Inside Hawaii Real Estate, I show dedicated to providing up-to-date information, news, Hawaii home buyers, sellers, and investors. I'm Wotanaka with my co-host, business partner, and wife, Leonie Lam, a realtor with over 20 years experience and various leadership roles in the Hawaii real estate industry. Thanks, well, my co-host, Wotanaka is a lawyer, and he also is the head of a Hawaii title and escrow company, and he and I work as a team to bring you the latest in Hawaii real estate. And our topic is very timely. We're wondering why is insurance a part of our lives? We've been hearing a lot about insurance lately, especially in Hawaii real estate. So we have an insurance veteran with us, with over 21 years in Hawaii insurance, an expert. We have with us Todd Tamori. He's our very special guest today, and we're going to find out what the latest is in insurance. So Todd's the assistant vice president over at Atlas Insurance. He oversees the personal lines, business, and he also oversees the private client group that create tailored insurance programs for our plans for high net worth individuals. He lives in Aina Haina with his beautiful wife and amazing family, and he's a true local boy. Welcome, Todd. Hi, thanks for having me. Thanks for being with us. So basically, insurance is there to protect me financially in case something unforeseen happens. So you're an insurance veteran and expert, and so I'm just wondering, when you are traveling and you rent a car, do you take the insurance that they offer at the counter? I'm always wondering what insurance professionals do with that situation. Great question. And actually, yes, I do take the insurance from the company, even though there is coverage extending from your personal auto insurance. But yeah, as an insurance person, always better safe than sorry. Better safe than sorry. Good to know, well, we always have to get the insurance policy at the counter. Definitely, definitely. Okay. I'm 50-50. Depends on my mood. But anyways, insurance is something that we all know about, we need to pay for, and we hear about it everywhere. But at the same time, insurance is something we might not truly really know about. And Todd, that's why you're here to educate us. And so Todd, what is homeowners insurance and why do we need it? Good question. So home insurance, it's really the protection for your biggest asset or most people's biggest asset, which is your home. It's to protect against the unforeseen, but it's an intangible product. So it's always a little difficult to convey that to people, but it's basically there to protect your home, which is a part of your lifestyle and your family, as far as the structure, as far as your personal belongings, and also living expenses for you in the event the unfortunate happens and you need to utilize the policy. Okay. So you mentioned living expenses. So let's say something happens, something of unforeseen, like you mentioned, and a house needs to be rebuilt. At the same time, I need to go rent a house or stay in a hotel. So you're saying the food, maybe grocery, eating out, those are covered? Correct. The living expenses from a home insurance can apply to just more than just the costs to stay in alternate accommodations like a hotel. So definitely if you are displaced, the cost for that accommodation can be factored in. But to what you mentioned earlier exactly, the changes to your lifestyle, including dietary habits, is a good one.  That difference in cost to your lifestyle can also be covered under the living expenses from a home insurance policy. So that means that, and I don't want to make too light of a situation, but if I wanted to stay in a nicer hotel or shop at Whole Foods all the time instead of, you know, Safeway for example. I mean, is that, so you're saying that could be covered or is there certain thresholds? Excellent. Thank you for catching that, Will. So there are thresholds and it's meant to closely mirror your living situation prior within the limit of coverage that you have on the policy. So if my home is damaged and I need to stay in a hotel, I can't request to stay at the four seasons. It would be the hotel that would be most comparable in terms of location and in terms of cost because I have to, in a way, budget the limit of coverage to the duration of the repairs. So I can't burn through that in the first month if I'm going to be displaced for 12 months. Right, right. Okay. That's good to know. Well, there are limits. Yeah. So if you shop at the sale items at Foodland normally, yeah, you can't be eating out at Ruth's Tris while your home's being fixed. Good question, Will. So, you know, kind of sequeling over to condominiums, right. So 90% of Oahu condos, I just learned this last week, were built before 1990. So they need all kinds of major maintenance and we sell condos, help people sell and help people buy them all the time. So we know there's plumbing issues, sprinklers, spalling issues, elevator repairs, all kinds of stuff. But is it true that insurance premiums are also a major factor when it comes to the overall costs or maintenance fees? Yeah, so the maintenance fees from an association when it comes to condos factors in the master policy for the overall building. So condo insurance is a very timely topic, because in the recent years, the costs have been rising for the policies themselves. The requirement of coverage has been rising for each unit owner. And it's developing to the point now where it's beyond, what am I going to pay for condo insurance? Can I be sure that I can find coverage in the first place when it comes to condo because it's become a very hard market. Okay, okay. So you mentioned a master policy. So that's where the entire condo and then there's two types of policies. Can you kind of get into that? Sure. So every condo owner is a part of the association and the association provides, again, it's called a master policy covering basically the overall building and the common areas of the association. So the way that the building and each unit inside of it was originally built is covered by the master policy. The personal belongings that belong to the association also a part of the master policy. And that overall costs of the master insurance from the association is split up to each unit owner in their association dues. So that's the master policy from the association. And then you have the individual condo policy for the respective home owners units. Okay. And then so we're hearing in our industry anyway that there's some changes that have happened with regards to carriers or obtaining the insurance, which you alluded to earlier. Can you talk a little bit more about that? Sure. So what's been happening in the last, I'd say three to five years is the deductible for the master policy from the association. That deductible for their insurance has been rising. And that deductible can be assessed to an individual condo owner in a claim that they're responsible for or even just a part of. So each condo owner now has to be able to cover that deductible from the association insurance. When I first started, most of the condo insurance deductibles range from 10 to 15,000. That's quickly escalated to from 15 to 25,000. 25,000 to 50, even up to now, we're seeing deductibles in six figures, 100,000 and over. So that would mean every owner in that condo building needs to be prepared to pay that deductible in order to utilize the master policy from the association in a covered claim. That's kind of hard in the market pretty quickly where the burden of coverage has shifted from the building insurance provided by the association to now more responsibility being put on the individual condo policy for each homeowner. So you're saying, and I just want to get this right. So as a condo owner, and you know, I used to live in a condo. So I have to pay for the association or contribute to the master policy and also my policy for my own unit. I think it's referred to as HO6 policy. So is that right? So I'm paying annual premiums for my own unit and then usually for the association master policy, would that be part of the maintenance fees? Yes. The maintenance fees, association dues, that can be a number of different things. The cost of the master policy is one of them. I mean, it could be like remediation updates to the overall building, common areas, but within the association dues and the maintenance fees is built in the cost of the master policy for each unit owner. So it splits that cost up. So even as the cost of the master insurance policy itself goes up, that increases the cost that gets passed on to each individual condo owner on top of what you referenced, the HO6 policy for your own individual unit. That one's not going to be the same for every owner in the building, depending upon their situation and their home. But each owner has to pay for the association insurance as well as their own individual insurance. Okay. And then, you know, I do have a question because Leone mentioned earlier that, you know, these are aging condos built in the 60s, 70s, in the 80s. And, you know, there's like spalling issues or re-piping. How come, you know, I often hear that there's a special assessment?  So those issues and similar to an individual HO6 policy as well, wear and tear over time is not an insurable event. So there are certain things as a home owner and as a member of the overall association that the building, the structure needs to be updated as the building gets older, just like if I own a home, I have to re-roof at some point. Roofing is not necessarily going to be covered by home insurance unless it's part of a covered event, like a fire, like wind damage. If it's just upkeep, that's the responsibility of the home owner. And in the situation of a condo, you're part of a bigger association. So you play a small share, you have a small share in that. Ah, okay. That makes sense. I mean, just like humans, right? As we age, our life insurance goes up. That's a good one. Yeah. Yeah, the upkeep gets a little more as I get older. So yeah, same thing with the building and the structure. There are certain things that need to be done over time. And when that time comes, that assessment gets passed on to the unit owners to share collectively. And would you mind getting into maybe like a real life example where both an association master policy and also an individual 806 policy might kick in at the same time? Sure. So for this example, let's assume I live in condo unit 201 and you both live in condo 101 underneath me. If there's a plumbing leak or burst in my home that damages my unit, but also trickles down to damage your unit below me, the total damages is going to be calculated, factored in to the claim. And so once it hits a certain amount and the building insurance can be utilized, we're each going to use the building insurance to repair the original construction of our homes. That would be the drywall. And if my flooring is original carpeting, I'm going to use the building insurance for that. But if your unit has upgraded flooring, then that's something different. But that's where we would