Podcasts about BC

In today's episode, we have highlights of a prior show. This episode is ideal for newer sellers who are struggling to make the Replens Model “click.”   We covered episode #585 - New Keepa Sourcing Strategies are here for Replens Sellers. Hear the whole episode at https://silentjim.com/podcast or view the original YouTube video here: https://youtu.be/H8IVKgMn6mo   Today's highlights:   Jim and the guests discuss the “Childbirth pains” of growing your Amazon business. They also discuss “before click” (BC) and “after click” (AC) in terms of the Replens sourcing and it all starting to “click!”   Jim talks about how Creativity, Leadership and Relationships are the most important areas of your business that you cannot hand to anyone else! The goal is to work “on” your business and not “in” your business!   The guest, Robin, discusses what the Kick Start program entails (within PAC). It's designed to help new sellers learn the very basics of starting to sell on Amazon. Jim also discusses the importance of team work and everyone working together to help each other grow and succeed!   Jim talks about Jeff Bezos and how he wrote about the time and money saved by shopping on Amazon - essentially trading dollars for time!   Jim and the guests discuss the new proven Amazon course called The Advanced Keepa Training. The guests also share that new sellers can sell in the following categories: arts and crafts, office supplies, home and kitchen, pet supplies (not food)   The guest, Brian, explains how it's possible to use Keepa creatively with different filters to narrow down searches to find underserved ASIN's (listings). Jim uses the brand Nike as an example   This episode is sponsored by the JimCockrumCoaching.com team! We have nearly 60 coaches currently. Set up a time to chat with us about coaching if you are ready to speed up your journey towards having a real business that you can be proud to own. Get a free session with a business consultant on our team at 1-800-994-1792 / 1-801-693-1688 or TEXT US at 385-284-7701 (US & Canada only for Text)   Show note LINKS:   ProvenAmazonCourse.com - the comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   REPLENS KICKSTART program - Brand New to Amazon and REPLENS? All students of the provenamazoncourse.com course who've not yet made their first REPLENS sale will benefit greatly from this series of live (and recorded of course) zoom group sessions with a coach - it's only $39! Contact Support@SilentSalesMachine.com for details.   Provenamazoncourse.com/Keepa - 10 Advanced Keepa strategies that will make you a product souring ninja!   Keepa.com - https://get.keepa.com/ede41 -The service we use to help interpret all of Amazon selling data. For more information, Jim goes into more detail regarding why we love KEEPA and why every replen seller needs it on episode 369 of this podcast at https://SilentJim.com/podcast   If you have any questions as a PAC student you should email Support@SilentSalesMachine.com   My Silent Team Facebook group https://www.facebook.com/groups/mysilentteam - 100% FREE! Join 72,000 + Facebook members from around the world who are using the internet creatively every day 

On Episode 446 of Morning Kombat Brian is solo to break down the news that we are finally getting Errol Spence Jr. vs. Terence Crawford. What are BC's early thoughts? Brian also discusses the rumors that Jon Jones might have a new opponent for August. Is this just a leverage play? BC closes out the show by breaking down some recent fight announcements.  Morning Kombat is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.     For more Combat Sports coverage subscribe here: youtube.com/MorningKombat   Follow our hosts on Twitter: @BCampbellCBS, @lthomasnews, @MorningKombat    For Morning Kombat gear visit:morning kombat.store   Follow our hosts on Instagram: @BrianCampbell, @lukethomasnews, @MorningKombat To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Help spread the darkness! VOTE FOR THIS EPISODE at https://weirddarkness.tiny.us/mvjsnkbz – you can vote up to 3X per day! Find Weird Darkness in your favorite podcast app at https://weirddarkness.com/listen. PLEASE SHARE WEIRD DARKNESS® in your social media and with others who loves paranormal stories, true crime, monsters, or unsolved mysteries like you do!IN THIS EPISODE: The chastity belt has, through the ages, become more of a humorous analogy or punchline than the real thing. But then, that's appropriate – seeing as it actually began as a middle-ages joke. (The Strange Truth Behind Chastity Belts) *** A fearsome witch, she is said to kidnap, roast, and eat children in the woods. No – this is not the story of Hansel and Gretel. This witch is much more terrifying – she is the Baba Yaga. (The Legend of Baba Yaga) *** The Oera Linda book is a manuscript written in a form of Old Frisian, purporting to cover historical, mythological, and religious themes of remote antiquity, from 2194 BC to 803 AD. Many are fascinated by what it says others claim it is a hoax or forgery. What is the truth behind the Oera Linda? (What Is The Oera Linda?) *** It's nickname is “Columbian Devil's Breath” – and it's so powerful it can turn perfectly healthy people into mindless zombies. We'll look at the dangerous and deadly drug, Burundanga. (A Drug That Creates Zombies)SOURCES AND ESSENTIAL WEB LINKS…“A Drug That Creates Zombies” by Brandon Michaels for Graveyard Shift: https://weirddarkness.tiny.us/yckryre8 “Freaky True Crimes” by Patrick Thornton for Unspeakable Times: https://weirddarkness.tiny.us/2p9fsamf “The Strange Truth Behind Chastity Belts” by Genevieve Carlton for Weird History: https://weirddarkness.tiny.us/yc7nzbfx “The Legend of Baba Yaga” by Genevieve Carlton for All That's Interesting: https://weirddarkness.tiny.us/2p8urkfa“What Is The Oera Linda?” by Bipin Dimri for Historic Mysteries: https://weirddarkness.tiny.us/yttpw84r= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =Weird Darkness theme by Alibi Music Library. Background music provided by Alibi Music Library, EpidemicSound and/or StoryBlocks with paid license. Music from Shadows Symphony (https://tinyurl.com/yyrv987t), Midnight Syndicate (http://amzn.to/2BYCoXZ) Kevin MacLeod (https://tinyurl.com/y2v7fgbu), Tony Longworth (https://tinyurl.com/y2nhnbt7), and Nicolas Gasparini (https://tinyurl.com/lnqpfs8) is used with permission of the artists.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =(Over time links seen above may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = = = = = = = = = = = = = = = = = = = = = = = = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =WeirdDarkness™ - is a production and trademark of Marlar House Productions. © 2023, Weird Darkness.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =TRANSCRIPT: https://weirddarkness.com/archives/15476

