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After multiple formula-related infant deaths were reported to the FDA in February, samples from Abbott Laboratories' Sturgis, Michigan baby formula production facility tested positive for cronobacter, triggering a recall and a subsequent formula shortage. In this episode, Jen uncovers monopoly and neglect in the baby formula production industry, lack of oversight by the FDA, and the United States' refusal to adopt the World Health Organization's International Code of Marketing of Breast-Milk Substitutes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via PayPal Support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536. Please make checks payable to Congressional Dish Thank you for supporting truly independent media! View the shownotes on our website at https://congressionaldish.com/cd254-baby-formula-shortage Background Sources Recommended Congressional Dish Episodes CD234: AWOL Recall: The Rock and Play Sleeper The Formula Shortage Abbott. Jun 15, 2022. “Update on Abbott's Sturgis Plant and Formula Production.” “Testimony of Robert M. Califf, M.D., Commissioner of Food and Drugs, Food and Drug Administration, Department of Health and Human Services, before the Committee on Health, Education, Labor & Pensions, Infant Formula Crisis: Addressing the Shortages and Getting Formula on Shelves.” May 26, 2022. U.S. Senate. Center for Food Safety and Applied Nutrition. May 18, 2022. “Guidance for Industry: Infant Formula Enforcement Discretion Policy” [FDA–2022–D–0814]. U.S. Food and Drug Administration. Annie Gasparro and Jaewon Kang. May 12, 2022. “Baby Formula Shortage Could Leave Parents Scrambling for Months.” The Wall Street Journal. U.S. Food and Drug Administration. Feb 2022. “FDA Investigation of Cronobacter Infections: Powdered Infant Formula.” Baby Formula Monopoly Matt Stoller. May 13, 2022. “Big Bottle: The Baby Formula Nightmare.” BIG by Matt Stoler on Substack. Sam Knight. Apr 23, 2022. “Company Responsible for Tainted Baby Formula Has Monopoly Over Aid Program Sales.” Truthout. FDA Failure Letter from Rep. Raja Krishnamoorthi to FDA Commissioner Robert Califf. March 24, 2022. U.S. House of Representatives. Poisoned Baby Food House Committee on Oversight and Reform, Subcommittee on Economic and Consumer Policy Staff. Feb 4, 2021. “Report: Baby Foods Are Tainted with Dangerous Levels of Arsenic, Lead, Cadmium, and Mercury.” Operation Fly Formula Brenda Goodman and Deidre McPhillips. Jun 10, 2022. “How far will Operation Fly Formula shipments really go to fill America's store shelves?” CNN. The White House. May 22, 2022. “Biden Administration Announces Second Operation Fly Formula Flight.” White House Briefing Room: Statements and Releases. 60 minutes Segment Bill Whitaker. May 22, 2022. “Medical Middlemen: Broken system making it harder for hospitals and patients to get some life-saving drugs.” 60 Minutes. The WHO Code and Formula Marketing The World Health Organization. Apr 28, 2022. “Scope and impact of digital marketing strategies for promoting breastmilk substitutes.” The World Health Organization. Apr 28, 2022. “WHO reveals shocking extent of exploitative formula milk marketing.” The World Health Organization. #EndExploitativeMarketing Petition. La Leche League International. “International WHO Code.” Bonnie Goldstein. Jul 13, 2018. Paper Cuts: No Match for Mother's Milk. Project on Government Oversight. Baby-Friendly USA website. The World Health Organization. Jan 27, 1981. “International Code of Marketing of Breast-Milk Substitutes.” Fisher-Price Update Katie Porter [@RepKatiePorter]. Jun 15, 2022. “Following yesterday's news of previously unreported infant deaths in Fisher-Price products, I'm calling on the company to immediately recall all…” Twitter. Laws H.R.7791: Access to Baby Formula Act of 2022 Jen's Highlighted PDF of Public Law 117–129 H.R.3182: Safe Sleep for Babies Act of 2021 Audio Sources INFANT FORMULA CRISIS May 26, 2022 Senate Committee on Health, Education, Labor, and Pensions The committee concluded a hearing to examine the infant formula crisis, focusing on addressing the shortage and getting formula on shelves. Witnesses: Robert M. Califf, Commissioner of Food and Drugs, Food and Drug Administration Clips 37:26 Dr. Robert Califf: Frankly, the inspection results were shocking. Standing water, cracks in key equipment that presented the potential for bacterial contamination to persist, particularly in the presence of moisture, leaks in the roof, a previous citation of inadequate hand washing and current poor foot sanitation, bacteria growing from multiple sides, and many signs of a disappointing lack of attention to the culture of safety in this product that is so essential to the lives of our most precious people. 38:14 Dr. Robert Califf: As soon as we receive positive cronobacter results from environmental samples at the facility that we collected during the inspection, we contacted Abbott to ask the company to issue a voluntary recall. The need to take urgent action to protect the most vulnerable of all of our people -- infants -- presented a dilemma. This was the largest plant of the dominant manufacturer, and it was the sole source of a number of metabolic formulas essential for viability of infants with no substitution possible, because Abbott had no backup plan. We knew that ceasing plant operations would create supply problems, but we had no choice given the unsanitary conditions. 50:50 Sen. Richard Burr (R-NC): Why haven't you waived labeling requirements from trusted manufacturers in countries like the UK, Australia or Canada? Couldn't manufacturers provide temporary labels on imported formula? Cans if the label is printed in a language other than English until US manufacturing is restored? Some countries have higher nutritional requirements. Why can't we provide a waiver for their products to come into the country? Dr. Robert Califf: We've waived many of the requirements that are the ones that make sense, but the directions have to be clear to Americans in language that's understandable so the formula can be mixed correctly. An error in mixing up the formula for example, can lead to a very sick infant not getting the right nutrition. 2:16:18 Dr. Robert Califf: We saw the lack of quality in the system and the lack of accountability for the problems that were there. And so we had to invoke the Justice Department to negotiate a consent decree, which is essentially Abbott saying, “Yes, we had all these problems. Here's exactly what we're going to do to fix them.” For legal reasons, I can't discuss the exact details of the negotiation, but let's just say that it took a little armwrestling to get to the point where the Justice Department got Abbott to sign the consent decree. FORMULA SAFETY AND SUPPLY: PROTECTING THE HEALTH OF AMERICA'S BABIES May 25, 2022 Committee on Energy and Commerce: Subcommittee on Oversight and Investigations Witnesses: Robert M. Califf, Commissioner, Food and Drug Administration Frank Yiannas, Deputy Commissioner, Food Policy and Response, Food and Drug Administration Susan Mayne, Director, Center for Food Safety and Applied Nutrition, Food and Drug Administration Chris Calamari, Senior Vice President of U.S. Nutrition, Abbott Robert Cleveland, Senior Vice President of the Nutrition Business Unit for the US and Europe, Mead Johnson Nutrition Scott Fitz, Vice President of Technical and Production, Gerber Clips 41:55 Robert Califf: Because of the lack of the diversification of this market in the absence of a central hub for integrating supply chains, we concluded early on that getting the Sturgis facility up and running safely was a top priority. But we had no confidence in the integrity of the Abbott quality program at this facility. Accordingly, we initiated proceedings toward a consent decree, which requires Abbott to undertake steps to assure safe production of formula, including hiring an outside expert with reporting to FDA. 43:03 Robert Califf: Despite the overall numbers showing diminished but steady supply, we knew that distribution was an issue. Some areas were experiencing significant shortages, but overall, there was enough formula to go around. About a month ago, the reports of shortages on the shelf proliferated, although there was not a drop in production. This increase in consumption most likely represents heightened concern of parents and caregivers about shortages, leading to an understandable effort to purchase ahead to ensure adequate supply at home. This type of cycle has happened with other products throughout the pandemic, and we realize that the only solution is to have adequate supply to make sure shelves are stocked. 45:57 Robert Califf: Abbott's enormous market share left it with a responsibility for producing safe infant formula that was not met. We will do everything in our power to work with Abbott to make this happen as quickly and as safely possible, but this timing is an Abbott's control. 46:35 Robert Califf: Across the industry we regulate, we are seeing evidence that the just-in-time distribution system, market concentration, and sole-source contracting are leading to shortages. Multiple reports to Congress call for improved supply chain management. Until regulatory agencies have digital access to critical supply chain information and personnel to do the work, we will continue to react to supply chain disruptions rather than intervening to prevent them. 1:01:113 Robert Califf: It's really important for people to go to the HHS website: hhs.gov/formula. There you'll find the hotline for all the manufacturers and helpful information about where to go. 1:04:12 Robert Califf: You would be surprised to know there's no just-in-time system where all the FDA employees can see what's going on. What we really need is access to the information that the manufacturers have about each of their individual supply chains. They each have their individual supply chains, but there is no national system to make sure the supplies getting where it needs to go. 1:05:11 Rep. Cathy McMorris Rodgers (R-WA): Did FDA not have a data analytics tool to monitor the supply chains of various products, including infant formula? Robert Califf: We requested funding for a tool and because we didn't get the funding, we cobbled it together. It's a start, but it's nowhere near — you know, again, I was at Google for five years. The technology at FDA, and in many federal agencies is outmoded and needs an upfit, there's just no question about. 1:07:33 Susan Mayne: We have been in discussion with infant formula manufacturers throughout COVID, but discussion is not the same thing as data and we do not have the authorities to demand data from the companies to get necessarily all the information that you would want to have to really monitor the supply chains as Dr. Califf indicated. 1:10:30 Robert Califf: But given what we saw, the only way we could have confidence was through a consent decree, where we literally have oversight of every single step. When we met with the CEO yesterday, there were hundreds of steps that they went through that they're having to do, many of which have already been done. So it's only if we have direct oversight over it that I would have confidence, but I do have confidence that we are seeing every single step both physically in-person, and also through following the documentation and the outside expert. 1:10:53 Rep. David B. McKinley (R-WV): How will the passage of last week's FDA Bill increase the production of baby formula? Robert Califf: Production is increasing already — Rep. David McKinley The criticism, that they said that on these various tweets — it was not just one there were several — that said it was unnecessary. So I want to know, how do we increase, how do we get back to production? How to put in $28 million? How would that how's that gonna increase production? Robert Califf: Well, remember, the Abbot plant needs to get up and running, we've got to oversee and micro detail to make sure that it's done correctly. And as we bring in supply from other countries, remember, we already have overseas plants that we import from on a regular basis, almost double digits. So as we bring that product in, we've got to inspect it, make sure it's of the quality that we expect in America of formula and we need to upgrade our information systems, as I've already said, to make sure that as all this goes on, we can keep track of it and make sure that we're coordinated. 