utilize the building insurance to repair the damaged portions that are original. And then our own 806 policy potentially for upgrades to the unit or damage to my personal belongings, my furniture that was damaged in the event, because that's not going to be covered by the master policy from the building. Yeah. Yeah. So in that example, so let's say, I mean, there's like a leak coming from your unit to our unit downstairs. Will we still have to somehow pay for ours or would your insurance cover or an association cover everything? Or with the unit below who's affected, would we have to pay a deductible to pay for any part of our unit? That is an excellent question that doesn't have a simple answer. And the complexity is because not every association has the same bylaws. There are associations that are going to say, hey, Todd, you're responsible for everything. Therefore, everything should go through your insurance. But there are other associations that say, hey, Todd, you're responsible, but you need to take care of your unit, as well as possibly the building deductible, since you caused the damage. And Will and Leone, even though it wasn't your fault, you guys need to file through your own insurance and then have your insurance company collect from Todd's insurance on the back end, rather than including your damages in the payout from the master policy. So you would still utilize your policy. Your insurance company would try to collect from mines on the back end, including your deductible. That takes time. And then it's a recorded loss on your insurance policy as well. This is like a really good reminder that it totally varies from condo to condo, that you need to be really attuned to whatever the bylaws for that condo says or what the association is putting out so that you understand where your liabilities are, because it could totally vary, right? I mean, if you don't know. Correct. Yeah, that's a big recommendation that we have for all clients now in condos is to have a good understanding and be involved to know what's being provided from your association to know what you need to have on your own individual condo policy, because excuse me, the building deductibles itself are so high now that in the past, you could have covered those deductibles by accident when they were 10,000, 15,000. But if you're in a building that has a hundred thousand dollar deductible, you need to have a specific conversation with your insurance agent. Make sure that you're properly covered. Super good tip. Super good tip. So what we're hearing in the real estate industry, generally speaking, when it comes to condo insurance is that there are less carriers that are providing insurance. Is that accurate? That's accurate, because again, as a part of the hardening market, some carriers that traditionally offered condo insurance, they've stopped writing coverage at the moment. It's not clear if it's a long-term decision or short-term. Other carriers are now weighing in other factors that weren't necessarily heavily addressed in the past. So if you have a client purchasing a condo, there are carriers that will look at the loss history for the client in terms of if they filed property insurance claims at a prior location and that'll be weighted. They may look at the loss history for the unit itself. So your client purchasing a condo that had a loss last year might have their options reduce significantly in terms of the companies that they can get insurance from. It's just a matter of we don't expect clients to know, okay, this insurance company is accepting coverage in my building and this one isn't. We just recommend people shop around multiple options or that's the strength of the ease of working with an agency. We write through eight different carriers. So it's like shopping eight different options at once and it's my job to filter it to the specific needs of that client and that location. I am learning so much already about insurance and this is actually getting exciting for me, because now I'm coming up with all these questions. So we have a lot of investor clients and let's say they have tenants. They have renters in condos. So in that situation, of course, there's a master policy for the association and what type of policy would the investor get? And then is there a separate type of insurance for the tenants? Yes. So the investor who owns the condo can get an HL6 policy themselves. They need to make sure that the carrier accepts rental exposures. So there's a difference for insurance long-term rentals, which is a rental agreement of six months or longer. Certain carriers are good with that. A lot of carriers are not okay with vacation rentals, which would be six months or less or what we're seeing for the Airbnb's daily or weekly rental agreements. So that also plays a factor in how many options you would have for condo insurance to begin with. But the landlord would get a condo policy to cover their unit that works in conjunction with what's provided from the association master policy. And if it's going to be a long-term tenant, I would highly recommend the landlord either strongly recommend or sometimes require the tenant to have renters insurance because the renters insurance, it does protect the tenant's personal belongings, but it also provides liability coverage for the tenant. So if your tenant is the one that causes a situation that damages the home, damages other units, the landlord necessarily may not get involved. If it's deemed that the tenant is fully liable, the liability would come from the tenant's insurance rather than the landlord's insurance. But if it's going to be a vacation rental, obviously they wouldn't need like a renters policy for that. The home insurance for where they're coming from, vacationing here, their home insurance should cover them while they're renting it short-term. I was going to kind of ask a question like, you know, since we're in Hawaii and then hurricane coverage is also a big thing, right? So we're talking about homeowners, but like for condos, hurricane policy, is that something that's part of the master condo policy too? Or is that something that the individual condo owner needs to get on their own? So there is coverage, there should be coverage provided by the association for hurricane damage for the same thing. The original construction of the entire building and the common areas. People can consider getting hurricane insurance for their individual condo, especially if they've done a lot of renovations or the condo itself has a lot of renovations. That's value of the home that you want to protect in the event of a hurricane. Because if a hurricane hits damages a renovated interior, the master policy again is only responsible for the original construction. And are there challenges right now with hurricane policies for our aging condos that you're seeing? No, hurricane is a lot more open. So it's not as restrictive. What about this? What about that? If people want to get hurricane coverage, that individual hurricane coverage is readily available. I was always curious. So in terms of there's a lot of condos in Waikiki and many of them are in a flood zone because they're close to either the ocean or alaba canal. So if you're on the 20th floor, of course the unit itself, you don't have to worry about flood, but the building itself, you may have to. So if the building is in a flood zone, what happens with your 806? Do you need a separate so-called flood insurance individually for that specific unit? Or is everything covered under the master's policy? So if you're on the 20th floor, I mean, I always have that conversation straightforward with the clients because flood to your point, it's external water damage coming from the ground up. So the only event that would affect the person on the 20th floor that they would utilize an individual flood insurance is if water got up to the 20th floor of that building. The people on the first floor, lower floors, maybe something to consider, but for the building itself, there should be a master flood policy. Okay, got it, got it. And then I was always curious in terms of this is like a general homeowners policy question, but let's say that there's like theft involved of your personal belongings and you file a claim with a homeowner's insurance, like my kind of got broken into. So how would you prove that you actually owned it and how this from an insurance standpoint, how did they deal with it? The more information you can give, the better, it just facilitates the claim. So what I recommend to people, especially in a condo or even single family homes, take a picture of each room, save it to a cloud in your computer. It's a good reference point of inventory in case it's hard for you to remember everything that you had as well. If there's a substantial loss, like a fire, for example, knock on wood. In the case of theft, receipts are helpful. They may ask for photos of items, if you have any. But like I warned you guys, don't let me get into the nitty-gritty of the policy, but theft on every home insurance has a specific limitation for theft of jewelry and watches. So everyone just assumes that high-value jewelry is my personal property, but it requires specific coverage. So most jewelry is limited to either $1,000 to $2,500 per occurrence for theft. So if you have a $5,000 or $10,000 engagement ring, that's not going to be covered by the home insurance unless you, so these are all conversations. Don't be afraid. People shouldn't be afraid to have these conversations with their agents, but that requires a specific coverage on its own that'll protect the jewelry here in your home, whether you travel worldwide to Japan, you're swimming in the ocean and it falls off your finger. That requires a specific type of coverage. Good to know. So kind of like I have a last question for you. So when considering insurance options for homeowners or condos, is it always better to go with the cheapest option or what would your guidance be for determining the best policy? So my own personal philosophy and the way that I've always done things is to look at the protection over cost.  So you could have a policy that's lower in cost, but it's not going to help you the way that you need it to when it matters most in a significant claim. So it's a balancing act and it's one that people should not be afraid to ask the insurance agent. How did you come up with this coverage? What other options are there? So due diligence on behalf of the homeowner, looking at multiple options, that's what I would recommend. That's how you're going to get a sense of A versus B rather than just taking the cheapest option right off the bat. Well, thanks for such amazing advice. Thanks for being our guest today and thanks for just all the tips and we've learned so much. Right, well. Yeah. And Todd, how do we reach you? Let's put up the last slide because you're so informative, lots of valuable information. So thank you so much for being our special guest on our show, Todd. We really appreciate you. Oh, thanks so much and thanks for having me. I appreciate it. Aloha. Thank you. Aloha.