Today's guest is Todd Watkins    Todd is a COO of a multifamily real estate operator with 4000+ units. He has 30 years of experience in real estate from private law practice to Fannie Mae to current operator. Join Sam and Todd in today's episode -------------------------------------------------------------- Introduction [00:00:00]   Todd Watkins' background and experience [00:00:36]   Challenges in the real estate industry [00:04:24]   Pay more for staff [00:08:54]   Changing philosophy for tenants and staff [00:09:26]   Challenges in the multifamily industry [00:13:28]   Agency Debt [00:17:44]   Changing Underwriting Assumptions [00:18:27]   Name of Real Field Realty Partners [00:22:41] -------------------------------------------------------------- Connect with Todd:   Web: www.railfieldrealty.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Todd Watkins (00:00:00) - That, uh, that allows us to say, you know, yes, the property right next door has their pool is, you know, two meters longer. Or their, you know, whatever their, their store is open for 15 minutes longer than ours is. But you still wanna be here cuz we are building a community of people of, you know, interesting people, interesting places. It's a, it's, it's a, you know, you're getting more for your rent and again, a, a, a commodity box where you can put yourself.   Intro (00:00:23) - Welcome to the how to scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:36) - Todd Watkins is the c a multi-family real estate operator with 4,000 plus units. He's got over 30 years of experience in real estate from private law practice to Fannie Mae to currently being an operator. Todd, welcome to the show.   Todd Watkins (00:00:50) - Thank you.   Sam Wilson (00:00:52) - Absolutely Todd, the pleasure is mine. There are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now and how did you get there?   Todd Watkins (00:01:03) - So, okay, it's interesting and where did I start? There are a couple answers to that, but I think the one I'd like to say is I, my earliest memory is, um, being told that for the summer of seventh grade I was going to go paint apartment units because my father owns 10 small apartment complexes in Philadelphia. And uh, that's, if he would tell you if he were god rest facility, he not around. But he would tell you that that is how he paid for me to go to college. Cuz he had worked for the public, Philadelphia public school system for, you know, decades. And it, you know, having a kid who he put into private school, it didn't, it didn't pay. So he went out and bought, um, apartment buildings. And so that's how I got my start in the apartment business. Um, what, how's, how I got my start? How'd I get to where I am? Was that the second part? Yeah.   Sam Wilson (00:01:48) - Where, where'd you start? Where are you now?   Todd Watkins (00:01:51) - Yeah, so now I am the Chief Operating Officer and a partner at Real Field Realty Partners. We have about, as you said, about just over 4,000 units. We're in nine markets from, uh, greater dc um, a couple of markets in Virginia, north and South Carolina. And then we flip over to the bigger markets in Texas, sorry, Houston. Um, we're in San Antonio, Austin, um, and Dallas. Mm-hmm. . And so, um, you know, we, we, I got there, you know, as when you, when you said a 30 years experience, all I could think of was, man, I'm old. Um,  and I got there, uh, the, the long way, um, I got there by virtue of being a private lawyer. Um, I got there by, um, half by being in, uh, a department that worked with, um, real estate, uh, developers, et cetera, but primarily did a lot of work with Fannie Mae.   Todd Watkins (00:02:42) - Um, and I was living in Los Angeles and, uh, you know, I'm from Philadelphia. Kids need their grandparents. All of a sudden I found myself back on the East coast with working for Fannie Mae. Um, and I had, I was up late doing a deal. Um, this is actually, I was still in private practice, but I was up late doing a deal with a guy from Goldman Sachs and he, you know, asked me a couple of questions. He went off, I asked me to add some numbers together. I did it, kicked back to him, uh, a couple days later, had to do the engagement letter for his firm. Found out that he was going to personally make more than my entire firm was, and I realized I was in the wrong part of the value chain  at that point. Uh, started off working my way over to the business side at Fannie Mae and then, uh, with a partner had left about, you know, 18 years ago. Um, and started a couple of things bef you know, we had a, uh, a real estate consulting practice before we finally joined up with somebody else and created rail field.   Sam Wilson (00:03:36) - Wow, that's really, really cool. I mean, there's so many, I wish this podcast were longer because I'm sure just the things that you, your kind of insider's knowledge, and I know things have probably changed since you've been there. Uh, but your insider's knowledge of how Fannie Mae works, how to get loans done, just kind of all of that Sure. Component is, has got to be some somewhat of an advantage, hopefully, uh, for you in what you guys are doing today. Having had that experience from the private law side, from being inside of Fannie Mae now to an operator with over 4,000 units, uh, under, under your ownership, like what, what are things, where are things going? What are some challenges you guys are are looking at right now? I mean, it's, there's trouble in the water. Yeah, I think, but you tell   Todd Watkins (00:04:24) - Me. Sure, sure. I mean, I think there are a lot of challenges, um, qual uh, I guess, uh, there're on, on the one hand, finding people, you know, the, I think the pandemic and times we've come out of the pandemic have made a lot of people change their ideas of what, how they want to spend their lives and what they wanna do and how hard they wanna work. And hasn't, um, unfortunately changed my investor's views of how much they want make and how much they want those people to work. And so, um, there, there has been, uh, a real tough time in getting quality staff. I mean, just, just bluntly putting, um, the turnover has been much greater. The numbers of people who are good are asking for a lot more, but they're also willing to leave much faster. So there was a time when we, it was sort of easier to have a, a team that you felt you could count on and, and they would be there for you at least for a little while.   Todd Watkins (00:05:18) - And now, you know, we fight for people every single day. Um, you know, the, the, the amount of time that people are spending in their units, what they're looking for in units has changed. So the, the product type and how quickly we have to keep things going, um, to, to make sure that people want to be there. But I guess maybe the greatest thing, and I'm, I see, you know, I know it's only 15 in podcast, but I'd say, um, to, to my mind, I think there's some measure of the philosophy has gotta change in that, or is changing and it needs to be changed. And that we used to sort of think of it as a, something of a commodity product, right? It's a, it's a box where people put their stuff. And now I think because it's a box where people put their stuff, you have to have so much more. And that's one of the things that real field is that we, we try and build communities. And so we're trying to create not just a place where someone can dump this stuff, because let's face it, as soon as I build, you know, the next, next door is gonna be something shinier and brighter and newer. So I've gotta create an atmosphere where people want to live, not just where, you know, the the cost of them moving is gonna be higher than staying at my place.   Sam Wilson (00:06:17) - Yeah, those are, those are all very, very, I think, um, interesting challenges that we're facing right now, especially on the staffing side of things. Are you, are you finding that across the board it's a staffing challenge? Are there certain entry level, mid-level executive level differences in   Todd Watkins (00:06:38) - ?   Sam Wilson (00:06:39) - No. Retentions.   Todd Watkins (00:06:40) - It's across the, it's, it's across the board. I mean, you know, it's, it's easy to say, it's hard to keep maintenance people. That's, you know, they're the, the, uh, piece that, that little bit of gold that everyone is searching for, you know, great maintenance people are just, you know, so few and far between. And when you, you get 'em, all you wanna do is make sure that, you know, their phone only takes your calls and doesn't take them from anybody else. Um, but you see it as sort of every level. And, you know, I think that, um, there has been a traditional path. This kind of goes to what I was saying before about the, the, the philosophy. But there's been a traditional path based on, also on a leasing side, where you go from, you know, you start up as a, an associate, you move up to be a leaser, you know, you have to be an assistant manager, you have to be a manager, um, and then a regional and potentially beyond.   Todd Watkins (00:07:27) - And I think that some of these, some of these properties and some of the numbers are getting to be so big that, you know, that path requires more than just having sat in the previous seat for, you know, at this point it could be six months. You know, that with the turnover so quickly. So there is, I think, um, there are, there are changes and differences and some of the expectations that people have that they're just gonna go to the next level doesn't necessarily meet our needs. When you actually get to the next level, it would've, they would've benefited by being in that previous seat a little bit longer in, in particular. But, um, but you know, between that technology, um, and, and the demand of tenants, um, or residents, uh, it's there at every level. There's a, there's a change and, um, it's, it's hard to hold on to people.   Sam Wilson (00:08:11) - Yeah, absolutely. Any tips or tricks, things that you guys are doing currently, uh, to kind of mitigate that problem?   Todd Watkins (00:08:20) - I mean, honestly, you know, we're paying more . I mean, you know, I think that's the, you know, I mean, we want to change the paradigm. Um, I'd really love to be able to have different entry points for different people and find a way to, to make them be contented where they are so that everyone's not just looking at their boss, we know to, as a way to get that next job. But the truth is, it's such a fragmented market, just so many owners and operators out there that everyone's trying to steal salad from somebody else. And so I get to, from what we're seeing right now is we just have to pay more.   Sam Wilson (00:08:53) - Right? Right.   Todd Watkins (00:08:54) - And any and for stars, we're willing to do it. And, and, you know, and, and I would just say, you know, it might be if I could make a commercial for us in, in the markets where we're, if you're a potential manager out there for stars, we are willing to do it. We're absolutely willing to pay more. And we, you know, we, we have to. But I mean, I think that, you know, these are, like I said, these are getting to be good sized businesses. You know, you buy property for 60 million, you don't just turn it over to anybody. So you know, the difference of six, eight, $10,000 in, in a manager's salary on a, on a business, that size means nothing. So, right. Yes. Oh yeah.   Sam Wilson (00:09:26) - No, it absolutely doesn't. Uh, you talked about how the philosophy kind of needs to change as it pertains to the tenants. Before we get to that, what outside of pay more, is there a philosophy that you guys have had to change as it pertains to your staff?   Todd Watkins (00:09:45) - Sure. Like I will say, like right now we are in the market for a concierge at a property in Dallas, right? The, the idea is it's no longer enough to have, you know, someone who calls when your toilet overflows or someone who's not, you know, we wanna become a part of the community. We wanna have, you know, if, and I can tell you the name of the property, it's Skyline Trinity, you know, I, I'm talking to the city about having, you know, a 5K start there, you know, or what can we do to get our name out in, in that way to have a concierge shoe sort of, you know, they know all the restaurants, they know the places to go. They're a real resource that, uh, that allows us to say, you know, yes, the property right next door has their pool is, you know, two meters longer or their, you know, whatever their, their store is open for 15 minutes longer than ours is. But you still wanna be here. Cause we're building a community of people of, you know, interesting people, interesting places. It's a, it's, it's a, you know, you're getting more for your rent and again, a a a commodity box where you can put yourself,   Sam Wilson (00:10:44) - Right? No, no, that, that's really, really cool. And I, and that, and that, again, you know, that, that plays to both, both staff and, uh, and to tenants where if you, so we've talked a little bit about the challenges that, that you're, that we're facing right now. You know, how people are living. We've talked about employment and staffing challenges. Have we talked about insurance and kind of the things that are, uh, challenges on that front, and then how you mitigating just the ever increasing cost of insurance?   Todd Watkins (00:11:11) - Yeah, that's a tough one. Honestly, that's what I'm dealing with right now. Um, the, there have been a lot more once in a thousand year events that seem to have hit, um, particularly in parts of Texas, um, along the coast. At the same time coming out pandemic, there are a bunch of insurance companies that have just left the market. And so the premium increases, renewal re increases, sorry, that we're seeing are, you know, a hundred percent, you know, I, I got one in April that was 80%, couldn't believe it. And then just recently got them was 120%. So I think that, you know, and I, I know some of your, um, viewers, listeners are, are smaller. I think there are, what we're trying to find is programs to help small people get together so we can get some of the hef to the, and, and the benefit of size that, that, you know, some of the enormous players in this business have, they can go out, they can create their own towers of insurance or even their own captive insurance companies, you know, but my fourth thousand means I can't do that, but I know, but, but that's sort of some of the things we're trying to look at is even combinations with other operators to see if there are ways to help us, you know, get some benefits of, of scale.   Todd Watkins (00:12:22) - Because I mean, I, I think, and you know, now I'm gonna demonstrate an entire industry I know nothing about, but I think the insurers are really looking for ways to just bring in more profit, more premiums than they're paying out in losses. So, you know, when they look, when they look at my portfolio and do their pricing, you know, it's, you know, I have to have it. And I don't bring a whole lot to the party  than, than my 4,000 units. So if I can find ways to help people, you know, I mean the, some of the things that, that have been offered of, you know, well take a, you know, an an enormously higher deductible, you know, there are, that's like part of what the insurers are coming back to me with renewals on. I'm already taking more risks than I wanna, so it's, it's finding some way to be creative, to get more people in to, to truly under or, or to have enough, a good enough relation with my, um, brokers so that they can really tell our individual story about some of our properties. So it's not just, you know, east of I 95 makes a coastal, and so jack up, jack up the premium, it's this property is here, there, or the other place. And it's not the same risk as you might generically think it is by just looking on a map.   Sam Wilson (00:13:28) - Right, man. Yeah. And that's a challenge. I mean, how absorbing that, absorbing that Indian, right? Yeah. Yeah.   Todd Watkins (00:13:37) - Well, so that's the thing, right? So we've talked, so what have we talked about? We've talked about competition, we've gotta pay staff more. I got a hundred percent insurance increase. Um, you know, I mean, I can tell you that the, the local municipalities are not looking for less on their property taxes. Um, you know, it's, it it's an ever bigger challenge, , I mean, it's fun, but it's never bigger challenge,   Sam Wilson (00:14:00) - Ever bigger challenge. But there's a reason you're still in it. So what are the   Todd Watkins (00:14:05) - Opportunities? You're saying I don't have any other skills, ,   Sam Wilson (00:14:08) - , I'm not saying that at all. I'm saying you can do anything you want, and yet you choose to stay, you're in it. So  no, clearly not. You have way more skills than, uh, than I do, I promise you that. But, but what are, what's the opportunity that you see right now?   Todd Watkins (00:14:27) - Oh, I mean, you know, look, commercial real estate is, and, and so we are in multifamily, right? That's, that's all we do. We, you know, we, one of my partners like to say, you know, we don't know a lot about a lot, but we know a lot about this, right? Um, , it's right. It's still, it's an incredibly fragmented industry. So, you know, the, the, you know, there're millions s and i, I should have known these numbers, but, you know, million management of, of apartment properties out there and, and, you know, hundreds of millions of units. And the largest operator, owner operator has about a hundred thousand hundred, something like that. So it's, it's an incredibly fragmented, um, uh, market. It, the, the challenge every day there's a challenge in each one of these businesses and coming up with strategy and figuring out how we can keep it best positioned to make the highest return.   Todd Watkins (00:15:12) - Um, you know, it's, it's tangible in a way that, you know, you get to go in and see, you know, say we should pay for something, and then six months later actually seeing it come to fruition. You know, you, you, you go to apartments and you actually see, you know, kids playing on, on swings that you decided to be there. You know, it's, it's a lot of fun actually. , I mean, you know, I suppose, um, you know, everybody finds the thing that they liked or everyone should find the thing that they like to do the most. And I guess for me, you know, at this stage of my life, certainly this is what I like to do the most.   Sam Wilson (00:15:46) - Right. Is there, is there any strategy or, um, anything, I guess when you think about the multi-family space holistically, is there something where you're like, Hey, this is where our niche is and this is why we're staying here?   Todd Watkins (00:16:02) - Yeah, so, um, you know, we don't develop, that's a whole different set of skills. So, you know, looking at a piece of dirt and, you know, turning it into a, a building, I mean, I, I could only pray to be that creative and, and to deal with all the headaches that, that go along with that. You know, we, um, we don't do like really high end stuff. And we have some stuff that, that we have, um, uh, bought that's relatively newly built, but, you know, not skyscrapers, um, you know, Manhattan and all that sort of stuff. We are, you know, and maybe it's, um, it goes back to our time at Fannie Mae, but we're sort of BC market buyers. Um, you know, we like, um, the solid part of the market. It's not, you know, I'm a brain surgeon, but I just feel like renting it's people who, you know, if they don't necessarily need to rent, they're on the cusp of it.   Todd Watkins (00:16:53) - You know, they, they, they wanna rent. Um, and we wanna provide great, um, homes for 'em. But it's, it's people who, um, you know, are not just, you know, having a, having a, a, you know, a pieta tear because their place at the Hamptons is being worked on. Um, so that's sort of the, the part of the market where we stay, we know it, we think it's the deepest part of the market. Um, having been lenders, it has proven to actually, um, provi perform the best in downturns. Hmm. And so, you know, once you're a lender, you know, you always sort of watch the downside, um, a lot more than the up. So yeah, that's, that's kind of where we've come from, where we're, we'll probably stay.   Sam Wilson (00:17:29) - What, what are you guys doing, uh, speaking of lending? Like what's an attractive, what are attractive terms? What are attractive loans that you guys are, are looking for and liking right now?   Todd Watkins (00:17:44) - So that's actually not my part of the business. Um, I have a partner, John Siegel, who, who runs that. But typically, you know, we've been getting, and, and I, I jumped over something quickly, which I should have forgotten. It's, it's not only did we come from Fannie Mae, but one of my partners, Ken Bacon, actually used to run Fannie Mae. He ran Fannie Mae multi-family for about 12 years. So, um, we have done pretty well with agency debt. Um, it's typically, you know, uh, seven to 10 years. Um, we get as much interest only as we can. Um, and, you know, it's a, it's a cashflow business in the collection business . So, but in terms of actual terms right now, that would be something John would've to you, you'd be better off talking to him. Gotcha. Say they've better off talking to him. ,   Sam Wilson (00:18:27) - . I doubt that. Here we go. Let's talk, uh, about underwriting assumptions. Maybe, uh, maybe you can talk to us about, cuz I think one of the things you mentioned earlier was that, you know, we have all these, we have all these rising costs from everywhere from staff Sure. Insurance to, you know, all those challenges coming at you, and yet you also have investors who are still wanting that amazing return that they were getting in 2019 and 2020. How are you changing those underwriting assumptions for 2023, and then how are you communicating that back to your investors?   Todd Watkins (00:18:58) - So it's, um, honestly, it's hard and, you know, they're not many deals are getting done. Um, we actually are just, have just circled our first deal for the year, um, just this past week. Um, and it's, it's difficult. Um, we actually, you know, it's, we have different investors who have different, um, requirements and so we can kind of, um, try to find a fit for them, but it's been very, very difficult. And in fact, I mean, I don't know who else you're talking to, but I haven't heard of many deals going off this year. I think volume is just way, way down. Um, so I think that there is a, how should say, a sort of a bid ask that is, or, or readjustment, um, that's gonna have to happen. Um, as truth be told, some of the sellers are gonna have to come and start to realize that, you know, some of the amounts that they thought they were going to get, you know, 15, 18 months ago, just aren't going to be there.   Todd Watkins (00:19:57) - Um, I mean it's, you know, it's, it's just a math. Um, you know, investors, you know, investors still do want some of those returns now. They're, you know, they also will have to at some point come to grips with the fact that, you know, uh, if if they're going to put money out, it's gonna have to, they're gonna end up having to do something at lower than the returns that they were, um, looking for as well. But that's, you know, how a market will be made, right, is people, both sides will have to give some,   Sam Wilson (00:20:22) - Right, right. Yeah. And I, I would think just, you know, from a, uh, outsider's perspective, we only have a couple multi-family properties in our portfolio, but from an outsider's perspective, those deals with agency debt, you know, that was acquired two, three years ago at two and 3% fixed for 30 years. I mean, those are the ones that I think will still trade at, you know, uh, you know, at a premium. Am I in, in incorrect in that assumption?   Todd Watkins (00:20:50) - Well, all, especially if it's a sum. Um, the, yeah, well that's, that's largely what we've, we've been trying to do is assume is a assume loan. Um, but, but again, remember agents, so just so we're clear, multi-family, um, tends not to have the 30 year death. A standard product that comes out of Fannie is like a 10 year product. Okay. Um, single family will go out, will go out to 30 years. But typically on multi-family it's, it's 10. Um, sometimes you might see something out of FHA that goes longer, but I think it's typically it is 10 as the horizon. But yeah, that's where, that's what, if you have, um, if you have loans that can be assumed that where the math works there, that's probably where the action's gonna be. Right? Or quite honestly, if you're, I mean, you know, I think, you know, back to my father, um, you know, and one of these things it's like, you know, there's always gonna be a deal because someone always gets divorced, dies, you know, has to sell for some, you know, has some cash requirement.   Todd Watkins (00:21:46) - Um, I think there were deals done a few years ago that had variable rate debt, um, where either the rates has gone up so much that they can't afford it, or the escrowing for the next cap has gotten to be so much that they can't afford to hold them anymore. And I would imagine that some of those, you know, there could be, that could be where some of the movement starts. Cause some of those people, I mean, you know, God bless 'em, I hope they're all doing, but, but I, I would imagine if they're not feeling it, feeling great right now,   Sam Wilson (00:22:17) - Right? No, no, they're not. I can, I, I can, I can only imagine as well. And having talked to some of the people on this show, uh, who have been in that exact and are, are in that exact predicament right now, where it is, um, yeah, they're feeling, they're feeling that pinch. Todd, I got one last question here for you. Rail Field, why that name for your company? What, what does that come from ?   Todd Watkins (00:22:41) - So, um, uh, you know, it's, uh, the short answer, along short answer was we were starting with a, uh, a program and investor who, you know, needed a name. And it was already written in the documents because my partner Ken had come from, when he had come over, he had a, he had a company called Refield. Um, so we just took it longer answer. Um, the, originally there were two partners, ones African American and one was Asian. And the Asian person said, when my family came over here in the mid, you know, 19th century, you know, they were probably working on the rails. And the, the African American guy said, well, at the same time, I'm probably working in the fields and you got rail and field . So   Sam Wilson (00:23:21) - There you go. There you go. Fantastic. I love, I love, I love both answers as short and the long. That explains it very, very clearly. Todd, if our listeners wanna get in touch with you, learn more about your firm, uh, what is the best way to do that?   Todd Watkins (00:23:35) - Rayfield realty.com. Um, it's the long name, but I think it's worth it. Uh, but yeah, look us upfield realty.com.   Sam Wilson (00:23:42) - Rayfield realty.com. Yeah, we'll make sure we put that there in the show notes. Todd, this has been certainly insightful. Your, uh, your experience is unique and you've shared a lot of really great stuff with us here today. So thank you for taking the time to come on the show today. We certainly appreciate it.   Sam Wilson (00:23:57) - Thank you so much for   Todd Watkins (00:23:58) - Having me. I really enjoyed it.   Sam Wilson (00:24:00) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank hire on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Brian Campbell has you covered with an instant reaction to Devin Haney vs. Vasiliy Lomachenko. How did Brian score the fight? How will Devin Haney look against Shakur Stevenson? BC breaks it all down. (00:00:00) - Intro (00:00:10) - Devin Haney vs. Vasiliy Lomachenko (00:34:00) - Chantelle Cameron vs. Katie Taylor Morning Kombat is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.     For more Combat Sports coverage subscribe here: youtube.com/MorningKombat   Follow our hosts on Twitter: @BCampbellCBS, @lthomasnews, @MorningKombat    For Morning Kombat gear visit:morning kombat.store   Follow our hosts on Instagram: @BrianCampbell, @lukethomasnews, @MorningKombat To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The old school Room Service Diaries is back! Luke and Brian turn on the camera and discuss some topics that are on their minds. The guys discuss what may happen with the future of AI, What goes on at BC's cameo and what motivates them in their career. Morning Kombat is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.     For more Combat Sports coverage subscribe here: youtube.com/MorningKombat   Follow our hosts on Twitter: @BCampbellCBS, @lthomasnews, @MorningKombat    For Morning Kombat gear visit:morning kombat.store   Follow our hosts on Instagram: @BrianCampbell, @lukethomasnews, @MorningKombat To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Welcome to the debut of the Milk Bar, an intermission show where guests come around to talk with Bry about the weird and fun things found in Tears of the Kingdom. This week, BC visits to talk about the underlying realities of the Constructs found in the Skylands

