Podcasts about as brian

Brian Moran is the leading authority on leadership, execution and productivity. As CEO and Founder of The Execution Company, Brian is a highly respected expert and accomplished executive, who has developed a well-versed business perspective from his vast experience in consumer products, healthcare, foodservice, automotive, transportation and professional services sectors. Brian is the co-author of the New York Times Best Seller The 12 Week Year. In this episode, Tyler and Brian focused on Brian's revolutionary 12 Week Year mindset and why operating a personal and professional plan in the context of 12 months is inefficient. What you'll learn: How The 12 Week Year was born The 12 Week Year's three principles and five disciplines for high-performance, and how they should be applied Holding people accountable versus holding people capable, and the importance of sharing your vision with encouraging and supportive peers How to optimize accountability groups The role of mindset in business and life Two 12 Week Year transformative success stories Tune in to learn how compressing your timeframes can quadruple your output. As Brian says, “You're successful, but what you're capable of is a whole new level.” Connect with Brian: Website: http://12weekyear.com Brian's Getting Started Course: http://12weekyear.com/gettingstarted Twitter: twitter.com/brianpmoran Facebook: https://www.facebook.com/motivatedlead/ The following books were mentioned in the show: The 12 Week Year by Brian Moran Feel the Fear and Do It Anyway by Susan Jeffers The Bible The War of Art by Steven Pressfield Looking to further elevate your performance? Download our free guide, Raising the Bar - 5 Steps to Elevate Your Habits, by joining Elevate's Insider Network! You will also be informed of real estate investing news, tips from Tyler, books Tyler's reading and more. Join today: https://elevatepod.com/insider  This episode of Elevate is brought to you by CF Capital LLC, a national real estate investment firm that focuses on acquiring and operating multifamily assets that provide stable cash flow, capital appreciation, and a margin of safety. CF Capital leverages its expertise in acquisitions and management to provide investors with superior risk-adjusted returns while placing a premium on preserving capital. Learn more at cfcapllc.com Follow us! Website: elevatepod.com Twitter: twitter.com/elevatepod1 IG: instagram.com/elevatepod Facebook Group: https://www.facebook.com/groups/elevatepodcastcommunity LinkedIn: https://www.linkedin.com/company/elevatepodcast

"There's really three areas where there's always a winner and loser in today's society. You know, everybody gets a trophy, everybody gets recognition, except in three areas of life: politics, athletics, and courtroom law." - Brian Panish How Brian won the landmark case that put him on the map Why he left money on the table at the beginning of his career How Brian chooses the right cases for his firm Why Brian emphasizes coaching for the lawyers in his practice From Locker Room to Courtroom Brain Panish knows what it takes to win. A former three-sport athlete, he played Division I college football for Fresno State. Instead of entering the NFL, Brian turned his talents towards the legal profession, where his team-first approach and dedication to winning have earned his clients billions of dollars over the years. As a founding partner at Panish, Shea, & Boyle LLP, Brian is just as competitive as ever. He's gone nearly 20 years without losing a case. He frequently applies lessons learned from his time on the gridiron to his firm, such as the importance of culture to a business's success and how to improve performance through coaching. Causes Worth Fighting For Brian has had many victories throughout his career, perhaps none more famous than his landmark case against General Motors in 1999. In that case, a car that was rear-ended left a family burned when the gas tank exploded. Brian was able to secure the family a record $4.9 billion dollars in the verdict. But money isn't the only thing that Brian focuses on. He also fights for change and consumer safety. In a wrongful death lawsuit against the LA County Metropolitan Transit Authority, he won a verdict that required the government to put protective barriers between their cars, improving safety for their riders. Play From Behind Brian knows that being on top is about being relentless. "The true champion is always behind," he says. It's that mentality that's helped him improve his skills as a lawyer, something he demands of the attorneys at his practice as well. It's also the reason he hasn't lost a case in over 18 years. He brings his best to every trial, because every client is important and Brian is the only way they'll get the justice they deserve. He hustles for everyone. As Brian says, "Winning is not a marathon. It's a sprint and it never ends. And that's what it takes." Key takeaways: If you stay the same, you're going back. Your competitors are improving; you should be too. It's a stressful job. Taking care of yourself mentally and physically will help you be a better lawyer for longer. Stand on the shoulders of giants. Read the books. Go to the seminars. Use the techniques other lawyers have developed. Links And Resources The Game Changing Attorney Podcast Michael Mogill Facebook Michael Mogill Twitter Michael Mogill Instagram Michael Mogill LinkedIn Crisp Video Website Crisp Video Facebook Crisp Video Group Twitter Crisp Video Instagram Crisp Video LinkedIn Panish Shea & Boyle LLP Website Brian Panish LinkedIn Brian Panish Twitter

— "Grief never ends… But it Changes. It's a passage, not a place to stay. Grief is not a sign of weakness, nor a lack of faith… It is the price of love." Valeria Teles interviews Brian Hartzman — a Grief Coach And Loss Support Life Reentry Practitioner. Brian is a grief coach working with people struggling to find their footing in the strange new world they find themselves after experiencing the loss of something dear to them. By his late 30s, Brian had reached what felt like the definition of success. He was almost 20 years into a successful IT career and, although he was divorced, his second marriage was "perfect,” bolstered by the lessons he'd learned from his first marriage. He and his new wife had a great co-parenting relationship raising his kids with his ex-wife and their very “modern” family was thriving. This seemingly perfect world was challenged when his wife was diagnosed with cancer. While they remained “strong” through her two years of treatment, she ultimately succumbed to the cancer. By the time he was 40, Brian had been divorced and now widowed, adrift in world that no longer felt safe or enjoyable. Feeling the need to “hold it all together” for his family and friends only served to further compound his grief and isolation. These experiences brought Brian the gift of grief. As Brian learned, one can either break down or break open. We break down when we hold on to the world that no longer exists for us, but breaking open allows us to thrive in any possibility. In breaking open, a sort of post traumatic growth can happen as one sheds the ideas, they held about how they knew the world and their life to be, and live free of much of the stress and angst of that way of being. Brian found peace and a new life through leaning into his grief and embracing the Buddhist concepts of presence and impermanence. He is now trained in grief coaching and as a death doula and supports others as they struggle with grief and challenging life experiences – caretaking, eldercare, death of a loved one, or the ending of a significant chapter in one's life. He also founded a support group for widowers to commune with others who “get it.” He learned that men struggle differently with grief in our western culture and how they are expected to grieve (be strong). The widowers group provides a safe place where that stereotype can temporarily be set aside. Brian lives and works in Seattle, supporting clients locally and remotely. To learn more about Brian Hartzman and his work, please visit: https://www.brianhartzman.com/   — This podcast is a quest for well-being, a quest for a meaningful life through the exploration of fundamental truths, enlightening ideas, insights on physical, mental, and spiritual health. The inspiration is Love. The aspiration is to awaken new ways of thinking that can lead us to a new way of being, being well.     

Hooooo boy! The nerds take on the form of forms and discuss the Harold. They attempt to explain the format, the steps, beats, game, group games, openers, and truck drivers and paperboys. As Brian puts it, the Harold is much harder to explain than do. So just check out this awesome graphic: https://www.nobodyssweetheart.com/the-harold They also cover how having a structure to follow will make improv easier!  Next week... ANOTHER FORM! And maybe we'll be sponsored! (hint: we won't)