1:44:55 Rep. Kim Schrier (D-WA): Is there any early warning system for products like baby formula? And not just the ingredients but for formula itself or manufacturer would let you know if they're running short or anticipate a shortage? Robert Califf: First of all, let me thank you for being a pediatrician. I sometimes call the Academy of Pediatrics just for the positive vibes that you all exude as a profession. But no, there is not such a warning system. We've repeatedly asked for that authority and have not been granted it. The industry by and large has opposed it. 1:52:21 Susan Mayne: What the data show is, we can't rule in or rule out whether or not those infants, their cronobacter was caused by this plant. The data just simply can't be used to inform it. Rep. John Joyce (R-PA): But the genetic testing you did. It does not match from the plant, correct? Susan Mayne: That is correct. But what we did not have is any sampling done at the same time that the product was manufactured that was consumed by the individuals who got sick, so we didn't have that every director 2:08:57 Rep. Ann Kuster (D-NH): I know that in this part of the country, I'm in New Hampshire, we have milk banks of mother's breast milk. And I'm wondering what is the regulation by the FDA? And can we assure our constituents that breast milk from milk bank is safe and is thoroughly vetted by the FDA? Robert Califf: You're asking some very good questions. I'm gonna refer this to Dr. Mayne who probably would have the best answer. Susan Mayne: Thank you, Congresswoman. So human breast milk is regulated as a food. And so that is reassuring and they have to have proper screening protocols and things like that in place to make sure that the donors that are donating the milk, get that, that's critical for human food safety. So that's how I would respond. Thank you. 2:26:28 Robert Califf: You would think that a critical industry like this would have resilience plans, redundancy, but we don't even have legal authority right now to require that the firms have a plan for potential failures and resilience. That's something we've asked Congress for every year for a while, and we're asking for it again. So I hope that it happens this time. I'd also add that this is not unique to this industry. We are seeing this across the entire device and medical supply industry with frequent failures as exemplified by the 60 minutes show and the contrast medium problem that I talked about. We have gone to a just-in-time, large single source contracts that lead to lack of diversification in the industry and the industry has fought us tooth and nail on requiring that there be insight into their supply chains, so that the sum of all of the industries leads to the the avoidance of preemption. We'd like to be able to stress test and prevent these things from happening rather than waiting until they happen, and then scrambling. 2:58:58 Susan Mayne: What we've seen is, first the strain of the COVID 19 pandemic, then the strain of the recall, and now we've got the Russia-Ukraine conflict. And one of the things that we know is the Ukraine region is one of the world's biggest exporters of products like sunflower oil. Sunflower oil is used as an ingredient in many food products, including infant formula. And so we have been working with the manufacturers should they be unable to maintain their supply of sunflower oil, what they would replace it with and make sure that that would meet the nutritional requirements for infant formula. 3:26:28 Chris Calamari: We plan to start production at Sturgis the first week of June. We will begin with the production of EleCare, before turning to the production of other formulas and Similac. From restart, we estimate that it will take six to eight weeks before product is available on shelves. 4:28:51 Rep. Paul Tonko (D-NY): Your testimony also mentions global supply chain challenges as a factor the company has had to contend with. What, if any, steps has Gerber taken to maintain its production and distribution supply? Scott Fitz: Thank you for the question. Certainly, our industry is not immune to the global supply chain challenges brought on by the pandemic. We struggled with materials supply issues, intermittent materials supply issues, whether it be ingredients or packaging components, we struggled struggled with the material quality issues related to the pandemic, we've had transportation and logistics issues, just getting trucks and truck drivers available to move the products and supplies that we need. And we've had COVID related labor challenges and higher turnover than normal are all things that have impacted us. Through the course of the pandemic though we've we've resolved these on an ongoing basis, one at a time as they've come up. We are putting trying to put in more robust business continuity plans in place for critical components and ones that we know we will have challenges with in the future. 4:30:50 Rep. Paul Tonko (D-NY): Did you not think the FDA should be notified or at least aware of your struggle? Scott Fitz: Should FDA be aware of our struggle? Rep. Tonko: Yeah, should you have shared those concerns for supply chain? Scott Fitz: If it could help, we would certainly be willing to do that. Yes. Rep. Tonko: What should you have told us during the last year? Scott Fitz: Well, as I testified, the issues that have come up for us, we've been able to resolve. Through the last six months our in-stock rates have averaged 86%. 4:35:55 Chris Calamari: On the horizon, we see in the manufacture of infant formula agricultural oils are absolutely essential, paper is absolutely essential, the cost of fuel to supply and distribute the product is essential. So I would call out those key elements ranging from agricultural oils to the cost to deliver the product would be the biggest areas of focus. 4:41:42 Robert Cleveland: We reached out and spoke to the USDA almost immediately seeking flexibility, for example in the size format. And while that sounds small, it's very significant because what that means is the WIC consumer doesn't have to look for one particular size of product at the shelf. They can find any size of the shelf to fulfill their their benefits with and that's allowed us to continue production and step up to meet the requirements of those consumers. We've since worked with the USDA to find a number of other ways to flexibly administer the program, because really, the focus for the WIC consumer is the same as the others, making sure she has safe access to formula and doesn't have to compete with non-WIC consumers to get it. So the more sizes, the more formats, the more manufacturers that the program can support, the more likely she is to have her needs met. 4:47:35 Rep. Kim Schrier (D-WA): The baby formula industry in our country is really unique in that about 90% of the product is made right here in the United States. And the vast majority is made by your three companies [Abbott, Gerber, and Mead Johnson]. And so it should be no surprise that when something goes wrong, like what happened in Sturgis, it really rocks the whole industry and the facility in Sturgis is responsible for 40% of Abbott's formula on the market and makes up about 20% of the total formula on the market in the US, and that is really significant, especially when this year Similac has the contract with WIC. 5:10:40 Rep. Buddy Carter (R-GA): Okay, the supply chain issues, is that because some of the ingredients were coming from other countries? Chris Calamari: Representative, yes, so global supply chains are such that we have ingredients coming from global sources and that is the nature of our supply chain. 5:19:29 Rep. Diana DeGette (D-CO): Let's say my daughter, who has a six-week-old baby, called me up and said, “I need to get some formula for my baby. And my store shelves are bare.” What can we tell them between now and all of the emergency measures we put into place to start putting formula on the shelves? Who should they call? Where can they go to try to get some of this limited product right now? What's the practical suggestion? Robert Cleveland: It's very unfortunate that you have to answer that question or ask that question, but let me do my best to answer it. I think the shelves — the reality is they don't have anywhere near the product that they do. So one of the things I've often said during this crisis is it takes a village to raise a child. In this case, sometimes it's taking a village to find infant formula. So the first thing to do is work with your network of family and friends, and as they go to the stores, look for the product that's there. And I've seen many mothers and grandmothers and fathers and cousins doing this on the shelf. You can call our Consumer Response Center. Now to be fair, those folks are doing a phenomenal job of fielding waves and waves of calls. But we will help you if you call. That's one other resource. The physician's office is another. Sometimes they do have the samples that are required, and they can help transition between finding product on the shelf. And then I would be sure to look online as well as in-person at the store and be open to other formats. Many mothers and fathers have a particular type of format they like. You may need to be more flexible in the format that you use. But all infant formula regulated by the FDA is safe for your infant, whether it's a liquid or a powder or what size it's in. And so I would say shop widely. See your doctor or enroll your family friends, give us a call if you need to, and be flexible. THE INFANT FORMULA CRISIS May 25, 2022 Committee on Appropriations: Subcommittee on Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Witnesses: Ginger Carney, Director of Clinical Nutrition, St. Jude Children's Research Hospital Sarah Chamberlin, Executive Director, National PKU News Michael Gay, Owner and Manager, Food Fresh Brian Ronholm, Director of Food Policy, Consumer Reports Linkedin Clips 32:29 Michael Gay: WIC's rigid rules have made it difficult for the program to be responsive to critical shortages throughout the pandemic and now during the formula crisis. Substitutions may be easily available when situations like this arise. The emergency waivers instituted by the USDA during the pandemic have provided flexibility in some states, but those waivers were only available because of the pandemic. To prevent this issue from happening in the future, Congress should allow WIC vendors operating during severe supply shortages, disasters or public health emergencies to automatically substitute limited WIC approved products impacted by supply chain disruptions. The USDA should direct states to include product substitutions for WIC in their emergency preparedness plan. These changes would have allowed families to immediately switch to another formula in states with shortages allowing for smooth continuation of feeding infants. 33:27 Michael Gay: Secondly, there's a significant need for USDA to examine the long term effects of cost containment, competitiveness and peer grouping formulas for WIC vendors. States operate a peer group system to monitor vendor prices and determine reimbursements are cost competitive. These cost containment measures have led to reduced retail embursement and reduced retailer participation in the program, leading to fewer locations for families to access formula. 33:55 Michael Gay: WIC infant formula cost containment measures have led to extreme consolidation in the formula marketplace, leaving it highly vulnerable to supply disruptions like we are experiencing now. These contracting policies must be reviewed to ensure future food security of the nation's babies and families. 41:50 Brian Ronholm: The evidence suggests that the agency was too slow to act, failed to take this issue seriously, and was not forthcoming with information to parents and caregivers. The infant formula crisis exposed a greater structure and culture problem that has long existed FDA. This was merely one symptom of the overall problem, and it is clear that confidence in the food program at the FDA is eroding. A big reason for this is the food program has second class status within FDA, and it's resulted in serious problems. The FDA also lacks a single, full-time, fully empowered expert leader of all aspects of the food program. As you know, in recent decades, most FDA commissioners have been medical specialists who naturally focus on the programs impacting medical products. This is certainly warranted considering the impact these programs have on public health. And the pandemic is a perfect example of this. However, this usually results in intense competition for the commissioner's time and support and focus on the food program is typically what has suffered under this dynamic. It has become impossible for an FDA commissioner to possess the bandwidth to provide leadership and accountability to a set of offices that regulates 80% of our food supply. 