Photo: No known restrictions on publication. @Batchelorshow Carthange 1910 8/8: The predicate of the 44 BC assassination conspiracy: 8/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 3/8: The predicate of the 44 BC assassination conspiracy: 3/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 6/8: The predicate of the 44 BC assassination conspiracy: 6/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 5/8: The predicate of the 44 BC assassination conspiracy: 5/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 7/8: The predicate of the 44 BC assassination conspiracy: 7/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 4/8: The predicate of the 44 BC assassination conspiracy: 4/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 2/8: The predicate of the 44 BC assassination conspiracy: 2/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Photo: No known restrictions on publication. @Batchelorshow 1/8: The predicate of the 44 BC assassination conspiracy: 1/8: Uncommon Wrath: How Caesar and Cato's Deadly Rivalry Destroyed the Roman Republic by Josiah Osgood  https://www.amazon.com/Uncommon-Wrath-Rivalry-Destroyed-Republic/dp/1541620119 In Uncommon Wrath, historian Josiah Osgood tells the story of how the political rivalry between Julius Caesar and Marcus Cato precipitated the end of the Roman Republic. As the champions of two dominant but distinct visions for Rome, Caesar and Cato each represented qualities that had made the Republic strong, but their ideological differences entrenched into enmity and mutual fear. The intensity of their collective factions became a tribal divide, hampering their ability to make good decisions and undermining democratic government. The men's toxic polarity meant that despite their shared devotion to the Republic, they pushed it into civil war.

