ourselves continuously it's going to be a consistent battle i have to check myself consistently like like hey why are you being snappy like why are you being angry like why are you you know disconnecting why are you you know all these things dehuman dehumanizing yourself to you know what nothing a wallet or what so um while working headstrong i was like you know can i as a consultant utilize the program they're like absolutely it was that therapy he says it changed his life yet again we addressed the root issue the root problem of the traumatic event rather than just making me numb to it we treated it in a fashion where i could cope with what happened and allow me to kind of move on like i will always remember it it'll always be a part of me the but after effects aren't so detrimental to me and my family to where there's no looming question over my head of will i still be a part of this family today padilla and his wife have two beautiful children he's working toward his mba he's a motivational speaker and a recruiter for a large firm after all these things like you're like this is more than a second chance it's like this
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"Focus on now and not focus on what's going on home because there were guys there there were you know their their spouses were cheating on them family members died and if your head's over here while you're looking for roadside bombs you're going to miss the details that show you like oh that was a patch of dead grass or oh that rock wasn't there it was one of those patrols that would change padilla's life forever he had just come back from leave and to reacclimate his assigned him to sit in a vehicle in the rear of the convoy normally he sat in the lead vehicle on this night another soldier last name morgan took his spot in the lead we got a report that there was an ied at a specific grid point cool we're gonna go it's up by like an ip an iraqi police station for quite a while they searched for it he says the iraqi police officers at checkpoints were acting strangely they were getting a weird read off the locals around them they went up and down a road and couldn't find it and then all you hear is over the radio from sergeant bland who was the truck commander go there it is and then just boom just blew up the whole side of the truck comms went down everybody's like we everybody in the trucks they were supposed to do they pulled a cord on you know they made security movements one truck pulled up next to the the non -bomb side to check for secondaries another one pulled up behind and one like kind of in front to provide the security once we did the secondary clearances then you know we kind of it looked like the entire truck had been shot by a shotgun the men inside were badly injured including morgan who was sitting where padilla always sat and so we you know pulled everyone out put them into my truck and then we were we had to pull it and it was a long night they made repeated calls over the radio for help but nobody came they slowly pulled the badly damaged vehicle and carried the badly injured soldiers back to their base morgan lived but was never the same that should have been me that night would start a chain of events that would create a new struggle for padilla to live and it was small things you know first you know i started drinking heavily like and people tend to think alcoholism is an everyday drinker you know getting blacked out no it's been just drinking also so i'm drinking a handle of jack jack annuals like every weekend just polishing off those big bottles and there was there came a point where my buddy's mom found me in my car sleeping like halfway out halfway in he was back from iraq he did his time while he was there he stayed focused but it was a spinal cord injury that needed surgery that sent him home and out of the military it was clear though padilla was not okay he was suffering silently like so many veterans returning from war i was married you know we got married april 2010 and my wife's like you know you're drinking a lot you get angry with me i was never physical with her but it was always verbal arguments i was a mean a -hole and she at one point she's like you know if you don't get help this isn't gonna work and it was you know 2012 i was like okay cool i was like all right like i'll i'll look for something and so at that time i went to the va and they're like well we don't really have anything he was haunted by thoughts about morgan the soldier who took his spot in convoy and was hit by the roadside bomb feeling guilt that morgan was in his spot that night those are all questions that i was thinking about you know he was holding his son and he was having a hard time because like he was hunched over and stuff and just didn't look it would look painful not natural so i'm like dude did i take something away from him and like we we tend to talk about you know uh survivor's guilt you know as someone that's actually lost a living life but at the same time it's survivors get like that should have been me i should have that life that you know morgan had you know rather than me doing you know taking doing better now padilla had ptsd help for veterans suffering in 2012 he says was hard to find i was you know sat there one night just with my gun and thought about eating a bullet um
