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Michael Saylor transformed his company by converting $400 million in cash to Bitcoin, becoming the largest individual Bitcoin holder and pioneering the concept of a corporate Bitcoin treasury. His journey demonstrates how Bitcoin has evolved from a dismissed "internet money" to a legitimate store of value and potential foundation for our AI-driven future.

• Michael Saylor initially dismissed Bitcoin in 2013 but later faced a "mega problem" with $400 million in cash losing value during COVID
• MicroStrategy moved to a Bitcoin standard, now owns over 500,000 Bitcoin, and saw their stock rise from $11 to over $400
• Understanding Bitcoin's scarcity: 21 million total with most already mined and distributed before institutions got involved
• The "block size wars" debate between peer-to-peer transactions and store of value functions continues to shape Bitcoin's development
• Bitcoin eliminates the violence incentive in money - you can't physically take someone's Bitcoin if they don't reveal their key

If you're interested in learning more about Bitcoin, check out Utah Tech University's community education Bitcoin classes or start with resources like the book "The Bitcoin Standard" by Saifedean Ammous or Michael Saylor's website hope.com.
Link: https://www.hope.com/

Guest Aaron Olsen to LinkedIn: 
https://www.linkedin.com/in/aarondolsen/

Link to the Visual Capitalist webpage: https://www.visualcapitalist.com/

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#southernutah #southernutah #realestate #financialmarket #investing #stgeorgeutah #bitcoin #bitcoinnews 

[00:00:00] Intro.
[00:00:54] Michael Saylor's $400M Bitcoin Decision.
[00:07:16] Understanding Scale: Million vs Trillion Seconds.
[00:15:03] Bitcoin as a Treasury Strategy.
[00:26:25] The Block Size Wars: Store of Value vs Peer-to-Peer.
[00:38:48] Lost Bitcoin and Asset Ownership.
[00:52:48] The Future of Streaming Money and AI.

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The transformation of Washington City from farming fields to a strategically developed urban center is unfolding before our eyes. Economic Development Director Rusty Hughes reveals the careful balancing act required to maintain the city's unique character while addressing the economic realities of growth.

When we think about local development, we rarely consider the financial mechanics behind municipal decisions. For every residential property built in Washington City, local government spends $1.30-$1.60 in services for each dollar collected in revenue. This simple fact explains why Washington City, after two decades of being 98% residential permits, is now actively pursuing high-value commercial development along the I-15 corridor.

Rusty shares fascinating insights about projects reshaping the landscape: ARA Southwest Logistics, the largest industrial development in Washington County history; WinCo's long-awaited arrival at Exit 11 after eight years of searching for the perfect location; and plans for a walkable downtown core that will give Washington City its own unique gathering place. Each project is strategically positioned to generate revenue, create jobs, and reduce the number of residents who must commute elsewhere for work and shopping.

Perhaps most compelling is Hughes' perspective as both an economic developer and a 20-year resident who raised her children in Washington City. Her journey from military service to economic development illustrates the diverse backgrounds bringing expertise to municipal government. She emphasizes how community engagement shapes development decisions, inviting residents to follow projects on the city's interactive map at WashingtonCity.org/ed. 


Guest: Rusty Hughes, Economic Development Director for Washington City, Utah
LinkedIn: https://www.linkedin.com/in/rusty-hughes-8544696b/?trk=public_post_comment_actor-image

Washington City Economic Developments: https://washingtoncity.org/development/economicdevelopment

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#southernutah #stgeorgeutah #435podcast #washingtoncityutah #podcast #realestate #realestatemarket #citygrowth #citydevelopment 

[00:00:00] Intro.
[00:01:28] Economic Challenges for Washington City.
[00:06:15] Rusty's Background in Economic Development.
[00:17:36] Washington City vs. St. George Development.
[00:26:59] Residential Growth and Service Population Challenges.
[00:35:56] Industrial Development and Aura Southwest Logistics.
[00:48:35] Winco and New Retail Development.
[00:54:39] Auto Mall and Downtown Revitalization Plans.
[01:03:17] Community Engagement and Online Resources

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In our latest podcast episode, we delve into the intricate world of housing regulations, specifically focusing on a bill currently being discussed in Utah that would require home buyers to sign an affidavit pledging to live in their property within 90 days of purchasing it. This legislation has sparked a variety of opinions among locals. The implications of such a bill are vast, affecting everything from housing availability to investor interests and the overall climate of the real estate market.

As we unpack this bill, we ask the pivotal question: what is the role of the government when it comes to housing? Should they intervene in the real estate market, or should buyers and sellers determine the terms of their transactions? Many argue that government regulation is necessary to maintain fair housing practices and accessibility for first-time buyers, while others caution against overreach that could stifle innovation and personal autonomy. 