51:45 Ginger Carney: I would want to warn parents not to make homemade formulas — the American Academy of Pediatrics warns against that — they should not dilute the formula, as both of these situations can lead to disastrous results and lead possibly to hospital admissions. 56:40 Brian Ronholm: Splitting out the food safety functions of the agency as it exists now and creating separate agencies while still remaining under the HHS umbrella would be an effective approach that would get to the issues that I think everyone has become aware of during this crisis. 59:32 Rep. Rosa DeLauro (D-CT): We now have 15 agencies at the federal level who deal with some form of food safety, the principal ones are USDA and FDA. It should be one single agency! 1:06:30 Michael Gay: In a rural area such as ours, probably 85-90% of my formula is WIC formula, which is just down to one type of formula. So even like today, for example, or my truck Monday, I got about 20 cases of Gerber formula in a different variety, but that's not approved on what and the Georgia WIC office just approved some substitutions for formulas that were, you know, prescribed by the doctor with the contract formula. So therein lies the problem is there's no easy way to substitute that for the customer. 1:23:29 Brian Ronholm: Four companies that control 90% of the market and only three of them actually bid on WIC rebate contracts. Abbott is by far the largest one and I believe they have contracts in 30 or 31 states, I think it was the latest figure. So when those contracts come up, these companies submit based on their ability to meet the demand in a particular state, and Abbott is usually the only one that's big enough to do that. We mentioned that they have a large part of the market, I think when it comes to the WIC market, they have approximately 55 to 60% of the WIC market. So that's a significant size of the market that it really needs to be examined so when situations like this hit, how does it impact that particular….And it's obviously going to have a bigger impact because these companies use the WIC market to get into the overall non-WIC market to even increase the share of their market, so that creates further shortage problems. 1:40:35 Ginger Carney: One thing that we really haven't talked about is the WHO code for marketing breast milk substitutes. And that's what these formulas are, they're breast milk substitutes. So if we look at the WHO code in other countries, other developed countries are abiding by the WHO code and this gives guidelines for how companies can market their infant formulas in a safe way. So maybe we should go back to that and think about what is it about the WHO code that would benefit all of our families in the country so that they are assured when they do have to reach for infant formula when breastfeeding cannot be an option or will not be an option? What are the things that are marketed directly to our families that tell them about the formula? 1:44:20 Rep. Debbie Wasserman Schultz (D-FL): Half of all US formula consumption goes through the WIC program, which provides free infant formula as we've been talking about today, where states negotiate bulk discounts in exchange for market exclusivity. Now, I'll take you back to 1989 when Republican President George Bush enacted legislation requiring all state WIC programs to use competitive bidding for the purchase of infant formula. In practice, this means that the state of Florida for example is required to use a single supplier for the entire state supply of WIC baby formula. The competitive bidding process has yielded $1.3 billion to $2 billion a year in savings and allowing WIC to serve about 2 million more participants annually because of the discounts. However, when there's a supply shock caused by one of the four market participants, like what happened with Abbott in this case, it creates a serious risk to infant health across the country. 1:48:00 Rep. Debbie Wasserman Schultz (D-FL): We know that in Europe, they consistently produce a baby formula surplus. But there are rigid labeling and nutritional requirements for formula containers here in the US that the FDA requires and they prohibit the sale of many European-made products, even though the formulas themselves meet FDA nutritional and purity standards. So what sort of policy changes would you like to see undertaken to ease restrictions on baby formula imports, while still ensuring that the product meets our safety standards? Brian Ronholm: Yeah, I think it's critical that we maintain those safety standards that FDA has set on infant formula, that's absolutely critical. There's a comfort level with consumers when they're able to purchase something that they know is an FDA inspected facility overseas. But to your point, sometimes these regulations, these really strict regulations are thinly disguised trade protection measures. And so you know, that's certainly an issue that we'd have to examine carefully to make sure that we can have that access. Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)
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Steve and Jomi are back to dive into the third season of Netflix's ‘Umbrella Academy.' Listen as they discuss how the show handles the transformation of Victor (15:00), and later when they give out some season awards (28:00). Hosts: Steve Ahlman and Jomi Adeniran Associate Producer: Jonathan Kermah Additional Productional Support: Arjuna Ramgopal Learn more about your ad choices. Visit podcastchoices.com/adchoices
What can an annual race featuring weiner dogs teach serious entrepreneurs and business owners about correctly predicting the outcome of any marketing campaign before spending a dime on testing the concept? Plenty. That's the bottom line of Peter Nevland's latest book, Wiener Dog Marketing: A Silly Sounding Book for Serious Business Growth. The fast read not only features lessons Peter has gleaned from teaching and attending classes at the Wizard Academy, it also maps the mind of the Wizard himself, Roy H. Williams. Peter is one of the elite Wizard of Ads partners who helps already successful businesses find their unique path to much greater success, much faster. Peter was last a guest on Monday Morning Radio a decade ago, when he discussed his evolution from an engineer to a wordsmith and word coach. This week Peter shares with host and award-winning author Dean Rotbart the secrets of sniffing out a successful marketing strategy, one short-legged, long-bodied canine at a time. Photo: Peter Nevland, Weiner Dog Marketing Posted: June 27, 2022Monday Morning Run Time: 45:10
Being viewed as a “minority” can be exhausting and frustrating, especially when you're up against a trifecta of bias.Our guest, the Fierce Female Founder Kerry Schrader, was not going to let the triple plied bounty of bias stop her from reaching her dreams as a successful founder.In 2015 Kerry teamed up with her daughter, Ashlee Ammons, and they founded Mixtroz, a tech startup that helps meeting attendees easily mix, meet and mingle with one another; all while helping the event organizer learn more about attendees based on their in-app responses to customized questions.This dynamic Mother/Daughter team went on to close a $1 million round of funding, making them the 37th and 38th Black Female Founders to ever close a $1M+ round of funding. A breast cancer survivor and a proud member of Delta Sigma Theta Sorority, Kerry has more than 25 years' experience positively impacting the human assets of large companies, including Ford, Alcoa, and Sears Holdings Corporation.To learn more about Mixtroz, please visit: https://www.mixtroz.com/Watch this fun video to learn how Mixtroz works: https://youtu.be/XE8xseZYN-EConnect with Kerry and Mixtroz via these social channels:Twitter: https://twitter.com/mixtroz and https://twitter.com/themillplusInstagram: https://www.instagram.com/mixtroz/LinkedIn: https://www.linkedin.com/company/mixtroz/ and https://www.linkedin.com/in/kerryschrader/Thank you for carving out time to improve your Founder Game - when you do better, your business will do better - cheers!Ande ♥http://andelyons.comCONNECT WITH ME ONLINE: https://andelyons.com https://twitter.com/AndeLyonshttps://www.facebook.com/StartupLifew... https://www.linkedin.com/in/andelyons/ https://www.instagram.com/ande_lyons/ https://www.pinterest.com/andelyons/ https://angel.co/andelyons TikTok: @andelyonsANDELICIOUS ANNOUNCEMENTSBlack Girl Ventures Pitch Program – Apply to pitch at https://bit.ly/bgvpitch by July 1stArlan's Academy: https://arlansacademy.com/Visible Hands Latinx Founders Fellowship: https://vhlx.visiblehands.vc/Scroobious here: https://www.scroobious.com/Think In Color: https://thnk.cc/3rDdzrBANDELICIOUS RESOURCES:JOIN STARTUP LIFE LIVE MEETUP GROUPGet an alert whenever I post a new show!https://bit.ly/StartupLifeLIVEAGORAPULSEMy favorite digital marketing dashboard is AGORAPULSE – it's the best platform to manage your social media posts and presence! Learn more here: http://www.agorapulse.com?via=ande17STARTUP DOX Do you need attorney reviewed legal documents for your startup? I'm a proud community partner of Startup Dox, a new service provided by Selvarajah Law PC which helps you draw out all the essential paperwork needed to kickstart your business in a super cost-effective way. All the legal you're looking for… only without confusion or frustration. EVERY filing and document comes with an attorney review. You will never do it alone. Visit https://www.thestartupdox.com/ and use my discount code ANDE10 to receive 10% off your order.SPONSORSHIPIf you resonate with the show's mission of amplifying diverse founder voices while serving first-time founders around the world, please reach out to me to learn more about making an impact through sponsoring the Startup Life LIVE Show! firstname.lastname@example.org.STREAMYARD OVERLAYS AND GRAPHIC DESIGNNicky Pasquierhttps://www.virtuosoassistant.co.uk/Visit Nicky's CANVA Playlist: https://www.youtube.com/playlist?list=PLhUDgDHkkma3YhOf7uy8TAbt7HdkXhSjO00:00 - Andelicious Announcements06:50 - Meet Fierce Female Founder Kerry Schrader09:00 - Mixtroz launch story - Human First, Technology Second13:00 - how Mixtroz found the ideal product development team21:00 - Mixtroz website tour32:00 - Kerry was shocked at the high-level of discrimination she faced when she raised her first round of capital35:00 - being scrappy can only work for so long - you need money, not more mentorship48:00 - how Mixtroz pivoted to virtual engagement during the pandemic50:45 - Kerry learns she has breast cancer right after they raised a family and friends round
“You have to listen to people tell their story.” Howard Berger is an Oscar winner and an Emmy winner for his work in make-up over a forty year career in Hollywood. One of his first projects was Aliens and since then had has become a fixture in special effects make-up especially in the area of […]
“You have to listen to people tell their story.” Howard Berger is an Oscar winner and an Emmy winner for his work in make-up over a forty year career in Hollywood. One of his first projects was Aliensand since then had has become a fixture in special effects make-up especially in the area of creatures and monsters. Howard won his Academy Award for The Chronicles of Narnia: the Lion, the Witch and the Wardrobe. Craig gets a chance to ask him about his prolific career as well as some inside stories into his work with Quentin Tarantino and Sam Raimi. They also talk about the role of mentorships in Hollywood. Howard gives Craig his thoughts behind serving as one of the make-up and hair stylists to the Academy of Motion Picture Arts and Sciences. FEATURING: Craig McFarland __________________________________________
Acorn and Greg enroll in Toph Beifong's Metalbending Academy! Why is Toph acting so distant? What is this earth shattering new form of earth bending? All this and more on Avatar: The Podcast! The post Toph Beifong’s Metalbending Academy appeared first on The Geek Generation.