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"This is a special presentation from ABC News America remembers reporting from the Mount Soledad National Veterans Memorial in San Diego here is ABC's Alex Stone. This site has been called San Diego's national treasure a controversial one many years of fights over the big white cross here on what was public land this site overlooking the beauty of San Diego a city rich in military history on this mountain looking down on the fog coming into San Diego surrounded by bright yellow wildflowers this memorial is different than most because it honors veterans who are living and gone from the Revolutionary War to the war on terror around me here granite plaques are etched with the images and stories of veterans who served in the five branches of the military plus the merchant marines in World War Two flags whipping in the wind and that solid large white cross in the middle this is a solemn site where people come year -round to pay their respects to remember in this hour we're gonna tell the stories of those who served and how their service impacted the country their families and themselves this year marks a date that elicits all kinds of emotions for those who served and those who lost loved ones it was 20 years ago the Iraq War started in 2003 the first airstrikes and troop movement into Iraq began good evening everyone the United States had a busy day today attacking Iraq it was the beginning of an eight -year battle a show of American might moving into the country 4 ,000 US servicemen and women would die over many years many more were left with life -altering injuries on my orders coalition forces have begun striking selected targets of military importance to undermine Saddam Hussein's ability to wage war countless American families have stories of loss and heroism that came from their family members fighting in Iraq but combat did not end on the battlefield and these two decades later some of those who still have the scars both physically and mentally from their time in battle yeah my name is Stephen Padilla I am a San Diego native and I read combat vet I met Stephen Padilla at his home in the San Diego area he's one of the many who returned from Iraq change so this metal my army combination metal is actually the one I got in Iraq just before he left he has spent years dealing with the often hidden scars of war in the form of post -traumatic stress disorder PTSD which has so many veterans he entered the military to save his life and he would come out fighting to save it so my beginning is really rocky I made a bunch of bad choices ended up being homeless for a while living under lifeguard towers couch surfing I mean during that time my brother had already joined the army in 2003 my twin brother and he was in Korea and then in 2006 he came home from Iraq he could see change for the better and his brother he had a sense of duty and drive that led Padilla to decide he too wanted to serve when I tell my story I always preface that life is about choices and second chances and because my brother inspired me to do something I just asked him what is it gonna take went to recruiter told him hey what do I gotta do okay you gotta lose some weight I'm like okay you gotta stop drinking so much all right um do you you know do you have a gd yep do you have any you know did you have a due as I guess I do so we have to get that cleared up entering the military like so many young men and women he thought it would be glamorous and Rambo style cool one of the jobs that they showed me was a combat engineer and during that time my brother was in country he was living in Colorado go hey man I'm gonna join the army he goes well what job are you gonna do I was like well I'm thinking about combat engineering he goes don't do it I was like why why did you have any idea what it was at that point no like they showed us this yeah like well the video is like a bunch of dudes stacking on a door kicking it open and blowing stuff up I'm like yeah that's what I want to do a sapper tab all this remember like that is not gonna happen to you because he was an mp you know he had already been there he knew what was going on at a time of war from training to combat was quick quicker than Padilla could have ever imagined from a young man trying to remake his life to being on patrol looking for ieds in iraq was in the blink of an eye he arrived in the sergeant's office at fort campbell kentucky the thing he tells me he goes are you ready to go to war we are deploying either in december or january and I'm like I just got here like I'm freaking out I'm like we're gonna leave in like three months we're gonna go do the job that we were training for did you feel like you were ready hell no no way no way was there even in that moment you knew I was freaking out I was like what am I doing here like I have no clue what I'm gonna do it wasn't long before Padilla was saddled up in a convoy in full desert camo with his gear on on patrol at all hours of the day night with his fellow soldiers in the heart of the battle our main job was gonna look for roadside bombs had nothing to do nothing to do with being an mp doing hearts and minds and meeting the the people we were clearing roads for other patrols to go through and make it to their their destinations night after night his team was out looking for improvised explosive devices ieds responding when somebody would alert the americans that they saw one hidden on a road his job was to hunt down the