In discussing the bill, we transition to broader topics such as lobbying and the influence it wields on local and federal policy. Our conversation navigates through the murky waters of political donations, interest groups, and the ethical nuances of lobbyists influencing legislation. We highlight the delicate balance between supporting favorable policies and ensuring that the voices of ordinary citizens are not drowned out in the process. The fear of excessive influence leads to discussions about accountability and transparency in governance, as well as the potential creation of a Department of Government Efficiency (DOGE), which could help oversee such policies.

Link to Deseret News article 'Does Utah need DOGE?' 
web: https://www.deseret.com/politics/2025/02/27/utah-speaker-mike-schultz-says-doge-under-elon-musk-could-learn-from-utah-legislature/

Guest - Blake Norton
Website - https://www.blueformmedia.com/

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#southernutah #podcast #stgeorgeutah #435podcast #afforadable #affordablehousing #elonmusk #financialmarket #realestate #realestatemarket #doge 

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Ever wondered what it takes to build a tech company from scratch in Southern Utah? Meet Blake Kvarfordt, the local genius behind Blake Technologies who's shaking things up in St. George. From his early days studying business at UVU to diving headfirst into coding at Dev Mountain, Blake's story is anything but ordinary. After cutting his teeth at tech giants like T-Mobile and Nike's innovation team, he came back home with a mission: to create STGZ, a game-changing app that helps local businesses attract customers without the usual hefty fees. But here's where it gets really interesting - Blake drops some serious knowledge about how AI is transforming the way we build software, while keeping it real about why the human touch still matters. We get into the nitty-gritty of startup life and why face-to-face connections are more important than ever in our screen-obsessed world. Want to know what the future looks like? Blake's got some wild ideas about AR and VR that'll blow your mind, especially when it comes to education and everyday life. He's cooking up something big - think Groupon, but way better and focused right here in our community. Plus, if you're into real estate, stick around for his take on investment strategies and what's happening with manufactured homes. Trust me, you don't want to miss this one.

Guest - Blake Kvarfordt
Website - https://www.blaketechnologies.com/

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#southernutah #435podcast #stgeorgeutah #ai #technology #aitechnology 

[00:00:00] Intro.
[00:01:38] Local Entrepreneur's Coupon App Journey.
[00:11:07] Tech Stack and Remote Work Trends.
[00:14:15] Remote Work Challenges and Community Benefits.
[00:25:42] Virtual Reality and Future Education Trends.
[00:30:14] Local Events Integration for Business Coupons.
[00:36:07] Real Estate and Investment Strategies.
[00:39:42] Manufactured Homes and Lending Laws

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What if you could maintain a cherished family legacy amidst the relentless pressures of urban development? On this episode, Sherrie at Staheli Family Farm shares her journey of balancing tradition with innovation in Southern Utah's rapidly changing landscape. Through tales of resilience and adaptability, Sherrie reveals how her family farm has transitioned from vegetable farming to a thriving poultry and cattle enterprise, and how the introduction of a beloved corn maze turned skeptics into fans, capturing the hearts of the community.

We also venture into the world of civic engagement with Sherrie's inspiring work with the Washington City Youth Council. Discover how this initiative empowers high school students, equipping them with essential life skills and connecting them to the political realm. Sherrie offers insights into how these young leaders are making a tangible difference in their communities, fostering a generation ready to tackle the challenges of tomorrow.

Beyond the stories of growth and community, Sherrie opens up about the environmental side of their operations, sharing actionable insights on water conservation and sustainable landscaping. From the importance of native plants in maintaining ecosystems to the development of Utah's first agritourism law, Sherrie paints a vivid picture of how traditional farming can thrive in harmony with modern sustainability efforts. This episode promises a rich tapestry of stories, innovation, and a deep commitment to community and environmental stewardship.

Webpage: https://stahelifamilyfarm.com/


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#southernutah #housingmarket #propertymarket #realestate #farming #familylegacy #farming #stgeorgeutah 

[00:00:00] Intro.
[00:01:34] Youth City Council in Southern Utah.
[00:09:32] Family Legacy in Southern Utah Agriculture.
[00:13:45] Agricultural Business and Agritourism in Utah.
[00:18:36] Regenerative Farming and Water Conservation.
[00:22:35] Water Conservation and Sustainable Landscaping.
[00:34:55] Navigating Development Pressure in Agriculture.
[00:40:32] Agricultural Zoning and Water Conservation.
[00:47:11] Farm Growth and Community Impact.

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Unlock the complex world of Southern Utah's real estate market as we tackle the pressing issues shaping its current landscape. Have you ever wondered why some properties are skyrocketing in value while others seem to stagnate or even depreciate? We'll unravel these mysteries with insights into fluctuating home values, steady interest rates at 7.07%, and their impact on the pace of home sales. As St. George continues to grow rapidly, we anticipate a surge in activity by spring, driven by increasing inventory and demand. Prepare to gain a deeper understanding of how these trends might affect your next real estate decision.