When I started Skeptical Science in 2007, my approach was simple, debunk climate myths with research from scientific journals. I'd been doing that for several years when I got an email from a psychology professor, Stefan Lewandowski. He said, I might be interested in some research by Norbert Schwartz on the psychology of debunking. I have vivid memories of reading that study with a growing feeling of horror. That research found if you debunk myths in the wrong way, you risk reinforcing the misconception rather than removing it. I compared this incorrect method to what I was doing at Skeptical Science. They were the same. That email turned out to be a life-changing moment. I resolved to read every piece of research that focused on the psychology of debunking. What I learnt was that debunking myths is not as simple as you might think. To understand what happens when you correct the misconception, you need to understand how people think. As we learn new information, we build mental models of how the world works. That's because we think inside our heads, and the world is mostly outside of our heads. Having a complete working mental model means we understand something. In such a model, all the different parts of the model fit together like cogs. However, you can think you understand something, but your understanding is actually wrong. In that case, a misconception that a person believes to be true gets integrated into their mental model. When you debunk a myth, it's like reaching into someone's mind and plucking out that dodgy part of their mental model. You create a gap in their model. However, people feel uncomfortable when their mental models are incomplete. They want to feel as if they know what's going on. They'll even prefer a complete but false model to an incomplete but more accurate model. For that reason, after you tell someone that a myth is wrong, the myth can come back to fill the gap again. People continue to be influenced by the myth because they want to avoid gaps in their mental models. This is known as a continued influence effect of misinformation. So when you debunk a myth, you also need to fill the gap you just created. You need to replace the myth with a fact to complete the model again. For example, if there's a suspect in a murder trial, it's not enough to provide evidence that the suspect is innocent. To prove the suspect innocent, at least in people's minds, you need to provide an alternative suspect. How does this translate to practical action? Well, your alternative fact needs to be plausible. It needs to fit into the person's mental model as well or better than the myth did. What do I mean by that?  Your alternative fact needs to fit in with all the other cogs. In fact, it should fit even better than the myth. The person should feel as if they understand the world better after the debunking. Also, to help people let go of the myth, it's generally a good idea to put the emphasis on the facts, not the myth. You don't want to make your debunking all about the myth, which helps keep it alive. Using the myth as a headline makes people more familiar with the myth. When people read one of these myths versus facts flyers that state something like, the side effects of the flu vaccine are worse than the flu, that's a myth. As time passes, the details fade, and all they remember is the myth, yeah, something about the side effects of the flu vaccine. That's because the intended correction repeated and emphasized the myth, making it more familiar. And the more familiar people are with a piece of information, the more likely they will believe it's true. So really, you want people to become more familiar with the facts rather than the myth. Use the facts as your headline. Start by talking about the facts. There's a wonderfully concise summary of all this research in a book called Made to Stick by Chip and Dan Heade. The book explores what makes a message sticky and memorable. Finally, they address the question, how do you unstick an idea? How do you debunk a sticky myth? Their answer is a sticky piece of advice that can be summarized like this. Fight sticky myths with stickier facts. I call this the golden rule of debunking. It's a challenging idea. This means that it's not enough to communicate the science. We need to communicate the science in a compelling, sticky manner. How do we do that? The Heath brothers have advice on that front as well. They even have a sticky acronym for it, success. They find that sticky ideas share some of the following six characteristics. Sticky science needs to be simple. This can be difficult when the science is complex. But to paraphrase a quote from Nobel Prize winner Ernest Rutherford, if you can't explain your physics simply, it's probably not very good physics. Science is stickier when it's unexpected. If your science is counter-intuitive, embrace it. Use the unexpectedness of the science to take people by surprise. Science needs to be credible. That's why it's a good idea to source your information from the most credible source of information available, peer-reviewed scientific journals. To be sticky, your science needs to be concrete. How do you do this when science is often abstract or statistical by nature? Simple clear visuals are one way to make scientific data more concrete. But one of the most powerful tools for communicators to make your science concrete is to use analogies or metaphors. For example, a common way to explain how carbon moves through the climate system is to use the metaphor of water flowing into a bath with the plug pulled out. Rather than build a new concept from scratch, work with concepts already existing in people's minds. Emotional messages are sticky and more persuasive. They're easier to remember and more likely to be shared. But how do you do that when scientists are trained to remove the motion from their science? Well, even scientists are still human. It can be quite powerful expressing our passion for science or communicating how our results affect us personally. Lastly, stories are much stickier in memory than numbers and abstract concepts. Try to shape your science into a compelling narrative. So after I read the psychological research into debugging, I changed how myths were debunked on the Skeptical Science website. With our headlines that repeated the myth, we replaced the myth with a sticky fact. In the text, we made the facts more prominent than the myths. The way we do this at Skeptical Science is to start each debugging with a green box containing the key fact. And in that box, we express the fact in a single sticky sentence. Making your science sticky is a crucial part of debunking a myth, but your job isn't done yet. Half of the debunking is explaining why the science is right. The other half is explaining why the myth is wrong.