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"Shooting. Detective Sergeant James Mathis was one of the first inside Covenant School. We got to a second floor hallway. Once in that hallway, the smell of gunpowder was in the air. Former acting Undersecretary of Homeland Security John Cohen. They move in a well -organized, tactically proficient way. They operate with a sense of urgency and purpose as they go room to room to room searching for the suspect. When they hear gunshots, they move rapidly, but in a safe manner to where those gunshots are coming from. They engage the suspect, they neutralize the suspect. Two officers, Detective Michael Colosso and Officer Rex Engelbert, fired the fatal shots that ended the shooting spree at the Covenant School. Detective Colosso. It's tough, but our department's done a phenomenal job. Our support doesn't just go towards the officers, it goes to the family. Police -worn body cameras captured a well -rehearsed, efficient and quick response and a command structure that snapped into place. Tennessee State Representative Bo Mitchell. The Metro Police Department, they did a wonderful job. They got to the scene in 13 to 14 minutes and eliminated the threat. But six people still died when they did everything perfect. John Cohen says comparisons between the two incidents are unavoidable. In Nashville, he says, they did it right. They did exactly how they were trained to do it and how we hope they do it once they receive that training. Back in Uvalde, meanwhile, Eva Guzman, who sat on the legislative panel that investigated the police response to Uvalde, found a fatal lack of leadership. We know that if there had not been these systemic failures, that if one person had responded differently at any moment, maybe the outcome could have been different. And Texas Department of Public Safety Director Steve McCross says the failures at Uvalde might be more than just poor training or lack of leadership. My belief is there's possible criminal culpability. There's malfeasance committed that particular day. And from our standpoint, looking at every officer and looking at our own officers is that, you know, what did they know? When did they hear? When did they arrive? What did they do? For families of the victims, the what ifs are agonizing. Gloria Casares, 10 year old daughter Jackie and 10 year old niece Annabel Rodriguez are two of the 19 children killed. If the cops would have gone in, then they should have. Then my daughter would still be here with me today. And remember Chloe Torres, the brave little girl who called 9 -1 -1 from inside the classroom where the gunman had shot so many of her classmates. Her father, Ruben, says his daughter is a different person. She does have survivor's guilt. I hate to say it, but like she really don't care anymore like about doing the little things that she used to do. You know, she just wants to be stuck at home. After losing her daughter Tess in the Robb Elementary School Massacre, Veronica Mata is lobbying the Texas legislature for change. She is a kindergarten teacher at a different school and terrified about the prospect of another attack. It's already hard enough to get up to go to work every single day. And then when you I'm at school and I'm
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"Has no idea how much that helped me. They said because a family member wants to fix it, and you can't fix this, all we need is somebody that understands, that understands exactly what we're going through. And unless you've been through it, you can't understand it. You can't fix this. So I think that is where I reach to y 'all, because I just want to be heard, and I just want someone who understands. Only these women understand. I feel that connection with them because of the girls, and I feel like if I don't talk to them, like I'm missing a part of Tess. It's just like I told them, we always want to say to someone that goes through this, I feel your pain, because we want to make them feel better. But you know, we really cannot feel their pain. I sometimes like to think that it's the relationship our children would have had. When they're together, they actually laugh. They actually enjoy each other's company. They say, you know, our daughters would be very happy if they saw us here, you know, they would be all for this. As we sit here, I think Lexi's there, Jackie's here, Tess and Micah's here, you know. That's just a weird thought. But it's one of those weird thoughts that I hope you guys understand. And because they have forged this very special relationship, because they can take the time and they think it's okay to be able to laugh, to be able to support each other and talk about these things, because it's not all grief. When we're in the outside world, do you feel judged, do you feel guilty? No, we feel guilty already for everything that we do. You said you already feel guilty, why? She's not here, our kids aren't here. They don't get to enjoy what they used to enjoy. So when you say you feel guilty, that's where I feel guilty. How am I laughing so hard at something? Or how am I, why am I, I'm happy and she's not here, but I'm happy in this moment. I'm happy. It's like the new happy. Yeah, so we're never happy again. Yeah, it's like this new kind of happy. This is the new happy. You walked the streets with them looking at these murals of their daughters up on the wall. Describe those murals to us. The murals are something that is so, so special to them and to the community, but especially to them. I love the murals. The murals are my favorite part.