Liberty Dispatch ~ May 18, 2023On this episode of the Dispatch, hosts Andrew and Matty examine the sad reality that Canada is a woke hot mess ruled by incompetent, petty bureaucrats.[Segment 1] - Canada's Woke Hot Mess:School board trustee resigns in protest of policies violating parental rights in Prince Edward Island | The Post Millennial: https://thepostmillennial.com/school-board-trustee-resigns-in-protest-of-policies-violating-parental-rights-in-prince-edward-island?utm_content=; Court upholds school board shutting down anti-pride flag presentation | True North News: https://tnc.news/2023/05/15/school-board-bluewater-gillies-pride/; Waterloo Catholic District School Board trustee Wendy Ashby resigns after controversial tweets | The Record: https://www.therecord.com/news/waterloo-region/2023/05/15/waterloo-catholic-district-school-board-trustee-wendy-ashby-resigns-after-controversial-tweets.html;[Segment 2] - All levels of Canadian government are grossly incompetent:BC to send cancer patients to US for treatment | Western Standard: https://www.westernstandard.news/news/bc-to-send-cancer-patients-to-us-for-treatment/article_49888ad4-f422-11ed-9846-077db40eb0d4.html;UPDATED: Bail system reform aimed at repeat violent criminals, dangerous weapons | Western Standard: https://www.westernstandard.news/news/updated-bail-system-reform-aimed-at-repeat-violent-criminals-dangerous-weapons/article_7122a0f2-f404-11ed-aed5-4f518abe447e.html; Canada spent the most on the pandemic but achieved some of the worst results | True North News: https://tnc.news/2023/05/11/pandemic-spending/;[Segment 3] - MAILBAG QUESTIONS: If you want your question featured on the show, message: mailbag@libertycoalitioncanada.com; SUPPORT FOR HAROLD JONKER'S DEFENCE FUND: https://givesendgo.com/TruckersLegalSupport?utm_source=sharelink&utm_medium=copy_link&utm_campaign=TruckersLegalSupport; Support Josh's Stand and Help Us Defend His Liberties! Sign Our Petition Here: https://libertycoalitioncanada.com/i-stand-with-josh-alexander/; SHOW SPONSORS:Join Red Balloon Today!: https://www.redballoon.work/lcc; Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/lccSick of Mainstream Media Lies? Help Support Independent Media! DONATE TO LCC TODAY!: https://libertycoalitioncanada.com/donate/ Please Support us in bringing you real, truthful reporting and analysis from a Christian perspective.SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; OPEN MIKE WITH MICHAEL THIESSEN: https://openmikewithmichaelthiessen.podbean.com; https://rumble.com/openmike;THE OTHER CLUB: https://rumble.com/c/c-2541984; THE LIBERTY LOUNGE WITH TIM TYSOE: https://rumble.com/LLwTT;CONTACT US:Questions/comments about podcasts/news/analysis: mailbag@libertycoalitioncanada.com;Questions/comments about donations: give@libertycoalitioncanada.com;Questions/comments that are church-related: churches@libertycoalitioncanada.com;General Inquiries: info@libertycoalitioncanada.com. STAY UP-TO-DATE ON ALL THINGS LCC:Gab: https://gab.com/libertycoalitioncanada Telegram: https://t.me/libertycoalitioncanadanews Instagram: https://instagram.com/libertycoalitioncanada Facebook: https://facebook.com/LibertyCoalitionCanada Twitter: @LibertyCCanada - https://twitter.com/LibertyCCanada Rumble: https://rumble.com/user/LibertyCoalitionCanada YouTube: https://www.youtube.com/@liberty4canada Please LIKE, SUBSCRIBE, RATE & REVIEW and SHARE it with others!