The important role of an in-house media creator (or content creator) to a brand, especially in the software space, has been a topic weighing on my mind for a while. In today’s episode, I break down a few clips from a recent episode of Bootstrapped Web, where hosts Brian & Joran discuss their challenge of filling this role. I refer to this as Founder Marketing. When a young company is hiring for this role, it’s a responsibility that can’t be left to the fundamental content creation tasks. A capable candidate must be able to channel their inner founder in order to create content that resonates across: sales, marketing, product, and support. Someone that not only knows how to create a piece of content, but that also is as passionate for the business as they are the audience. I’d love to hear your thoughts in the comments or engage with the following Twitter thread. My friends @CasJam and @JordanGal are looking to hire for the "Media Creator" role. I do this for @CastosHQ and have lots of thoughts. Someone that can execute, what I call, "Founder Marketing." Let's start a — Matt Medeiros (@mattmedeiros) June 17, 2021 Transcription This episode of the Matt report is brought to you by mal care. Learn more about Malik here at Dot com. You’ve heard me talk about mal care before, but they’re back with some interesting updates. Not only are they the WordPress plugin with instant WordPress malware removal. Well, let me read some of these features.[00:00:15] Deep malware scanning. They know about malware that other plugins don’t. Number two, that one click malware removal process makes it super easy to remove from your WordPress website and number three, a new feature called auto bot ultra defense system. Okay. I made that ultra defense system part up, but get this, it automatically blocks the bots hitting your website.[00:00:35]So, not only does that protect your website, but in the long run, it’ll improve speed of your site from not letting those bots through the doors. Check out mal care at care.com that’s mal care.com. I don’t want to be a malware specialist. You don’t either check out mal. care.com. thanks for supporting the show[00:00:56] Matt: This episode of the Matt report is brought to you by lockdown SEO, you can find it at lockdown. seo.com. That’s luck. With an E. LOC K E D O w N S E o.com. Lock down seo.com. His name’s John Locke. He helps industrial companies with search engine optimization so they can get more qualified leads. If you’re a WordPress developer.[00:01:18] Helping. This customer type. Industrial companies. Manufacturing companies. Reach out to lock down seo.com. See if John can help on the SEO side, if you just do design development. You don’t want to do the SEO part of it, nor should you. John Locke can help you@lockdownseo.com. He also does site audits. So if you want to partner up with John on your next WordPress venture with someone, he can do some SEO audits for you and your John’s a great guy and super helpful. He can help you with your SEO or web design needs. Again, if you don’t service customers in the industrial space manufacturing space, but you do get leads in that space. Send them over to John. At lock with an E lockdown seo.com.[00:02:02] Welcome back to another episode of the Maryport podcast. This is a topic that we’re going to talk about today. It’s called something. I call founder marketing. Uh, my friends, Brian castle and Jordan Goll recently talked about this on their podcasts. They’re both hiring. For this media creator role.[00:02:19] And I guess it’s going to come in many forms. Uh, and fashions. This is something that I do here at my day job at Casos where I create the podcast. I do the YouTube channel. I do some marketing stuff generally is about creating this content. To help. Not only promote, uh, the Castle’s product and the brand.[00:02:38] But to know where the synergies needed to create. You know, sales. Um, onboarding product enhancements, support enhancements, building out community. It’s not just do a podcast. Get listeners get downloads, that kind of thing. Or do a YouTube create a YouTube video. And try to get likes and views and subscribers, although.[00:03:03] It does contain the sum of those many pieces. This founder marketing thing or this creator It’s a bit of a unicorn. If, if I pat myself on the back just a little bit, it’s a bit of a unicorn. Because when you’re hiring for this role, As Brian and Jordan, uh, find themselves in. The challenge is to find somebody who can, can understand.[00:03:25] The business and the opportunity in the market and the customers. Just like the founder. So, this is where I get the founder marketing title from it. Maybe could be ironed out a little bit more, you know, into something else or a little bit something more direct that you could put into a job listing. But the way I see it is as you have to.[00:03:44] Feel like the founder and know the market and the product and the customer, like the founder in order to create the content that attracts. And the customers to it. Otherwise you’re just telling somebody to go create this piece of content and they can shoehorn it. Right. And they people do it all the time. People outsource this to agencies and there’s nothing wrong with it.[00:04:04] But it’s very much from a. A strategic standpoint. Uh, almost utilitarian, I guess, where you make a top 10 list or, you know, do a tutorial or a how to, or comparison piece of content, which can be researched. And understood at that capacity, but the emotional side of it is, is very hard to fine tune.[00:04:28] So on bootstrap web, where Jordan and Brian host their podcast, uh, I’ve had both of them on the show before countless times. They started talking about this journey of hiring this media creator person. So number one, if that’s you check out that episode, it’ll be in the show notes. And reach out to either Brian and Jordan for a potential role. It’s going to be kind of interesting to see them.[00:04:48] Going head to head. In this space and seeing who they hire and how they hire. Uh, I think it’s a great time. It’s a great opportunity for us creators that are out there. So if that’s you. Creating your own little, uh, YouTube channel or podcast. And by little, I mean, maybe you’re just starting out and you’re trying to gain traction, but this could be a great opportunity to say, you know what.[00:05:09] I have a small audience here it’s growing might not be growing as fast as I’d like, but this is an opportunity for us. It really puts the power in the hands of the creators. I think. When software businesses, or any businesses in general think like media companies. Because if you looked at. Traditional Hollywood, let’s say.[00:05:28] And how much of a closed ecosystem that. Well, probably still is, but was definitely 20 years ago. Four. You know anybody to produce a movie, any actors to show up comedians, et cetera, et cetera. And then you look at. Introduction of Netflix, Hulu, Amazon. Everybody is now. Now has this secondary market of content.[00:05:53] Where it’s not just the big television channels and the big movies. So that’s the only distribution points anymore. There are far more distribution points, far more opportunities. For creators to create no, the traditional media that we, that we think about movies and television. Let’s break down a few clips. Uh, I also have a Twitter thread on this, which will be in the show notes. If you want to engage with the Twitter thread and see some of the activity happening over there. So we’re gonna play each clip from.[00:06:20]This episode, the most important clips I think from their conversation. And then i’m gonna break it down uh verbally here okay so let’s dive into the first clip[00:06:28]Brian Casel: The first and most important position I think is, is the media creator, uh, role. And so this is a person who I’m, I’ve been talking to a couple people, but it is a really difficult one to find potential candidates.[00:06:42] So I’m looking for somebody to essentially like co-host podcasts, be a show runner for, for new podcasts, video content produce videos. Um, so somebody who is like a great storyteller and has the technical chops, like the video production podcast, chops, you know, doing interviews with other people, uh, coming up with creative, uh, premises for a new show and just, you know, being like just driving the creative content that comes out of this.[00:07:10][00:07:10]Matt: So we go back to, this is the founder marketing role, right? This is why it’s so important to me. For somebody to have that founder, like experience. Which again, I know it was very difficult. It’s that unicorn position, but I think the best candidate for what Brian. Is looking for. Is going to be somebody who has, uh, that close relationship to the customer, to the product, into the market. Somebody who’s as excited.[00:07:37] For his product. Uh, as they would be, if it were their own product now, again, very difficult to find, but I think that’s where he’s going to find. Uh the best candidate for[00:07:47] Jordan Gal: it feels like what you’re really what you’re saying is that there needs to be a function. That creates an audience and does that by understanding what the audience wants and providing value to it.[00:08:00] And then the media that supports it and delivers that value,[00:08:04] Brian Casel: I would say yes. And coming up with creative, new ideas, like a new new premise, not just find a hundred founders to go interview every week. Like. New angles, new, new premise.[00:08:18]Jordan Gal: that you, you emphasize that in the job listing where it was like, we don’t want to do the same stuff.[00:08:24] We want to really think about why we would do something. And then, and then look at the format that way. Not just, well, let’s just do another podcast because that’s what everyone does.[00:08:34]And this is on the flip side. This is where a great creator is going to really enjoy a role like this because. Which, and I’ll preface this preface, this breath preface with saying that. This is also a challenge for, uh, Brian and Jordan. I feel. Because they have to be hands off. They have to let the creator create because that’s, what’s going to yield the best result.[00:09:01] And if you’re a creator out there, Doing your thing. You know this, you know, that. If there’s less restrictions. Uh, You know, unless sort of control and you have more autonomy to do. What you need to do to create a great piece of content. That doesn’t have to be just a podcast. It spans across podcasts, audio, video.[00:09:21] Written, uh, email newsletter, even if you were doing some kind of like social campaign. You understand where. Your strengths are and how you’re going to communicate this message. And if Brian and Jordan can, can let the creators create, I think that’s going to be the best outcome, but also the hardest for them.[00:09:42] To not manage, but I have expectations for, because I think so many founders might be. Uh, so goal oriented or developer oriented where there’s sprints and there’s sales goals. And there’s marketing goals where like visits and conversions that the creative side is very hard to measure, especially when you turn to them and you say, Hey, I need, I need time.[00:10:05] To do this. The more time you give me the better it’s going to get, but it’s not going to be like this constant production wheel happening. I mean, it eventually will write, like I found a pretty good stride at Casos. But in the beginning it’s like i just need time to absorb this I need the time to look at my creator canvas and i think that’ll be the biggest challenge for brian and jordan moving forward[00:10:27]Jordan Gal: So first step. Audience. And now this technical marketer role is really the transition between the audience and the product.[00:10:37] It’s like the bridge on identifying some people in the audience. Are are, are going to be interested in what we’re doing as a product, not everyone. And, and you’re not building the audience solely for the purpose, like, cause that people see through that you want the authentic version of media and an audience and value and then allowing for a bridge from there over to the[00:10:58] Brian Casel: product.[00:10:59][00:10:59]Matt: And just to wrap some context around this. This is Jordan, uh, explaining back the technical marketing role that Brian also wants to hire. So he wants to. Hire it in tandem. This content media creator, plus a technical marketer to sort of carry the ball. The other. Uh, half of the way down, down the field to use a sports analogy, terrible one at that. But.[00:11:23] Hiring the media creator go out and do the creative. Do the show running, create the actual content, hire a marketing technical marketing lead. To help distribute the content, help convert the content and, and measure the success. Of the content. So number one, very smart move for, uh, for Brian to be thinking that because it can’t, it can be two people.[00:11:47] In a very low pressured setting. Um, and by pressures, not even just the pressures of, uh, of the owners or the other teams, but just the market in general, like how much content do you need to create to compete with others? Uh, how much time do you need for each piece of content? Having somebody else carry the ball. The rest of the way on the marketing side is very smart.[00:12:09] Uh, you definitely gonna need a budget to do that. You need to be able to hire two people at once. Um, you can do it in the beginning. It really depends on what your capacity is as a creator, but also, uh, how you can streamline your processes and, and what the actual overall goals are. So very smart to have these two separate roles, because largely they are two separate. Parts of your brain thinking about how to approach this stuff[00:12:33]Brian Casel: it’s about thinking about that target audience and distribution before we even create. The content. So if the technical marker and myself are in the mix on coming up with ideas in collaboration with our, with our, uh, media creator, It’s about, we know that at the end of the day, we want to reach this segment of people.[00:12:57] So how can we start to come up with creative ideas for, for a show, with an awesome premise for, for that, that, that, that audience would just eat up every single day. And the technical marketer can think about as we’re ideating on this stuff. Okay. If we’re going after that audience, these are the types of channels that we can go to distribute that, that show and grow the audience for it.[00:13:19][00:13:19]Again, this is where I go back. Let the creators create. This will be the challenge. All right. How do we give somebody the freedom, but also at the same time, like push this marketing and promotional thing forward so that we know it’s working. I would say it’s going to take a solid six months in order to really hit a stride.[00:13:37] You know, working together. How content calendars are created, how content is created, how it’s shipped, how it’s promoted, how it’s repurposed. Which is very, very difficult. Two. Even like, think about and make time for it because you, you create so much content. That you just don’t want to let it.[00:13:57] Be done. Right. You spend all of this time, all this investment in it. How do you keep that? Content fresh. Newsletters communities, et cetera, et cetera. So things like that big challenge, but good that Brian’s thinking about it as two independent. Uh[00:14:12] responses.[00:14:13]Jordan Gal: I’m going to argue that there’s a third function, a third role that we we’re going to bump up against immediately.[00:14:23] And that is of community. Because it is a really tall task to ask someone to lead the media creation efforts and also focus on community. Some people are like magically talented and do that almost like inherently. They just can’t even help it. They just create media and form an audience around it and communicate with that community at the same time.[00:14:49] And it can be the same person for a certain amount of time, but they are like, Uh, there’s a third element there around community and fostering it and, and kind of[00:15:00] Brian Casel: communicating with, for that community piece[00:15:03][00:15:03]So my last comment, just foreshadowed this clip. Uh, in, it’s interesting to see Jordan already with the wheels turning you’re you’re already thinking about, okay, what’s that third pillar that comes next and he’s saying it’s it’s community. And it most certainly is maybe not for every product and brand that’s out there.[00:15:22] But the key thing here is that, that. That, even those two people, the creator and the technical marketer. Can not be responsible for. Building and cultivating and supporting a longterm community. Again, everything can be done temporarily. Just won’t be done. Great. And it. Won’t be done. Very organized.[00:15:44] And there’ll be a lot of pressure on one person to do everything. But hopefully what this does is bring it to light. Because a lot of people just say, oh, I’m going to hire somebody who does marketing, oh, by the way, do a podcast, do a YouTube channel, do this marketing thing, report on the metrics. Tell me what the conversions are, do the email newsletter. And can we do it a community with that? I mean, sure. Anyone can tackle all three of those at once, but it’s just going to be done poorly to the point where the person who’s responsible for it is ultimately just going to burn out because.[00:16:16] Uh, approaching a community, which is something that I even struggle with at Casto. So it’s something that I want to do, but I’m quickly realizing I can’t do all the content creation. And do the community well. What I can do is I can see the foundation of the, of the community. I hope. And then that can be carried through.[00:16:34] By somebody else in the future. Uh, or I take it at a really. Minimal viable product approach, where it’s just very, very. Small chunks of what a community aspect might be. And that could just be conversations that are happening. Uh, in a circle app. Right. But a true community is going to be just constant engagement.[00:16:53] Constant engagement, constant, you know, pruning and supporting and making sure people are engaged and that there’s. Value being taken away from it, because if there’s not somebody doing that, it’s very, very hard to get the momentum for our community to take off where it just supports itself. I think a lot of people think community cause they’re like, oh great.[00:17:12] This will be interaction that’s just on autopilot. Yeah, everybody gets into a room and of course they want to talk about. The product, the brand and you know, what their experiences are. But you need somebody. Constantly engaging in that. Again, whole new responsibility, smart to think about it. Smart to think about it as an independent responsibility[00:17:32]Brian Casel: My thinking on that is now if you want like a, like a, an engaged community who, who is interacting with each other. The audience has to come first,[00:17:42] Jordan Gal: the audiences, the is the raw material in some ways that, yeah.[00:17:46] Brian Casel: And, and like for a brand new community, like if you want to start slack group or a circle or whatever you’re going to use for your community, it’s just such an insanely difficult Boulder to push up a hill.[00:17:59] If you don’t have an audience to begin with, or if your audience is very small, because truth of the matter is for every hundred people who follow you. Only five of them or less are the type of people who will actually leave a comment in the community. The other 95 might lurk. They might watch, but they’re just not commenters.[00:18:18] That’s just the nature. So you need thousands and thousands of followers to just spark a community[00:18:25]I think that too early on trying to create a community out of a very small audience, you’re going to waste resources.[00:18:32] You’re going to waste like people or waste hours waste money on a extremely difficult uphill battle.[00:18:40]And that’s Brian, just proving my point. He’s been doing it now for a while. He understands. Um, The challenge of community so i have nothing much more to say on that other than what i just said previous to brian what brian just said in that statement[00:18:56]Brian Casel: especially for that media creator role, it’s a really difficult, I am talking to a couple people, but I think what I’m also starting to look at, I don’t even know how viable this is, is to sort of be like a scout and try to find.[00:19:10] People who have like a small, like a young podcast or YouTube channel or both sort of in the space. And maybe look to acquire them and that show and, and enroll with that, you know, but like how do you find someone who hasn’t blown up yet? You know, um, this is what we talk. You can see, you can see the talent, like on the page and it’s.[00:19:36] So, yeah, so about that[00:19:38] Jordan Gal: too, and this is kind of an opportunity for someone listening or someone that they’re familiar with to just raise your hand and basically say, well, I’m talented. I just need a chance. I just need some budget. I need, I need a bigger stage to perform on[00:19:53][00:19:53]Again, finding this person is. We’ve been talking about all these challenges, but it’s going to be finding this person who, who meets this criteria. Who’s able to produce this kind of content. Uh, it’s just a super challenge. So I’ll speak towards just who the creators are. If you’re a creator out there listening to this, and I can tell you from my firsthand experiences,[00:20:13] You start running with a project. You love the project. You never want to see that project go away. Uh, or yet you could never consider yourself part of another brand. You just let it go. Right. Like at some point you realize like, okay, In order to get better as a creator in order to challenge myself and then move on to something else.[00:20:33] Then, if this is something that’s interesting to you, what Brian and Jordan are talking about. Look. Being able to, Hey, I got my, my YouTube channel up to whatever, whatever your number is, a thousand subscribers, 5,000 subscribers or whatever it is. And you’re, and you’re feeling like you’re hitting a plateau, both from the growth side and from the creative side.[00:20:54] Then you have leveraged there. So I guess what I’m getting at is if you’re building something and you’re not super happy with it, It’s valuable to somebody else valuable to somebody in this position and Brian and Jordan, aren’t going to be the last brands, hiring somebody to create content for them and create to create content well.[00:21:11] That you can leverage that. And I’m not even saying you necessarily get rid of it. Uh, or give up on it or, or, or sell it so where maybe you do sell it. Right. So if you are in the technical space, cause there’s lots of us. That do the technical review, the software. The plugins, the tutorials, that kind of thing.[00:21:29] This would be a great. In road to say, well, look, I’ve, I’ve built up this. Audience. This brand, I have this many subscribers. I’ve had this many videos or this many listeners. Let me sell this value to you and, um, I think that’s perfectly fine. And one that you know is only up to you as a creator, whether or not you want to do it.[00:21:49] But the options are there and the options are, are going to keep coming. I think. Um as more people invest in this space[00:21:56]Jordan Gal: I can’t help, but I keep going back to news, like what’s happening here, industry. Who’s doing what who’s collaborating with, who, who raised money, who hired, who, who left this, who starting something new? Like that’s the stuff you talk about on a day-to-day basis. And I think there’s an opportunity.[00:22:11] To create media around that, that turns that media brand into a destination and somewhere that people look to regularly, and that would be, that would be power.[00:22:24][00:22:24]Uh, the context around this clip. From Jordan was he’s looking for something that’s that’s unique. Like what could he produce? At his new company rally, that would be a unique twist on content creation that isn’t just the interview trans. Uh, the interview podcast or even well, a high produced podcast where it’s more storytelling and engaging.[00:22:46] Um, you know, in much, in much higher production. Is thinking about news and sort of just staking a claim in whatever market you’re in, you can’t report the news and have your unique angle on it. And I totally agree. This is a huge opportunity in this space. For many reasons. One it’s more topical and.[00:23:05] When you’re creating content like this, like I do with the WP minute.com podcast. It’s very specific. It’s very specific to WordPress news. It’s very specific to only five minutes. And that is. The premise there because. I’m serving. I have clear definition of the audience that I’m serving no more, no less.[00:23:26] It’s it’s targeted. So. I know who I’m serving. I know why they listen. And I know how to produce it on repeat. Whereas even a show like this, which is much more long form. Sometimes it’s solo shows sometimes. We’re talking to somebody and doing an interview. You know, it’s 30, 40, 30 to 45 minutes, maybe sometimes an hour. There’s a lot of stuff that can happen. It’s it attracts different types.[00:23:52] Uh, of listeners production is always different. Uh, shownotes are always different. Value is always different. And while it’s it’s great. And it’s, it’s a brand building experience and it’s engaging for a lot of people. Uh, the audience that tunes in and the brand awareness that it raises can kind of be all over the board, which is.[00:24:14] It’s good. It’s still good. Um, but when you do something hyper-focused as a news, Or a super, super hyper-focused, um, maybe educational podcast. Then you just have clear definitions and things or. Are much easier that way. Um, From, uh, from an audience perspective, maybe from the creator’s perspective.[00:24:36] A little bit harder to just stay within those lines all the time. Depending on what it is that you’re, that you’re doing and covering. Uh but definitely easier to create a process for and ultimately uh raise awareness[00:24:49]Jordan Gal: This is the same thing that we talked about with Barstool. Sports wear is a draft Kings, right? The gambling site, they just bought the exact audience that gambles. So it’s very natural alignment. Yep. Yep. Cool man. Well, I have a feeling we’re gonna, we’re gonna talk a lot more about this and we’re going to pretend not to be fighting over people for the same world.[00:25:13] Right. But we,[00:25:17] Brian Casel: so, uh, yeah. What, what else you got going on?[00:25:19][00:25:19]So I’m really interested to see how Brian and Jordan end up, uh, sort of tongue in cheek here, like feuding with one another. Right? Sort of you think about like big Hollywood executives sort of sparring over the, the, the, the best actors and actresses and best, uh, directors and, and scripts to buy. And, and, and it’s almost like that huge.[00:25:40] You know, world of Hollywood that’s feels so water out of touch being really shrunk down to this, you know, finite thing that could be. Uh, happening across many brands trying to hire talent. Um, trying to find the talent is a challenge at a higher them trying to acquire them. Put a number on it. It’s very difficult.[00:26:01] Uh, and to find the right person to do it all. So it’s, uh, I I’m sitting here smiling ear to ear because I’m really interested to see this challenge unfold for both of them and how they both go about it. And interested to see if they do cross paths and find somebody who has applied to both because they have a strong listenership. And if you are listening to this, you could be applying to, to their job openings as well.[00:26:23] Um, But at the same time, lots of opportunity in this space now. And I think this is sort of validating it. This founder marketing role. Um, And I think that there’s going to be a lot more of this happening. Because there’s a lot of, at least in the WordPress space. And even the people that I talk to now and know code and software as a service.[00:26:44] Founders are either. Hyper-focused on sales. And growth. So that’s the other angle of it. This is stuff that you need sort of after, I’ll say with air quotes, after the content creation. Um, or they’re they’re founders and they’re the founder developer, right? So they’re actually building the product. There’s no time.[00:27:00] Uh, there’s no creative aspect. There’s no social aspect for some to just get out there and create that content. So. Big big opportunities ahead. I don’t know. Let me know what you think if you, uh, are interested in, uh, number one, applying for that role, check out the bootstrap web podcast. What Brian and Jordan are doing. Jump on that Twitter thread, click on that in the show notes. And you can just engage with them right there. If that’s the quickest route to it. I have a let me know what you think about founder marketing right on twitter okay that’s it that’s the Matt report. we’ll see you in the next episode[00:27:30]

As Brian says about the people you know, “Your connection to the rest of the world is the people who already know you.” Thoughts on reconnecting with people who know you around the time of your birthday or other events in life. Transcription Are you taking care of your network? Hi I’m Brian Pombo, welcome […] The post Relationship Marketing: Are You Taking Care Of Your Network? first appeared on BrianJPombo.com.