Ari Whitten is the founder of the Energy Blueprint and author of EAT FOR ENERGY: How to Beat Fatigue, Supercharge Your Mitochondria, and Unlock All-Day Energy Help us fight censorship! Get immediate access to exclusive and censorship free content by donation or free by becoming a member here
Blossom Your Awesome Podcast Episode #57 Spirit Guided Life With Julia MarieJulia Marie is anJulia Marie is a medium, energy healer and past life regressionist, shamanic healer. She is an intuitive guide and teacher. She is the founder of the academy for the intuitive artsJulia helps people deepen their connection to spirit through her coaching and courses in spiritual and intuitive development. Her courses in intuitive development help people deepen their connection to the infinite field of intelligence. She has lead a spirit guided life and she believes there is more to this life than the eyes can see. For those who are ready to continue their journey with Spirit Julia helps people find inspiration, guidance, and healing. With more than 33 years' experience listening to the voice within, she is dedicated to helping others take the next step on their spiritual journey.Julia believes, when you are ready to deepen your connection to Spirit, there is something here for you, no matter where you are on your path.Julia Marie has received training and certifications in many areas of metaphysics, spirituality, and the healing arts, and continues to hone her skills in these areas with a focus on classes and courses that enhance her work.Education, certifications and training include:BA in Psychology and an advanced degreeUsui Reiki Master and Teacher 1989Shamanic Training from the Foundation for Shamanic StudiesCertified in Past Life Regression (Delores Cannon's QHHT Method)Certified Regressionist with the Academy for Professional Hypnosis Training (40 hours in residence) 2010Certified Medium training (2011)Certified in Projective Dream Work through MIPD (Marin Institute for Projective Dream Work) with Jeremy Taylor 2015Year-long Medium Mentorship with Mavis Pittilla 2018Trance Communication training (2004 & 2020)Specialized mediumship classes in Color, Platform Demonstration and the Communicator with Andy Byng, Colin Bates, Lisa Williams and Thomas JohnTo get in touch with Julia go to her website - https://www.juliamarie.us/aboutTo see more of my work go to Blossom Your Awesome. Or you can see some of my other work at suesblues.com Or follow me on instagram where I post fairly regularly and ask an inquisitive question or two weekly in hopes of getting you thinking about your life and going deeper with it. My Instagram - i_go_by_skd
Feeling stuck in your career? Maybe you enjoy what you're doing, but you'd like to climb faster? Perhaps you want to make a change, but you're not sure how to get there? Here's why: You've never be taught how to manage your career. It's true. School taught you a trade. On the job training taught you a trade. Have you ever taken a class or a curriculum on how to advance in your career?! If you want to learn the steps you're missing to achieve your career goals and the practices you can implement to accomplish your career aspirations, check out today's episode! If you'd like to build a great career and lead a rewarding life, check out some of these other places where I share my teachings: 1. Check out the milewalk Academy, my coaching and training site, for freemiums and premiums. 2. I have hundreds of educational and inspirational videos on my YouTube Channel. 3. Grab any of my three books related to interviewing, hiring, and goal setting. All can be found on my Amazon Author Page. 4. Follow me on Instagram, LinkedIn, and Twitter. 5. Stay in touch with me in your email inbox by joining my newsletter here! --Andy
About this episode In this week's question dissection, Swati and Dr. Maxwell Cooper review the case of a 56 year old male who is currently receiving treatment for lung cancer who presents to the ED with worsening shortness of breath. A chest x-ray reveals a known left lower lobe mass and a new large left pleural effusion. Links for this episode DaVinci Academy on YouTube DaVinci Academy website - Discount code ITB20 for 20% off at checkout! #DaVinciCases on Spotify #DaVinciCases on Apple Podcasts The DaVinci Hour on Spotify The DaVinci Hour on Apple Podcasts ITB Tutoring Study on the go for free! Download the Audio QBank by InsideTheBoards for free on iOS or Android. If you want to upgrade, you can save money on a premium subscription by customizing your plan until your test date on our website! All of our podcasts: The InsideTheBoards Podcast The InsideTheBoards Study Smarter Podcast Crush Step 1 Step 2 Secrets Physiology by Physeo Step 1 Success Stories Beyond the Pearls The Dr. Raj Podcast The Health Beat Produced by Ars Longa Media To learn more about us and this podcast, visit arslonga.media. You can leave feedback or suggestions at arslonga.media/contact or by emailing email@example.com. Produced by: Christopher Breitigan and Erin McCue. Executive Producer: Patrick C. Beeman, MD Legal Stuff InsideTheBoards is not affiliated with the NBME, USMLE, COMLEX, or any professional licensing body. InsideTheBoards and its partners fully adhere to the policies on irregular conduct outlined by the aforementioned credentialing bodies. The information presented in this podcast is intended for educational purposes only and should not be construed as professional or medical advice. Learn more about your ad choices. Visit megaphone.fm/adchoices
On today's episode Deborah shares how the stress and overwhelm of dealing with a crisis can impact the work-life balance of leaders and the key questions you can ask to mitigate a crisis before it happens. Listen in as Deborah shares her own story leading through challenging times and how to stand out as a leader worth following in times of difficulty. Create a personal career strategy that develops the leadership and communication skills you need to assess challenges, showcase your skills, and demonstrate your ability to be a C-Suite Leader. Learn more about the C-Suite Academy here: https://bit.ly/csawaitlist22 See omnystudio.com/listener for privacy information.
Mark Kyungsoo Bias speaks to managing editor Emily Everett about his poem “Adoption Day,” which appears in The Common's new spring issue. Mark talks about the inspiration and process behind the poem, which looks at issues like memory, immigration, and racism in post-9/11 America, all through the lens of a family experience. Mark also discusses his approach to language, sound, line breaks, and more, and the methods and techniques he's found helpful in revising poetry. He reads two additional poems published in The Common: “Meeting My Mother” and “Visitor.” Mark Kyungsoo Bias is the recipient of the 2022 Joseph Langland Prize from the Academy of American Poets and the 2020 William Matthews Poetry Prize. A semi-finalist for the 92Y Discovery Prize, he has been offered support from Bread Loaf, Kundiman, and Tin House. He is a recent graduate of the MFA program at the University of Massachusetts Amherst and has work published or forthcoming in The Adroit Journal, Best New Poets, The Common, PANK, Poets.org, and Washington Square Review, among other journals. Read Mark's poems in The Common at thecommononline.org/tag/mark-kyungsoo-bias/ Read more from Mark at markkyungsoobias.com, or follow him on Twitter at @mk_bias. The Common is a print and online literary magazine publishing stories, essays, and poems that deepen our collective sense of place. On our podcast and in our pages, The Common features established and emerging writers from around the world. Read more and subscribe to the magazine at thecommononline.org, and follow us on Twitter @CommonMag. Emily Everett is managing editor of the magazine and host of the podcast. Her debut novel is forthcoming from Putnam Books. Her stories appear in the Kenyon Review, Electric Literature, Tin House Online, and Mississippi Review. She is a 2022 Massachusetts Cultural Council Fellow. Say hello on Twitter @Public_Emily. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
Marifer Sager leads the Language Access Services Department at Portland Public Schools. She believes that language access/justice are key components to racial equity and that the strategic use of language can reshape the narratives of traditionally marginalized groups and ultimately transform systems. Her expertise includes the implementation of multilingual communications, outreach and engagement practices aimed at developing trust and fostering dialogue/cooperation among linguistically diverse communities and institutions. Marifer holds a law degree and a post-graduate certificate in Public Administration from Mexico. She is the recipient of the 2021 Language Access Visionary Award, a national recognition to outstanding dedication, profound work, and impact in the area of language access in a school district issued by the National Association of Educational Translators and Interpreters of Spoken Languages. Marifer is a 2022 EdWeek's Leader to Learn From in K-12 recognized for her Leadership in Equity & Inclusion, and Language Access.Join the conversation!Only on the podcast that brings you your stories about our profession. Brand the Interpreter!--------------------------------------------Connect with Mireya Pérez, Hostwww.brandtheinterpreter.comFacebookTwitterLinkedInInstagram-----------------------------------------------Connect with Marifer SagerLinkedIn - linkedin.com/in/marifer-sager Multilingual PPS Family website: https://ppsfamilysupports.com/Twitter: MariferSagerEdWeek's article: Using the Power of Language to Serve Student's and Families ----------------------------------------------SPONSOR INFORMATIONThank you to Liberty Language Services for sponsoring this episode!To learn more about Liberty Language Services, please visit: https://www.libertylanguageservices.com/To learn more about the Academy of Interpretation, go to: https://www.academyofinterpretation.com/ For a limited time only, you can get $10% off all courses when you sign up using the Brand the Interpreter's discount code, AOI10BTI. Visit the Academy of Interpretation on social media:LinkedInFacebookInstagramTwitter
In this episode I'm joined by Charles Watts from Goal to discuss the latest transfer stories regarding Arsenal, including the arrival of Fabio Vieira and how the club managed to keep the story so quiet despite working on it for a long time. We also chat about links to Leeds winger Raphina, as Mikel Arteta looks to bolster his attack this summer, as well as Ajax defender Lisandro Martinez. Then we turn our attention to the outgoing business we need to do, with a litany of names with little future in North London but as yet no alternative destination, the difficulties of selling, the importance of the Academy as a revenue sources and lots more.Follow Charles @charles_wattsGet extra bonus content and help support Arseblog by becoming an Arseblog Member on Patreon: https://www.patreon.com/arseblog See acast.com/privacy for privacy and opt-out information.