Coach P finds out the real reason why Columbia is such a hot spot for stags, Calgary's air quality is worse than Delhi and a listener accidently gets added to a whatsapp stag group and shares some insider info! The Coaches Huddle features a UFC date, husband texting single moms, jealous old brides, more height lengthening dilemmas and Coach P tries to punch Gurk. Follow the official podcast IG www.instagram.com/coachppodcast For BONUS Coaches Huddle episodes and archived IG Lives SUBSCRIBE to the PATREON www.patreon.com/coachppodcast Follow Gurk www.instagram.com/karanbhattirealestate for …. BEST DEAL, WITHOUT WAIT! Follow Gurveen www.instagram.com/theregoesgurveen Producer/Audio Engineer Kyle Bhawan www.instagram.com/kylebhawan & www.instagram.com/dontdoze Song "Be Like That" by ALWAYSREVÉ www.instagram.com/alwaysreve Buying or selling a house in the lower mainland, BC? Contact Lucky Chahal www.instagram.com/soldbylucky  Mention the podcast and he'll help with legal fees! Chutney's Indian Grill is Canada's first Fast Casual Indian Restaurant. Visit them in South Surrey, Abbotsford, Langley, and Kelowna! Mention the podcast for a discount! www.eatchutneys.com SkinVisual Med Spa offers the latest in cosmetic enhancements (laser hair removal, facials, body contouring, and more. Mention the podcast for a one time discount code 15% off any regular priced service! www.skinvisualmedspa.com