Daniel Kutsar is a hate preacher at Shore Foundation Baptist Church and he went viral last year for saying some very very vile things about LGBTQ plus people.  I mean he is saying the quiet part loud and what he's saying is indistinguishable from Nazi rhetoric, but nonetheless, he said it with his full chest. Let's listen. And, you know, that's why a lot of homosexuals, you know, the reprobates, they hang themselves.  Why? Because they hate their life because they rejected God. They know that God rejected them. They know there's no hope and that's why they commit suicide, which is great. I hope every single homosexuals dies. Yeah, so he sounds like a very nice guy. Now after he made those comments, journalist Hamant Mehta posted a video of him saying those terrible things. He subsequently went viral and he responded to the virality of that video by essentially doubling down and then playing the victim. Because I guess it's bad when you say something confidently and then somebody says that you said the thing. But either way, here's what he said in response. They hate themselves.  I said that's great. Praise God. I'm happy that, you know, I'm happy that they do that. But, you know, this guy, he posted this 20 second clip of me preaching that and that video got like 127 falls in views.  And it's like, why is he picking on me? It's like, okay, whatever. But, you know, I take back nothing. You know, I agree.   I hope every f***ing dies. The thing about on that video, you know, it has 127 falls in views. That's a lot of views. But it has a lot of comments, but it's not like, you know, like less than 1% of people commented on that video. Which shows that it's very likely that out of those 127 falls in views, you know, majority of them agree with me. Because if the majority of the people disagreed with me, there would have been like, you know, 10 falls in comments, 20 falls in comments.     And regardless of why you're saying it, it's not my problem.  So if people want to react to that by sharing your own words, then I mean, if that makes you feel uncomfortable, you could just not say terrible things, but he doubled down and tripled down and he hasn't stopped saying weird and terrible and hateful things about queer people. So this year, just a couple of weeks ago, Meta posted another video of him this time talking about the app Duolingo and how it's been infiltrated by the homosexuals.  It's called Duolingo. But even Duolingo, you know, Duolingo has been infiltrated by homosexuals.  And it's like, the good thing is that whenever I see something that's factory, you know, I kind of report it like this is wrong. This is incorrect. You know, I tell them this is not right. And every language is different that you learn, but, you know, Duolingo has been infiltrated by facts, so you got to be careful. So I'm sure every game out there has been f***ed right, you know, some new words. I'm sure every game out there, they put f***s in there, they put whores in there, they put drugs, murder. So, you know, that stuff is not going to help you. It's so hateful.  It's hard to take what he's saying seriously, even though we should take it seriously because it's deeply, deeply vile.  But after Metta shared that video of him, he responded to Metta and actually accused Metta of inciting violence against him. He said, oh, I was wondering why I was getting death threats again this morning out of the blue. I thought, I bet Mahare Betta is behind this, so he completely butchered his name. Sure enough, after sifting through your sea of Christian hate posts, there it was, your dog whistle of death, who is really inciting violence. Now Metta responded saying, all I did was quote you, which is absolutely true.  Wow. The irony just went right over his head there.  I'm not a terrible person. But having said that though, you expect him, Metta in this instance, to see how him just posting your own words is tantamount to him inciting violence against you.    So why is it that we have to see your humanity but you refuse to see the humanity of LGBTQ plus people?  But when they respond in a proportional way and incite violence against you, well, all of a sudden, are you violent? Are you inciting violence against me? I can't believe this. I'm clutching my pearls. I mean, I just, I feel like this is one of those instances where you very clearly don't like getting a taste of your own medicine. And if you condition it, you better be able to take it. But very clearly, he's against this. Now, somebody had asked him on Twitter to follow up with evidence that he has in fact received death threats. And he did. He shared messages making direct threats of violence against him and his church. So, I mean, this is him learning the hard way that spewing vile hate and calling for the deaths of an entire group of people elicits a similar response towards him.  I mean, that is a human response, right? So, I don't, I don't know what he was expecting. Honestly, again, that doesn't mean that I condone the death threats against him. But if you don't want death threats yourself, then why would you condone death threats or incitement of violence against other people knowing how badly that feels?  He doesn't get it. He doesn't see the irony here. And none of the preachers in this movement do. So for those of you unaware, this individual is part of a brand of fundamentalism known as the New IFB, the New Independent Fundamentalist Baptist Movement. And they're known for saying horrific things about gay people. For example, as Alex Bollinger of LGBTQ Nation explains, the New IFB movement first got international attention when pastor Stephen Anderson of the New IFB Faithful Word Baptist Church in Tempe, Arizona, praised the poll shooter for killing 49 people in an LGBTQ plus nightclub, saying that the shooter killed a bunch of disgusting perverts and pedophiles. Quote, the good news is that there's 50 less pedophiles in this world, Anderson said in a sermon about the 2016 shooting.  Anderson has been banned from dozens of countries for his extreme anti LGBTQ plus and anti-Semitic statements, but he's not the only New IFB pastor who regularly calls for violence against LGBTQ plus people. Jonathan Shelley of the New IFB Steadfast Baptist Church in Texas celebrated the death of a gay man at the 2021 Wilton Manners Florida Pride celebration in a car accident. Here in the year, Shelley said that he would feel lucky if the Holocaust killed 6 million Jewish people and if mass shooters killed gay people.  Zero, Shelley said, saying that he doesn't care how many of them die because they worship the devil. Pastor Dylan Oz of the same church said last year that the solution for the homosexual is murder.  Here in the New Testament, here in the book of Romans, Oz asked that they are worthy of death. These people should be put to death.  He continued, they should be convicted in a lawful trial. They should be sentenced with death. So this is the movement that Daniel Kutsar, this hate preacher, associates with.  Don't expect sympathy from other people if you're calling for the murder of an entire group of people, if you're celebrating their suicides. So I mean, if you're going to put that out into the universe, don't be surprised when it comes back right around to you. So if you don't like the violence being spewed towards yourself, maybe stop saying violent things towards LGBTQ plus people and people won't react in that way.


We're gonna improve some speed, some movement, but also dribbling with pace and intensity and purpose and confidence. So I've got two girls here. We're gonna work a bit on just movement without a ball. And when I feel that they're comfortable, they're pushing themselves, they're getting faster, I'm gonna add a ball and challenge them to do what they did without the ball when the ball is at their feet. A lot of players, they run a certain way. As soon as the ball is at their feet, they run completely. It's pretty windy. We're having a little technical issues with the mics, but hopefully this one works for you. Spiro's gonna make it happen regardless. I just want no ball, stand on this line. All I want you to do, both on the line, you're just gonna sprint to that line there. Show me that good technique. Once you get through, just rest, walk back, come again. Let's just do about four of them. Ready? Go, come on, push. Yes. Good, walk back slow. Okay, so you're racing against yourself, your own technique, be better every time, but use each other as competition, yeah?  She doesn't beat you every time. You need to beat her this time. I think she beat you, yes? Think about that, ready? Go, push. Yes, good girls. And walk. Okay, so as I said in another video, sprint technique. You can talk about technique of shooting a ball one time.  