Doug and Jason discuss the impact of interest rates on the housing market and the impacts that will unfold when interest rates inevitably begin to rise.

Episode sponsored by the Podcorn podcast sponsorship platform. www.Podcorn.com

Learn more at https: https://www.jasonhartman.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at  www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

[Sponsorship]

Doug: Today's episode of the terminal value podcast is being brought to you by Podcorn. So for those of you who don't know, podcorn is a platform that aligns podcasters with sponsors so that people who are looking to get the word out for their brand can sponsor podcast episodes and so that podcasters can start to monetize their podcasts. And this is actually a really great pairing because the platform is super easy to use and it helps podcasts get themselves off the ground by offsetting your production costs and helping to pay to promote your podcast. What podcorn is really doing is getting the word out for independent voices such as myself and possibly such as you. If you've ever thought about getting your own podcast going head on over to podcorn.com and check it out. It'll be worth your time. So now onto the show.

[Music]

Doug: Welcome to the terminal value podcast. I am Doug Utberg and I have Jason Hartman on the line and this will also actually be on the creating wealth podcast which is Jason's podcast that has far more listeners than mine does at this current juncture. Of course Jason also has about a 13-year head start. So I've actually.

Jason: Actually 15 years. Yeah so, so don't feel bad Doug nobody listened to my show in the beginning either.

Doug: Yeah, exactly. Yes, he's a 15-year overnight success in the podcasting.

Jason: Exactly.

Doug: But I've actually known Jason for a really long time. He runs an extremely successful investment real estate company, but he does it a little differently because a lot of people like to invest in real estate in their own state but he you know. He but when he started the company he was in California and everything in California was ridiculously expensive. So he came up with the idea of investing out of state for cash flow in areas that have much more reasonable prices and much more. I guess you'd say rational relationships between rent and values so that you could get decent cash flow. Jason let me stop talking for a second and let you introduce yourself to the audience.

Jason: Yeah, good stuff thanks Doug and it's great to talk to...

Doug and Robert discuss the process of creativity and the balance that must be found in order to reclaim it.

As we discuss, the key word is 'balance' ... most of us don't have the luxury of stopping our life to become creative. Unlocking our inner creativity requires finding a balance of daily life and new pursuits.

Learn more at https://robertabelle.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. This is Robert, we have on the line. Although his screen name just screen name on zoom does not say Robert so I had to I couldn't cheat I had to actually be had to remember and but what Robert focuses on is actually helping authors with book launches. But, what we were actually going to talk about today is really how um how authoring a book while some people kind of feel like it's maybe quaint or outdated is actually still a really important part  of generating authority as a thought leader. So Robert don't let me talk the whole time definitely introduce yourself and let's yeah let's just kind of start a dialogue. 

Robert: Alright, great yes that's what happens when you have too many zoom accounts and you log into the meeting with a different one so that's that's on me. So I'm happy to be here. My name is Robert Bell, I professionally I'm a qualified accountant  but I branched out to break through the spreadsheets. I am a speaker, I am an author, I'm a coach, I am all things transformational. My focus is just to help people who are busy and unsatisfied with life live very abundantly.

Doug: And so that's actually I have a little bit of connection. There so my background is actually in finance and accounting particularly for technology companies and on the IT and systems side. So, It's kind of funny how yeah, there's just this inner desire to kind of break free from the spreadsheets. I mean, don't get me wrong I still like doing like doing detailed dorky analysis but uh but yeah there's definitely a lot of life outside of corporate IT accounts. 

Robert: Definitely, I can relate to that. I might, I still as I said carry the brand of an accountant although, I'm a champion of creativity now which is like the other end of the spectrum but I still carry my badge very proudly because you know what I believe that you know our professions, our qualifications, they're just one aspect of identity. So it's not, you're not who you're not someone because of the profession you do you're someone because of what you do. So yes, I might be an accountant but I also create.

Doug: Alright.

Robert: So I'm a creative regardless

Doug and Mike talk about the current dynamics of capitalism in reference to his book: 'Is capitalism sustainable?'