As Brian says about the people you know, "Your connection to the rest of the world is the people who already know you." Thoughts on reconnecting with people who know you around the time of your birthday or other events in life. https://www.youtube.com/watch?v=UcDqHE3S6O8 Transcription Are you taking care of your network? Hi I'm Brian Pombo, welcome back to Brian J. Pombo Live. Coming to you every day, from more than most days coming to you from Grants Pass, Oregon. I'm here at the headquarters for BrianJPombo.com, and I want to talk a little bit about your personal network. So today, I sent out a message. And I get this opportunity at least once a year, okay, every birthday period, I have a time when everybody reaches out I mean, huge numbers of people reach out and say happy birthday, on my Facebook profile. So if you have any type of social media profile, it's a great opportunity to be able to reach back out to people because they're reaching out to you. And you know, having that conversation that's already going on in your customers mind in a sentence, you know, and that not that everybody who knows you or customers, but there are resource, everybody's a resource. That's not a bad thing, it doesn't mean that you don't love them, and that you don't care for the people in your life and everything. But they're also a great resource, they're your connection to the rest of the world is to the people who already know you. And if they know you, like you and trust you even better. But I sent out this message, and it was because my birthday a few days ago, sent out a video just saying, "Hey, I'm going to be reached out to more people." One of the things that I realized, especially this year, it's something that's for years, it's becoming more and more clear. And that's that everybody you know, is a resource for something. And that you're a resource back to them for something they may be able to use at some point or be able to get help with. It may not be you particularly but you're at the connection to the rest of the world for them. And so it's in all of our best interest to stay connected. On top of all them major issues with social media, I think one of them is it gives us a false sense of connection. I mean, we are connected more than we ever have been, right? I mean, I don't think anybody has stayed as well connected to their people they went to high school with and other other groups like that, then we do because of social media. I mean, it's amazing what we we do have some type of connection. And we are able to see each other's pictures and things of that sort, on occasion here and there. But for the most part, we are really connected with them, we are really talking back and forth with them. In most cases, we aren't necessarily even getting on the phone with them or having a video call with them. But we can you see it gives us the opportunity, we can start that conversation at any point. The easy thing is to watch a feed a social media feed and seeing someone bring up something that then you can add something on to and then you can reach out to them based on that concept. It's all about staying connected. And so what I told myself is what I'm going to try and do. We're just an experiment, we'll see if I can actually get along with if I can build up a habit of calling people on a weekly basis. Somebody from my past a random person that I'm connected to somewhere I either have a phone number, or we're connected via social media or something and I'm going to reach out to them, I'm going to reach out over instant over the the messaging system, I'm going to reach out via phone, if I've got a phone number, I'm going to reach out and just say hi. And if they want to talk, they're always welcome to call me back and just chat and just pick up wherever we left off even that was 20, 30 years ago. So it's just an idea. It's an experiment,

Brian Tracy is the Chairman and CEO of Brian Tracy International, a company that specializes in business coaching, personal coaching, and professional development. He has consulted for over 1,000 companies and addressed more than 5,000,000 people in talks and seminars throughout the US, Canada, and 70 other countries worldwide. Brian has also written over 80 books and produced more than 500 audio and video learning programs designed for entrepreneurs, public speakers, sales professionals, and authors. In this episode… How can you achieve your personal, professional, and financial goals — quicker and easier than you could have imagined? According to Brian Tracy, if you use your mind properly, you can achieve anything.  So, what are Brian’s strategies for leveraging your “superconscious mind” to achieve success? For one: read voraciously. As Brian says, the entrepreneurs who read every day, like Bill Gates, are the most informed, wealthy, and successful people on the planet. That’s because every entrepreneur is always one idea away from a business breakthrough; you just have to discover the right idea for success.  Brian Tracy, accomplished business coach and best-selling author, joins Dan Kuschell on this episode of Growth to Freedom to share his tried-and-true strategies for achieving personal, professional, and financial success. Brian discusses the vital importance of writing down your goals and explains why the best investment you can make is in yourself. He also reveals the business lessons he’s learned from the top entrepreneurs in the world. Stay tuned for more!

"Art is the informed translation of soul." ---Brian Michael TracyApril is National Poetry month in the United States. I'm joined by fellow myth-lover and poet, Brian Michael Tracy, for an exploration of the connections between poetry and soul. Psyche is the mysterious wellspring of myth, dream, and poetry, and our source of creative vitality. As Brian writes, "Art is the informed translation of soul." Brian's poetry weaves through our conversation. I hope you find inspiration and a reflective respite here, and perhaps hear a whisper of soul.Support the show (https://www.patreon.com/mythmatterspodcast)

Join Ross as he talks with Brian Graff, CEO of the American Retirement Association. We all have our stories about how we got into the retirement plan industry-hear Brian's personal story. What is his perspective on ESG funds, are they a must-do for retirement plan advisors? Learn more about ESG(k), NAPA's new certificate program. What might the Biden administration mean for the retirement plan industry, specifically surrounding the fiduciary rule? What potential changes regarding the tax code should be on our radar? What is the biggest potential legislative change that our industry may not be paying enough attention to, and why could it create opportunity for advisors? As Brian nears his 25th anniversary as CEO of the American Retirement Association, hear what he is most proud of looking back, as well as what he hopes for in the coming years.Resources: NAPA Summit 2021NAPA-Net

Brian’s dad profoundly impacted his life; Brian wasn’t raised to be like anyone else. Brian was taught to stand in the gap, to be an intentional encourager. Brian has endured hardship in his adult life and has used those experiences to propel himself into projects that he is passionate about. Losing his dad unexpectedly and being fired from his job brought gifts of support, connection, and friendship into Brian's life. These experiences laid the foundation for his book, People Buy From People, titled after one of his dad's most valuable lessons. Originally envisioned as a book for those in sales, Brian realized that his book, woven with stories of his late dad, is a book about life. Brian recently launched and hosts his own podcast, The Intentional Encourager, where he shares stories of inspiration, hope, wisdom, connection, and ... encouragement. As Brian states, encouraged people are powerful people. Who can you encourage today? Resources: The Intentional Encourager Podcast People Buy From People, Audible People Buy From People, Book Unexpected Launch, Podcast and Videos

In this week's show...00'00" - Welcome with Brian & Kaye01'21" - Cardwell - FNQ's Best Kept Secret - Colin OkeBetter known as the gateway to fabulous Hinchinbrook Island… Cardwell is back in business after a Category 5 cyclone called Yasi all but blew this beautiful town in far north QLD off the map in Feb 2011. We spent a great couple of nights at the Cardwell Caravan Park and couldn't resist asking owner Colin Oke why he loves the place so much! :-)08'46" - Easter Dangers For Our Pets - Nadia CrightonEach year, Pet Insurance Australia's Nadia Crighton sees a dramatic jump in claims for pets requiring hospitalisation after their forbidden treat - chocolate has been imgested, plus she warns there's another popular Easter gift of floral bouquets which can be just as deadly for our pets.15'15" - Hotseat Practice Session - QuestionQ: What Australian animal did English scientists think was a prank?A - The Platypus B - The KangarooC - The EmuD - The EchidnaThe answer…later in the show.15'46" - Why I Love Organic Food - WendyWe're constantly amazed at the number of solo females travelling around Australia – most of them full-time. Like ‘Wendy' – who, as it turns out loves food but her interest goes beyond what most people think about when it comes to food… 21'33" - Bloody Mice! - Our Story! - Brian & KayeYep - the title says it all... As Brian's mum used to say... BLOODY BUGS!! - but we're still learning so we'd love your tips 'n tricks to help some this very common problem whether travelling or not!30'34" - Hotseat Practice Session AnswerQ: What Australian animal did English scientists think was a prank?A - The Platypus B - The KangarooC - The EmuD - The EchidnaThe answer…in this show!.

Yep - the title says it all... As Brian's mum used to say... BLOODY BUGS!! - but we're still learning so we'd love your tips 'n tricks to help solve this very common problem whether travelling or not!

The Importance of Incandescent-Light SaunasThis week’s podcast with Brian Richards, the owner and founder of the Sauna Space company, is another episode that is not to be missed. Sauna Space saunas are unlike anything else on the market. As Brian describes, the distinctive aspect of their approach is the use of an incandescent heat source, like the sun, to generate heat and red light. The heat is one part of the “therapy,” and the red light is the other. Red light is arguably the main food for the mitochondria in our tissues, which we know are so crucial to our health and well being. Please tune in and learn more about the magic of incandescent heat and red-light therapy. With warmth,TomSaunaSpace Link: https://sauna.space/discount/DRCOWAN5My website: https://drtomcowan.com/Subscribe to Conversations w/ Dr. Cowan & Friends on Spotify:https://open.spotify.com/show/25hGTOl6fCPpNUWwwWZY4yOn Apple Podcasts:https://podcasts.apple.com/us/podcast/conversations-with-dr-cowan-friends/id1530268266?uo=4Our BitChute Channel:https://www.bitchute.com/channel/CivTSuEjw6Qp/

Technology led growth In this interview, the continued growth in the value of pest management is debated. Growth in both the appreciation of its value to society, but also in the financial value to those businesses operating in this sector. Although the technician on the ground remains king, the use of digital technology continues to expand. Brian Monaghan is CEO and co-founder of Pest Pulse (https://www.pestpulse.com/), a technology-led pest services company headquartered in Dublin, Ireland but also offering services to commercial customers in the UK. Asked what makes Pest Pulse different, Brian explains the company always leads with remote monitoring as part of the package at a price equal to any regular contract. Pest Pulse was formed three years ago when Brian linked up with his old friend, Tim O’Toole, formerly of Pest Guard. Although Tim has pest management experience, Brian did not, having previous worked for online companies such as Paddy Power, an international currency operation and a food delivery firm. However, the two of them could see opportunities to ‘offer something different’ in pest management due to a mix of regulatory changes, particularly rodenticides, coupled with increasing demands from customers for technology-led service offerings. Looking for cash to develop the business, interest was shown from two venture capital firms, but the business was bought in 2019 by US-based Terminix (then ServiceMaster). As Brian explains: “This link gives us access to Terminix’s infrastructure and to resources that we otherwise wouldn’t be able to get.” Pest companies trading at high multiples An interesting discussion emerges between our TPM host, Daniel Schröer and Brian regarding venture capitalists, technology stocks and the increasing overlap into the pest management business. Pest control, as a value stock, has always traded at a high multiple – the industry is pretty recession proof, grows annually with a good revenue to cash flow generation and now trades more like technology stock at a high multiple ratio. As technology becomes increasingly available to this industry this will further improve multiples, growth and servicing – so raising the desirability of venture capitalists to invest. “Pest control is an in vogue industry, maybe for the first time, but we still need to capitalise on these opportunities,” Brian explains. Future market consolidation As to the future, Brian predicts further consolidation in the market with more acquisitions of medium to large servicing companies by the big four – notably Rentokil, Rollins (Orkin), Anticimex and Terminix. Subscribe on the latest insights on the pest management industry. For more breaking news, white papers, videos and more: www.futura-germany.com Follow us on social media: LinkedIn: @futuragermany Instagram: @futuragermany acebook: @futuragermany If you want to be part of Talking Pest Management email us at info@futura-germany.com and join the conversation @ Futura Germany Futura Germany Podcast Listen on Spotify: https://spoti.fi/2KPaC4u Listen on Apple Podcasts: https://apple.co/2xmJqkZ Or on every other platform: @Talking Pest Management

Brian Fanzo, Digital Futurist at iSocialFanz, joins the Social Pros Podcast to discuss the new social media platform that everyone’s talking about – Clubhouse. We discuss how this voice-only app is making waves in the social media world and how you can use it as part of your own strategy. Huge thanks to our amazing sponsors for helping us make this happen. Please support them; we couldn't do it without their help! This week: Salesforce Tailwind aCe Full Episode Details Is Clubhouse the only social media platform that prioritizes conversation over content? Brian Fanzo, Digital Futurist at iSocialFanz, says that Clubhouse is a unique platform that could create a type of dialogue never seen before on social media. As an invite-only, audio-only platform, Clubhouse focuses on real conversations and a new style of networking. Unlike other social media platforms, it’s not all about creating consistent content. Instead, Clubhouse provides intimate spaces to connect and share ideas. As Brian says in this podcast episode, Clubhouse is all about authenticity, which is much harder to fake than on other platforms. After this episode, we’re continuing the Clubhouse discussion – on Clubhouse itself! Join us on March 1st at 10 am ET for the Social Pros Podcast After Party: Clubhouse for Brands with Jay Baer & Brian Fanzo. In This Episode: 5:23 – What is Clubhouse, and how does it work? 9:14 – The power of audio and the authenticity of Clubhouse 12:21 – How conversations on Clubhouse are organized by rooms and clubs 17:40 – The different types of content and conversations available on Clubhouse 18:49 – How 2020 events influenced Clubhouse’s rise in popularity 24:42 – Brian predicts where the growth within Clubhouse will go and how to leverage it as a social pro 30:54 – How brands can use Clubhouse 37:00 – How to multitask with Clubhouse 43:23 – How Clubhouse approaches monetization and moderation 45:07 – The pros and cons of Clubhouse. Resources Get the new State of Marketing report for free from Salesforce Find out more about the community at SocialMedia.org with a special form for Social Pros listeners Find out if your website is ADA & WCAG compliant with help from aCe Get $30 off of your Tailwind Subscription! Join Clubhouse iSocialFanz website Brian’s website Visit SocialPros.com for more insights from your favorite social media marketers.