David Friedman has more than 15 years of experience starting and leading technology companies in the real estate industry. In 2018, he co-founded Knox Financial, which offers a smart and frictionless way to turn a home into an investment property, manage that investment property, and secure the appropriate financing for a new home. Prior to Knox, Dave founded Boston Logic, and served as the company's CEO for more than a decade. At Boston Logic, he led the company in becoming a leading provider of real estate brokerage software. David sold Boston Logic in 2016 and continues to sit on the board. Today, David shares how his company facilitates the converting a primary residence into a cash-flowing rental property while allowing you to tap into your equity to purchase a new property. Episode Link: https://knoxfinancial.com/ --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals. Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum, and today I'm joined by David Friedman, who is the co-founder and CEO of Knox Financial, and David's going to be talking to us today about anyone who's considering moving out of their primary and converting it into a rental, all the things you need to be aware of, and some of the revolutionary products that Knox financial is putting out to help assist with that process. So let's get into it. Really quickly, everyone, before we get in today's episode, I wanted to give a shout out to the Roofstock Academy, and encourage everyone to come check us out at roofstockacademy.com. It is a one stop shop for Investor education. Whether you're just getting started or you're scaling up a crazy big portfolio, we probably got something for you. The Academy consists of both automated lectures, access to private slack forums and dedicated one on one coaching sessions, depending on which program you opt to leverage, come check us out roofstockacademy.com. We look forward to seeing you in there. David, welcome to the show me and thanks so much for taking the time to come on and hang out with me, I appreciate it. David: It's a pleasure to be here, thanks. Michael: Oh, of course, so I know a little bit about your background. I know a little bit about your company. But for those of our listeners who are just joining us and maybe don't know the name, David Friedman, can you give them a little bit of background, who you are, where you come from, and what is it you're doing in real estate today? David: Sure, so my name is David Friedman. I'm originally from New York, where I live in the Boston area, I am the father of three kids, the husband of one woman. Michael: Important to clarify… David: That's the picture I got, buddy… wasn't worried wondering, I'm a skier. I'm a cyclist, I like to hike. I like it when I swim in a natural body of water as often as possible. Other than that, what am I doing today? So I'm a CEO, and one of the founders here at Knox financial, and we are trying to change how homeowners build wealth. When you move, you have the best investing opportunity of a lifetime, which is to keep that home as a long term investment and we've built Knox around making that investment opportunity possible for millions of families. Michael: David, that's awesome and it's funny because it's something we talk a lot about at the Roofstock Academy about how so many landlords became like accidental landlords. So tell us a little bit about a why you think it is so advantageous for folks to keep the rental property to keep their primary home as a rental property and what is Knox doing to help facilitate that transition from? David: Sure, so it's not why we think we're a data company, the data just tells you the story. So when before we launched Knox, I lived a life experience and then I will, I'll tell you the experience, I'll tell you that the data supports that. I'm like, in the majority, I'm just a normal dude, which is. So when I got engaged my wife who I mentioned earlier… Michael: Just the one wife… David: Just one, and it wasn't random, like we didn't just like you know, I didn't arrive in the mail, right, like, like we dated and stuff. So we get engaged one day, again, wasn't random and we realized we have too much stuff to fit in her place or my place, we need to buy a bigger place. So we go and do that and I go to put my 20s bachelor pad on the market for sale and I think to myself, this is the worst decision I've ever made. What am I doing? Why am I selling the best investment I've ever had. So just the math, I put down $100,000 When I bought that property, and I was going to turn that $100,000.10 years later into $350,000 when I sold it that I'd never ever in my life made that much money on any investment and I know that as the south end of Boston, which is a downtown neighborhood if you're not familiar with the City of Austin, and I knew the value is going to keep going up I am going to turn this into a an investment property I'm to keep it as a rental and at the time I was building another software company that made software for real estate brokerages and I thought I know enough people who do this professionally I can figure this out, I can turn this home into a rental and I thought about all the things that have to do and it gave me a headache can pass every five and I need new insurance. That's fine a renter probably need to open up a new bank account and probably a credit card to make sure my expenses are really like walled off from like, like, you know, take my wife out to dinner. All that stuff as like alright, screw it and I sold it. So four years later, that same property sold again the new owners only held it for four years and they sold it for another $200,000 more than I had sold to them for. And I saw this because Zillow sent me this evil email about it and when I saw that I was like, oh my gosh, Somebody sold $200,000. To me, I was gonna keep that property as an investment. What the heck did I do here and I'm a kind of guy who likes to make fun of myself and I told all my friends that I made this huge investing mistake and they all said, same exact thing happen to me, I am new to them. I own this home in Seattle, I don't own this in Brooklyn. I lived in DC, I lived in Houston and everybody said, yeah, every time I searched that home on Zillow, I get depressed and I said, this is exactly this is my life. So I'm a data nerd. So we pulled the data and we learned two things in the data. First of all, this is true. For the vast majority of homes in America. If you look back, we look back 10, 20, 30 years, 40 years, took the average home in America and you index into Case Shiller and you can't look back much further than that, because Case Shiller didn't exist. Case, Shiller had to invent it chipchase actually was down the road here in Wellesley, the guy. You look at the data, and every the vast majority of homes in America, when people move out of them, they keep them as long term investments, not only are they great investments, they vastly outperform public markets. Alright, so you index that home with some very, I shouldn't say vary with some conservative leverage, right? So the nice thing about real estate is that the latter allows the average person to get a levered return, which you can't get the public markets. So when you index that home with some mortgage on it, not a crazy mortgage to some mortgage on it, too and the performance of that principle, to that same principle invested in the public markets, the real estate, absolutely clobbers, the public market. So that moment when you move, these people have this opportunity, we figured out to have own a better investment than then the alternative they could do with their down payment overseas with the principal there and then the next question is, do they have the money for the down payment? The next step is this transaction possible and the data shows once again that the vast majority of families in that home upgrade when they moved from, say, the first or second home they've ever owned into it, their second or third primary residence? Do you have more than enough equity and or savings to make the down payment on their new home and not sell the home, everything, so it's so long way of answering your question, I don't think this is this is a great investment. The data says this is a fantastic investment and we're in the business of showing people how it's done and making it possible for them and we've created some lending products around it and a whole bunch of other services, so that's how we do it. Michael: That's awesome. So getting back to what you said a moment ago, and talking about your own personal story, you were saying that in order to convert, if you wanted to keep your initial place as a rental, you would have had to refinance, get new insurance, yada, yada, yada, was the purpose of the refinance to grab that equity for the new down payment because you didn't have that savings in cash… David: For a lot of people… So I was in a very lucky position, I just created a new family with my fiancé soon wife, and we pooled resources and had enough to make the down payment without having to sell or refi, the old home. But the other thing is, I had actually lived at home for a while I bought it my 20s, I lived in it for a decade, if you look at the holding patterns of people who buy homes in their 20s, that's actually a pretty long hold and when you, when you when you hold the home for that long, it's very common for people to have an awful lot of equity, but also that their financial position has changed, right? So that marriage to my wife is a common change in financial position, the amount of w two in the household with, you know, more than doubled, because my wife, my wife's a successful woman, but also like we can combine our savings. She at one point in Oklahoma prior to meeting before we met, she didn't anymore, she'd sold that so she had a down payment. So there's all sorts of reasons why one's financial position might change. But there's, the longer you're holding that home that you're living in, the more likely you are to have plenty of equity in that in that property that you can tap… Michael: Makes total sense and how do you chat with people around because I know you said in the vast majority of instances it like it makes sense for people assuming they have the down payment, like keeping the home as a rental or as a long term investment. What about everyone out there that says, you know what, David, my monthly mortgage is five grand a month I use 20% down and my home is only gonna rent for 3500 am I going to be in the hole 1500 bucks a month, like how does that make sense? David: That doesn't make sense. So, so we walk people through this math all the time we build proprietary investment analysis software. If you have a $5,000 a month mortgage, and then you got to pay taxes, insurance maintenance, you know, allowance for vacancy all that on top of that, and you're only going to make $3,500 a month in rent, we would not recommend you put that home on our platform. There are, I would say, some edge cases like some people are looking for tax advantages and some people are looking for. There's markets like, I can look at the Austin market or let's take Tampa set the curve for the fastest growing market last its 12 month and a 12 month look back. In the last year, prices are going up 30% a year. So if you're losing 1500 bucks a month, over 12 months, that's 18 grand if the home went up in value 100 grand in that year, that's not a bad trade off. The question is, can you shoulder that or one things we do is we offer a sort of specialized flavor of a home equity line of credit, where you can actually tap the home's equity over time to cover that negative cash flow. So this is part of the alchemy we do with people is can we make this property not impact your day to day spending habits or your quality of life while keeping it and realizing the benefits of owning that property. If it was net negative cash flow by that much might not work. That's a pretty rare scenario, though. If you have a $5,000 month mortgage and $3,500 in income potential, there's something weird going on in that local market, we rarely see misalignment that numbers that large effect, it's usually the other way around, just that we see $3,500 a month and carrying costs and $5,000 a month in rent projected. That's a that's a pretty standard scenario on our platform. Michael: Love it, so talk to us a little bit about what the platform does and how it all works. David: Sure, so you put your you set up your home for the platform and first of all, we package everything into one simple success fee. So we don't charge you for a place a tenant, we don't charge you to collect rent, we don't charge you for renewals, we would charge you for legal, none of that. Before it comes on the platform I should have mentioned we're going to help you tap that equity, so we might be writing what we call a keep loan, so that's a that's our own lending product that helps you tap the equity in your home in a flexible way. It's kind of like a HELOC but you know, if you sign a HELOC, before you move out and you move out, you're technically violating the paperwork you just signed. So we've got sort of like a HELOC. That will you don't mind if you move out or even if you have already moved out. So we can give you a second lien flexible line of credit against the property you're no longer living in, which is a hard product to find, so we can get some of that equity, it turned into the down payment on the new home, use it for prep work, or just keep it for writing up the ups and downs of cash flow, that's fine and then we're going to turn that property into a passive investment. So we're going to put a tenant in there, collect the rent on your behalf into your account in our system, pay out your expenses and if the tenant has a problem, they're gonna call us and we're going to deal with it. So we're basically doing the financial side of things, the welfare, the finding the right insurance, that's important. So risk mitigation is incredibly important. Our insurance team is going to find you the right policy, because the policy had when you live in it, they'll work no more. That's a homeowner's policy, you know, landlords policy, and, you know, the KNOX Insurance Services Division of our company is going to put that in place. Michael: And so what is that all cost someone because I mean, it's like what you said that you don't charge for rent collection? I mean, you don't charge that, like, it's mind boggling, because that doesn't exist anywhere on the marketplace anyone who invested in a property will tell you the same. So what do you charge it, it's got to be something… David: We work on… Yeah, we've worked on a success fee, it's 10% of rent that actually passes through our system. So it's kind of like a payments model. It's kind of like working with stripe, where like some percentage of the payments that go through stripe, they keep we do the same thing. So we collect $1 of rent, we keep a dime and then in full disclosure, we make our money off of the market for the financial products that we do. So like our loans are bought by third parties, and they pay us for that our landlord policy is our we're representing larger carriers, we're not an insurance carrier. So representing, say, travelers or somebody like that, they pay us for that, just like they would pay any insurance broker and then also some of our clients are actually decent percentage of them work with our lending team to not only tap the equity in the home they're moving out of but also find the mortgage for the home they're moving into. So that's another way that we make money. So we make money as an insurance brokerage, selling or brokering normal mortgage transactions. Michael: I love it, David, this is so cool like anyone who's watching this and see me like getting giddy smiling ear to ear. So question for you. Do you only work with folks that have moved out of their primary residence or do you have a market for just your traditional landlord that owns property that wants to utilize your services? David: So we do work with traditional landlords. We're kind of picky on it, to be honest. So your home actually has to pass an inspection by us as a virtual inspection. So you'd have to like you know, open up your door, but you'd have to walk us around and we're going to need to take a look at the foundation and we're going to need to take a look at the major appliances and system. So we are careful about which homes we actually accept in our platform because we find that a lot have traditional rental units are? Well, they're expensive, they're expensive to operate and we would generally not recommend that our clients keep those units as long term investments. So we look at them and