The core conflict Doug and Mike discuss is the fundamental conflict between public policy and private enterprise whereby there is an adverse incentive for business leaders to take advantage of government programs that are not broadly beneficial, but produce narrow benefits.

The core conflict is that if these managers do not participate, their board of directors have every incentive to replace them with other managers who will.

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at  www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Okay Welcome to terminal value podcast. I have Michael Munger on the line here. This is actually a little bit of a moment for me. Because I have actually been a long time listener to the econ talk podcast. Where Mike has been a regular and recurring guests and one of my favorite guests of course. I think one of the first episodes I listened to was with Milton Friedman and well you know it's hard to compete with Milton Friedman. But Mike here is a world-class okie dokie guy and he has written actually a number of books. But the one that I wanted to talk about today just as a part of the conversation is his book is capitalism sustainable. Because I’d like to talk about really what the future of capitalism looks like. And Mike I’d love to get your thoughts or just kind of tee up the conversation. But just what I’m seeing is that you know I think what people call capitalism really isn't capitalism. People think of capitalism as what we have in America and that is not the furthest thing from capitalism because you know for a work trip recently, I went to China and Shanghai. Let me tell you that is very far from what we have in America. But still it's what we have now is very not a free market. There are any number of things that are very tightly controlled and not allowed to freely float, largely just because of people's political fears. And so  what I would love to get your input on is how does this project forward into the future? And is there a way that we can get to that vision of greater prosperity and opportunity for everybody. That capitalism pretends but has a very hard time delivering on due to the externalities and inevitable inequalities. So I’ve talked enough, please share your thoughts.

Michael: We make a distinction to begin with between markets and capitalism. So markets is a system of allocation and production that uses prices as signals about the relative value of resources. And one of the things that's complicated about large societies is that they have to have institutions to reconcile all of the conflicting plans and purposes of individuals. So I think I want to open a restaurant,...

Doug and Alex have an excellent discussion about podcasting and using podcasts to build a brand.

At first glance, it can seem like the podcast medium is too crowded. However, Alex breaks it down by filtering out the inactive podcasts and the ones with less than 10 episodes published.

The net result is a much smaller community than you might imagine of active podcasts. This means that now is an exceptional time to launch your podcast and build a personal brand.

Learn more at https://creatingabrand.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to terminal value podcast. I have Alex. Okay Alex I might butcher your name so forgive me here is a snap snap leaf snap Leo.

Alex: Not even close. But hey I love this because nobody ever gets close, so I love just listening somebody like hey can tell me how to say it I'm like I want to hear you try first. It's Sanfilippo and very few people get it.

Doug: Okay yeah. Alright I utterly and completely butchered it well. Mine's not burgets, it's you know not quite as easy to butcher but I've certainly had many of my own experiences. But anyway.

Alex: I'm sure.

Doug: I'm here to talk with Alex just about the podcast medium and podcasting for brand building. And this is of course a chance for Alex to promote his brand as well because he is the founder of pod match which of course is a podcasting basically a matchmaking service to find podcast authors and podcast guests. So I think the you know of course I'm going to give Alex a chance to promote his brand because that's a part of what we all do when we run podcasts. But really just want to have open conversation just about the meaning of the podcast medium and really what it's doing to media. And I thought Alex in our pre you know our pre-interview chat one of the things he said that I thought was really really profound is that a lot of people are really just looking for kind of feeling like there's somebody to be around because you know we're all kind of stuck by ourselves so with this with the rolling lockdown. So I live in Oregon which is in which has kind of never really gotten out of the idea that nobody's allowed to go anywhere. And of course right anybody who's on the west coast  it probably feels the same what number of other states have loosened up a bit but, yeah. Is this something I can only assume. This is something you've been noticing that a lot of people are just really feeling like they need to have some kind of voice in their life. 

Alex: Yeah. Interestingly enough. First off I'm so glad to be here Doug. Thanks,...

Doug talks with Emily Garrick-Steenson about the role and importance of community support organizations such as Lutheran Community Services Northwest and 'A Family Place.' (www.FamilyPlaceRelief.org)

The importance of these organizations to the most vulnerable population in communities is often extremely high and easy to overlook.