Whether we want to admit it or not, sales is in every part of our lives. The way we make agreements or negotiate is the same way salespeople close deals. Even when we apply for a job, and we are asked to come for an interview, we present our skills and experience in a way so as to sell them to the "buyer" (potential employer). But what is it like to be a professional salesperson?Brian Collins, Professor and Director of the Sales Center at Virginia Tech, says people have misconceptions about what a salesperson is. Many think salespeople only want to earn a buck regardless of their clients' well-being. As Brian will tell you, that's simply not the reality. Professionally educated salespeople are focused on delivering the best solutions for their clients. They build relationships and seek long-term collaborations. In this episode of Tech Sales is for Hustlers: Campus Series, Brian Collins and hosts Kristen Wisdorf and Libby Galatis discuss the crucial lessons students must learn before entering the sales world. You'll hear Brian explain why it is natural to make mistakes in your first job, and why you should let yourself fail. Embrace a mindset of professional growth and these critical lessons will lead to long-term success.

Guess what folks: we are celebrating a birthday this week. That’s right, Many Minds has reached the ripe age of one year old. Not sure how old that is in podcast years, exactly, but it’s definitely a landmark that we’re proud of. Please no gifts, but, as always, you’re encouraged to share the show with a friend, write a review, or give us a shout out on social. To help mark this milestone we’ve got a great episode for you. My guest is the writer, Brian Christian. Brian is a visiting scholar at the University of California Berkeley and the author of three widely acclaimed books: The Most Human Human, published in 2011; Algorithms To Live By, co-authored with Tom Griffiths and published in 2016; and most recently, The Alignment Problem. It was published this past fall and it’s the focus of our conversation in this episode. The alignment problem, put simply, is the problem of building artificial intelligences—machine learning systems, for instance—that do what we want them to do, that both reflect and further our values. This is harder to do than you might think, and it’s more important than ever. As Brian and I discuss, machine learning is becoming increasingly pervasive in everyday life—though it’s sometimes invisible. It’s working in the background every time we snap a photo or hop on Facebook. Companies are using it to sift resumes; courts are using it to make parole decisions. We are already trusting these systems with a bunch of important tasks, in other words. And as we rely on them in more and more domains, the alignment problem will only become that much more pressing. In the course of laying out this problem, Brian’s book also offers a captivating history of machine learning and AI. Since their very beginnings, these fields have been formed through interaction with philosophy, psychology, mathematics, and neuroscience. Brian traces these interactions in fascinating detail—and brings them right up to the present moment. As he describes, machine learning today is not only informed by the latest advances in the cognitive sciences, it’s also propelling those advances. This is a wide-ranging and illuminating conversation folks. And, if I may say so, it’s also an important one. Brian makes a compelling case, I think, that the alignment problem is one of the defining issues of our age. And he writes about it—and talks about it here—with such clarity and insight. I hope you enjoy this one. And, if you do, be sure to check out Brian’s book. Happy birthday to us—and on to my conversation with Brian Christian. Enjoy!   A transcript of this show will be available soon.   Notes and links 7:26 - Norbert Wiener’s article from 1960, ‘Some moral and technical consequences of automation’. 8:35 - ‘The Sorcerer’s Apprentice’ is an episode from the animated film, Fantasia (1940). Before that, it was a poem by Goethe. 13:00 - A well-known incident in which Google’s nascent auto-tagging function went terribly awry. 13:30 - The ‘Labeled Faces in the Wild’ database can be viewed here. 18:35 - A groundbreaking article in ProPublica on the biases inherent in the Correctional Offender Management Profiling for Alternative Sanctions (COMPAS) tool. 25:00 – The website of the Future of Humanity Institute, mentioned in several places, is here. 25:55 - For an account of the collaboration between Walter Pitts and Warren McCulloch, see here. 29:35- An article about the racial biases built into photographic film technology in the 20th century. 31:45 - The much-investigated Tempe crash involving a driverless car and a pedestrian: 37:17 - The psychologist Edward Thorndike developed the “law of effect.” Here is one of his papers on the law. 44:40 - A highly influential 2015 paper in Nature in which a deep-Q network was able to surpass human performance on a number of classic Atari games, and yet not score a single point on ‘Montezuma’s Revenge.’ 47:38 - A chapter on the classic “preferential looking” paradigm in developmental psychology: 53:40 - A blog post discussing the relationship between dopamine in the brain and temporal difference learning. Here is the paper in Science in which this relationship was first articulated. 1:00:00 - A paper on the concept of “coherent extrapolated volition.” 1:01:40 - An article on the notion of “iterated distillation and amplification.” 1:10:15 - The fourth edition of a seminal textbook by Stuart Russell and Peter Norvig, AI a Modern approach, is available here: http://aima.cs.berkeley.edu/ 1:13:00 - An article on Warren McCulloch’s poetry. 1:17:45 - The concept of “reductions” is central in computer science and mathematics.   Brian Christian’s end-of-show reading recommendations: The Alignment Newsletter, written by Rohin Shah Invisible Women, by Caroline Criado Perez: The Gardener and the Carpenter, Alison Gopnik: You can keep up with Brian at his personal website or on Twitter.   Many Minds is a project of the Diverse Intelligences Summer Institute (DISI) (https://www.diverseintelligencessummer.com/), which is made possible by a generous grant from the Templeton World Charity Foundation to UCLA. It is hosted and produced by Kensy Cooperrider, with creative support from DISI Directors Erica Cartmill and Jacob Foster, and Associate Director Hilda Loury. Our artwork is by Ben Oldroyd (https://www.mayhilldesigns.co.uk/). Our transcripts are created by Sarah Dopierala (https://sarahdopierala.wordpress.com/). You can subscribe to Many Minds on Apple, Stitcher, Spotify, Pocket Casts, Google Play, or wherever you like to listen to podcasts. We welcome your comments, questions, and suggestions. Feel free to email us at: manymindspodcast@gmail.com. For updates about the show, follow us on Twitter: @ManyMindsPod.

Chryssy and Brian sadly bid you adieu on our Finale Episode today. Sixteen times, we have had the absolute pleasure of hanging out with each other and letting you crash our party. We sincerely hope that our insights, trials, and tribulations have in some way helped you with yours. We are grateful for the opportunity to have laughed and even choked up a few times alongside you, our listeners.The show today is all about looking forward. We spent of lot of our time on this program reflecting on our pasts, but we’re ready for a new chapter. Brian had the great idea to think of springtime on our show today – renewal and regrowth and all that. Chryssy felt that was timely for a send off.Our drink today, inspired by thoughts of spring, is the Lily. The Lily is the signature drink of the Kentucky Oaks, the horse race run the day before the Kentucky Derby. Listen in to learn a little history.While we are on the subject of horses, our final Foreplay topic was a funny one. Chryssy and Brian speculate on what they would name their horse, should Not Quite Therapy raise a thoroughbred. The jokes extend all the way back to Episode 1, and we hope you enjoy remembering some of the funny moments with us.As Brian says, “when you’re ready, you’re ready,” so foreplay is quick today and we move on into the Down and Dirty. Today we talk about our dreams for ourselves and our children as we move forward into the great ahead. There’s a little bit of choking up, so grab your tissues. We can’t end with an “Until next time,” because there won’t be a next time. But that breaks out hearts just a little, so we bid you an awkward goodbye and really don’t offer the smoothest ending. But that’s ok, when things we love end, goodbye is often hard.Thank you for being part of our journey. We have simply loved entertaining you. See acast.com/privacy for privacy and opt-out information.

As Brian and I sat down early last week to record a Full Auto Friday we had no way of knowing what would take place just a few days later. Post events in the Capital we were both bombarded with questions, with many hoping to hear our thoughts on the Friday episode. Here they are, in a stand-alone, mid-week episode.

Lessons about the art of valuations:Listen to and take into consideration expert investor perspectives: Active angels are  seeing 100 or more presentations a month, and as a result they know what valuations are normal, expected and reasonable.Ensure you are able to explain your valuation:   Being able to back up the value of the company with evidence will be extremely important, especially if you are outside the realm of normal, expected or reasonable valuations.There needs to be room for growth: As Brian said, smart investors know not to eat the whole apple. If an investor takes half of the company, what’s left for the entrepreneur?    “The best investors have a very open dialog with founders about a fair valuation and reasonable sized portion”.   Ensure that as you’re putting together your valuation and offer you leave room for growth.Episode Mentions:Books and PapersEARLY-STAGE FUNDING: OPTIONS, SOURCES, AND CONSEQUENCES: A community-based white paper for aspiring and first-time foundersStartup Community by Brad FeldHedge: A Greater Safety Net For The Entrepreneurial Age by Nicolas ColinOrganizationsSunquestMadden Media University of ArizonaFORGEUArizona Center for InnovationDesert Angels - Joann MacMasterCommunity Investment Corporation - Danny KneeCommunity Investment Corporation - Carie DavisStartup Tucson - Liz PocockWeFunder - Johnny PriceJohn Deerie - Center for American EntrepreneurshipKauffman FoundationUA VC - Fletcher McCusker

Marketplace Chaplains is a faith based non-profit serving Christ and the community through their chaplains. In this week's episode, Heather and Jamie are joined by Brian Horner, Executive Director of Operations in Southeast Houston. This organization is far more than an employee assistance program for Highpoint. It has had impact on our staff's wellness - for both mental and spiritual health. We've even used their services to reach out to our clients when we know they need support. The chaplains that Highpoint has had for a little over two years now are just as much a part of our family as anyone else. They're welcome in our office anytime and are always here to listen and pray over anyone at their request. That's the beauty of this program - it is entirely voluntary and works by reaching into your heart rather than hesitating to reach out. As Brian says, "it's not rocket science - it's a thousand little things that make all the difference." We put forth the highest recommendation on their services, and if you want to learn more you can visit www.mchapusa.com or call (972) 941-4400 to discuss the ways your business could benefit.

When you think of domestication, I bet you think of farm animals—you know cows and pigs and alpacas—or maybe house pets. You might think of corn or wheat or rice. You probably don’t think of us—humans, Homo sapiens. But, by the end of today’s conversation, I’m guessing you will. For this episode I talked with Dr. Brian Hare of Duke University. He’s a core member of the Center for Cognitive Neuroscience there, as well a Professor of Evolutionary Anthropology. Along with Vanessa Woods, he’s the author of book published this summer titled Survival of the Friendliest: Understanding our Origins and Rediscovering our Common Humanity. We talked about Brian’s research with dogs, foxes, and bonobos and how it led him to a big idea at the center of this new book. The idea is that, much as we domesticated farm animals to make them tamer and easier to work with, we also seem to have domesticated ourselves at some point in our evolutionary past. This process is known as self-domestication—a selection for friendliness. But beyond making us gentler and smilier, the domestication process also had a bunch of unexpected impacts on our behaviors, bodies, and brains. Really unexpected, like the fact that we have globe-shaped heads. According to Brian and Vanessa’s account, self-domestication was in fact the force that allowed ancient humans to develop larger social networks and, in turn, more sophisticated technologies. So it may hold the answer to why we’re still around while other hominin species—like the Neanderthals—aren’t. As Brian says at one point in our conversation, the book is really offering an account of human nature. And, importantly, it’s a dual nature. Lurking behind our friendliness—co-existing and co-evolved with our newfound chumminess—is a darker side, a capacity for real cruelty. I consider the human self-domestication hypothesis to be one of the most fascinating ideas of that last decade. Right now it’s really at the center of a lot of conversations about human origins and about human and animal minds. Enjoy!   A transcript of this episode will be available soon.   Notes and links Note: Much of what we discuss is covered in Survival of the Friendliest, but additional readings and sources are also listed here. 6:42 – Read the paper inspired by Dr. Hare’s early observations about how his dog Oreo could understand human pointing gestures. 8:40 – In one study, Dr. Hare traveled to Siberia to study a population of domesticated foxes—and specifically to ask whether they would show a predilection for cooperative communication. The long-running fox-farm experiment is the subject of a book titled How to Tame a Fox (And Build a Dog). 10:50 – Around the same time as his research in Siberia, Dr. Hare also published work examining how bonobos exhibit more tolerance than chimpanzees. 15:15 – A recent article voicing skepticism about the fox-farm research and the so-called “domestication syndrome.” 17:30 – See Dr. Hare’s 2017 book, Bonobos: Unique in Mind, Brain, and Behavior, co-authored with Shinya Yamamato. 30:00 – A long-standing puzzle in paleoanthropology is why modern human behavior—as judged by advanced tool use, symbolism, etc.—lagged behind modern human anatomy by more than a hundred thousand years. The eventual emergence of modern behavior is sometimes described as the Upper Paleolithic Revolution. 40:00 – An article Dr. Hare published along with Robert L. Cieri, Steven Churchill, and other colleagues on the origins of “behavioral modernity.” 48:30 – Steven Pinker—among other scholars—has argued that violence has declined in human societies from prehistory until today. This idea has been both influential and controversial. 58:45 – Evidence from social psychology suggests that cross-group friendships might be especially powerful in changing attitudes. Here’s one paper on the power of inter-group contact.   Brian Hare’s end-of-show recommendations: Richard Wrangham, The Goodness Paradox David Livingston Smith, On Inhumanity David Stasavage, The Decline and Rise of Democracy See also: books by Joseph Henrich and Michael Tomasello   The best way to keep up with Dr. Hare’s work is on Twitter (@bharedogguy) website: http://brianhare.net/   Many Minds is a project of the Diverse Intelligences Summer Institute (DISI) (https://www.diverseintelligencessummer.com/), which is made possible by a generous grant from the Templeton World Charity Foundation to UCLA. It is hosted by Kensy Cooperrider, with creative support from DISI Directors Erica Cartmill and Jacob Foster, and Associate Director Hilda Loury. Our artwork is by Ben Oldroyd (https://www.mayhilldesigns.co.uk/). Our transcripts are created by Sarah Dopierala (https://sarahdopierala.wordpress.com/). You can subscribe to Many Minds on Apple, Stitcher, Spotify, Pocket Casts, Google Play, or wherever you like to listen to podcasts. We welcome your comments, questions, and suggestions. Feel free to email us at: manymindspodcast@gmail.com. For updates about the show, follow us on Twitter: @ManyMindsPod.