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"Spent time with four mothers who lost their daughters in the shooting. Their individual grief grew into a sisterhood of mothers. I asked Marielena about the women, their daughters, and how they found comfort in one another. We have Gloria Casares, who is the mother of Jackie Casares. We have Veronica Mata, the mother of Tess Mata, who has a sister. She has an older daughter, so you have a sibling there that is also suffering. Kimberly Rubio, the mother of Lexi Rubio, and the other one was Ana Rodriguez, the mother of Maite Rodriguez. Now, Kimberly Rubio has been probably the most vocal. She is one of the first people that I interviewed in Uvalde when I started my coverage right after tragedy. the Told her we loved her, we'll see her, pick her up later. I interviewed her and her husband, they were very much in pain. We keep going over that because we always pick up our kids after the ceremonies, they always want to leave early. And at that moment, she was blaming herself. There was usually a sign -out sheet, and there wasn't a sign -out sheet this time. And I didn't ask, and she didn't mention it. Just walks off, and that was it. And it really struck me because she kept saying, you know, I'm the adult, I'm the one that made the decision to leave her there. That day was the last day of school. After they received their awards, they could either go home or they could stay and watch a movie together. And she wanted to stay and watch a movie with the rest of the kids. And I let her do that. And because of that, she was blaming herself. So that pain of continuing to blame herself is something that's very deep. If I could go back, if I could go back, we'd be telling a different story. We'd be sitting here with you saying, thank God she came home. Tell us a little bit about these mothers and what drew them together in this unique way. Oh, it was very special the day that I had the opportunity to spend an entire day with these four women. Oh, okay. I don't know, maybe it's been like once a week. You know, it's very difficult to sit down and talk to them because they don't really want to talk. However, thanks to the Uvalde 365 team that has sort of forged this relationship with them and treated them with so much respect and so much honor, you know, they accepted to sit down and talk about something that is uniquely special to them. We didn't sit and talk about their daughters. Sometimes we sat and talk about them and how they have forged what we call a sisterhood, but they call it something else. I think it's a club. A club? It's a club. Unfortunately, it's not a club anybody wants to be a part of, but it's our club now and we work with what we have. I think it's a beautiful relationship, of course, and it's bittersweet because I wish we would have had this relationship before May 24th, but I don't know how I would be getting through any of these days without them. When I talked to these women, you know, they were smiling and they were, you know, in a very good mood, which was the first time I actually saw them that way, you know, sharing a meal together, sharing anecdotes together, and I realized just how special they are to each other. I have to say I was really looking forward to this point in the day. How forged they this relationship that was, you know, born from this horrible tragedy, how they found each other. Some of them knew each other, some of them didn't. They knew maybe of each other. Because there's a lot of times that we feel alone. You know, even if there's a hundred people in the room, you still feel alone, but I don't feel that when I'm with them. They support each other in a way that's very special. If there's a bad day, the rest of them are there, either with a text or with a call or in person. They share special family moments. They share secrets. Yeah, it's like an unspoken connection. And when I sat and talked to them, you know, it just seems so natural how they just look at each other and how they feel so much support from each other. And you know, one thing that surprised me is that they said not even a family member can represent what these other women represent to me. Each one of them agreed with that. Oh, definitely. Outside my husband and my children, these are the only people I talk to about this. My family is completely understanding. They've supported me 100 percent, however, they have not lost a child. I know I've had Kim message me out of the blue, thinking of you, I love you, and she
"covid" Discussed on IsraAID