Technique of running, you're not gonna master it overnight. It's every time you're out there, you're actually thinking about what you're doing with your body, your arms, girls, again, lean forward even more. Push that ground behind you. I want you to reach a little further with, so this is called knee drive. Instead of just putting my foot here, I'm actually driving my knee forward, grabbing more ground, grabbing more distance, yes? And pump the arms hard like you always do. Ready? Go, come on. Pump, pump, pump. Yeah. Last one, last one, ready? Ready? Ready? Go. Yes, both of you looks better. I'm just gonna do that turn over there, okay? So sprinting here, jump, sprinting back, okay? Remember the jump turn, when I come out of that turn, I'm not here, I'm here, and I'm doing exactly what I did on the other side to start my sprint. Do one, we'll give you advice. It's a race to this line. Ready? Go, come on. Yes, low, good, good. When you turn, try to turn. Cause both of you probably came back here, yes? Pass the line, try to turn right on that line. Ready, one more. Get super low, pump the arms harder, work harder. Go, come on, quick. Low? Yes, go, yes. Okay, it's good, it's good. Come one more. So just like I said before with that knee drive, yeah? Instead of pushing here, I'm actually, reaching out there. When you come out of here, don't put this foot here. Put this foot here. Ready, go one more, last one. Ready, go, come on, push. Yeah, yeah, good girls, looks good. Just gonna come to this pole here. I'm gonna do a figure eight. Okay, so I'm gonna go there, there, there, there. Every time I get around a corner, I'm focusing on that turn. What am I doing on my turns? Getting low, okay? If you forget everything else, just get way lower, push off with power, okay? But I'm gonna go like this, low here, done. Ready, tightly go, let her go, let her go. Low, push off, pump, pump, pump, pump, pump. Low, push off, good, ready? Go, yeah, yeah, good, good, recover. That's okay, and go, okay. One more time, both of you, when you're coming out on these turns, I want you to think about being way tighter to that pole, okay, like here to here, like my quad is coming around that, yes? When you're turning, you're like here, see that? Okay, so your turn's gonna be faster, it's gonna be sharper. If you come here, here. Last one, one more time, just do it better.  That first step after the turn is the most important. Come on, ready, let's go. Yes, yes, that looks way better. Yes, again, all the way, all the way, all the way. And focus on that first step after the turn. Toes towards your target, ready? Go, come on, last one, yes. Low, low, low, push, push, tighter turn, tighter turn. Yes, good, both of you good. Breathe, come back, get a ball. First one, all you're gonna do, sprint there. Yes, tightly go here, tore go here. All I want you to do, sprint there, jog back, okay? But when you sprint with a soccer ball, it should be the same as what you did, yeah?  But we don't run like this, do we? Okay, same, and when I'm running, I'm trying to get away from someone. If I'm jogging with the ball, I'm gonna get caught. When you have open space in the field, do the sprint technique with the ball, okay? It's here. Even if you wanna take one touch, but it's in your control, do it, so just sprint and then come slow back. I just want you to do three, ready, go. Yes, and recover, come back, come back slow. Breathe, set, show me low, pump your arms ready, go, push. Yes, good, and go, one more, just set it on the line. If I'm dribbling in these areas, it's fine for these touches, but as soon as I get past someone, I wanna be quick, okay? So here you practice that, the turn, okay? So nice and low, pump the arms, and back, quick as you can. Go for speed, ready, go. Turn, yes, yes, yes, yes. Good girl, that's good. Okay, just try to go faster each time. If you lose it, that's totally fine. I wanna see you lose it every once in a while, all right, so you're not fast enough. Go, recover, recover, good. And can you control it on the way back? Breathe, just one more, just one more. Make it your best one, stay low, and girls, low here is one thing, but here don't come up here, yes? After that turn, again, stay low. Pump your arms, drive your knees, ready? Ooh, she's ready, go, come on. Yeah, yeah, good and stuff. Okay, breathe, come here one time. I'll do one, hopefully fast, ready? On these long ones, push that ball around with it, yeah? If you get there in one touch, but it's in your control the whole time, that's probably perfect. If you need to take multiple, that's fine. When it's time to turn, that's when you do these quick little ones, get your hips around it. Let me try, go, as fast as you can. Low, touch, touch, explode. Touch, touch, explode out, boom, yes, that's the touch. Low, explode, good, tight. Ready, come on, last one, go. Yeah, yeah, really low, bend your knees, now push. Good, good, recover, and good.  So I started with the speed stuff, just wanted that good sprinting technique, something that I'm always practicing with the players. But as I said in the intro to this video, for some reason, as soon as we get the ball at the feet, we forget everything we learned about the running mechanics. So I like to start with the speed stuff, then I'm adding the ball work, encouraging them to go faster and faster. I want them to lose the ball every once in a while.   So many times you see players doing dribbling drills and it's just, it's not match realistic. Challenge the pace, your skills will improve. If you screw up, don't stop the drill, adapt as quickly as possible, recover that ball and finish the exercise. Thank you so much for watching this video. Please give it a thumbs up, a like, comment, subscribe, and we'll see you real soon.


Ukrainian security service has revealed that three former regional officials, Oleg Zarev, Dmitry Swatash and Igor Markov, are suspected of treason. The service said that Zarev leaked information about the results of air attacks on Ukraine to the Russian Defense Ministry's leadership. He was the one who gave Russia detailed information obtained from Dmitry Swatash about the results of the shelling of the Kramenchuk oil refinery last April. In addition, Swatash also provided Russians with information about weapons, the timing and coordinates of the movement of Defense Forces units in Kharkiv region. Another suspect, Igor Markov, regularly defends Russia's war against Ukraine in major Russian television channels. All three suspects are currently hiding in the Russian territory.


Y'all doing good right now Took me some time, but I'm here now. Yeah, my dog great. He finally made it over here too, man. Okay Listen, I told I pulled up to the road address early. I was like y'all hit it was like I was like that address it was like that ain't it right now Man Bro, I got all my look all my DJ waffles.  This is what you've been up to man You know We're waiting on the waffles me wait on the waffles. We start y'all want y'all want the waffles y'all want the waffles now before we even start I'm just saying it's however y'all wouldn't do it. It's waffles and chicken though I ain't gonna play with y'all like I knew where I was coming. So I think we need about two more minutes Go ahead, you know Have a back and forth. Come on man. Yeah, we have a court, right? Are we recording?  None other than DJ waffles Make it make sense man. All right, so This is how I started, you know, I was a DJ be 100 radio with Debra and you know Walker's mom I was over there with her Engineering on the radio station became a DJ first gig that I had I was cash dolls roll DJ Yeah, I was cash dolls roll DJ put her mixtape together. We went viral After that started DJing for like the land of dream then after that it just started going crazy but I didn't get into the waffle thing until it was like Four months ago, and this is you know, this is years down This is years down a lot because I didn't did podcast my own magazine working for like a lot of media platforms and DJing a lot of events But everybody kept on saying like your name is DJ waffles. Why won't you do waffles? And I was like it only makes sense, right? so Why how did you get the name DJ waffles? I was on the morning show at the radio station, and I needed a name and I like waffles So I just was like it's gonna be DJ waffles.  You could have called yourself let go my ego. And then did you ever be able to use it? Yeah Yeah, that's what I said like Waffles was long-lasting like they weren't going nowhere. You you you did something without even knowing it Yeah, it is it is crazy. So I started getting tattooed on me because I started to believe in it You get I'm saying you know we're building your market and your branding and stuff like that it started to grow So I do this thing called waffles weekend every year in the city This was but this was gonna be my second year that I did it and I do like six events in four days And so this year me and my partner we was talking about coming out with the waffles. So Research and doing my homework. I did it. We did it at six bar on lounge. I sold out So I was like they liked the food. It makes sense then after that we started doing Macy's we just did K camps Halloween party. So like everywhere we go. We sell out I'm in Macy's right now doing pop-ups everywhere. We go people buy it Nick Love. I was just at his house today He did it was like 15 of his family members.  I'm gonna get I'm gonna get you I'm gonna get you right first Okay, you got to put the powder on it. Come on man. Just don't sleep. Yeah This is only for food Don't make it sure it's pure. You don't want sniff this.  Yeah, well the last time you say in a DJ Hand out chicken and waffles All right, so listen we got strawberries we got pecans we got peaches we got he's been peeking away from me Okay, we don't want to break out of house nothing like that. So we got peaches Peaches and we got pecans what you want? I Want some strawberries? Okay. I got you Let's get you let's get you strawberry goddamn Consolidation when it comes to the waffle game.   Okay. Yeah, that's your heart All right, so we got the peaches, right? So you want caramel or you want syrup? Give me the syrup. Okay, so let's get right into the action. Yeah Hey, yeah, triple drop a little bit on my chicken. I'm I guess down like that. Okay. Yeah Don't put it intentionally on my chicken.  No, it tastes it tastes really good. You just try that.  