tell our clients very honestly, this is a good investment or it's not and if it's not right now, we try to advise them on what investments need to be made in order to turn that home into a good long term property investment. So actually happy to talk to any landlords out there who are like, oh, I like what Knox is doing and I want to tap my equity and all that good stuff. Just be aware that we, we don't, you can't just sign up any home to the KNOX platform. It's not Airbnb, for example, you can't just come along and put a home up there. Michael: Got it, got it. Okay, well, I mean, in your experience, what are some of those things that you have seen or advise folks against in terms of what makes a great rental property? If someone's listening to this? It's like, oh, man, I totally want to sign up. What are some things that they should be aware of that they can do practically? David: Oh, gosh, the first thing I would say is deferred maintenance. You know, we're not big fans of deferring maintenance way out into the future, you know, invest in the property now make it livable, it'll get better rent, you'll be happier. As an owner, fewer surprises. Yeah, that's absolutely bullet number one. The next thing is, I should have started this health and safety, just like, you know, we will absolutely get will actually take properties and incident off our platform. If the owner won't authorize a repair that we think impacts health and safety. That's just not a that's a, there's no, there's no exception to that for us. The next is, yeah, so if you've got like, really old floors, like smudged walls, cracked windows, things like that, you know, definitely better off doing that as soon as possible and ahead of time, and certainly, as they come up. You know, we have a client who said, you know, I bought this property 15 years ago, that time, they told me, I needed a new roof, they were wrong, I've patched it five times it works out, we're like, no, we're gonna, that's that's just… Michael: It does doesn't work… David: I know, you know, I know you've had this, this is lucky experience with all the patching, you've been dumped. That's not how we would want to run things, it's really what's gonna happen is one day, the people in the top unit, that building, you're gonna go on vacation, and they're gonna come back, and there's going to be like, you know, $100,000 of damage to the building and you've, you've just been lucky, you've been on the, you know, the edge case here. So that's, that's deferred maintenance is obviously number one. The next thing is, if it is a landlord own property, who are the tenants and what have you done, to make them happy? Sometimes they're just unhappy, like, the tenants are unhappy with what's gone on and not only that, the property, what we find all the time, we inherited properties from landlords who've been self-managing the property is that they, the tenants are underpaid and rent, the tenants know it too and then you go in there and say, okay, we're going to turn this into a performing asset for you and the tenants sort of balk at the, the rate that they should be paying and so we try to like the market, oh, you're just totally unaware of what market rent is and the major mistake that's made by so many, so many owners is they become friends with their tenants and, you know, let's be honest, money is a touchy subject for most of us. So going in there and saying, yeah, I know, you've been living in this piece of property they own and I think there's sort of a parental aspect to being a landlord, like you're putting a shelter over somebody's head, you're responsible for that shelter. So it's kind of a, you know, a little bit of a parental role you're playing and they have to go in and ask them for more money. So you're touching on these two touchy, touchy subjects? So yeah, we look at these portfolios like a deferred maintenance. You you've had tenants in there a long time. They're not paying market rent. Oh, when they're month to month on their leases. Oh, yeah. You signed a lease originally a long time ago, but now you haven't raised rent and the lease is like totally lapsed and now we want to go put those tenants through, like, hey, we're going to make this official we're going to put you to market rent. Oh, but by the way, we've got the owner refusing to upgrade the place and make it nicer. We avoid those situations we actively avoid them. Michael: That sounds like a losing recipe. David: Yeah. You look at the let's look at the exact opposite institutional owners, right. So you look at the guys like tricone or pick your favorite. The first thing they do is go in and renovate almost every single unit and they also they standardize them. The other thing I could go on nothing that landlords do is they, you know, they, when they get in, they try to find like cheap units and all those guys, the big institutions are actually looking for premium units they want. They want families that move in, and, and stay and plant roots and send their kids to school and care about the property. Because they get to know the neighbors and they want to plant the flower bed, you know that that's the tenant that they're going for. Versus Hey, how can I, I want to own eight units that are all, you know, half the price, the average in the market and turnover every other year, right, yeah. Michael: It's yeah, it's a totally different investment thesis overall. David: Totally. Michael: Yeah, David, so if someone is right, on this transition point, what makes Knox a better alternative to just a local property manager? Why would someone reach out to you? David: Yeah, so we use local property managers to be clear. So we don't actually employ actually, we have one guy on w two, who like, you know, carries a hammer route. So the vast majority of what we do is local maintenance. Right, you know, we operate in seven states, like there's no, there's no way well, it's not No way. But like, we did not have all those people on our staff. So you know, with us, as far as that goes, like, we are using local people, and there is actually no difference between us and the political person to swing a hammer drive in this group. When you look at all the pieces it takes to make this investment work. Knox is providing it all under one roof in a way that aligns our incentives with the owners, and we're actually putting risk behind it. So we're actually putting our own risk on the table along with yours, in that, for example, with the lending. So we're making it possible for you to access your equity to make the investment work and we're also doing you know, find the insurance. We're doing the bookkeeping, making sure you're deducting things on your taxes properly. I think a lot of not so, a there's a vast difference. Michael: It sure sounds like it. So what states do you all operate in? David: Massachusetts, Georgia, Texas, with three major cities in Texas, actually and then Florida and Arizona. Love it and I should say Massachusetts, we also I forgot to the Boston Market also includes Southern New Hampshire and all of Rhode Island. Michael: Okay, okay, perfect. When are you coming to California? David: That's a great question. It's on our list, I'll tell you it's we actually, to be honest, expand by Metro. So when we, when we expand into Texas, we did you know, to three cities of Dallas, Houston and Austin, and then with Austin, San Antonio is basically a first cousin market. So we do San Antonio as well, sort of considered that the whole the same media market. So California would be like, hey, let's pick a city in California. That's expanded to there but as we do it, we're gonna get the licensure for real estate insurance and lending in the state and then we'd probably go from, let's just say we started with, yeah, LA, we then do San Diego, and then the Bay Area, and Sacramento and the major markets California Michael: Love it. Well, I know you'll have a waiting list. Whenever you ultimately do get out here, my name will be right there on it. David: Appreciate it. Michael: No, of course, that's awesome. So for all the folks out there that can't take advantage of Knox. What are some things that they can be doing looking out for as they're looking to make this transition or considering the transition? Do they have to go piecemeal it together for themselves or are there other Knox like folks out there that you could recommend? David: No, you have to piecemeal it that's like the big part of it is what we are doing is putting a lot of this under one roof and then the lending is sort of our unique sauce, because it is a loan that you can't really get elsewhere where you can't get elsewhere. What are some things they should look out for, you know, I own several pieces of investment property myself, only one of them did not have to make some cash investments in in the first year or two. So the first thing I always tell people is just be aware, there's like a period of turning that property into an investment. Even if you've lived in it. Somebody else is gonna move in your property and they're gonna they're gonna use the space in a different way and they're going to discover things that are not up to 100% and they're going to call us and say hey, this is an outlet that doesn't work and one outlet that didn't work well was behind the bed when you were living there. Now there. It's where their desk is where they're working from home, right so be prepared for some upfront maintenance costs that is totally to be expected and tenants often You will just pick up the phone or you know, go on online and say, hey, this is broken, expect it to be fixed. Whereas you when you were living in the house might have just lived with the, you know, that problem, whatever it was for a while and said, I'll deal with it later, just expect that there's going to be a few things that are going to happen, things will come along. Yeah, it's very normal for a property be cash flowing less in years one and two than it is down the road. That's the that's the one surprise that I try to make people aware of ahead of time. Michael: That's a great, a great tip. Something that I heard is, is kind of a good way to go about it too, is to actually go pay for like a home inspection as you would when you're selling or buying a piece of property as you're moving out to just see, hey, what are the issues that are going to be found, because like you mentioned, you're not going to notice the outlet that's not working behind the bed, to the inspector, that's what they're looking for. David: Oh, man, if an inspector actually tested every outlet in the house, that would be one heck of an inspector. So here's what I'll say. So we do this, this video in intake of a home. So we actually collect 200 points of data, we get everything down to the year making model of your dishwasher. So what I recommend doing, if you're doing this on your own is really go and look at all of the major things in your home and there aren't that many, right. So every major appliance, every major system, the roof, the foundation, you know, a dozen things, right? Fridge, dishwasher, hot water, heater H back, things like that and just look at when they're hot, close, they are the end of their useful life, right roof last 25 years founded, I mean, the foundation and look, there's no cracks are probably good hot water heater decades and just on a piece of paper and a spreadsheet, just put the name of everything the model number, and when the warranty runs out, or when it should expire, right, and you'll just get an idea of what is coming down the road and don't be afraid of that because remember, it really you're investing in this for the long haul, you're investing in it because you think the home is going to keep going up in value every single year or over a long period of time, it's highly, highly likely to continue to go up in value and because the rents gonna keep going up what your costs are fixed inflation, hedges, all those good reasons, don't be afraid of it, just be aware that those things are gonna happen and say, okay, I'm actually expecting in the next five years, this extra $12,000 in expenses and just put at the back of your mind set. Okay, here we go. Done and if you're really good, an ear market and say, okay, I'm gonna have the hot water heater replaced and nine and a half years instead of 10 and I'm not going to wait for it to like, spring a hole and have water over the basement. That would be that would be the plan I would I would make. The last thing I would say is really I would say is if you're doing this on your own, be really careful about your tenants. You know, do the background checks, don't just trust your instinct. Look at what their employment is not just how much they make, what do they do for a living. There's a big difference between having people who have non steady employment versus I don't know, a police officer who's in the union has incredibly steady and flip employment. So don't rush into the tenant selection. It's a little bit of work but again, if you're doing it yourself, set yourself up for the long haul pick somebody who you think's gonna be around a while, who has very steady employment next year when you raise the rent three, five in this market seven 10% they're going to be able to afford it because they're gonna get a they're gonna get raised. Michael: Yeah, no, that's such a good point. I was just on a podcast this morning and someone asked me like what the biggest mistake was and I said exactly that rushing intended decisions, because you're like, oh, crap, I gotta get these expenses paid for with the rent, and you can end up in painting yourself into a corner very easily. David: Yeah. Sometimes our team will tell an owner, hey, I have an application, I can show it to you. I don't think you want to take it. Now, this does mean that I don't have I don't have a backup for you today but you know, waiting another 15-30 days it could be to for somebody else better is a recommendation and here's why and we have that conversation with the customer and say the owner and hopefully they are … got along, yeah. Michael: No, that's great. That's great, David, one final question for you. Okay, so two final questions for you ones like information. One was a real question. What are your thoughts on Home Warranty? David: What are my thoughts on Home Warranty, that's a great question. We hear more complaints than we hear praise is my answer to that. I never bought one myself and right and all that said, we have considered offering one that we create. So that is, you know, I like it. I like the concept of a home warranty. I think the execution for most of the major home warranty companies as anecdotally has been is… Michael: …less than… David: …doesn't live up less than thank you. Michael: Yeah, perfect. David are people that want to learn more about you reach out find out more about Knox, where can they do that? David: https://knoxfinancial.com/ Michael: Easy enough. Well, David, thank you so much for taking the time. I really appreciate you coming on and can't wait to see you out in California, man. David: Pleasure, thanks. Appreciate your time, Michael! Michael: You got it, take care… All right, everyone. That was our episode a big thank you to David for coming on. Super, super, super, super cool stuff. After we finished recording he and I were chatting a little bit more about some of the products that he's working on and there is a lot more to come. So stay tuned, of you are thinking about moving out of your primary or selling it definitely consider keeping it as a rental and potentially Knox financial might be able to help you out with that. As always, thanks so much for watching, and we look forward to seeing on the next one. Happy investing…
This is June 19th's sermon by Chris Wiley on Ecclesiastes 7. Chris has been happily married for over 30 years and he has three grown children. He resides in the state of Washington. He has written for Touchstone Magazine, Modern Reformation, Sacred Architecture, The Imaginative Conservative, Front Porch Republic, National Review Online, and First Things, among others. His most recent book is, In the House of Tom Bombadil (2021). He is also the author of, The Household and the War for the Cosmos published by Canon Press (2019). His short fiction has appeared in The Mythic Circle (published by the Mythopoeic Society) and elsewhere, and the first book in his young adult fantasy series, The Purloined Boy was published by Canonball Books (2017). He is a board member of the Academy of Philosophy and Letters, as well as New Saint Andrews College. Trinity Reformed Church is a CREC church in Huntsville, AL. seeking to extend and unite the Kingdom in the Huntsville area. Check out our website, Facebook or YouTube!