"In terms of in terms of the other sort of seasonal concerns that you brought up, malaria cholera, how do they interact with malnutrition? Okay, so yeah, so basically if you've ever managed malnourished child, basically they have a much lower immune system. Their system is immune is compromised. And so if there is an increase in cholera increase in malaria and they contracted with the malnutrition, they already have an underlying disease. I mean, malnutrition is a disease with plenty of its own side effects, and then you add another another disease process into that. And that can be that can be fatal from our children. Without enough treatment. And the thing is as well that we also which we haven't actually mentioned is the impact of COVID on two health systems. A lot of health systems in countries are struggling, are struggling to maintain what they can with the extra with COVID patients as well. Plus, then you bring in the other diseases, plus you bring in nutrition program. And it gets quite overwhelming. And so that's an important fact to remember as well. Does the health system isn't able to cope with all of these different disease processes? And COVID and a pandemic. Right. Yeah. Not an easy task to tackle. So let's transition in terms of what we can do. What can we do? What are the other preventive or responsive sort of methodologies, definitely preventive and definitely responsive? So I think that there's both. And I think that this year has also the COVID has been a real shock to everybody and we've all had to deal with what that equals. I think a lot of there's been a lot that has come out around the word public health. And I think that this is something that has become quite strong in the humanitarian setting and what public health is basically referring to is a multi sector or a multi disciplinary approach to health to health to looking after people's health. And so what we, as isra 8 are doing in terms of where we're working. I mean, certainly we're looking into our programs coming up for 2021, both in Kenya and in Guatemala. And the impact of nutrition in those countries and how we can respond. And the way that we're responding differs in both countries, but it does come down to education, it comes down to awareness. It comes down to public the public feeling like they have the control that they're empowered to do something before a seasonal epidemic arrives like cholera to educate them about how to protect themselves. And also to reduce the stigma around it. And I think around and around health seeking behavior. There's a lot of stigma around that. They are afraid of COVID..
"covid" Discussed on COVID-19: What You Need to Know
"Rick rubin in a series rula. We realized we were writing songs that were memorable not because we wanted them to be memorable because we remind them also july sixteen lebron james steps into michael jordan shoes with space jam new legacy a sequel to the bizarre nineteen ninety-six animated and live action film. Why did you hear this. One is co written by black panther writer director ryan kugler and it's in theaters and streaming on. Hbo max that same day in theaters. You're probably going to find out about it anyway. So here's a little preemptive tooth telling the anthony bourdain documentary roadrunner premiers. There's no happy ending a week later. Audi i'll everybody's favourite lovable fish out of water soccer coach. Ted lasso returns for season two on apple. Tv plus what did you say to a cow tail coach. Lhasa always saying they say to diane sawyer. Jerry asked me out on a date yes please. And july thirtieth of all the jungle cruise is you can take in the amazon. This one is undoubtedly the cheapest. We'll find out if disney's jungle cruise actually works or not. The latest movie based on one of the theme park amusement rides speeches. Dwayne johnson and emily blunt. That's in theaters and on disney plus. Now we're in august typically a slow time but not this year me on august. Sixth rule going to die warner brothers. Takes another shot at the suicide squad franchise with the suicide squad. A sequel to the two thousand sixteen film in which margot robbie viola davis and joachim in return idris elba and sly. Stallone joined the cast and guardians of the galaxy director. James gunn takes over that's on. Hbo max and in theaters. What's the following week. It's time to pay respect and like you to call me miss. Franklin the long-awaited aretha franklin movie respect starring jennifer hudson premieres august thirteenth only in theaters. Another delayed long-awaited film the horror movie candyman. It's theaters august twenty seventh and that same day. We'll see the chair. It's the first series produced by david. Benny off and devi y since they created a little show. Called game of thrones but don't expect dragons swords from this. Netflix drama would star sandra. Oh is the first female head of a university english department so a lot of options on which depressed play in the coming months whether you do so inside on a screen outside at a concert at a national park or hold up with a cozy video game. Whatever the case. Thanks for pressing play with us. Now i'm off to the park for some pickle ball. Press play was presented by abc..