Public support programs are stretched thin across the country and community support organizations like LCS Northwest and A Family Place step in to address a critical gap in helping at-risk families to stay self-sufficient and avoid the need for state intervention at a very high cost to the taxpayers.

Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results.

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. I have Emily Garrick Steenson with me, and she is with Lutheran Community Services Northwest. And she specifically works with a service out of the Newburgh area called a family place. And one of the many things that they do is they actually do early intervention to basically to help keep families together and to help families figure out how to, you know, basically how to avoid needing to go through the system. And being a financial guy. I actually heard her first presentation on this at the local chamber. And what really struck me is the amount of cost avoidance just the magnitude of cost avoidance that you can create by avoiding needing to send just one person through the system, you know, as by going through the system. I mean, like juvie rehab, those types of things, because in a lot of cases, those get funded, publicly funded, I apologize. I'm slipping over my tongue here. And they cost a lot of money that most municipalities just don't have. Emily, please introduce yourself and help everybody else learn what you've taught me just about how impactful community organizations can be. 

Emily: Sure. So, like Doug said, my name is Emily Garrick-Steenson. I am the marketing and events director for a specialist excuse me, for Lutheran Community Services Northwest and a family place. A family place is our program here in Yamhill County, not just Newburgh, but McMinnville. And we recently opened this year, a classroom in Sheridan, which is really exciting. And recently got to place a building on the property of the will of minus School District. So we are all across the county from the east most point to the west, which is really exciting. 

Doug: I'm just gonna, I'm just gonna do a quick stop there. And so that is that is Yamhill County in Oregon, for the listeners who are out of state or possibly out of the country so and for people who are not in the United States, or who are from the east coast, Oregon is a state that's way over on the west coast, sandwiched between California and Washington, I like to say there's a state between Seattle and San Francisco, and that's called Oregon. And that's what we both live.

Emily: That’s true. And to be more specific, Yamhill County is known internationally as Oregon's wine country, which seems very posh and high end. But Yamhill County has this really unique mix of we play a little bit of suburbs to Portland, and the business...

Political polarization has become an unfortunate fact of life.

This has been accelerated by social media selectively banning certain voices while allowing others to continue unfettered.

The result has been that all forms of two-way conversation are almost completely non-existent online. The current trend of hyper-polarization is clearly unsustainable, but nobody seems to know how to get from where we are now to a more civil future.

Doug & Bill have a recommendation that is surprisingly simple.

Learn more at https://www.billpost.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. I have Representative Bill Post with me today and so Bill is actually the representative in the Oregon Legislature who represents the town where I live in Newburgh. What I feel is a very topical conversation is you know, as we're recording this. Recently there have been decisions by either Facebook or YouTube or twitter or a number of social media sites to either you basically to either de-list a number of people or to you know not to cancel accounts. And some people are concerned that this is a huge. This is some sort of huge imposition of free speech. So Bill has a very unique perspective because he spent four decades in radio and so he his perspective is actually pretty similar to mine in that people are really overestimating the broad importance of social media and that real interaction still has to happen between people and so because just an excellent conversation we had right before we started recording was about how you know the the people who are dominating the radio. As far as talk radio like actually listening to it on the airwaves are still Rush Limbaugh and Glenn Beck and they learned how to hone their craft in the 70s and 80s when there were a lot of the pieces of the art that were taught that are really are lost now and that really just fascinated me. And Bill I'd love to love to hear your thoughts or get your input.

Rep Bill:  Sure, yeah I mean I started my first radio job in 1978. My first and I was still in high school. My first full-time real gig was 81 and it was in top 40 radio and you got to remember we were still using real real tape. We were using obviously 33 and 45 rpm records and we used what were called carts which if you've never seen one most people haven't they look like if you can remember eight tracks. They look like an eight-track but they were they actually were two-track. Start and stop, that's the tracks and they were 30 seconds 60 seconds or whatever time you had on the tape. And those so there were there was a skill that you had to learn in that. If those things...

During 2020 there was quite a bit of attention on Law Enforcement and Equity.

Starting with the George Floyd tragedy in Minneapolis, there were a string of protests and riots that erupted due to the display of equity disparities and their impact on society.