This is June 19th's Sunday school by Chris Wiley, continuing our series on eschatology. Chris has been happily married for over 30 years and he has three grown children. He resides in the state of Washington. He has written for Touchstone Magazine, Modern Reformation, Sacred Architecture, The Imaginative Conservative, Front Porch Republic, National Review Online, and First Things, among others. His most recent book is, In the House of Tom Bombadil (2021). He is also the author of, The Household and the War for the Cosmos published by Canon Press (2019). His short fiction has appeared in The Mythic Circle (published by the Mythopoeic Society) and elsewhere, and the first book in his young adult fantasy series, The Purloined Boy was published by Canonball Books (2017). He is a board member of the Academy of Philosophy and Letters, as well as New Saint Andrews College. Trinity Reformed Church is a CREC church in Huntsville, AL. seeking to extend and unite the Kingdom in the Huntsville area. Check out our website, Facebook or YouTube!
Flake sits down with Alex from Fabled Academy to talk about their adventures at the various Flesh & Blood events, documenting events and videography style. - Support ISP directly on Patreon: https://www.patreon.com/instantspeedpod - TCGPlayer Legendary Dragon Collection: https://bit.ly/3xWefgy - TCGPlayer Uprising Main Set: https://bit.ly/3QuVOXq - Get 10% Off Your Order at BCW Supplies with code ISP10 at checkout! Follow the link here: https://www.bcwsupplies.com/?acc=InstantSpeed - FABDB.net - Your source for Flesh and Blood decks and training. Visit https://fabdb.net/
Have you always wanted your kids to take piano lessons, but you weren't sure how you could afford it? Maybe you've heard of Hoffman Academy and wanted to learn more. Listen in on this episode with Hoffman Academy founder, Mr. Joseph Hoffman, as we discuss the value of music education for your homeschool. Show notes are at 4onemore.com/167 --- Support this podcast: https://anchor.fm/homeschoolwithmoxie/support
Dr. Angie Fearon (e-mail, Google Scholar, Twitter) of the University of Canberra is interviewed by Dhinu Jayaseelan regarding a publication from BMC Musculoskeletal Disorders titled, “The natural history of greater trochanteric pain syndrome: an 11-year follow-up study.” This episode contains information that will be interesting for practitioners who want to improve their understanding of an understudied but ever-present diagnosis associated with clinical orthopaedics. Additionally, to find the LEAP study mentioned during the interview about exercise and education for GTPS use this link (Mellor et al 2018). Dr. Fearon also recommends checking out Ganderton et al 2017 (Title: Gluteal Loading Versus Sham Exercises to Improve Pain and Dysfunction in Postmenopausal Women with Greater Trochanteric Pain Syndrome: A Randomized Controlled Trial).Find out more about the American Academy of Orthopaedic Manual Physical Therapists at the following links:Academy website: www.aaompt.orgTwitter: @AAOMPTFacebook: https://www.facebook.com/aaompt/Instagram: https://www.instagram.com/officialaaompt/?hl=enPodcast e-mail: firstname.lastname@example.orgPodcast website: https://aaomptpodcast.simplecast.fm
This week on 3rd Degree the Podcast, the hot topic is the stinker of a game FCD dropped against Vancouver. But won't worry! Your hosts - Peter Welpton, Dan Crooke, and Buzz Carrick - are brave enough to dive right into that pile of poo. Plus it's a look ahead to Austin FC and a little Academy talk. All that and more on 3rd Degree the Podcast. 3rd Degree the Podcast is brought to you by Soccer90.com. 20% Off Sitewide for All 3rd Degree Podcast listeners with Promo Code 3RDDEGREE on Soccer90.com.Music by Pappy Check!
For more details, visit the #DrGPCR Podcast Episode #79 page http://www.drgpcr.com/episode-79-with-graeme-milligan/ ------------------------------------------- About Dr. Graeme Milligan Professor Graeme Milligan is Gardiner Professor of Biochemistry, Dean of Research, and Deputy Head of the College of Medical, Veterinary, and Life Sciences at the University of Glasgow. His main research group centers on the function, structure, and regulation of G protein-coupled receptors (GPCRs) and their interacting proteins. His experience also includes translating knowledge generated into the selection of targets, screening, and identification of small molecule regulators of these proteins, and progressing such ligands in drug development programs. Prof. Milligan has published more than 550 peer-reviewed articles and his research has been cited more than 35,000 times. He was elected to the Fellowship of the Royal Society of Edinburgh in 1998 and to the Fellowship of the Academy of Medical Sciences in 2016. Prof. Milligan is the co-founder of both Caldan Therapeutics (2015) which discovers novel therapeutics for metabolic diseases including Type 2 Diabetes and other indications including non-alcoholic steatohepatitis (NASH) and inflammatory diseases and Keltic Pharma Therapeutics (2020) which is developing new treatments for malaria. Dr. Graeme Milligan on the web University of Glasgow ResearchGate PubMed Orcid Google Scholar LinkedIn ------------------------------------------- Become a #DrGPCR Ecosystem Member ------------------------------------------- Imagine a world in which the vast majority of us are healthy. The #DrGPCR Ecosystem is all about dynamic interactions between us who are working towards exploiting the druggability of #GPCR's. We aspire to provide opportunities to connect, share, form trusting partnerships, grow, and thrive together. To build our #GPCR Ecosystem, we created various enabling outlets. Individuals Organizations ------------------------------------------- Are you a #GPCR professional? Subscribe to #DrGPCR Monthly Newsletter Listen and subscribe to #DrGPCR Podcasts Listen and watch GPCR focused scientific talks at #VirtualCafe
Self-care may be the key to a long career. But thinking critically about how we self-care offers us an entire career. A closer look at the hamstrings reveals how critical thinking can change how we work, how we think about our work, and how we can help our clients find their own ability to heal. Host: Contact Allison Denney: email@example.com Allison's website: www.rebelmassage.com Allison Denney is a certified massage therapist and certified YouTuber. You can find her massage tutorials at YouTube.com/RebelMassage. She is also passionate about creating products that are kind, simple, and productive for therapists to use in their practices. Her products, along with access to her blog and CE opportunities, can be found at rebelmassage.com. Allison's column in Massage & Bodywork magazine: “The QL and the Psoas: The Epitome of Codependency” by Allison Denney, Massage & Bodywork magazine, January/February 2022, page 24. “The Hand: A User's Guide,” by Allison Denney, Massage & Bodywork magazine. November/December 2021, page 81. “Feelization: Connect with Clients on a Deeper Level,” by Allison Denney, Massage & Bodywork magazine, September/October 2021, page 85. This podcast sponsored by: Rebel Massage Therapist: My name is Allison. And I am not your typical massage therapist. After 20 years of experience and thousands of clients, I have learned that massage therapy is SO MUCH more than a relaxing experience at a spa. I see soft tissue as more than merely a physical element but a deeply complex, neurologically driven part of who you are. I use this knowledge to work WITH you—not ON you—to create change that works. This is the basis of my approach. As a massage therapist, I have worked in almost every capacity, including massage clinics, physical therapy clinics, chiropractor offices, spas, private practice, and teaching. I have learned incredible techniques and strategies from each of my experiences. In my 20 years as a massage therapist, I have never stopped growing. I currently have a private practice based out of Long Beach, California, where I also teach continuing education classes and occasionally work on my kids. If they're good. website: www.rebelmassage.com FB: facebook.com/RebelMassage IG: instagram.com/rebelmassagetherapist YouTube: youtube.com/c/RebelMassage email: firstname.lastname@example.org The Academy of Lymphatic Studies (ACOLS) promotes the quality and integrity of continuing education to practitioners in the field of lymphedema and edema management. Manual lymphatic drainage helps to reduce edema of various genesis, including posttraumatic and post-surgical edema, as well as several pathologies, such as fibromyalgia, chronic fatigue syndrome, migraines, and chronic pain. Highly skilled manual lymphatic drainage therapists with advanced training are instrumental in supporting the healing process in patients recovering from oncology treatments as well as cosmetic, reconstructive, and gender affirming surgery. ACOLS offers Manual Lymph Drainage (MLD) Certification and Complete Lymphedema Therapy Certification courses in both in-person and hybrid options. With 150 annual course offerings all over the country, students can find the right course for them. Website: acols.com Facebook: facebook.com/AcademyofLymphaticStudies LinkedIn: llinkedin.com/company/academy-of-lymphatic-studies-llc Instagram: instagram.com/lymphaticstudies Email: email@example.com
What does peace really mean to you? How do we define pleasure? Society has siloed pleasure to the bedroom, but it is really how connected you are to ALL of your senses in the day to day. Today I sit down with my dear friend, Terra Lyn Anderson, my partner in our new 7-month course Pleasure & Peace, to talk about living in pleasure and personal liberation. Terra has devoted their life to being a conduit for the healing connection between body and mind for both individuals and the collective. Join us as we get deep into the conversation around helping others understand what personal liberation really means and what intrapersonal activism is. We're exploring: How we worked to create a process to help people understand what “by way of their own liberation” means Our new “I” of oppression that Terra and I have added to the list The importance changing focus from helping everyone else (which is AMAZING) to helping liberate yourself Understanding we have all been taught to adhere to oppressive system, and unlearning these internalized these narratives The way we are defining “INTRApersonal activism” and how it differs from INTERpersonal activism Learning to balance your truth with maintaining your personal safety, and allowing yourself to make those necessary choices in the given moment Looking at the work you can do inside yourself, for yourself, to be a larger part of social change And so much more! Join our new course - Pleasure & Peace Get to know Terra! Website: www.embodyemerge.com IG: @embodyemerge Professional FB: https://www.facebook.com/terraanderson.embodyemerge Business FB: https://www.facebook.com/embodyemerge Catch up with Weeze! Website: https://www.accordingtoweeze.com/ Instagram: @accordingtoweeze The Academy (it's like Patreon): https://www.accordingtoweeze.com/the-academy Digging the podcast & wanna show Weeze some love? Buy her a coffee here Ready to jump into the community conversation? Join The Academy at any level to get access to the podcast Facebook group and behind the scenes content!