Anette visits with long-time educator and friend, Dr. Brian Woods, superintendent of Northside ISD in San Antonio. His perspective of running a large, diverse, urban district, now during the Covid crisis, demonstrates the many challenges faces by districts across the nation. As Brian says, multi-year remediation will be required for many students going forward. Article discussed is here. Dr. Brian T. Woods, a longtime Northside ISD educator, became Superintendent in July 2012. He began his career in Northside in 1992 as a social studies teacher and has also worked as an Assistant Principal, Vice Principal, Principal, Assistant Superintendent and Deputy Superintendent. Dr. Woods has a bachelor’s degree in political science from the University of Texas at Austin and a master’s degree and doctorate in educational leadership from the University of Texas at San Antonio. Dr. Woods is President of the Texas Association of School Administrators and is a member of the Go Public Steering Committee, the Board of P16Plus Council of Greater Bexar County, and the San Antonio Chamber of Commerce.  He also serves as an officer in Texas School Alliance. Dr. Woods and his wife Meredith have a son who attends a Northside ISD high school.

The difference between a fire truck and a fire engine, and more! Mr. Brian Failing has a wealth of knowledge and it was great speaking with him and learning about all he does. This is a location that has been a great feature of our downtown. From family fun and learning to special events the fire museum delivers. Intertwined with the rich history of Aurora, the stories and associated histories of dates & events make Aurora unique. Located at 53 N. Broadway in downtown Aurora, stay tuned to the virtual events coming! Now there are spooky moments in the interview as well; miscellaneous electronics coming to life! As Brian also mentioned, support local! From our museums to our restaurants & the arts let's all pitch in to help each other! Shout outs go to our friends at ACTS (A Call To Shoulders), TW (Tredwell) & the Cotton Seed Creative Exchange. The Unruly, shouts go out! Much love to all of our friends, listeners and subscribers. Next week we unveil something new so stay tuned for that. Shouts also go out to Fox Valley United Way (friends). Don't forget it's still Breast Cancer & Domestic Violence Awareness Month. Donate, volunteer or make a contribution if you can. Be blessed and strong and we'll see you here once again for another great episode! --- Support this podcast: https://anchor.fm/goodmorningaurora/support

As Brian looks to the life of Jesus, he identifies key traits that Christian leaders should carry. He compares leadership methods that don't work anymore and those that are needed in this hour. Brian urges us to be led by the Spirit and the Word of God in order to live the culture of the Kingdom. This podcast is from Brian's weekly Culture Shift zoom calls.

As Brian looks to the life of Jesus, he identifies key traits that Christian leaders should carry. He compares leadership methods that don't work anymore and those that are needed in this hour. Brian urges us to be led by the Spirit and the Word of God in order to live the culture of the Kingdom. This podcast is from Brian's weekly Culture Shift zoom calls.

As Brian continues his series on dating and marriage, he holds a discussion panel with the Nick and Emily Brennt, Zach and Kayla Nash, and Chase and Lindy Cofer. The couples share how they ended up together, what it looks like to have fun in a marriage and the harmful effects of pornography. This podcast is from Brian's weekly Culture Shift zoom calls.

As Brian continues his series on dating and marriage, he holds a discussion panel with the Nick and Emily Brennt, Zach and Kayla Nash, and Chase and Lindy Cofer. The couples share how they ended up together, what it looks like to have fun in a marriage and the harmful effects of pornography. This podcast is from Brian's weekly Culture Shift zoom calls.

In the past, real estate investors didn’t need to worry about getting sued. Now, it’s becoming part of the cost of doing business. Asset protection has become the front-line defense against predators who abuse the legal system. In today’s episode, we dive into the subject with Brian T. Bradley, a leading and asset protection attorney for real estate investors, and high net worth families. Brain explains how the likelihood that you get sued increases the more your business grows. Having talked about the need for investors to protect their assets, we explore the different forms of asset protection that can range from deliberately carrying debt to establishing an LLC in a different state. After touching on how asset protection can get you to the negotiating table faster and in a stronger position, Brian unpacks the practical steps that investors should take to protect their assets. We discuss the pros and cons of onshore versus offshore asset protection and how Bridge Trusts offer the best of both worlds. Brian then talks about why hitting a net worth of $500,000 substantially increases your risk — it’s just enough to get sued but not enough to easily recover from it. We dispel common misconceptions around asset protection and Brian provides step-by-step information on the topic, including what happens to your money when you place it into a trust, and the average costs of asset protection. Tune in to hear more about asset protection. As Brian can attest, there’s no point earning money if you’re not able to keep it. Key Points From This Episode:Exploring Brian’s acclaimed career as an educator and asset protection attorney.What ‘asset protection’ means from a real estate perspective. Why lawsuits are an increasingly large issue; never have anything in your name. Brian unpacks the roadmap for the different forms of asset protection. How judges have broad powers to reach your assets, even when lacking legal authority. The asset protection steps you should take when you’re an entry-level investor.What an asset protection trust is and how it’s different from other trusts.The pros and cons of offshore versus onshore asset protection strategies. How US courts don’t always acknowledge the precedent of the state your trust is set up in. The best of both worlds: setting up Bridge Trusts; a hybrid onshore, offshore model. Why hitting a net worth of $500,000 substantially increases your risk. Common misconceptions that people have regarding LLCs and asset protection.What happens to your money when you transfer it into a trust. The four layers of asset protection: LLCs, asset management companies, asset protection trusts, and insurance. Limits to insurance companies and how they might “wiggle out” of claims.Dispelling more myths around asset protection. Why you should always seek professional help when it comes to liability.If you enjoy the guests and content please subscribe and leave a review. Your reviews matter and each one has a major impact on the success of the show!Want to get more investing resources?Visit kentritter.com for more free passive real estate investing resources including videos, blogs, and tools visitInterested in Investing alongside my firm? Contact me at kritter@birgeandheld.com.My company Birge and Held Asset Management have a twelve-year track record creating sustainable wealth for over 2,000 investors through high-quality multifamily investments.https://birgeandheld.comThank you for listening!

Executives like Brian White, Herschel Supply's new Senior Vice President of Global Sales, bring a huge amount of experience and energy to the companies they work with. At the same time, the kind of companies who seek out people like Brian give them the freedom to bring their A game. As Brian says, "My job was to represent the brands, but in a lot of ways, they helped to define me. My reputation is really driven by the strong brands that I've worked for."The fashion industry is notoriously fickle, yet Brian has worked for companies who had incredibly strong brands with a real and lasting sense of themselves:Ride SnowboardsGlobeHurley ClothingNixonNow, he's joining the hugely successful Herschel Supply based in Vancouver, Canada. Brian said, “It's my perfect scenario - a strong brand widely recognized and positioned for growth. We are already doing amazing things.” Knowing Brian and now getting a good sense of Herschel Supply, I have no doubt they'll set the bar high as Troublemakers in their industry.

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/ Alex's Email: alex@lifechurchlivonia.orgLifeKids Email: lifekids@lifechurchlivonia.org

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/ Alex's Email: alex@lifechurchlivonia.orgLifeKids Email: lifekids@lifechurchlivonia.org

Head with the RBO team to Big Sky Country in this episode. This is one area where Brian, Brad and Bryan have a ton of experience. In this episode the Rolling Bones team will take you on a tour of the county's largest western state that is a haven for big game hunters. From the open plateaus and breaks of southeast Montana to the Bob Marshall Wilderness you come away form this episode with a clearer idea of how to plan your first, or next, trip to Montana. The state boasts thousands of acres of public lands with species from elk, to antelope, bear, mule deer, sheep, Shiras moose and mountain goats. The episode will touch on buffalo, upland birds and fisheries as they survey the lay of the land. Also learn about licenses and tags. As Brian likes to say, you get into Montana and Montana gets into you; you'll want to go back again and again. You'll want to save this episode for future reference.

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/ Alex's Email: alex@lifechurchlivonia.orgLifeKids Email: lifekids@lifechurchlivonia.org

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/ Alex's Email: alex@lifechurchlivonia.orgLifeKids Email: lifekids@lifechurchlivonia.org

The book of Philippians was a letter of encouragement, guidance and love from the apostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us the same encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection card here:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Vision Meeting Details:Tuesday 7/26 and 8/4 at 7pm. No childcare provided due to social distancing protocol. Please pick one evening to come and RSVP to alex@lifechurchlivonia.org.Address for event: 9101 McClumpha Rd. Plymouth, MIPastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/

The book of Philippians was a letter of encouragement, guidance and love from the apostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us the same encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection card here:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Vision Meeting Details:Tuesday 7/26 and 8/4 at 7pm. No childcare provided due to social distancing protocol. Please pick one evening to come and RSVP to alex@lifechurchlivonia.org.Address for event: 9101 McClumpha Rd. Plymouth, MIPastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/

The book of Philippians was a letter of encouragement, guidance and love from theapostle Paul to a church he planted in Philippi. As Brian ends his time here at LifeChurch Livonia as our church planter, he leads us through this book, giving us thesame encouragement, guidance and love.To connect with us more at Life Church Livonia, you can fill out our connection cardhere:https://lifechurchlivonia.breezechms.com/form/7255fcTo give online to LifeChurch Livonia, click here and then click "Give Online":http://lifechurchlivonia.org/ then click “Give Online”.Pastoral Transition Information:http://lifechurchlivonia.org/pastoral-transition/

June 26th, 2020   |   The Hockey Betting Podcast On the latest episode of The Hockey Betting Podcast, Brian Blessing and Cam Stewart shake their heads at the delayed announcement of hub cities. While we don’t get hockey games to bet on, we will get the NHL draft lottery tonight at 8 p.m. ET. As Brian says “It’s a great day to be a Sabres fan!” Yes, there are a few laughs on today’s episode. We’d like to thank BetCris Canada for their support of The Hockey Betting Podcast. Listen to the latest episode of The Hockey Betting Podcast to get all of Brian and Cam’s updates and humor. NHL Hub Cities Remain Mystery and Hall of Fame Debate The NHL was supposed to announce its hub cities last Monday but now the process and the announcement continues to be delayed. One thing for sure is that Vancouver will not be selected due to their strict government policy for COVID-19. The guys agree Edmonton would be a great choice. Meanwhile Toronto boasts a multitude of choices as far as game sites. And New York would be an intriguing potential wild card hub. Another complication is which players won’t want to play at what hub cities? One thing that we do know is that everyone is fed up with the hemming and hawing and is ready to drop the puck. Listen now to this episode of The Hockey Betting Podcast for an assessment of where things stand in the NHL. The guys then turn to the NHL Hall of Fame selections and the disgrace of Alexander Mogilny not getting in. The Hall of Fame has a rather stodgy and plodding process that is very political and often misses the mark. Listen now to this episode of The Hockey Betting Podcast for a riveting discussion. We’d like to thank BetCris Canada for their support of The Hockey Betting Podcast. Make sure to listen to The Hockey Betting Podcast as Brian and Cam keep you informed and entertained while we wait for play to resume in the NHL.

Let’s take a walk on the wild side and talk about mass movements, psychological warfare and just being down right nasty! As Brian will tell you, there is a lot you can learn from those who may not have the best of intentions for what they do. Sign up for a Strategy Session Today➡️ BrianJPombo.com/Amazon

At this point it is widely accepted that Ikoria Limited's shining star is the cycling deck that features uncommon build-arounds like Flourishing Fox and Valiant Rescuer; super-efficient red removal like Flame Spill and Fire Prophecy; and other key cards like Drannith Stingers and Healers, Ominous Seas, and Zenith Flare. There is a plethora of cheap options all at common or uncommon. As Brian and Zvi get to the rare and mythic cards in their set review they do so with an eye to how many of the pricey rares rise above the high standards of the pauperific staples of the cycling deck. How many cards in the rare slot would YOU take over a Flourishing Fox? Over a Fire Prophecy or Pacifism? Play along as Magic the Gathering Hall of Famer Zvi Mowshowitz digs into which ones rise above the bar for him. Your hosts: Brian David-Marshall - @Top8Games Zvi Mowshowitz - @TheZvi --- Support this podcast: https://anchor.fm/top8magic/support