One of the things that can be done to address this is by incorporating advanced monitoring technology for the protection of both the people law enforcement interacts with and the officers themselves.

Brandon Walcott (Brandon Walcott | LinkedIn) works for GeTac video solutions to fill this gap and help bring equity to Law Enforcement through Technology.

Learn more at https://getacvideo.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Okay welcome to the terminal value podcast. I have Brandon Walcott with me today and Brandon has the auspicious honor of having been an intern that I brought on board back when I was at Intel in 2016. And depending on when you're listening to this that may seem like a really long time ago or maybe or it may not and incidentally he was actually referred to me by his grandfather when I was working with my wife doing a fundraising auction for our kids school. But Brandon's actually a really clever guy. He's been an entrepreneur since he was what probably about 10 or so doing something or another and what he's actually doing right now is in the technology business specifically for law enforcement. And I thought that bringing technology using technology to help bring transparency to law enforcement especially with all of the stuff that's been going on between the you know between of course the unfortunate incidents with a number of people who've been involved in some of these officer incidents. And you know the riots and all of that kind of stuff Brandon I'd love give everybody an intro and tell us a little more about what your company does and how you're really helping to bring that transparency into the law enforcement sector.

Brandon: Yeah thanks so much Doug and yeah when you look back on it 2016 that's five years ago now it's pretty wild.

Doug: I know.

Brandon: To think of the journey since then and how much I think we both have grown which is pretty exciting. But yeah so, so my background before I get to gtac video solutions is the company I work for right now, like Doug said I've always been interested in technology and very young age entrepreneurship. At the age of 15 I had a choice: do I want to mow my neighbor's lawn for five bucks or fix their computer for 50 bucks. One of those involved getting...

Napoleon Hill first wrote about the mastermind principle over 80 years ago in his classic book 'Think and Grow Rich.'

Aaron is taking Hill's classic lessons and taking them to the next level as a leader & participant in multiple mastermind groups that propel success-minded people to even greater heights of achievement.

It is almost impossible to underestimate the impact of positive, constructive association. Consciously executing the mastermind principle in your business and life is an exceptional way to ensure continued, growth-oriented interactions that propel everybody in your circle of influence to greater heights.

Learn more at www.ViewFromTheTop.com

You can find out more at  www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. I have Aaron Walker with me.  So Aaron it's, it's hard to say exactly what Aaron does. He is a man of many, many talents. He is of course known mostly for his, a view from the top, book and series. But, what I actually brought him on here to talk about was the mastermind concept originated by Napoleon Hill will not originate it but popularized by Napoleon Hill, as well as many of the other really important parts of building a successful business and becoming a successful leader. Aaron, please introduce yourself to audience.

Aaron: Hey Doug, thanks for having me on, man. I really appreciate it. I'll give you a 30,000 foot view. I won't bore your audience too much. I hope I'm a native Nashvillian live in Nashville, Tennessee.

Doug: Outstanding:

Aaron: My 60th year here. I love it in Nashville. People ask me all the time on interviews. If you could live anywhere you wanted, where would you live? And I said, well, I can live anywhere I want. And I do. And it's Nashville, Tennessee. I love it here started my first business at 18, 42 years ago. And I've been an entrepreneur since we've started. And so 14 different businesses. I retired for the third time when I turned 50, 10 years ago, and then a mastermind that I'm in with Dave Ramsey and Dan Miller and some of those other guys, they encouraged me to coach. So I started coaching fell in love with that process. Today we have 20 masterminds, we're in nine different countries and we absolutely are having a blast. Helping people live a very successful life and significant life. And so I've got a journey a little bit along those lines that I can share a little later how the paradigm shift changed for me and how I went from really self focused to outward focus. 

Doug: Okay.

Aaron: It really changed my life.

Doug: Well, I've actually found that a lot of the most successful people and by successful, I don't just mean raking in tons of money, but the most successful people, as far as having, you know, having real

There was a time when marketing options for small businesses were terribly limited.

In the 1990's, only mid-sized companies and larger enterprises could afford to produce a professional looking promotional video. The economics have change radically in the past two decades, and there are more options available to small businesses than ever before.