What you think about it? Mm-hmm. Okay, let's try the waffles and see what y'all Y'all tell me be like waffles this ain't it I'll go back to the drawing board, but I highly doubt it The right amount of chewy they got the little crisp, but yeah, it tastes like both parents in the house Oh So I tell you I literally like take them Everywhere like we're doing pop-ups Castleberry Hill Farmers market we doing the black street black wall street pop-ups there and we just moving it around independently right now So, you know Whatever they need to know What they can go to my website www.djwafflemix.com or they could follow me on Instagram at your own waffle mix, too Yeah, that's what y'all the package is right. Let me see So when you get the when you get the mix you can actually go on there And you can scan the code and when you scan the code you actually get to a playlist So that's why we keep the element of the waffle mix and the music because I'm a DJ and I switched to what I switched The playlists is out every time like maybe like once a month and there was some more sugar on the waffles So When you order the box you get this season and so you actually put this seasoning on top of it And it makes it taste like chicken and waffles without having chicken and waffles So this my special seasoning as well What got powdered chicken it might look like something that y'all are supposed to have but you know Not I just make the waffles I don't serve Money So in there you get the mix you get the playlist was on a bit on the back you can I'm scan that it'll take you to the website I get you in the mix Put me in the mix You don't want to be in the Yeah, so the playlist change once a month is three different on playlist on there So it's one for older folks is one for you know mid-age and then you got the kids too So three playlists then when you actually go to like pop-ups. I also come with a menu So my menu is music based all my music all my waffles are based on music So I got the 2000s R&B. I got the freak Nick and I got the slow jam And then it actually builds as I do more events like when we did k-camps Halloween party Everything was geared to every record that he had for that, you know for that season October we put it out like that Oh Man but definitely man It's been a it's been a ride as an entrepreneur with you know Just these couple of days because it's really not a lot. It's only been four months, but I'm I'm excited because you can keep on building waffles are endless like I make chocolate chip waffles I make I don't live waffles. I'm just flexing. Yeah, I'm just I think that's what drinking them said right Some light for the people. I just want the people to kind of know that Waffles are endless and I got vegan waffles coming out as well. So working on that too I ain't no I ain't no waffles my man's right there. Waffles got meat in them No, you don't don't put the eggs in them Let me know when you bring the vegan waffles out my man's great dude Thank you. Give me every other thing crazy. Okay.  Okay, definitely So what's your favorite what's your favorite part about the milk is it the chicken or is it the waffles and if it's the waffles Like what do you like, but it's really two separate entities.  I can't play with y'all. They hidden separate But then together You do everything supposed to it's something I need some more hook me up with some more strawberries and You came through at the right moment, right? I kind of felt that and I know you're a genius because the shit's still hot I told him in the back. I had to make sure Y'all food was hot when it came out Out It's a slide that's right in the middle. Just let it sit there. Oh my goodness.  Oh, it's slapping for real. I ain't gonna hold it.  They ordered also Like I said, if you want me to come out and do catering I don't know it's a lot of stuff that I didn't know I could do and I did it and it made sense And then I got a I got a team I got a team that sometimes when I do come in with the bs They be like, no, that ain't it. This one was like this might make sense. Well, you be making waffles. Yeah, every way Yeah So if I go to sometimes they'll book me the dj and then they'll ask for the food too And my team they'll come and make the food and I'll do the dj and because that's That's the edge that I got. No, you gotta be in the dj boat. I'm not hiring two different people That's too much going on you think just just imagine let's just imagine he's dj right there He got all this going on and he making food at the same time like No, call us the whole operation Yo, do you understand what no But maybe No, you couldn't do that I feel you you have to but I'm saying if I got dj waffles I would want you on the ones and tools, right? Not in the kitchen The weight of the food tasted you want me on the ones and tools or you want me in the kitchen? No, no, I'm saying I want all of that You understand this out. What's the most waffles you think a person never seen at once? At once probably like Four probably But at once though these ain't packed. No, I was just in Dominican Republic like two like two weeks ago And I probably did a stack of maybe like 10 or yeah, probably like 10 for everybody.  You're making it aggressive.  You saying hand my equipment up there and make some waffles before I even get started Yeah, you gotta put no syrup on them. There's low risk He's the low risk All right, I would talk to my team about that. We it's possible No, she said yes, he says We go we go we go ahead and try this um, you also could find my um My waffles at a spoonful of health cafe That's in um, Lawrenceville. My partner. She owns that cafe um, shout out to lee She owns that cafe my um, my mix is there and I'll actually go there some days too and helping um The kitchen and serve my waffle so that you can get the hands on experience We're gonna get you a bluetooth waffle What was tell me explain i'm just gonna be a bluetooth speaker. It looks like a waffle. Okay I know people That's what I heard too That's dope. I know mom I know some folks, bro Waterproof for the kitchen for the kitchen. That's my business partner right there Drop your social media, bro.  So y'all can follow y'all can follow me y'all can follow me Instagram at dj underscore waffles y'all can follow my waffle mix at dj underscore or dj waffles mix My waffle's still hot Duh, you know He picking for one and we eating Y'all finished them. Y'all know we eating Okay You know because you know on tv right You know the morning show they be like a little a lot of pump maker going on next week Like I don't want to eat all this because I don't want to disrespect the people who didn't get to have no All right, man. I'll back you out. All right. I'm so sorry But you know where to order. Amen. Yeah, make sure y'all do that. Can you tell y'all the info?


It's time for the Lawn Jean Chronoscope, a television journal of the important issues of the hour brought to you every Monday, Wednesday, and Friday, a presentation of the Lawn Jean Wittner Watch Company, maker of Lawn Jean, the world's most honored watch, and Wittner, distinguished companion to the world-honored Lawn Jean. Good evening. This is Frank Knight. May I introduce our co-editors for this edition of the Lawn Jean Chronoscope? Edward P. Morgan and Bill Downs, both of the CBS television news staff. Our distinguished guest for this evening is Dr. Heinz Kreckler, chief of the German diplomatic mission to the United States. Mr. Ambassador, we can get into the high-blown diplomatic question soon enough. Let's try to start on a little bit more of a human level. What is the one thing, in your opinion, that is worrying the West German citizen most? Is it taxes? Is it food? Is it shelter? Is it the threat of the Russians, or what is it, sir? Well, it's very difficult to describe this in one word. I think it's several things that there are longing for, desire for peace, that peace is preserved, desire that there are unhappy brothers and sisters on the other side of the Iron Curtain, getting their human dignity and their freedom back again, and then, of course, to have a greater stability in Europe through European integration. I think that's what is foremost in their minds. Well, Mr. Ambassador, we are proposing that 12 German divisions be formed. Now, in an event that this plan goes through, do you think there's any chance that West Germany would do a South Korea, a sing-man-ree, and opposes in major policy decisions? Well, I wouldn't like to compare it to conditions in other countries, but I can say this. First of all, it's not the question of putting 12 German divisions into the field, but we regard what we are asked to do as our contribution to the sharing, the burden of common defense. That is what we are really ready to do, what the German people is prepared to do. So what we are asked to do and what we want to do is to have 12 divisions in a European army, not 12 German divisions, but 12 European divisions in which Germans serve. And that's quite a difference. Mr. Ambassador, perhaps we can focus on that a little bit more tightly. Yes, exactly. If we ask you to give your own assessment as to the significance of the recent elections in which Mr. Adnar was re-elected and the so-called splinter groups from the right and the left, both extremes were routed. There's been a great deal of speculation on that from the so-called experts. It would probably be valuable to get your own. Gradually, Mr. Morgen. In my opinion, the greatest common denominator of the election results is this. It's an acceptance of partnership by the overwhelming majority of the German people. And by this, I don't mean the advantages of partnership only, but also the burdens and the duties of partnership, being partners of the free world. And that I think is in what you can say in the broadest terms. Then one issue that we are most happy about is the crushing defeat that the neo-Nazis suffered. They didn't get a single seat in our parliament and they got, I think, not more than half the votes even the communists got. And the communists didn't get a single seat either. You feel that there's no real danger, then, of a rise again of Nazi elements in West Germany? Well, I think, Mr. Morgen, after these elections, all observers agree that this danger is not existing anymore. But you know that eternal vigilance is a price of liberty and we know this. Bill Downs has just come back from a trip to Germany where he's been several times and he's been back just a few days, actually, and he's probably got some pointed questions to ask you on that respect. Well, I didn't want