SapiensSapiens Full Book Introduction Homo sapiens were once an inconspicuous group in the corner of Africa. How did they eventually make it to the top of the biological chain and take over the planet? Where did money and religions originate from? Why did the empires created by humankind rise and fall one after another? How did science and capitalism become the most crucial tenets of modern society? This book will help you sort out the journey of humankind from ancient times. By uncovering the origins of cultures, religions, laws, nations, and credit, humankind can reexamine itself. Author : Yuval HarariBorn in Israel, Yuval Harari is a history professor at the Hebrew University of Jerusalem. He is a world-renowned historian and a rising star in the field of history. His focus areas incorporate history, anthropology, ecology, genetics, and other academic disciplines. From a macroscopic point of view in his research, he frequently yields perspectives that are innovative and can afford much food for thought. Hence, his works are highly sought after by readers from all walks of life. Once published, his Sapiens became an international hit and gained popularity in dozens of countries. Overview | Chapter 1Hi, welcome to Bookey. Today we will unlock the book Sapiens: A Brief History of Humankind. East Africa, 2 million BC. It was a stretch of lush grassland, covered by a sea of bright greenness after the rainy season. Above the distant horizon were a few pale cumulus clouds scattered across the azure sky. A gutted giraffe lied underneath a tall Acacia tree, while a pride of lions gnawed on it. In a secluded spot in the grass next to the tree, hounds and jackals waited quietly. By the time the lions had left the area, hounds and jackals swarmed and feasted on the giraffe until all that's left was a skeleton, then they departed contentedly. At this moment, another group of creatures, very humanlike and somewhat chimpanzee-like, walked out of the bushes a little further. The group of creatures had arms and legs but walked upright. After carefully gathering around the giraffe skeleton and vigilantly surveying their surroundings, the creatures chiseled the giraffe's bones with several sharp stones. They dug out the only edible tissue that remained: marrow. The surface of the moon, 1969. The plains and plateaus composed of Plagioclase and basalt were dotted with meteor craters of breccia. Since the atmosphere was thin and almost nonexistent, the sunlight shining onto the grayish-white pitted ground was directly reflected into space. It not only resulted in considerable land surface temperature difference but also turned the sky pitch black. For billions of years since its birth, this place had been dead and quiet. Until this day, there had been no sign of life except for occasional visits by meteorites. A strange metallic device appeared in the distant sky and landed after quickly approaching. Two creatures in white but outlandish attire descended from the machine above. They bounced clumsily on the ground, inserted flags, and erected a metal tablet on this patch of land. Then one of them made a footprint in the ground and said, "That's one small step for man, one giant leap for mankind." At this point, it should be clear to everyone that both stories are about ourselves as humans. Not so long ago, we were just weaklings on the prairie. We lived a life of fear and anxiety, feeding on raw, bloody meats. But in a short amount of time, we created a colossal global civilization. By what force did we as a species rise to power? Where did humankind originate? And how was civilizations born? How did we stick out from...

When this week's guest Jen McNutt laced up her figure skates and got back on the ice after a 26-year hiatus, her goal was to try to get back to where she used to be–hitting double jumps on the ice. Perimenopause had other ideas. Jen found herself struggling with fatigue, weakness, poor recovery, and sliding self-confidence. Then she found our community and all the advice for active, performance-minded menopausal women, and everything turned around. Now at 48, she's not only gotten her double jumps back, but she's also considering taking on some triples, because as she says, “I'm not the athlete I used to be. I'm the athlete I am now. And there's potential to take this further.” We talk all about how she found her power and confidence on the ice and much more.Jen McNutt grew up in Calgary, Alberta where she was very active in figure skating, gymnastics, snowboarding, hiking, and running. She completed her Masters in Physiotherapy at the University of Alberta in 2009, after which she moved to Nelson, BC to start a career and family. Jen is committed to enhancing the overall physical health, fitness, and quality of life of her clients through one-on-one, individualized physical therapy programs focused on clients' goals. She is a life-long learner and continues to expand her knowledge base, including pursuing education in pelvic floor therapy. Jen also does canine physiotherapy. When not working, Jen loves to spend time hiking with her family and dogs, trail running, figure skating, snowboarding, and discovering all the beauty the Kootenays have to offer.Follow Us on Instagram:Feisty Menopause: @feistymenopause Feisty Media: @feisty_media Selene: @fitchick3 Subscribe to the weekly Feisty Menopause blog: https://www.feistymenopause.com/feistyinbox Hit Play Not Pause Facebook Group: https://www.facebook.com/groups/807943973376099 Join Level Up - Our Community for Active Women Navigating the Menopause TransitionJoin: https://www.feistymenopause.com/monthly-membership-1 Leave your questions for Selene:https://www.speakpipe.com/hitplay Get the Free Feisty Women's Guide to Lifting Heavy Sh*t:https://www.feistymenopause.com/liftheavy Support our Partners:The Amino Co: Shop Feisty's Favorite 100% Science-Backed Amino Acid Supplements. Enter code HITPLAY at Aminoco.com/HITPLAY to Save 30% + receive a FREE gift for new purchasers! Velorosa: Use code FEISTY15 for 15% off your first order at https://velorosacycling.com Previnex: Get 15% off your first order with code HITPLAY at https://www.previnex.com/ Bonafide: 20% off your first purchase when you subscribe to any product with code HITPLAY at hellobonafide.com/hitplay That's It.: Receive 20% off your order with the code PLAY20 at thatsitfruit.com

We have have a guest this week, Claire Cooper from the BROADminded Podcast!! We get right into the Bidet conversation (pretty much every episode now!) We talk about the correct way to wipe, We talk Axe Throwing and Rage Rooms. Branden has a mouse problem and debates how to get rid of them. Branden thinks AD and BC meant something different (it does not). Drunk guys are annoying at bars which gets us talking about local bars and wrong phone numbers. Join us for so much more on the Taking It Too Far Podcast! Claire Cooper and the BROADminded Podcast We all encourage you to interact with our Social Media pages @TITFPODCAST on ALL socials. Check our hosts out on Instagram Branden- @uni_baller & @therealrandydick Laura-@Uniballerwife Adam-@adamnelson5142 Please Like Subscribe and Rate!!!