James: Hi audience and listeners this is James Kandasamy from Achieve Wealth through Value at Real Estate Investing podcast. Today I have Anton Mattli from Peak Multifamily who is one of the leading multifamily financing agencies. Anton is a CEO of a big multifamily funding. He graduated from Zurich Business School. He's from Switzerland originally, love Switzerland for the view of it and he has been advising family officers’ high net worth individuals and has done billions and billions of dollars of loans. Anton and I was discussing before this interview started saying it's not fair for lenders to declare how many billions they have done because that can be a lot of money but the experience level and the knowledge and the acumen of the industry matters a lot when you're doing financing. Hey Anton, welcome to the show. Anton: Yeah. Hi James. Thanks for having me. James: Absolutely, absolutely. Actually we are having, originally I planned to have a meeting with you to talk about what could happen similar to 2008 crisis because we have been talking about it for past few months, but now we are in the middle of corona virus recession, I would say and we are in the first or second week of this happening. So basically we don't have to predict what the recession can be, but we can predict what are the outcome from this event could be. I think a few months ago you and I have a lot of discussions about how the market would turn, how dangerous is the market right now in terms of operators or sponsors or syndicators buying things because overleveraged, overpriced and all that. What were your thoughts before this Covid19 recession came about and how was your state of mind in terms of how the economy was and how everyone was buying deals and we'll go into the details on Covid19 and what's happening now? Anton: Sure. As you write on the operator side have seen quite a number of deals that for me personally didn't make sense but I didn't know a deal was financeable from a lender perspective, from a debt service called [02:36unclear] particularly when it's an agency loan, does not necessarily mean that it's a good deal from an equity investor perspective. Even though we were able to finance some of these deals with a number of them I would not have felt comfortable to invest in those deals. There were plenty of deals that still made a lot of sense, so don't get me wrong, it's not all of them, but there were only the number of deals that in my view, didn't make sense over the last two years, only have increased dramatically compared to before. At the same time we have also arranged bridge loans and as you probably know, bridge lenders, they're extremely active. They have taken a major activity uptake over the last few years.  So there was a lot of competition in the bridge lending space, which meant that you were easily able to get 80% of cost for your C class property and sometimes in really tough locations and bridge loans make perfect sense when it's a true value-add deal. When it's not really a value add and it's mostly to do with soft rehab, but you feel that you get the agency loans when you need it and you go with a bridge loan, then I think it was much more problematic. So with that obviously we have seen quite a number of these bridge loans and deals that I believe particularly in the current environment will likely struggle. Because this bridge lenders they are not like the agencies and that came down now with the forbearance offer. Don't expect that from bridge lenders. James: Yeah, I know. It's crazy. Now I feel so happy. I'm all in [04:41unclear] for the past one and a half year I've moved to [04:45unclear]. So are you saying on the bridge side there is no forbearance or what's happening on the bridge side with the Covid19 crisis right now? Anton: Well as a general rule, bridge lenders have never been; some of them, the good bridge lenders they have always been willing to make adjustments when they see that a borrower is behind of the original plan, the ones that are really in there as a partner, they have been willing to cooperate and I think those lenders, and they are not really that many among all the bridge lenders that are out there, they will continue during these times to help a borrower to get through that time. But the majority of bridge lenders are not maybe staying, very often it's not their own money so they essentially have orders behind that that they buy into and they have kind of an obligation to fulfil that loan agreement to the letter and their investors demand that they fulfil their obligation as per the loan agreements.  So some of them are very aggressive just by nature and the others have to force from the investors they have the loan funded from do actually go into enforcement or you can call it loss mitigation as the nice term sounds with these loans very forcefully and very quickly.  So now maybe the [06:25unclear] is a little bit of a shine of positive light here that they may say, look, yes, we could foreclose right now, but maybe it's not a good time to do the foreclosure now anyhow so let's just go through another couple of months and then see if we want to foreclose. But it's still in my view that just kicked the can down the road for a very brief period of time until they go all way in with their loss mitigation process.  James: But I think it only depends on what's happening in April, right? I mean, we have another 10 more days to go [07:03unclear]. But in general, I am already seeing even in my properties, they are residents who are declaring that they can't pay and this $3000 a door family units. I'm not sure, as you mentioned they're going to use it for rent or is it one time? I'm not sure for how many months is that? But the thing is the delinquency will be higher. So I believe the sponsors or syndicators who are halfway to value add and right now they are not done with the value add. So their value add might be struggling. If it goes below certain level, they're going to be stuck because it's going to be negative and as you mentioned, bridge lenders are or private people. They have the obligation to whoever gave them the money.  Anton: That's right. Yeah. So if you have already a property that is, let's say a third empty because you planned all your rehab, even if you do rehab, a lot of tenants that you now can attract and so you would have to attract them with very aggressive terms. If you find them and then you still know that at that level that you need to be based on your performance, which the lender wants to essentially base their decision on to release more rehab money for future doors. So then essentially that rehab money sits with the bridge lender, you have not performed as per the loan agreements. So if you want to go ahead further, you need to inject more equity. James: Yeah. It's basically... Anton: It's kind of a vicious cycle. James: Yeah, it's a downward spiral because now I believe on the bridge sites, a lot of loan are based on LTV, loan to value and they're going to assume the values are going to drop. Because now your rent is going to drop [08:54unclear]. Anton: Yeah. It's a combination of loan to value, but as you go through the draw process, it's more driven by some amount of collections that you need to achieve and why and then the dead deals that you need to achieve with that. So it's a little bit of a different measuring sticks. But at the end of the day, it doesn't really matter what you use, it's maybe hard to achieve these points that you need to meet at some point in the timeline, then you property is not performing and so the reality is all these bridge loans they typically have very aggressive timelines to start with. So if you fall behind just by a couple of months, it can become very problematic. When it says after six months we should achieve this and you are essentially behind by two or three months and it continues to go in the same direction as you fall behind once you are at the enrolment then, and so long. So I would say the ones that have enough cash on their own that they can inject as needed, they will be fine. So the ones that suffer the most are the sponsors that just kind of get by with their own personal financials and they don't have the ability to inject a couple of hundred thousand as needed to get the ball rolling at the property. James: Yeah. But it is tricky, right? Right now, I mean most sponsors can use this Covid19 and burn the equity and get out or they can keep on injecting and try to; because no one knows what's going to happen in the next six months. So it's a gamble. A lot of sponsors or syndicators need to take whoever on the bridge loan if they need to continue injecting more money or give it back to the bridge lender. But right now they have a valid reason. They can say the whole world is collapsing. I'm getting out now.  Anton: Yeah. If you're a syndicator. So you essentially can ask your investors, look, we are in really deep trouble. Do we want to inject more money? Generally I would say what typically should happen is that you do a capital call and if no one wants to do it, then you would have to lend yourself or you come up with the equity yourself. But in most instances it's not equity, but it's more a loan by the partners. But again, that all requires that the channel partners actually have the cash available if we lend to the property and a lot of them I've seen out there they don't have that capacity. So they'll be very interesting. Obviously that always assumes that things really get bad but we don't know yet. Maybe it's a miracle and all that stimulus money somehow entices these tenants to pay the rent. Obviously I hope for you and for everyone else who operates properties that that's going to happen. But based on history I don't think that that is really going to happen. I think last night I do have Brian on and he was referring to the situation during the hurricanes in Houston and that's a perfect example I would say but you cannot compare with 2008, I think we all agree with that, but certainly what happened with Harvey and the flooding is probably much better comparison. Because everything had to be shut down. It was very localized, but it had to be shut down. As Brian correctly mentioned like the properties across the board suffered with delinquencies. So I would say we will likely see that we just do not know yet how big the percentages by asset class and by location. I think it will depend a lot on locations obviously places like the Northeast, the greater New York City areas only suffer more. Same thing in Washington State, in Texas we would have to see how bad it is. Obviously we have also the additional element of oil and gas that has laid a massive negative role here for us in Texas, particularly for the property owners in Houston and we don't even have to talk about Midland and Odessa. But even in Houston it's only something that will in addition to Covid19 will have a negative impact on these properties. So it will be very fascinating to see how the performance looks like in the next a few months. James: Yeah, I'll get a good indication in the next 10 days. But we are already getting our property managers to start probing with tenants and who's having trouble and all that. So we are compiling that, trying to understand and trying to work with them. Some kind of payment plans. That's what Texas apartment association or we call it TAA has given us guidance. But I think a lot of it depends on which sub market you are in. I mean, I know sometimes we use and it depends on and then people think, okay, my property's good but there's a lot more details to it. So whether you have a base manufacturing in that area or not, or whether you are CTO or whenever you invest it's a lot of its service industry or not a service industry is dead right now. Las Vegas, we used to be the best place to invest before two weeks ago, but up until now, the whole Las Vegas is closed down. I'm sure you people don't have money there because they are both more leisure business and gambling, hotel business. So basically there's no money, so within two weeks, things change now. So compared to places where there's a lot of manufacturing happening, this diversity of employment, you can still reduce the rent slightly and then you still get people who can pay because they are still being employed. Anton: That's right. Yeah. Yeah. And if you're right next to an Amazon logistics center, you're probably good. James: Correct. Correct. Correct. Absolutely. Absolutely. I am still getting rent right now, up to now for the past two, three days, I'm still getting rents for April, so that's a good sign but ours is all automated. It's all virtual. So probably they already set up, the ACH is all coming online, but we'll know more in the next 5 to 10 days, where it's very interesting times. But as I say, I mean last time, everybody was doing very well because the market was doing very well. Right now no sub market location becomes very important and the good thing is whoever has this agency load, I think they have many ways to weather this; either take the forbearance or just ride it through because your loan is there. But guys with short term loan, this is very, very tricky right now and you talked about the bridge loans and all that. Do you see the same issue with loans on credit union, the banks, small banks and all that? Do you think they still have issues similar to bridge loan guys? Anton: No. I mean, what we have seen was actually so far has been very positive where particularly these small credit unions and banks have been very cooperative in finding solutions better rates for barons. And that seen before it started. Why it's almost like, okay, we understand, we are reaching a now a tough period of time and that you're willing to either modify it along to stretch it out to lower the right. So they feel very at least a good number of them that we have heard back from, from various borrowers have had a very good experience there. James: Got it, got it. So are they being managed by a FHK well? The small banks and credit unions? Anton: No, it's all balance sheet based. So these are really the easy loans to long straddle which unite the loans and then secured the heist then too, they are in the same boat as I would say all the other loans that are out there. I'm talking the ones that typically it's more the small loans somewhere in the $300,000 to maybe 2 million, 3 million range. So not really the large lumps, they are some exceptions there but they are loans that are not a significant burden on their balance sheets and it's much better for them to work out these existing lumps that they have on the balance sheet that are on the basis of still that we sound them just going through a hard time but they are willing to work it out with the borrowers. So that's really for the ones that are on balance sheets and the ones that really have had success, the borrowers or the ones that have already very good established relationships with these banks. So they know the owners or the branch manager and that brings us back to that relationship. Now is more important than ever. Whether you do a new loan now or whether you already have an existing loan, the way you will have managed your relationships, whether it's your tenants, whether it's your property management company, whether it's your lender. Now that all comes back to you but if you treated them badly, they will remember if he treated them well, they are more willing to work with you. James: Yeah. And just for the audience, I mean, if you guys read my book, Passive Investing in Commercial Real Estate, I did very, very specifically mentioned that bridge loans may not be the best loan during the market peak. I'm not sure how many people read my book, but I did mention it there and that was written like two years ago. As I say, I stopped doing it just for my peace of mind and I want to make sure that I protect my investors’ money as much as possible than doing these flips at the end of the cycle and giving them; taking  large risk and trying to do a flip at the end. I rather go on a much better, safer bet with the better finance strategy. So when was this triggered to you? I know we are talking about; I think we are like two weeks into this crisis right now. But this happens so quickly. When did you feel like, okay, we are in trouble right now because you and I spoke and we had like 12 different reasons why the market can go bad. We have Brexit, I don't know if we have 12 things. I can't remember what the exact things. We had so many things we laid out what could go wrong, but I believe this is completely out of the norm. A medical health issue, a virus infection that's causing everybody to stay at home. I mean, is that right? When did you start to think that, oh my God, this could be the next recession? Anton: Yeah, I mean, we have seen already pressure in the system for a while, where we have seen that already [21:06unclear] was an issue and in the banking system we have seen it already last fall and we have seen it in January and February. Just because of the all whole world view that we have reached a point where everyone is getting more concerned. But it was still possible with the fad essentially doing all these liquidity measures in the past, as soon as there was the slightest view that there might be a little bit of a slowdown. So they were able to essentially put as much liquidity into the market as they needed to. Now, I would say the current situation and where we are now on the lending side really has started just about two weeks ago. It's not that it really built up. Obviously everyone was watching what was happening in China and then slowly in Europe. And as it was building up in Europe, suddenly the clouds came out. But you may recall at that point the treasuries dropped significantly. The fed already dropped the rates once and that actually resulted in some of the best time to borrow and to refinance. So that we had maybe a period of two weeks, maybe three weeks. But I think it was just around two weeks. Then we were able to get essentially 10 year and 12 year loans at close to 3%. I know someone that was not arranged through us, but I know someone who bought the rate that was below 3%, I think it was 2.94 or something like that and that lasted really just for a brief period of time until two weeks ago and everyone realized we have a problem and that problem really just was shown again in the market that there was no liquidity. And the fed will stay in coming out with their one and a half trillion injection where they said we are going to buy as much treasuries as we need and we are going to buy commercial papers and that still didn't do anything to the market. And then so the spreads started to do tighten on the agency loans at that point and then we were up into the mid two, three, 3% in Olin rates. And then this weekend and the lamps, as you may recall last weekend, that we, the fed announced that they are now buying also agency NBS for as much as it is needed. So now obviously the hope was there that they would provide the contents to the market that was so much liquidity that they are willing to put into the market that no investor in these NBS should be concerned and that that would stabilize at least the multifamily market. Always leave a half note to say that they will buy all the commercial mortgage backed securities like hospitality or retail based NDS. But it still did not help when it came to the agency side. And I would say that was probably the biggest surprise so then that deal ended on Sunday and then on Monday the agency spreads actually went up by 75 to 100 basis points. So, even though they announced it that they will buy us many agency mortgage backed securities as the market needs to get the liquidity in the market, obviously they didn't believe it and spreads moved up even further and we all still in the same situation today.  So if you wanted to get into new agency loan today with the new Fannie loan, ten year Fannie loan, your rate will be at four and a half percent for a large Fannie loan that passed some form of, as we call it, permission-based, like with affordability elements to it. If there was no affordability element to it, you're probably closer to 5%; and that's coming up from just three weeks ago when we were at the low threes. That's all grim because the markets, there are no buyers out there, so no one is able to price right now. Obviously the hope that that will be sorted out and I think as market participants see how the impact on multifamily is going to be in April or May it will calm down because then they understand how big that impact is and are able to determine where the priority should be, but until then, it's essentially there is an old one that is buying. That puts Fannie and Freddie in a very difficult position because obviously they are obligated to buy that loan from a lender that originates that loan and then they need to securitize it and sell it. They do not want to keep it on their book.  Even if they keep it on their book, they still have half the credit risk transfer buyers that they are going to so they're good. Fannie score has always been that they will find and Freddie too that they find other risk participants and in order to find them, the loans need to be priced so that these risks, participants are willing to buy whatever share of risks that they are participating in and right now, no one is willing to take that risk. James: I know it is crazy. I mean where we are looking at to do deals or to refinance should wait a few more weeks or because, I don't know, a few more weeks or months or what do you [27:43unclear]? Anton: Yes. I think for refi is in my view is easier. Why? Because you are not really under immediate pressure unless you're really in a very difficult financial situation. But then it's probably the last thing to consider refinancing now. I would wait on the refinancing side until the market has calmed down. Why would you want to now deal with an interest rate that is four and a half to 5% when the 10 year treasury holders are under 1%. If the market calms down, there is a reasonable expectation that the spread narrows again and that you're back down. Maybe not to the three and a half, but maybe in 4% or four and a quarter. It is such an uncertain time, but in my view it just doesn't make sense to campaign and apply for refinancing. Also the other point is since your future collections are still taken into consideration. If you apply today, a lender may underwrite your T12 up to March and everything looks great and as April and May and June come in and if the drop is pretty significant, that will impact your loan proceeds at that point too. So not only have you applied for a loan potentially at a very high rate but now with the loan proceeds are getting customers. There is so much uncertainty that in my view just doesn't make sense right at this point unless it's an absolute emergency to do so. When it comes to acquisitions I mean it needs to be a blazing deal in my view to even consider an acquisition. Because you have the same situation. How you negotiate with a seller? What clauses can you put into a contract in terms of occupancy and in terms of collections that a seller would feel comfortable with, but you are also comfortable with? Because that's really what you should do, in my view, if you go under a new contract, you should say that the occupants who need to be at certain level and the collections need to be at a certain level. And if not, then it's going to be through a re-trade.  If you don't have that, then I think the risk is just too high. And on the other side with the loan, it's essentially the same thing. So yes, you can apply for that loan, but unless you have these clauses in that PSA, you'll run the risk that you go in for a higher price. You should reprice the seller, but you cannot. But the loan amount is still being cut. So my recommendation is if you find that deal the first step is we need to get these clauses with the seller and the PSA. And if you have these clauses the way out, then you need to decide whether it's worthwhile to spend, let's say 20,000 in loan application fees and all that that you may lose. But that's ultimately the session that depends on that you feel that deal is so good. So I wouldn't say don't do it, but have these clauses in that PSA that allows you to re-trade with the seller that essentially then reflects the lower loan proceeds that you would likely get the occupancy and collection slow. James: Got it. Got it. Got it. Yeah, and also, I think it's a very tricky situation. You want to raise money but I'm sure if you find a deal, which is screaming good and you fear an experienced operator, you probably can raise the money. But it's just so uncertain right now and I don't know whether you probably already know this, I heard Fannie Mae right now is asking everyone to put like 12 months principle and taxes and insurance into escrow, I guess, right? Anton: Yes. Up to 18 month. It depends on the tier, if you're on tier two; it's up to 18 months. It's massive. At least I say it's cap that 10% of the loan amount, it's a massive amount. So obviously what does that mean? Now you need to raise more money. So you've likely also, I would say there haven't really lowered the LTV or increased that service, Coleridge recline that may come too but I would say it's more on a deal by deal basis anyhow now but let's assumes they are still in place that you still get can get these maximum leverage and the same service coverage. Just the fact that you have full these escrow that you need to build is a on top of the higher interest rate deal, which means that you need to get the lower price from the seller, there is just no way around. James: Yeah. Yeah. I think Fannie is just saying we are actually out of the market, but if you can meet this, we maybe come back. Let me just basically break it down. Anton: Yes, that's right. Yes. Yes. So actually that's always the conventional Freddie side and Fannie on the Freddie SPL side. I mean there has nothing being communicated officially, but there are solely some rumours that Freddie may stop any new origination for a certain period of time just to see their things all settled. So it will be again, the next few weeks will be extremely fascinating to watch how the market participants will from tenants to operators to lenders respond and right now we just do not know, but it's already extremely difficult even to get an agency loan into place that makes sense. But also would say it's really dangerous if someone still seek quotes from brokers and lenders that come in at the three and a half percent, because I guess they often threaten you or just to get the borrowers into the door knowing that it will be re-traded. That is another thing that borrowers really need to be acutely aware of. Do not trust any quote until you have it validated and validated, ask the broker, ask the lender multiple times, is that still valid?  