We also navigate the nuances of vacation rental dynamics, credit spreads, and the broader economic implications of tariffs and bonds. Discover how an increase in vacation rental inventory is impacting home values and what that means for property owners. We also delve into the bond market, explaining the intricate relationship between inflation, tariffs, and mortgage rates, and how they shape investment decisions. By understanding the historical context of credit spreads, we provide you with a perspective on what the future might hold for interest rates, real estate prices, and your potential investments. Tune in and get equipped with the knowledge to navigate this evolving market!

Guest: Branden DuCharme, AWMA®
Webpage: https://ducharmewealth.com/
Phone: 435-288-3396

Guest Bio: With a Bachelor of Science in Finance from Utah Tech University and as an Accredited Wealth Management AdvisorSM (AWMA®), Branden brings experience in wealth management, specializing in Real Estate, Tax Planning, and Active Asset Management. Branden is passionate about helping clients achieve their definition of success by applying technical skill and insight.
Notably, Branden leads the Du Charme Wealth Management Podcast and hosts the NAAIM Confidential podcast for the National Association of Active Investment Managers. Residing in Washington, Utah, with his wife and two small children, Branden enjoys playing strategy-based games, golfing, and conducting financial research.
An active member of the National Association of Active Investment Managers, Branden is dedicated to providing exceptional wealth management services.

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#podcast #housingmarket #housingnews #southernutah #stgeorgeutah #realestatemarket #435podcast #propertymarket #interestrates #paradeofhomes 

[00:00:00] Intro.
[00:00:52] Real Estate Market Overview and Trends.
[00:09:01] Real Estate Market Employment Impact.
[00:13:29] Real Estate Market Buyer Psychology.
[00:22:34] Vacation Rental Market Analysis.
[00:31:43] Market Impact of Tariffs and Bonds.
[00:36:41] Bonds and Tariffs Impact Market.
[00:47:16] Credit Spreads and Interest Rates. 
[00:52:28] Real Estate Market Trends Analysis.
[01:03:10] Podcast Audience Engagement and Suggestions.

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Unlock the secrets behind St. George City's economic development strategies with insights from Chad Thomas, the Economic Development Director, and David Cordero, the Communications and Marketing Director. Discover how the city's economic policies are shaped by local elections and sales taxes, and what the arrival of a second Costco means for residents and businesses across Southern Utah. We'll guide you through the intricate dance of attracting big-name brands like Trader Joe's, while also supporting small businesses, all without raising taxes.

The podcast explores the intricate relationship between sales tax revenue and economic development in St. George, particularly focusing on the impact of a second Costco. The discussion delves into the importance of incentives for attracting business, the balancing act between supporting large corporations and local businesses, and the vital role of community engagement in shaping future city policies.

• The crucial role of sales tax in funding city services
• Insights into the site selection process for businesses
• The implications of a second Costco on the local economy
• Discussion on the but-for principle in economic incentives
• The importance of balancing support for small businesses with larger corporations
• Community engagement as a critical component of economic development
• Future growth strategies and the role of infrastructure in attracting businesses

Guest: David Cordero - Communications and Marketing Director at City of St. George, UT
LinkedIn: https://www.linkedin.com/in/dcordero1/

Guest: Chad D. Thomas -Economic Development Director at City of St George, UT
LinkedIn: https://www.linkedin.com/in/chad-d-thomas-a6a43560/

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#salestax #435podcast #southernutah #stgeorgeutah #costco #podcastclips #localeconomy #localdevelopment 

[00:00:00] Intro.
[00:02:07] Local Economic Development in Southern Utah.
[00:13:09] Attracting Businesses for Economic Growth.
[00:26:37] Supporting Small Businesses for Economic Growth.
[00:32:09] Economic Development Incentives and Competition.
[00:44:15] Economic Development and Incentives.
[00:57:13] Economic Development in Southern Utah.
[01:08:16] City Address and Transportation Expo Teasers.
[01:15:21] Building a Strong Community Together.

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What if the intricate dance of federal land exchanges and urban development could change the landscape of Southern Utah? Join us as Kyle Pasley, the insightful Managing Director for SITLA, unpacks the complex story behind the Northern Corridor and its decade-long journey through political and logistical challenges. With tales of expired permits and the daunting tug-of-war between development and preservation, Kyle provides a compelling narrative on how these factors shape the future of infrastructure projects in the region.

Listeners will learn about the ongoing battle to balance development pressures with the preservation of natural beauty, especially in areas like Green Springs. Kyle shares the often-frustrating experience of navigating federal government obligations, shedding light on the critical yet unseen back-and-forth that influences land exchange agreements. Discover how the community's response to increasing traffic pressures and the quest for economic growth tie into broader themes of strategic growth management and housing affordability.