As we recorded this episode, we were hours from the launch of Tears of the Kingdom. Just a short introduction to BC, Bry, Jurm, and Tegan

On Episode 442 of Morning Kombat Luke and Brian are joined by Eric Nicksick to break down Francis Ngannou's new deal with PFL. What are Eric's thoughts? Who will he fight? The guys discuss it all. Next up BC and LT preview UFC Vegas 73 and Devin Haney vs. Vasiliy Lomachenko. The guys also break down some recent fight announcements before closing out the show with Fan Submissions. (5:00) - Francis Ngannou News (62:20) - UFC 291 & 292 Fight Announcements (78:20) - UFC Vegas 73 Preview (83:30) - Eric Nicksick Joins Morning Kombat Morning Kombat is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.     For more Combat Sports coverage subscribe here: youtube.com/MorningKombat   Follow our hosts on Twitter: @BCampbellCBS, @lthomasnews, @MorningKombat    For Morning Kombat gear visit:morning kombat.store   Follow our hosts on Instagram: @BrianCampbell, @lukethomasnews, @MorningKombat To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Sorry to anybody with dreams! This week Johnny and Tyler discuss the death and burial of Neysi Perez, as well as the Andrée Arctic Balloon Expedition. Plus: Swedish Death Cleaning is making an impact, a pet owner's nightmare in BC, and we finally admit that we're Deadites.Join the Secret Society That Doesn't Suck for exclusive weekly mini episodes, livestreams, and a whole lot more! patreon.com/thatsspookyCheck out our new and improved apparel store with tons of new designs! thatsspooky.com/storeCheck out our website for show notes, photos, and more at thatsspooky.comFollow us on Instagram for photos from today's episode and all the memes @thatsspookypodWe're on Twitter! Follow us at @thatsspookypodDon't forget to send your spooky stories to thatsspookypod@gmail.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It seems like Spring is no longer a season for us in here BC so we are right into training in the heat. There are a lot of factors to keep in mind when training in hotter temperatures such as recovery, sodium intake post-training, and reducing your training intensity or time to keep within the early season limits of your body. Wardo tackles all this and more in the latest episode of HYP.  @drmattwarddc @hardyardsperformance ------------------------- Get 10% off everything at ARGALI Outdoors by using code BTK at checkout. Join the BTK Mountain Hunter training program and build the strength, durability, grit, and endurance you need to take on the mountains this season.

Photo: No known restrictions on publication. @Batchelorshow 1918 Iceland 3/8: Alaskan volcano 43 BC led to weak crop harvests in Egypt and obliged Cleopatra to choose a protector: she chose the wrong Roman: 3/8: The War That Made the Roman Empire: Antony, Cleopatra, and Octavian at Actium  by  Barry Strauss  https://www.amazon.com/War-That-Made-Roman-Empire/dp/1982116676 The Battle of Actium had great consequences for the empire. Had Antony and Cleopatra won, the empire's capital might have moved from Rome to Alexandria, Cleopatra's capital, and Latin might have become the empire's second language after Greek, which was spoken throughout the eastern Mediterranean, including Egypt.

Photo: No known restrictions on publication. @Batchelorshow 1868 1/8: Alaskan volcano 43 BC led to weak crop harvests in Egypt and obliged Cleopatra to choose a protector: she chose the wrong Roman: 1/8: The War That Made the Roman Empire: Antony, Cleopatra, and Octavian at Actium  by  Barry Strauss  https://www.amazon.com/War-That-Made-Roman-Empire/dp/1982116676 The Battle of Actium had great consequences for the empire. Had Antony and Cleopatra won, the empire's capital might have moved from Rome to Alexandria, Cleopatra's capital, and Latin might have become the empire's second language after Greek, which was spoken throughout the eastern Mediterranean, including Egypt.

Photo: No known restrictions on publication. @Batchelorshow 2015 Iceland 4/8: Alaskan volcano 43 BC led to weak crop harvests in Egypt and obliged Cleopatra to choose a protector: she chose the wrong Roman: 4/8: The War That Made the Roman Empire: Antony, Cleopatra, and Octavian at Actium  by  Barry Strauss  https://www.amazon.com/War-That-Made-Roman-Empire/dp/1982116676 The Battle of Actium had great consequences for the empire. Had Antony and Cleopatra won, the empire's capital might have moved from Rome to Alexandria, Cleopatra's capital, and Latin might have become the empire's second language after Greek, which was spoken throughout the eastern Mediterranean, including Egypt.

Paul West-Sells of Western Copper and Gold provides a quick corporate update into the plans for its Casino project this year, while the company continues to work closely with two key strategic investors. Most of the conversation also focuses on some early news regarding power in Yukon and some glimpses into possibilities of connecting to the electrical grid from BC. Still early days, but certainly a development worth paying attention to.

 As we continue on through the month of Mental Health Awareness, I am excited to drop today's episode with my special guest. The more I learned about my guest in preparation for this interview I realized how truly aligned with both are. I absolutely loved our conversation and I hope you gain as much value as I did here today. To welcome my guest, BC Serna. He is an accomplished community architect with a passion for creating positive change in the world. For over 15 years, he has traveled extensively to more than 80 countries, working with a wide range of movements, non-profit organizations, and companies to help raise awareness and support for various causes. From assisting Syrian refugees to taking inner-city Denver high schoolers around the world, BC's work has been focused on making a difference wherever he goes. Currently, BC leads Pursuing Purpose, an organization that helps individuals overcome childhood traumas, heal emotional wounds, and build conscious communities through live events and retreats. Through his work, he has created and cultivated a wealth of resources and networks that he shares with others to help them achieve their goals. With over 1,000 individuals mentored and a strong online presence of over 100k members, BC's commitment to creating a better world is evident in everything he does. In addition to Pursuing Purpose, BC has founded and led other impactful projects, including The Traveling Good and National Leadership Academy. His vast experience in community-building, content creation, and mentorship has made him a respected leader in his field. BC is deeply committed to helping individuals find their purpose, overcome obstacles, and create meaningful change in their lives and the world. In this episode you learn: The power of mentorship Leading first and what that looks like How to uncover your purpose Being a heart-led leader Closing the healing loop Being of service and filling your cup Why so many struggle showing up as their authentic self  Leading our youth Episode Sponsored by: Go to https://betterhelp.com/plppodcast for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help #sponsored For full show notes and episode resources head to: https://ericalippy.com/bc-serna/ Find our guest at: BC Serna | Website,  Instagram ,Facebook Check out National Leadership Acedemy  Pursuing Purpose Podcast Follow me on Social Media: Your Host: @ericalippy Podcast: @passionlovepursuit Facebook YouTube PASSION LOVE PURSUIT PODCASTS: https://ericalippy.com/the-podcast/

Photo: No known restrictions on publication. @Batchelorshow 1902 Nicaragua 2/8: Alaskan volcano 43 BC led to weak crop harvests in Egypt and obliged Cleopatra to choose a protector: she chose the wrong Roman: 2/8: The War That Made the Roman Empire: Antony, Cleopatra, and Octavian at Actium  by  Barry Strauss  https://www.amazon.com/War-That-Made-Roman-Empire/dp/1982116676 The Battle of Actium had great consequences for the empire. Had Antony and Cleopatra won, the empire's capital might have moved from Rome to Alexandria, Cleopatra's capital, and Latin might have become the empire's second language after Greek, which was spoken throughout the eastern Mediterranean, including Egypt.

Photo: No known restrictions on publication. @Batchelorshow #Londinium90AD: Gaius and Germanicus reflect upon the lucky roman warm prior, 300 BC-500 CE. Michael Vlahos. Friends of History Debating Society.