Again, what we said just a couple of days ago is already outdated. It's important to be really on top of it and know what the current situation looks like. So maybe just to go quickly back to the forbearance discussion. Obviously it's a very attractive program. It's good news when you have agency loans, but I still would caution to use that forbearance and just would, because you can. Both Fannie and Freddie obviously they have implemented it.  It came down from FHA, so it was not really Fannie and Freddie that wanted to do it, but it's essentially a government driven decision that it's necessary and I think it's the right thing to do and it's a very good backstop for all the operators. However, if you operate the property in a good fashion or take it if you have owned the property already for a year or two years you should have enough operating reserves to get through a month or two without having already to suffer so much with let's say a 20% or even 30% collection loss that we needed to go back to the lender and ask for forbearance.  Now could you do it? I would say you probably could, but generally speaking I would say you really should only go back when you see that you are getting close to the 1.01105 of that service cover and essentially make a case, look, it's all bad at my property. I have a collection drop for 40% or whatever it is, I need your help. But if let's say the drop is 10% or even 15%, even 20% and you go right now to Fannie and Freddie they may agree to it, but I think it will be a negative Mark with them down the road when you go for a new loan that they feel that you really haven't attempted to work out the solution on your own first before you lend to them. So I will just to be a little bit careful there in how quickly you want to pull that trigger.  James: Yeah. Yeah. And also forbearance is not free. You have to make sure you don't even meet the person for 90 days or whatever time that you're getting that forbearance.  Anton: Yeah. That's actually an interesting part. So with Fanny, it's actually not just the 90 days. If you have that forbearance, so you're allowed essentially you have that 90 days and then you can pay it back over a stretch off twelve months without any late fees and interest charge on it. Now, Fannie has communicated that you are not allowed to extend the 90 days of forbearance, which is obvious, but also that you're not allowed to be late until you bring the loan current, which includes that 12 month of repayment period if you choose to scratch it out for the 12 months. Now, Freddy so far only refer to the 90 days. I suspect that they just forgot to mention that by the way, you need to bring it current. So I have seen it on Facebook and in some other places where people say, well, Freddy is easier because you only need to have 90 days. The eviction is halted and then you can do it again.  I suspect Freddy will probably also come out and announce that you need to bring the loan current and only then are you allowed to run your evictions again. So in other words if you want to or if you need to go back to normal that your property allows to do action, the property manager, you essentially do pay after these 90 days, then if you do not and you want to stretch out for an another three month or all the way up to 12 months, you essentially have potentially 15 months at your property. They cannot do any of evictions at all.  James: How do they track whether you're doing evictions or not?  Anton: I don't know how they... James: There's no way to? Anton: Well always a way that they can, I'm pretty sure that they all have access to the local court system and validate that you have not filed any evictions.  James: Got it. Great. Yeah, but somehow it may trigger bad [39:49unclear] if you go and not follow the agreement [39:53unclear]? Anton: That's a good question.  James: You can only say you violated our agreement, so... Anton: Maybe it's not triggering the bad [40:02unclear] but don't go back to Fannie or Freddie if you didn't follow these rules to the dot.  James: Okay. Got it. Got it. So it's just so crazy. So I mean are you already seeing that a sponsors and syndicators are getting bridge letters for people on bridge? I mean it's still very early right now to say?  Anton: No, we haven't seen anything, what we have seen is that the number of bridge lenders walked away from their loans at the last moment, I mean there are several bridge loans that we know of. Lucky for us it was none that we were arranging, but I know of a number of a sponsors that had bridge loan commitments in place that are supposed to close within a week to two weeks and the bridge lender said sorry we cannot fund. So these are situations that have happened already. It's more that lenders essentially have pulled out, but we haven't heard anything yet on existing loans that are in place by then. It's really too early. We need to see how April comes in and I would say probably takes until May until things get really bad, if a property has a massive loss of collections.  James: Based on your experience, because you have gone through 2008 and you have been in the industry for a very long time. Let's say right now Covid19 is gone within one month, so everybody start going to work, what will the impact be as we move forward to the financial market? Because that's a big shock happened in the financial market. There are a lot of people, who didn't have income for one or two months, is there a downward spiral or are we a good back again, the sun shines and everything goes back to normal. Where do you see it? What would happen? Anton: I wish I had a crystal ball, but I think the harder we land over the next few months. I think the quicker the upturn is going to be, but I still feel that they probably will take 18 months to two years until we are truly stabilized. I know some feel that everything will jump back up again right afterwards. I think the damage to consumer confidence will still be a lingering around for quite some time. Yes, there is that pent up demand for some items, but places will still suffer particularly the small businesses, some of them really are suffering tremendously and some of them are not able to come back and also I think a lot of the service employees, restaurants will be very slow in hiring. It also the reason to keep wages lower so it's the impact I think on the GDP or we probably go through obviously little jump up very quickly, again, form from a deep drop, but this year it definitely will be negative in my view but Goldman Sachs talks about roughly 3.8% for the year after a 25% drop. I think Morgan Stanley in talks about a 30% drop, who knows? But I think when you look back on 2008, also when you look back into the savings and loan crisis I haven't been around for the actual savings and loan crisis in the past but I was when I first started out in New York in banking, I was involved with a lot of the workouts of loans that went through in the early nineties that were caused during the savings and loan crisis in the 80's. So it still took several years to get out of that. And as we have seen in 2008 it took a long time to get back running. Yes, it was a very different situation then, but here the shock, in my view, is so much faster and also it's at the global level, the global economy is suffering so much and a lot of the US companies are dependent on global rate too. So everything just will take much longer to recover. That's my personal view and again, I think it probably will take two years, 18 months to two years just to fully stabilize.  James: Got it. Got it. So yeah, that's a lot of discussion about, H=hey, this is going to be a sharp V. So we go down very quickly we're going to come back and everything is normal. Even the government saying our economy's going to be roaring back again and everybody go back, it's normal again, but what you're saying is in terms of recovery, a lot of us businesses, global trade, yes, impacted, maybe the hiring would be slowed down because the profit has been lost I guess. They want to be careful, I guess. But for example, let's say a restaurant has been closed down for two months, so the third month they open again, back to business again. So do you think that will be slower in terms of hiring as well? I mean, because they're back in business. I mean they probably have two months of rent that they didn't pay.  Anton: So it won't be very interesting to see how the human behavior is going to be at that point. So particularly the first six months to nine months. So you have seen that if all the governors at federal level to say now we all clear, obviously the virus is still lingering. So I think people will still practice a little bit more of that social distancing. Everyone is a little bit more careful. Personally I feel air travel will probably not pick up nearly as fast. Why? Because everyone feels why should I want to be in that airplane with other people next to me, I cannot really walk away. Also I think launch events will have a much harder time to come back. It's really hard to tell but I just feel based on all the downturns we have gone through. Very often people say, well it comes back fast and I think the initial recovery undoubtedly will be extremely strong. I think there is no doubt about that because we are essentially shut down to a large extent so it has to come back drastically. But really come back to the confidence level, where we were before I think it will take much longer.  James: So you're talking about consumer confidence?  Anton: Yes, yes and business confidence.  James: Got it, got it, got it. Yeah, I mean I read somewhere that consumer confidence is the most important indicator for any economy or any crash or any recovery. If that comes up, everything comes up; if that goes down, everything goes down no matter what you do that consumer confidence in terms of probably spending money and doing events and taking flights and so. So for example, let's look at class A, B and C renter’s base plus B and C is a lot of service industry. People are on pay check, pay check. I don't know I'm just thinking this quickly, they may be okay. So about third month, fourth month we are back in business. I mean, unless they are wage is lower than say impacted them but if their wage is the same they probably have that wage coming back to them again. Maybe they are scared. Maybe they want to go to a lower rental amount. Maybe, I do not know. But I think still the impact to the flights and to the big companies it's going to be more because now this is a global trade. So could that be the A-class renters are more impacted compared to B and C in the long run? I'm not sure. I'm just thinking this quickly.  It depends on how fast it comes back and what is the wage they are getting and how confident they are buying.   Anton: It think when you look at most people that live in any class properties they have really decent jobs and always leave some of these jobs are now being lost or at least they are in a furlough, so they are not getting paid right now. So they can collect their unemployment; and I would say if they cannot afford it then the A class, they may move down to the B class. So that's where I would see people that struggle in these shops do not get back that I need to move down into B. I just do not see that someone who is in an A class will be willing to go into a C class property. So I would say they would probably rather move somewhere else than into a C class property. I feel kind of the same for the people that live in B class properties that moving into a C class property is for them in my view, is also kind of the last resort. Now the big question is how the residential market will evolve. We haven't even talked about that, will there be a massive dropping in prices in the short term, because no one now in some markets can even see properties.  James: Are they getting forbearance as well, the single family houses?  Anton: I think when you are a residential and not active at all in in the single family space but my understanding is if it's your own primary residence, you get forbearance you can apply for forbearance too but not for less than property. But I think I'm more wondering how it would work for someone who is in the B class property would they have an opportunity potentially then buy a property and if still not able to buy your single family home. Whether they will be able to rent a single family home instead. I just do not feel, and again, some people say that doing the last downturn, a lot of people move down from A to B and from B to C, it's hard to track. I do know that really believe anyone has been able to properly track that, but based, at least on what I have seen during that time, there was not really much movement. There was a lot of moves from A to B because of that pricing point, but it's still a decent quality property. When you are used to an A class property, but they have not really seen much coming from a B class to a C class. But again, I'm not an expert in this light there may be economist out there that have studied this.  I just feel that these movements are really happening. Now when it comes to the service employees I agree with you. Once they start back up, they need to employees right away. There is no doubt about that and that thing that's really in my view is kind of that positive flight for C class properties at the end of the tunnel. Once the shutdown is over and restaurants are able to operate again and stores are able to operate and all the other service type related business including hotels they have a job again.  James: Provided they don't have a negative wage growth, I guess which could happen as well.  Businesses may be covering this, but this is, I mean, within two miles, if I'm an operator, if I'm a restaurant, I will hire back the same people. I mean I have two options, either pay them the same amount before they leave or I pay them slightly lower. I just don't hire, that's the option [53:36unclear].  Anton: So there the question again is how many restaurants are able to reopen. So we just don't know if it's just for another month or two month, I would say the majority are able to cover the loss and go back to normal afterwards or go back to business. But a lot of them I think will without some form of a bailout, wherever that comes from will probably not be able to reopen. So that's fair. That question comes in. It's there all sort of pressure, at least in the short term on wages that whoever is in the service business now does not have as much choices as they've had pre-Covid19.  James: What about the construction loan? What's happening in that space? I mean people with construction that is ongoing right now. From what I understand, the construction loan is also a loan where if the value of the building that you're constructing drops, they may ask whoever the developer is to put in more money right now, could they be in trouble as well?  Anton: Yeah. They haven't really seen that yet. It probably depends on what phase you're in, in that construction loan. If you're in the early phases or just started the earth movements or started with going vertical and you're still in year last to start your lease up, I don't really see that that impacts it that much. If you're already doing your lease up period span, I think you need to go back to your lender and find out how you can extend that loan. You'll see, usually you may have to do three years, two and a half to three years of the construction before you go into perm and you may not need another six month to complete that lease up, but if you're early or right in doing the construction I would say it shouldn't be such a big issue because when you consider the leverage for most of these loans is relatively low anyhow. Value at your 60, 65 of cost, maybe 60, 65 to value if it's a more an established sponsor. So the leverage is not really in most senses, it's not that high to start with. So I don't think that these lenders will be holding back. I'm more concerned about, again, the harm on the construction lenders that are out there too.  James: [56:31unclear] Anton: Yes. So where you are in your eight, nine, 10% construction loans, so these players I'm more concerned about. James: Is there a chance for the construction loan guys to say, okay, I'm not funding anymore because they go on draws based on the progress of construction. Is there a chance they said, okay, we are done. We are no more funding you; we are out, even though they have signed the commitment because they probably don't have the money. I mean it’s all come from some pool of money?  Anton: Yeah. I would say you have that risk. The law to the player I would say the less likely it is. I would say if you have a strong bank, a bank will continue to do lends, if you have a life insurance company that has provided that, they're likely will continue to lend and have the access to the funds but if it's a private lender then that would be probably more concerned that they are able to continue to fund the draws.  James: Yeah. That's interesting because I think in 2008 that's what happened. A lot of construction projects. Everything stopped because everybody ran out of money.  Anton: I mean, it could happen, we do not know but at least so far we haven't seen it where they have come to a complete halt. And again, the private space I do not know, but suddenly the institutional space hasn't come to complete halt yet.  James: Got it. So the other thing that I want to just give some education to the listeners is how a loan can be made from non-recourse to recourse. And I know since we talk offline in the past crash or you had that one of the function that you are familiar with or you are doing is like lenders are trying to figure out how to make deals from non-recourse to recourse. What are the potential ways that that can happen? I mean, we know we talk about this [58:48unclear] agency loans.  Anton: So obviously I think most of your lessons that for now have that [58:54unclear] which essentially means that if you cause fraud or gross negligence, then that loan can turn into a personal recourse and one of the examples for this kind of obvious when it comes to the property operations, when it comes to gross negligence can be that you are not maintaining the insurance. That can be, even if you forget about it, that's gross negligence. So even if it's unintentional, it's still gross negligence. If you do not verify that the insurance meets all the agency requirements, particularly when you might change the insurance from one to the other and the somehow you feel, oh, I get a better rate and then suddenly you get that better premium, but you may not meet all the requirements of the loan insurance requirements. So these are kind of the obvious things like this now will all be [1:00:10unclear]. James: But usually the agency have the specialized insurance department to verify all insurance requirements met whenever we change the insurance provider?  Anton: Well, yes they should. It's essentially the service server is supposed to track this but it's still up to you to verify that you would actually need these requirements. You cannot say well the service from that lender didn't save me anything so I'm fine, that's not the way it works. It's really important that with an insurance change, always leave if you'll get the approval from the insurance person that the lender or whoever they are hiring and gives the green light and it's a different story, but that's not as you are in a loan, that's not necessarily happening, I'm not talking about when you apply for the loan, but more down the road when you make changes to that insurance.  James: Yeah. Yeah. I mean, my experience has been like they are very, I mean, even I've made changes to my insurance and the insurance department is so particularly they go into every line item, they make sure we are reading it. So there could be some of those lenders, which is not doing a detailed job, I guess.  Anton: Yes, that's why and it really varies from lender to lender how detailed they are now. What a lot of people do not realize and that's something that we have to discussed offline is that  your representation and your order, guarantor representations when you apply for that loan are also part of that bad boy car found. So what that means is that if you or any of your guarantors make a representation when you apply for that loan, that can ruled as inaccurate. And I'm not talking about, oh, I put in a value for a property that I felt was a million and it's only 900,000 or 800,000. I'm talking about a gross misrepresentation of your financial strength, of your experience but particularly your financial strength that can be triggering that bad boy carve out and we have seen that in the past.  You need to understand why particularly when it comes to Fannie, what a lot of people do not know is that each Fannie lender has a loss share agreement with Fannie. So they take a loss. If Fannie takes a loss, they take a loss too. And though they have that first loss arrangement. So they have an interest of loss mitigation. And obviously if the property somehow will not pay back the loan plus all the accrued charges they need to look through all the solutions. Then one of the items is that they will have a in house or external lawyers look at all the representations that were made pre-application to approve that loan or aside from all the documentation that was submitted throughout the loan being in place.  So it's very important that you trust your partners that they are or not lying. We have seen it a lot, a lot of people claim that they are accredited investors and they are participating in deals that are a 506 deals and because we don't need to verify that you are an accredited investor with these 506 deal offerings but then they suddenly then pop up and do their own or attempt to do their own syndication and then you suddenly realize, well you are not really an accredited investor.  James: But that's not really a loan thing, that's more of a system guideline?  Anton: No, that's not a loan thing. I completely agree. But that is just an example of another thing to read, most people they are so desperate to get into deals, particularly on the GP side, so many times they are stretching the truth or into deals that they are sometimes stretching the truth of what the true situation. So it's really important to ensure that all the partners and guarantors that you have on board, that they are not grossly misrepresenting their situations. Whether it's experience, financial strength, that everything on the REO schedule is really true. No one is really verifying this.  James: Oh yeah, no one read that in detail.  Anton: No one is looking at tax returns. So there is solely a risk that someone can inflate their balance sheet and their experience tremendously without being verified.  James: Got it. Alright Anton, why don't you let our audience and listeners know how to get hold of you?  Anton: Yeah, sure. So my email address is anattli@peakmff.com and that's probably the easiest to reach May also then when you're on Facebook or LinkedIn, just type in my name and then I will pop up. It's a pretty unusual name, so you should find me there and I would say that's the easiest to reach me.  James: Awesome. Thanks for coming on the show. I think this is a really, really timely show in terms of discussing the loans and all that. So sometimes when nothing happens, when we talk about how risky bridge loans are, nobody really cares. No passive way to look at what a sponsor is taking loan; they just look at the numbers and did that. But keep in mind, I did write it in my book like two years ago. So if you have read it, I mean, there's a lot of resources out there as well. You would have been warned about it,  there is nothing wrong is just market risk, sometimes you make a lot of money doing bridge loans as well, but it just depends on the market cycle and the sponsor and the syndicator, how strong they are as well. I mean, there's a lot of sponsor who's going to write this bridge lending uncertainty as well, fine. But just for anybody to be aware of, I guess. Thank you very much Anton. Anton: Yep. Thank you James. 