Doug and Bryan discuss the dynamics of creating quality video marketing content for your business.

Learn more at https://junglemedia.com

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

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[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. I have Brian Groves with me today and he is actually the owner of Jungle Media where he actually he specializes in helping small and medium businesses create video marketing. And I actually have them online on here today  to just talk about the evolution in video production because what we were just talking about before the call is how in 1996 which isn't that actually a little while ago but not that long ago. If you wanted to do any kind of video project at all the cost started at about fifteen thousand dollars and went up from there rapidly. But what's happened is that the cost of creating really pretty high quality video has come down considerably and that's really just changed the whole dynamics of the video marketing industry. You know now of course the one of the things you also have to contend with is that there's a lot of people who are just doing point-and-shoot videos with their iPhone or with their Samsung and a lot of this is proliferated onto YouTube. And so Brian I'd love to get your input, your thoughts and also to help the listeners understand what are the things that make for really compelling video marketing.

Brian: Okay, sure yeah. I think how it might be easiest to begin is to break any kind of content. For marketing purposes that has video as part of it into several categories of how they're used and it's useful I think when you're talking about what your budget should be? or what kind of equipment you should be using? or what quality you need to remember that there's a difference between these three different categories. The first category which has been around forever is what I call immediate content. So this is the typical on tv mattresses are on sale. This weekend 50 off  that piece of content announcing the sale of something is very immediate. It's very perishable. It's something that is only useful for a very short period of time so that's the typical commercial. Hey there's a sale this weekend come on down we've got we've only got six left or whatever it is that sort of thing.

Doug: Yeah. Generally speaking...

Doug talks with Sister Adele Marie Altenhofen from the Sisters of Saint Mary in Oregon. The organization runs a convent, a school spanning from pre-school up through high school, and a senior care center.

Doug and Sister Adelle Marie discuss the dynamics of running a mission-driven organization and the challenges that have been overcome during COVID as the guidelines constantly changed.

Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. 

You can find out more at www.TerminalValue.biz

You can find the audio podcast feed at www.TerminalValuePodcast.com

You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg

Schedule time with Doug to talk about your business at www.MeetDoug.Biz

[Music]

[Introduction]

Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC.

Doug: Welcome to the terminal value podcast. I have Sister Adelle Marie with me from the Sisters of Saint Mary. The campus in Beaverton Oregon which incidentally is where both of my kids go to school. My daughter Jada and my son Nolan. I won't say their ages but if you know me you probably know how old they are. They are both enrolled at the Sisters of Saint Mary's school. However, there are also some other ministries that go on as there as well which is they have a convent which is where Sister Adelle Marie lives with. Was it 49 other nuns?

Sister Adelle: Approximately yes.

Doug: Approximately yes. There's 42 there are 49 other nuns and they also run a senior care home called Maryville. In addition to having housing for retired clergy and Sister Adelle Marie she is actually the financial director. So she has quite a bit on her plate and she's graciously decided to come and talk to us just about the mission and the and then the resiliency they've shown in trying to figure out how to adapt to the covid reality and it's actually very timely conversation because as of the time of this recording the governor of the state of Oregon put a new set of restrictions on reopening schools. So you know, they the sisters are saying all right well that's okay we didn’t want to celebrate Christmas anyway. We’re just gonna be in meetings all the time. So Sister Adelle please welcome and yeah please tell us a little bit about your ministry over at the campus.

Sister Adelle: Certainly. So I am what we call my role is called the President of the Sisters of Saint Mary of Oregon Ministries Corporation and as noted we have several ministries on our campus. The school was founded clear back in the early 1900s we were known then as Saint Mary's and then it changed the St. Mary's Institute and then it became at some point in the line Saint Mary of The Valley Academy and then changed to Valley Catholic. So Valley Catholic school on our campus actually serves babies as young as six to eight weeks all the way up through our seniors in high School and we have about a thousand students on our campus. So usually, usually they're all on our campus right now they've been doing digital learning as was noted. Then we have Maryville Nursing facility. It has residents up to a capacity of 165 residents there and then another 15 in