"covid" Discussed on COVID-19: What You Need to Know
"This is so cool. There was a lot of that kind of reaction on this trip and we weren't the only ones impressed. It's actually a lot bigger than we first thought. There's a lot that we know. We're not going to get to this time. We met jenny amax hikers from the pittsburgh area. It doesn't feel like you're three hours. Outside of pittsburgh they had new river gorge circled on their bucket list but said the national park designation did prompt their visit. I think it put more of an urgency just for like wanting to cross off my list. But it's been on his list for years. Yeah so we were definitely to come here no matter what endless wall inches offer some great views of the river and trees literally diamonds point after our conversation with our new friends from pittsburgh can see the new river gorge bridge. Which is the bridge in west. Virginia which we drove over unexpectedly did not realize who you're doing. He'll three thousand foot. Steel behemoths is one of the largest single span arch bridges in the entire world. It's almost a thousand feet high in a state landmark and it's of everywhere you see it on postcards you can even see depicted on one side of their state quarter and we wanted to go see the bridge up close then we would descend down to the new river but on our way met a couple of first time hikers of the new just like us a couple of chapters as quick which is queer focused climbing group all over the country. And so we're here. The dc chapter brendan halina. Were part of the group. Elena had been to a few national parks ourself into the grand canyon acadia national park in maine gorgeous sanity. According to their leader. Brian though the new river gorge might be getting more attention. Now that it's a national park but for those who live in the surrounding area. The secrets kind of been out. I mean hasn't changed hiking..
"covid" Discussed on Global GoalsCast
"Patterns and block them. I get respect the virus. But never larry brewers on moving. Keep them by. That's gambian singer and his email with his anthem. Covid ready import them. Covid ready and learning to live with covid nineteen is also how learn to be ready for future pathogens which we know indeed that will come in a moment we will hear a global update on the pandemic and what it will take to be covid. Ready spoiler alert. It will take a new kind of leadership both leadership from rich countries on behalf of the entire world and grassroots leadership everywhere to curb the virus and keep people safe or right all that right after this message. This episode of global goals cast is brought to you by our listeners. That's right listeners. Like you who care about the future please spread the word tell your friends about global goals cast hit the like and subscribe and give us five stars. Thanks also to cbs news digital and universal production. Music welcome back. I'm cloudy romo. Adamant and eighty lush. The pandemic is not over. We've said that before but we repeating it today so we can focus on what truly needs to be done. That's right the in fact we are going from a pandemic disease to an endemic one virus. That will always be there as a threat. Vaccines are great. But there is not enough vaccine and isn't spread equitably so covert is continuing to spread particularly in poor communities and he will continue to spread unless we adapt the both globally. No kelly but we can do this. Because after sixteen months we know a lot about the patterns that the virus follows if we focus on those patterns. We can curb the virus even without enough vaccine and to understand these more deeply. We joined the regular briefing by. Dr david nabarro their special envoy of the world health organization my former boss and a very dear friend of logos gust could are. These briefings are so powerful in this session. He offered some blunt advice on what the rich world must do to protect everyone and he introduced us to three women who've been working hard to support their communities through the pandemic. Dr navarro began with a summary of how much we know now about how the virus spreads simic. The virus is almost entirely transmitted through droplets. That means that you could get a virus if you're within two meters of an infected person and you are not in any way protected from inhaling the virus they have either down or splattered out breathed out in that respect secretions but that to maters is quite important. Although there are occasional account so the virus bank abil which means it can be transported quite long distances. Several meters by gusts van the majority of transmission these these droplets which quite heavy which sink to the ground within about a meter of people's mouths so that means that when the disease spreads it sprayed in a very localized way usually what happens. Is you get clusters of transmission that appear and they then turned into spikes of cases and perhaps in the diameter of about one kilometer or more you might end up with lots of people with the disease perhaps one hundred or so but then outside that one kilometer diameter a numbers a much much lower said this explains why quite often when people are describing koby feels like in.