to get into that yet, Ed, but I would like to know, and I didn't have a chance to find out, but you say that the German people are willing to put up 12 divisions into this European army. They are willing to share the burden of defence. That is exactly what they mean because they really didn't want to put up troops again, as you knew, only in the form of sharing the burden. How do the young men who are going to form these divisions feel about it? I think we can answer this question also by the election results. We think that the young people, not very cheaply, but accept this to share the burden as a duty and accept it as also by their participation in the elections. Well, Mr. Ambassador, we must be very realistic about these things and we know that the French, very understandably, have been frightened, more than frightened, by some German policies before and that probably conditions their reflexes as to the European defence community now. They seem to be, in most recent weeks, a little bit more encouraged toward getting into the European defence community with Germany. How do you think the situation looks at this moment? Well, I agree with you. I think the French reaction towards our election results was pretty much similar to that in other countries. They were also greatly encouraged by the crushing defeat of the neo-Nazis. And then, by the way, the European defence community was a French proposal and we, I think, have every reason to believe that it will come into existence. Well, it's been said, Mr. Ambassador, that the dilemma of Germany is that it must have an army strong enough to deter the communists, but at the same time, weak enough not to frighten the French. What do you think of that? All I would say, I wouldn't put it in these words. I would say that when we are contributing to the European defence community, our contribution is fixed not by ourselves, but by consent of the partners. And the other members, members of the NATO, who are not members of the European defence community, have a say in this respect in the planning also. So what the size of the German contingent is not fixed by Germany, but is fixed by all the partners. Mr. Krekler, obviously one of the main questions as to Germany is to whether it can be unified, and that brings up the question of Soviet policy. They seem to have relaxed a tiny bit since the June 17th uprising, one way or another. What do you really think are the realistic possibilities of such a union of west and east under the circumstances? Well, I think we will have one day this reunification. How can it come about? Always ask why I believe this is so, and one of the main reasons I am giving for this is the effect of world opinion. I think the public opinion throughout the world plays a greater role in the developments in the world as we all estimate or think, and after the events which you mentioned following the 17th of June when the population of the Soviet occupied zone rose against their oppressors with bare hands against tanks, everybody in the world knows how these people feel. They made this uprising under the slogan of free elections, and at the very day the 18th of June happened to be in Honolulu. That's pretty far away from Berlin. It's nearly half around the world, actually is, and I can tell you I was very deeply moved by direction people even there at this great distance ahead. But Mr. Ambassador, does this not also mean that the Soviet government realizes the feeling against the communist regimes or the Iron Curtain? And does that not also mean that their grasp will tighten rather than loosen? No, in the long run I don't think so. I don't think so. Well, supposing that from now till spring, for example, there is no hope offered to those people behind the Iron Curtain, the East Germans, that there is no four power conference, there is no progress towards unification, do you think there's any possibility of an uprising again? Well, of course you can't say this, but what I should like to point out is that we are constantly giving them proof how we are thinking that we are standing at their side. First there was this program of giving food parcels. And now, as you have learned, President Eisenhower answering a letter by Chancellor Ardenauer said that the American people would be by the private organizations prepared to give clothing to those also. And by these people know that we are at their side, that we haven't forgotten them. And this is much more a human problem than a political one, much more. I think this has a great effect. Well, the French also and the Americans and the British have embarked on a new policy, it appears, that one of saying that we will offer security guarantees to the Russians. Do you think that's realistic? Oh yes, very much so. There is quite a story behind this. The first time such a plan was mentioned, when I remember correctly, by President Eisenhower in his address before American newspaper editors. And then a second proposal along these lines was made by Sir Vincent Churchill, British Prime Minister. And then Chancellor Ardenauer made a proposal to use the European defense community as a starting point if the other partners agreed to it, as a starting point for security offer, including also the Soviets. And all this has been taken also up by a French spokesman, and so I think we are quite agreed on the western side that we should work along these lines. Ambassador is the last question, and I want you to answer it in just a couple of words. You've been around the country a great deal. What do you think the people of America are most preoccupied with at this moment? Well, as we all are, there's a question, how can we preserve peace? I think that it's the first political problem we have to solve in our time, and I think the American people realize very well that if we all work together, especially in Europe, co-operates better than in the past, we will solve this crucial problem of mankind. Thank you very much, sir, indeed. The opinions that you've heard our speakers express tonight have been entirely their own. The editorial board for this edition of the Longeen Chronoscope was Edward P. Morgan and Bill Downs, both of the CBS television news staff. The distinguished guest was Dr. Heinz Krakler, chief of the German diplomatic mission to the United States. It's World Series time again, the best days of the year for the football, baseball fans, and this year again the World Series is Longeen time. Yes, all umpires of the American and the national league use Longeen watches exclusively for timing all the games, including the World Series. Truly, the watch of first choice in the world of sport is Longeen. The only watch in history to win 10 World Fair grand prizes, 28 gold medals, and so many honors for accuracy in fields of precise timing. That is why throughout the world no other name on a watch carries the prestige of Longeen, the first choice in the world of sports, the watch of first choice with discriminating men and women everywhere. And yet, do you know that you may buy and own or proudly give a Longeen watch for as little as $71.50? Longeen, the world's most honored watch, the world's most honored gift, premier product of the Longeen Witner Watch Company since 1866, maker of watches of the highest character. We invite you to join us every Monday, Wednesday, and Friday evening at this same time for the Longeen Chronoscope, the television journal of the important issues of the hour broadcast on behalf of Longeen, the world's most honored watch, and Witner, distinguished companion to the world honored Longeen. This is Frank Knight reminding you that Longeen and Witner watches are sold and serviced from coast to coast by more than 4,000 leading jewelers who proudly display this emblem, agency for Longeen Witner watches. Tuesday nights, they're suspense on the CBS television network.


I'm Cody Askins with SecureAge Mentor. Our mortgage protection insurance leads are phenomenal. They're exclusive. You're the only agent that will ever receive this mortgage protection lead. They're not shared. They come to you in real time. As soon as a prospect fills out an online lead form, they provide their full name, address, city state zip, phone number, date of birth and their current mortgage balance. Once they provide these things, it gets emailed to you in real time immediately after they fill it out. With our mortgage protection leads, you'll start receiving leads within 24 hours and the whole order will be filled in a matter of days. It's a super fast process. Also, these are targeted in your area. You get to choose where you want the leads. You'll receive targeted responses from current homeowners or first time home buyers in your area looking to protect their mortgage with term life insurance. Our leads are ages 40 to 80, with a majority of them being 45 to 75, right in the mortgage protection sweet spot. They're well targeted. The ages are right. The incomes are right. These are perfect for selling mortgage protection insurance all day long. In the rare case that we need to replace a lead, maybe it's a disconnected number, maybe there's a language barrier, maybe they're outside of your area, we will gladly replace those leads for you. Also, a really popular question we receive. What is the average closing ratio? It's about 15 to 25%. We actually track those numbers. Great agents can do even better. You want some training, some free valuable training videos? Check out our YouTube channel, SecureAgent Mentor, for tons of insurance specific training videos to make you the best insurance agent that you can be. You want to have consistent weekly success? Check out our weekly orders. They also provide a monster price discount. You want to be successful? Week in and week out all year long. Our mortgage protection leads are the difference between success and failure. We will make you successful by trying out our mortgage protection leads today.