Land Academy Member Casey Jewett Interview (LA 1790) Transcript: Steven Jack Butala: Steve and Jill here. Welcome to The Land Academy Show, entertaining land investment talk. I'm Steven Jack Butala. Jill K DeWit: And I'm Jill DeWit, broadcasting from the Valley of the Sun. Steven Jack Butala: Today we have member, Casey Jewett, who just informed us he's been a member for a year. But for some reason, I thought you were a member for a really long time. It doesn't matter. Jill K DeWit: That's good. Casey: Time flies. Jill K DeWit: You are involved and that's what's important. So thank you. Steven Jack Butala: And you said yes, that's what's important. You said yes to my assistant, Gabriel and thank you for being on the show. Jill K DeWit: Exactly. Casey: Of course, of course. It's hard to say no to you guys. Jill K DeWit: Aw, thank you very much. Steven Jack Butala: So how's Land Academy working out for you? Casey: It's well. Initially it's like drinking from a fire hose. There's just a lot of information, a lot of moving parts, you have to take it all in stride and take small steps as you move forward because there's going to be a lot that hits you, and a lot that continues, things that you maybe thought you knew that you don't know. Jill K DeWit: Right. Steven Jack Butala: That's how I would describe the Land Academy for myself. Jill K DeWit: Exactly. What did you do before this? There's a certain mindset we pick up on people that get it and then some that don't get it. So what's your background? Casey: In college, my internship was actually as a real estate agent. So I got into real estate in 2005 initially in that regard. It just so happened that where I went to school they had a new internship and it was at one of the real estate agencies. I was like, "Cool, I can do that." My grandfather was an agent many, many years ago. I was like, "I'll give it a shot. See what's going on here," and so I became a realtor. They paid for my classes to take, get my license and kind of moved through that. I've been in real estate a long time. I've never done land, it's just not something that I had ever thought of. I have bought and sold hotels, residential real estate, mobile homes, mobile home parks, all kinds of things. I've been in the real estate realm for quite a while. 2008 happened, market went down, I actually decided I was going to become a fireman. So funny I said drinking from a fire hose, funny enough. Jill K DeWit: Love it. Casey: I spent five years as a fireman, but I also was still doing real estate on the side, just not as much as I was. Fast forward... I don't know, that was 2008... fast forward 10 years, I started getting more heavily involved in real estate, became a licensed agent again working as a realtor on the daily. Saw a book, started reading the book, got interested in land, took a little while to kind of do something. I was just finagling around on YouTube one night, found you all. I don't even remember if it was a podcast or what, but it was on YouTube, started watching some videos. And it wasn't not even a month, it was probably a couple of weeks that Career Path came out. I was like, "I'm doing this. I don't know what all it involves but I'm going to do it." That was, like I said, just over a year ago that've I've been calling it doing it full time. My wife allowed me to- Steven Jack Butala: Did you start as a commercial real estate agent. Did you seek that out? Casey: I didn't seek it out, no, just kind of started doing. In all reality I- Steven Jack Butala: What was the first deal you did? Did you sell a house first or was it commercial? Casey: Yeah, mainly I sold homes. And very similar to land, everything that I've done I've actually purchased and sold. For all of my investing stuff, I bought and then sold. So like hotel, bought and then sold it. Mobile homes, mobile home park, same thing, as opposed to listing it. Everything I've done as far as a real estate agent has been residen...
This week's guest is one of the newest coaches in the pro game, but someone already making an impact with his unique approach to the sport. Joseph Gilbert is the man behind the ascent of American player Jenson Brooksby, and he chats with Kamau Murray about how he developed one of the most unorthodox styles in tennis, one that has taken the pro tour by storm. Gilbert also discusses his approach to running an academy, his thoughts on the pro lifestyle, and why he's extremely fascinated by interviews & press conferences as both a coach and a fan. Learn more about your ad choices. Visit megaphone.fm/adchoices
Would Adam Wear Pants, Disney and Hazardous Stir Fry! Check out the wonderful school Alex has set up on the link below. More about The Academy next week. https://theacademy.com.au/ See omnystudio.com/listener for privacy information.
gm. Mauricio Magaldi is back this week to talk about the latest and greatest news in the world of crypto, including: Key US senators introduce crypto bill outlining sweeping plan for future rules - 1:50 The crypto community says the UK's FCA is finally starting to listen - 13:10 Scorsese producer Niels Juul's KinoDAO is using NFTs to fund indie films - 30:00 Jay-Z and Jack Dorsey launch 'Bitcoin Academy' at rapper's childhood home in Brooklyn - 39:30 PayPal adds new crypto services including transfers to other wallets - 47:30 We are also joined by some amazing guests: Gwera Kiwana, Product Manager, 11:FS Luca Prosperi, Lending Oversight at MakerDAO The Tweet of the Week comes from Bitfly, @etherchain_org (https://twitter.com/etherchain_org/status/1534568254508875778). This episode is sponsored by Visa. This episode is brought to you by Visa, one of the world's leaders in digital payments. Crypto has opened up a new world of possibility. And Visa is helping everyone take part. Visa enables commerce across their network and crypto networks through solutions like Fintech Fast Track, a quick and easy way for crypto innovators to issue payment credentials. Join us in this new money movement. Learn more at visa.com/crypto (https://partner.visa.com/homepage.html?utm_source=partner&utm_medium=affiliate&utm_content=sponsored-podcast_english_60min0sec&utm_campaign=us_fintech_q3-fy21-11fs-fintechinsider&utm_creative=awareness_11fs-fintech-insider). If you enjoyed the show, don't forget to subscribe and leave a review! Want to join the conversation on all the topics discussed? Tweet the show at: www.twitter.com/bchaininsider Special Guests: Gwera Kiwana and Luca Prosperi.
This week on Transmissions, a post-punk roundtable with Mark Stewart of The Pop Group, Stephen Mallinder of Cabaret Voltaire, Eric Random (The Buzzcocks, Nico). On Mark's latest album, VS, they team up for “Cast No Shadow,” which was made in response to the Simon Reynolds book Rip It Up and Start Again: Postpunk 1978–1984, and Nikolaos Katranis, Russell Craig Richardson, and Academy-award winner Leon Gast's forthcoming documentary of the same name. How did post-punk hit their respective places? What role did regionalism play in the music's development? These three join us for a freewheeling hour of discussion and deconstruction—talking about the VU, German cosmic music, black magic, and more. If you want to support Transmissions, check out Aquarium Drunkard's Patreon page. We're a part of the Talkhouse Podcast Network. Next week on the show, Craig Finn of the Hold Steady joins us to discuss his new record, A Legacy of Rentals, and his new podcast, That's How I Remember It. This Transmission is concluded.
In this one, we talk Academy setting books! Also, Joanna gets a dog - accidentally, Stacey tries to ride every rollercoaster, and Valia's vacuum makes a cameo. Bookshop page: https://bookshop.org/lists/s3-ep-3-academy-books Patreon: https://www.patreon.com/readingqueenspod Hosted by Stacey Trombley, Joanna Reeder, and Valia Lind. Artwork by Hanna Sandvig. Music by Stephen Roy. --- Send in a voice message: https://anchor.fm/readingqueens/message
Thanks for joining Amberly today as she has a conversation with guest and Christian LIfe Coach Academy member, Wynne Elder. Wynne coaches overwhelmed moms to find rhythms to their busy lives. Listen in as Amberly and Wynne discuss some great practices to help grow her business for the future. Connect with Wynne: Instagram: https://www.instagram.com/wynneelder/ Wynn's Website: https://wynneelder.com/ Wynne The Day Podcast: https://podcasts.apple.com/us/podcast/wynne-the-day/id1588663953 Connect with Amberly: The Christian Life Coach Academy: https://www.thechristianlifecoachacademy.com/ Produced and Edited by Lainie Thomas with Angie Elkins Media Contact: firstname.lastname@example.org for more info