From water conservation initiatives to the economic realities of infrastructure costs, we explore the broader implications of growth in rapidly evolving communities. Kyle offers insights into how SITLA's projects in Warner Valley and Desert Color are paving the way for sustainable development, emphasizing lessons learned from regions like Las Vegas and Tucson. Tune in to understand how strategic planning, infrastructure prioritization, and community engagement play vital roles in shaping a sustainable future for Southern Utah.

Guest: Kyle Pasley. Managing Director, Real Estate, SITLA
LinkedIn Webpage: https://www.linkedin.com/in/kyle-pasley-5774949/

Eric Clarke Episode - https://www.youtube.com/watch?v=Kz6hgYTbEtE&t=17s

Holly Snow Canada Episode - https://www.youtube.com/watch?v=-sZkUWxNZfk&t=1692s

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#TrustLands #UtahHistory #SITLA #landmanagement #Education #southernutah #southernutah #stgeorgeutah #435podcast 

[00:00:00] Intro.
[00:06:01] Land Exchange Agreement Challenges.
[00:14:49] Development, Growth, and Affordable Housing.
[00:22:15] Zone 6 Infrastructure and Affordable Housing.
[00:35:43] Water Conservation and Development Perspectives.

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Discover the profound influence of early American visionaries like Thomas Jefferson and Elbridge Gerry, who laid the groundwork for America's westward expansion and the vital role of trust lands. This episode promises insights into the Northern Corridor project in Southern Utah, tracing the roots of the School and Institutional Trust Lands Administration. We explore how a historical vision has evolved into a sustainable framework that benefits public education and institutions today.

Join us as we highlight Utah's transformative journey in trust lands management, contrasting it with neighboring states like Arizona and New Mexico. Hear how Utah overcame financial challenges in the 1980s by establishing SITLA in 1994, a pivotal move toward responsible land stewardship. We unravel the governance structure that supports strategic, business-like operations insulated from political pressures, ensuring that trust lands continue to serve their beneficiaries effectively. Kyle Pasley provides an insider’s perspective on the innovative strategies that have turned Utah's trust lands into a model of fiduciary excellence and sustainability.

Guest: Kyle Pasley. Managing Director, Real Estate, SITLA
LinkedIn Webpage: https://www.linkedin.com/in/kyle-pasley-5774949/

Eric Clarke Episode - https://www.youtube.com/watch?v=Kz6hgYTbEtE&t=17s

Holly Snow Canada Episode - https://www.youtube.com/watch?v=-sZkUWxNZfk&t=1692s

Looking for a Real Estate expert? Find us here!
https://realestate435.kw.com/

www.wealth435.com 
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#TrustLands #UtahHistory #SITLA #landmanagement #Education #southernutah #southernutah #stgeorgeutah #435podcast 

[00:00:00] Intro.
[00:12:35] Utah's Trust Lands Management Transformation.
[00:24:12] Utah's Trust Lands Management and Funding.

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Is gratitude the key to finding joy amidst life's chaos, or is it just a comforting illusion? Join us as we navigate the complex dance between gratitude and self-awareness, especially during the Thanksgiving season. We open up about the struggle to appreciate both life's grand achievements and its simple joys, while often getting ensnared in the toxic trap of comparison and cynicism. It's a candid exploration of our personal battles with self-awareness, examining how recognizing our own shortcomings can lead to a more balanced, joyful existence. Our goal is to offer you a fresh perspective on maintaining gratitude, even when it feels like the last thing you want to do.

Switching gears, we tackle the rollercoaster of politics and real estate, two worlds that intersect more often than one might think. Reflecting on the emotional whirlwinds brought by election seasons, including the Trump era, we discuss how political climates shape our personal and business landscapes. From the importance of informed voting to the real estate market's reaction to political shifts, we cover it all with a pragmatic lens. We also delve into the significance of engaging with local history and current events, advocating for media that uplifts with meaningful stories rather than fear. Tune in for an episode that promises to enlighten and challenge your perspectives on these vital topics.

November is Diabetes Awareness Month!
Link to Washington County Diabetic Youth Association: 
https://www.wcdya.com/

-Donations are always accepted to help sent a T1D youth to summer camp. Donations can be sent via Venmo '@wcdya' 
or visit webpage: https://www.wcdya.com/copy-of-why-how to scan QR code. 

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Find Du Charme Wealth Management here:
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Below are our wonderful friends!

Find FS Coffee here:
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[00:00:00] Welcome!
[00:11:30] Reflections on Politics and Real Estate.
[00:20:00] Exploring Local History and Current Events.

#gratitude  #podcast  #selfawareness #cynical #thanksgiving #election #435podcast #southernutah #stgeorgeutah