Educational inequality is a fact. Most of us know the bleak statistics, but despite our best intentions, we don’t address it. We resign ourselves to the status quo, convinced of our powerlessness.   You will quickly learn that Brian Floriani  is not most people: how many of us would trade in private jets for weathered books?   In speaking with Brian, we learn about his remarkable plunge, and are reminded, that sometimes all it takes, is one person with a crazy dream to make the impossible, possible.  As Brian tells us: when the "why" is important enough, the “how” is irrelevant.     For more information on Bernie's Book Bank:https://www.berniesbookbank.org/https://www.instagram.com/berniesbookbank/To follow Taking The Plunge:https://www.instagram.com/plungeshow/ 

Brian Barcelona had a radical encounter with God as a young adult. Not too long after, this led to Brian preaching the Gospel in high schools. The first Jesus Club had 30 kids, but as Brian preached straight down the middle with the unadulterated Gospel message, the club soon grew to 600 kids meeting regularly to hear the Word and encounter the living God. Sometimes Brian would encounter large groups of kids who were devoted to living life in violent gangs. “Why are you fightin’ over colors? Are you Crayola? Why are you fighting over streets? Your parents can barely afford their rent. Why are you dying for something that means nothing?” As Brian declared this at one particular meeting, a gang member stood up and said, “What do I have to do to be saved?” Brian’s response: “Man, give up everything.” It’s this type of fidelity to the testimony of the Gospel that has stirred so many hearts in a growing number of Jesus Clubs throughout the nation. As Mark and Stephanie Kram testified on Episode 27, 100 kids got saved at a high school in Justin’s neighborhood last year through a Jesus Club on that campus. Listen to this week’s episode (audio above) to hear the full report of what God is doing through this encouraging ministry. HIGHLIGHTS Brian moved his ministry to L.A. where he ended up on the 700 Club and many other Christian shows. This exposure helped spur the Jesus Club idea into a movement that grew far beyond Brian's direct ministry. Brian shares at the beginning of the episode how the Dream Center, a Christian nonprofit, is serving people in need during the coranavirus quarantines. Brian got to travel to Brazil to witness the historic gatherings that took place during the recent revival.

  March 18th, 2020   |   The Hockey Betting Podcast On the latest episode of The Hockey Betting Podcast, Brian Blessing and Cam Stewart taking a look at the NHL COVID-19 schedule suspension status. As Brian says “It’s never a bad day to talk hockey,” and as always, the guys make the best of a bad situation and choose laughter over tears. Additionally, you get a great peek into the sports betting industry, and how they will handle outstanding wagering tickets going forward. Most important of all is the riveting hockey talk that you can’t get anywhere else. We’d like to thank BetCris Canada for their support of The Hockey Betting Podcast.  Listen to the latest episode of The Hockey Betting Podcast to get all of Brian and Cam’s discussion. The NHL Hart Trophy, Jack Adams Award, and Rocket Richard Trophy Discussion Brian breaks the hard news of an un-named Ottawa Senators player testing positive for COVID-19. The guys discuss the implications of that discovery, and the necessity of having to take a break from the season, much as it is unwanted. Brian and Cam recall the good old days of high-scoring hockey and Darryl Sittler’s NHL record of 10 points in a single game. Brian discusses the old games being currently shown on NHL Network, and how much smaller the goalies were back in the day. The boys do a deep dive into this NHL season’s individual awards and the connected betting implications involved. Cam brings up some intriguing underdog possibilities for the Maurice “Rocket” Richard Trophy. Listen now to The Hockey Betting Podcast to hear the discussion. The Hart Memorial Trophy is also discussed with strong opinions from the boys. Also, under review is the Calder Memorial Trophy. The Jack Adams Award could be one of the most competitive with several coaches that are well-deserving. Listen to today’s episode of The Hockey Betting Podcast for a tremendous discussion on which coach stands apart this year in the NHL. Also, don’t miss our Friday episode as the guys promise some incredible Scotty Bowman stories! We’d like to thank BetCris Canada for their support of The Hockey Betting Podcast. Make sure to listen to The Hockey Betting Podcast as Brian and Cam continue to keep you entertained while we await the resumption of play. Again, please remember, The Hockey Betting Podcast will continue as we await resumption of play in the NHL.

Join me as I chat with the Emmy Award winning creators of the Amazon Prime Video digital series, 'After Forever.' 'After Forever' stars Kevin Spirtas (Dr. Craig Wesley on Days of Our Lives) and Mitchell Anderson (Doogie Howser, Party of Five) as a mid-life gay couple living in New York City who appear to have it all — until Jason's untimely death forces Brian to think about his own future and ultimately his own mortality, without the love of his life. As Brian puts his life back together, Jason periodically appears to help him focus on his new life and moving on, most notably with his new boyfriend. Spritas co-created and co-wrote the series with acclaimed playwright Michael Slade. 'After Forever' also stars several familiar faces from TV, film and Broadway stages like Colleen Zenk (As the World Turns), Michael Urie (Ugly Betty), Anita Gillette, Mary Beth Peil and Tony Award winner Cady Huffman. The lauded series features a diverse group of characters who find their way through life's constant changes, including relationships, love, and loss, in an often overlooked group - the mature gay man. As Michael Slade told The Advocate, “We as gay men, after we're no longer 35, we tend to disappear from popular culture until we're Christopher Plummer — asexual down the hall with a cat.” The writing process was also cathartic for Slade, whose partner, Richard, died of cancer several years ago. Season One of 'After Forever' was nominated for 8 Emmy Awards and won five including Outstanding Digital Drama Series, Outstanding Writing for a Digital Drama Series, and Outstanding Lead Actor in a Drama Series. And Season Two has already been nominated for 10 Indie Series Awards including Best Drama Series, Best Ensemble Drama Series and a slew of acting, writing and directing nods as well. Hit play as I chat (and laugh) with two very talented men. For more info about the show, click over to afterforevertheseries.com.

We have ourselves a championship showdown! As Brian takes some well-earned family time for the Christmas Holiday, Sam is joined by HERO Sports Contributor Chase Kiddy for a recap of the semifinal round. Sam and Chase discuss what they observed in Fargo and Harrisonburg, respectively, before diving into some broader topics around FCS Football. Was the Big Sky actually overrated this season? Would an NDSU loss be good for FCS? All that, and more, on the latest episode of B-Mac and Herd's FCS Podcast.

Episode 94: Wham! – Make it Big (1984) Part 3 Episode 94 finds Brian, Sarah, and special guest Jackie Clary looking back to 1984 at one of the year's biggest (no pun intended) albums - Make it Big by Wham! The three hosts have had a lively and lengthy discussion about the album's history and the songs on the first side, and now they're ready to flip the record. Part 3 –Track by Track, continued As Brian, Sarah, and Jackie turn their attention to Side Two of the record, they find another single right away. The video that accompanies the single is rather significant, not because of the technology used, but because of where it was filmed, and so the three hosts talk about Wham!'s trip to China and how the trip came to be.  The other single on this side is significant for a very different reason-- it was not credited explicitly to Wham! Brian expresses his confusion on this topic and asks Jackie to help shed some light on why this may have been done. The accompanying video is a rather memorable one from the 80s, and Brian shares a story of why it was so costly to film, and then expresses a definite preference for one of the two women featured in the storyline. Also during this section, the three discuss the Isley Brothers, legendary producer Jerry Wexler, Jackie's pick for best Duran Duran album, and Sarah delights everyone with her casual insertion of Wham! song lines into the conversation. Freedom If You Were There Credit Card Baby Careless Whisper   Part 4 – Extra Credit The Extra Credit section is somewhat off the beaten path, but for good reason. The 2020 Rock and Roll Hall of Fame nominees have just been announced, and since Jackie Clary has worked at the Rock and Roll Hall of Fame, Brian and Sarah ask her if she thinks synth-heavy bands like Depeche Mode, Kraftwerk (who are both class of 2020 nominees), Duran Duran, Human League and others will ever really have a chance to make it into the Hall of Fame. Part 5 – Final Review and Rating After many hours of discussion, it's finally time for the three hosts to give their final reviews and record-adapter ratings. Sarah requests to go first,  followed by Brian. And when it comes time for Jackie's review and rating, she does something that has never been done on this podcast! See the videos discussed here: Freedom Careless Whisper "Careless Whisper" by George Michael & Smokey Robinson Read more at http://www.permanentrecordpodcast.com/ Visit us at https://www.facebook.com/permrecordpodcast Follow us at https://twitter.com/permrecordpod Check out some pictures at https://www.instagram.com/permanentrecordpodcast/ Leave a voicemail for Brian & Sarah at (724) 490-8324 or https://www.speakpipe.com/PermRecordPod - we're ready to believe you! Visit Chattanooga’s #1 Newsletter!!