Hi everyone, I'm Joe for jaspyscasebrakes.com with 2022 Tops Chrome, a black baseball 12 box picker team member 15 coming at you. Breaking a lot of this and we're down to our last case for the time being. We may have some more on the way, so just keep an eye out on jaspyscasebrakes.com, we'll try to get some more of this I'm sure. Matthew got last pod mojo twins to close out the breaks, thanks to him, thanks everybody for making this happen. What is this? Straight no filler. Alright and now, let's get this into my paper stand here, there we go, let's see what we have in here. It's not there, I'll put some back there, it's Christianielge Orange 23 out of 25, Howard with the Brewers, and your in case card, one in case card per box is Pudge and Von Rodriguez, Rangers edition, and that will be Howard with Texas, got the parallel, got the in case card, nice, a personal box for Howard, next one, Mookie Betts 109 out of 199 Mookie Betts, Alan with my Dodgers, and the in case card, I like that aqua parallel, I think I saw a rookie card sign, rookie card badge, 10 out of 99, it's Joe Ryan, Minnesota, Matthew, last pod mojo strikes again, it's a real sharp looking set, I hope we have more on the way, keep your eye out, jaspyscasebrakes.com, I mean previously this week we actually hadn't had a lot of top's chrome black, Piedalonzo Blue, Francisco Lindore, Purple, teammates 115 out of 150 on the Francisco Lindore, it's for Ed P, and Ed, your Piedalonzo is 62 out of 75. Another rookie logo there, rookie Juan Yepes, and that's for the Cardinals, and that's for Ed, oh I see, well I appreciate it Matt, Matt saying hey I only bought the twins thinking that we had more cases to post, so you can get the Cardinals, but rookie Joe Ryan, not too bad, I feel like did Joe Ryan have a decent year last year, is he, yeah he did actually, 355 ERA went 13 and 8, 147 innings, 151 strikeouts, it's not bad, and got Ryan Mountcastle and Julio Rodriguez, Purple, 131 to 150, that's Michael Locio picked up Seattle straight up, nice, Ryan Mountcastle, Ed P, Orioles, also nice, 5 out of 50 encased, is, almost revealed the name, it's Max Muncie, that funky Muncie, taking it to the max, Allen with the Dodgers, rough first half for him and then picked it up towards the end, coming off that, remember that weird elbow injury he had in 2021, the end of that season, the last game of the season actually, I think he was playing first, there's a play at first, and he caught it and he swung his arm out to tag the runner, the runner ran into him, and it was at like a weird angle where his elbow kind of went back the other way, had to have surgery and everything and then just didn't look quite right for the spring training the first half of the season, then kind of figured it out, Javier Baez 149 out of 199, Detroit, it's gonna be for Jacob, for like Max Muncie should be back on track this year, a healthy off season and then go into the spring healthy, all right, we've got Casey Meyes, Jacob with the Tigers, the former first overall pick, Tommy John surgery for him unfortunately last year, so he'll be recovering this year, so that's maybe one to hold on to, that's right, and that Max Muncie wants to be the best Max Muncie, he doesn't want A's Max Muncie out shining him, 24 out of 50 Seth Beer, of course Dodger's Max Muncie was originally drafted by the A's and the A's must have felt like they made a mistake, they're like we got a chance at another Muncie, Gervan with the Diamondbacks gets the delicious delicious Seth Beer, 64 out of 99, you're in case Otto is Alan Trowell, nice old school Tiger going to Jacob, back-to-back Tigers in case he's heating up, all right, another box, all right, Giancarlo Stanton, Rodolfo Castro and Nick Madrigal Gold, 28 out of 50, that's for Gervan and the Cubs, Gold Speckle or maybe a Mini Diamond, I think is my brush up on my parallels, all right, and we got Big Mac, Mark McGuire, that's for Howard and the Oakland A's, Mark McGuire went, played little league in the city next to, next to me, not this and not when I was growing up, but Mark McGuire is a little bit older than me, but yeah, Claremont, I grew up in Upland, he set all sorts of records, not surprising, got Wilson Contreras, Raphael Devers, O'Neill Cruz, that is for Daniel and the Pirates, 65 out of 199, we have Marcus Simeon, Texas, Howard with the Rangers, four boxes to go, I would assume so, I assume the whole McGuire family was in that Claremont area, Christian Yelich, 123 out of 150, Purple that is for Howard and the Brew Crew, the city of Claremont, I think you may not be anymore, but was the home of Snoop Dogg, Snoop Dogg had a house up there that that he regularly lived in, chip off the old block, Chipper Jones, Tristan with the Braves, there would be some stories of, I've never seen this happen, there'll be stories of every once in a while, they'll be like yeah we saw, we saw Snoop at Claremont High School, he was playing basketball with his buddies, Julio Rodriguez, rookie card, George Springer and Brandon Marsh, 54 out of 99, yeah I don't know if, I don't know if, if a lot of people are shouting out, if a lot of people are shouting out Claremont, let's see, McGuire is born in LA suburb of Pomona, which is, which has a, there's a big hospital in Pomona, so I feel like a lot of kids end up being born there in that area, Julio Rodriguez, father was a dentist, attended Damien High School in Laverne, which is the private school, that's, that's in that Claremont-ish area, is that considered Laverne, I guess it is, where he played baseball, golf and basketball, drafted in the eighth round by the X, was an 81, but didn't sign, then went to USC, wow, he was a teammate of Randy Johnson, Jack Del Rio, Rodney Pete, it's pretty nice, all right then we got, we got Super Futures, Josh Lowe, Rookie Otto, 67 out of 99, Jeff with the Tampa Bay Rays, mango ban, yeah we sure did, I, I mean I personally did, Jason did on the Personal Breaks channel, that'll cover the cost of the box pretty easily I think, yeah that's true, could have got all that Andrew in the same place, USC in the, in the early 80s, probably a hotbed of that, hotbed, O'Neal Cruz and Corbin Burns to 99, that's for Howard and the Brewers and the O'Neal Cruz, the Pirates, that's going to be for Daniel, these are the one per case, if I'm not mistaken, the large logo rookies, all right and your encased card is going to be gold to 50, three out of 50, Miguel Cabrera, Miggy for Jacob and the Tigers, Tiger uppercut, all right 12th and final box, good luck, all right you're well, oh so you must be Jacob, thanks for getting in Jacob, congrats, nice Miggy, first foul, Hall of Famer, easy, Khalil Ramos, 42 out of 99, maybe maybe a 99 percenter, 99 percent of the vote and our last one, 25 out of 50 is Ryan Mount Castle, what a powerful name, powerful last name, Ed and the Orioles and there you go ladies and gentlemen, like I was mentioning at the beginning of the break, unfortunately no more to post, but I'm sure we should have more on the way, so keep an eye out on jaskyscasebreaks.com and I'll see you next time for the next top chrome black break, bye bye.


Hi, this is Professor Gerald Friedman, Department of Economics at the University of Massachusetts. I'm here to talk about marginal productivity, marginal cost, and growing pot in your bathtub. They do that on Weeds TV show. I don't recommend you do it, don't try this at home. But just in case you did, you might think about how can you increase the output of your pot farm?  To increase output, I'm talking about from one day to the next, you can't add bathtubs, you can't add greenhouses, you can't add acreage, but you can hire more workers. You increase output by hiring more variable inputs. I put in quotation marks because what is variable depends on the time horizon. In the immediate short run, variable includes labor, maybe water, maybe fertilizers. It does not include machinery, land, et cetera, buildings, et cetera. Now the first workers you bring in, maybe, let's say you have a strawberry farm, field of strawberries, they're ready to be harvested. The first workers are very productive. They just go right across the field just picking the most easily accessible strawberries and they fill their buckets very quickly. The second workers you hire have a little more trouble finding strawberries, but there's still a lot of them. The output continues to rise, but at a diminishing rate. Third worker has to start turning over the leaves to find ripe strawberries to pick, has to go looking harder, maybe going to some of the less accessible places. Fourth worker starts really going over where other people already picked. Fifth worker, sixth worker. Each worker picks fewer additional strawberries. We call this diminishing marginal productivity of labor. Because each additional worker has less and less with which to work, additional workers add less to your total output. Output rises, but at a diminishing rate. From this, we can graph a marginal product of labor and it will be downward sloping. Additional workers are less and less productive. If the additional workers are less and less productive, it means you need to add more and more workers to get the same increase in output. If you want to get another ounce of pot, you need to add maybe half a worker when you're starting, but by the time you have 10 workers there, you may need to add another 10 workers to get an additional ounce of pot. You want to pick another bucket of strawberries? First worker might do it in half an hour. After you have 10 workers there, you may need five workers to get that one extra bucket of strawberries. That is why your costs per marginal output rise, or what we call marginal cost increase because your marginal productivity is diminishing. To get the same additional output, you need more and more workers so you need to pay more and more. Marginal costs rise because the marginal productivity of labor falls. Thank you very much. Have a nice day.