This podcast was made possible by www.labrottiecreations.com Check out their merchandise and specifically their fun pop pet art custom pieces made from photos of your very own pets. Use the promo code CRIMEXS for 20% off a fun, brightly colored, happy piece of art of your own pet at their site.Music in this episode was licensed for True Crime XS. Our theme song today is Indestructible by Noah Smith.You can reach us at our website truecrimexs.com and you can leave us a voice message at 252-365-5593. Find us most anywhere with @truecrimexsThanks for listening. Please like and subscribe if you want to hear more and you can come over to patreon.com/truecrimexs and check out what we've got going on there if you'd like to donate to fund future True Crime XS road trip investigations and FOIA requests. We also have some merchandise up at Teepublic http://tee.pub/lic/mZUXW1MOYxMSources:www.namus.govwww.thecharleyproject.comwww.newspapers.comFindlaw.comVarious News Sources Mentioned by Name

The vision for the Bakersfield Women's Business Conference originated during the International Year Of The Woman. Phyllis Hullett, then Director of Student Services at Bakersfield College, gathered a group of community-minded women from industry, government, education and service-oriented areas on March 28, 1989. The goal was to discuss the feasibility of producing a business conference geared toward the needs of women. Out of this meeting, twelve women and one lone man, Pat Shaffer, Dean of Development at Bakersfield College, agreed to serve on the executive board. Options Unlimited, The Bakersfield Women's Business Conference was born. Amanda DiGiacomo is joined in studio with NaTesha “T” Johnson the CEO of Upside Productions Management, a strategic partnership company here in Bakersfield. She specializes in cultivating relationships focusing on diversity, equity, and inclusion outreach. NaTesha is often referred to as the “Community Connector” since she is passionate about empowering the new generation of leaders through personal and professional development. She is also the Chair of the Women's Business Conference and this year's theme was Bringing Business Back. Amanda also attended this year's Women's Conference as one of the many vendors they had on site! She was able to attend the day before where she had the opportunity to interview: Janelle with ADAKC, Adriana with Ikondium Design, Todd Jeffries with Bakersfield Community Healthcare, Heidi with Sugar Daddy's Boutique, Artisa Mae Moten with Awakened Consulting, Stephanie with SNA Creations and Vonda with Kern Golden Girls. Amanda also attended the day of where she was able to interview: Dress for Success, Charity with Kern County SHRM, Johnny with Great Heritage, Cassidy George with Cypress Avenue Media, Janice with the Department of Human Services, and Jasmine Gutierrez the Job Development Specialist with BC. LEARN MORE ABOUT BAKERSFIELD WOMEN'S BUSINESS CONFERENCE:  Website: https://bakersfieldwomen.org/ Phone: 661-378-4707 Email: bakersfieldwomen@gmail.com Instagram: @bakersfieldwomen Facebook: Bakersfield_Women's_Business_Conference YouTube: @bakersfieldwomensbusinessc3885  

On episode 440 of MK, the guys are BACK IN STUDIO the bomb shelter for more studio fun. Luke and BC break down the weekend events in combat sports and share their top bets for the action. Plus, they debut some INCREDIBLE new segments you wont want to miss. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

#JuddzBudz Podcast Episode 65

The dawn redwood (Metasequoia glyptostroboides) was once the water fir, a tree endemic to a small valley in China. But thanks to the likes of Chinese foresters, a Japanese paleobotanist, and American plant explorers, this tree is now a worldwide sensation. Join us as we journey to China, 3,000,000 BC and 1940s Japan to witness the birth of a forest giant.Completely Arbortrary is produced and hosted by Casey Clapp and Alex CrowsonJoin the Cone of the Month ClubSupport the show on PatreonFollow along on InstagramFind Arbortrary merch on our storeFind additional reading on our websiteCover art by Jillian BartholdMusic by Aves and The Mini-Vandals

Nesta quarta-feira (10), uma nova edição da pesquisa Genial/Quaest indicou ligeira contradição dentro do mercado financeiro: enquanto agentes seguem mal-humorados em relação a Lula (PT) - cuja avaliação é negativa para 86% dos entrevistados – a avaliação positiva sobre Fernando Haddad (PT), no comando da Fazenda, subiu 16 pontos percentuais. Diante do morde e assopra dos dois lados, o mais recente movimento de aproximação feito pelo governo foi a indicação de Gabriel Galípolo, atual número 2 de Haddad, para a mais importante diretoria do Banco Central. Para avaliar o atual status da relação governo-mercado, Natuza Nery conversa com o cientista político Felipe Nunes, diretor da Quaest, e com o próprio Gabriel Galípolo. Neste episódio: - Felipe explica como Fernando Haddad se tornou o “malvado favorito” da Faria Lima: aprovação ao arcabouço fiscal, revisão de renúncias fiscais e iminente queda na taxa de juros. Mas pondera como Lula segue por um caminho diferente e “ainda não comprou o mercado”; - O cientista político descreve as atribuições do diretor de política monetária do BC: “Uma posição que fala muito com o mercado financeiro”. E revela que a expectativa dos agentes econômicos é de que, ao assumir o cargo, Galípolo esteja integrando um “estágio de um ano e meio antes de virar presidente do BC” - o mandato de Campos Neto vai até o fim de 2024; - Galípolo diz que sua indicação à diretoria do BC se deve ao “excelente diálogo” que tem com o atual presidente da instituição - com quem, diz, “conversa quase todo dia”. E afirma que isso faz parte de um movimento para “harmonizar as políticas fiscal e monetária”; - O economista avalia a opinião do mercado sobre a atuação do governo e responde que “o mercado oferece outra ferramenta muito boa, que são os preços dos ativos”. Para Galípolo, é natural que os agentes financeiros tenham recebido as propostas da Fazenda com ceticismo – que, argumenta, “só será vencido com ações e com vitórias”.

The Palestinians call it Akka, in English they say Acre, which goes back to how the Crusaders called the city, today we hear people referring to it as Akko and the root letters AK go back to the Egyptian execration texts in hieroglyphic script that mention AK already in the 19th century BC. Today we can talk about three parts of Akka: the old city inside the Ottoman walls on a peninsula in the Mediterranean Sea, the ancient city that dates back to early and middle bronze age on the Tel east of the old city and modern Akko that has developed in the last decades and now incorporates the ancient Tel, known in Arabic as Tel el Fukhar. When you visit Akka today, you will mainly see the remains of the Crusader period and the Ottoman period. The biggest tourist attractions are: the Crusader Knights' halls, the Crusader tunnel, the old city with its 'khans', the Al Jazzar mosque, the sea port with its fish restaurants, the suq and the Ottoman city walls. In this episode you can learn more about the ancient history of Akko. If you want to connect on social media, subscribe for the newsletter, learn more about the ten days travel program or make a donation to the podcast, use this linktree:https://linktr.ee/Storiesfrompalestine

RPI rankings and ACC Championship talk dominate episode 10 of "Turning Two" with an appearance from Boston College baseball captain Vince Cimini. Plus a final look back at BC softball, which finished the year with a clean sweep of rival Syracuse. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, Dr. Richard E. Engler, Director of Chemistry for B&C and The Acta Group (Acta®), our consulting affiliate, returned to the studio to discuss a recently filed lawsuit challenging the U.S. Environmental Protection Agency's (EPA) issuance of a Consent Order under Section 5(e) of the Toxic Substances Control Act (TSCA). Judicial challenges to TSCA Section 5(e) orders are rare, and this one is even more unusual because the petitioner is a non-governmental organization (NGO) and the challenge was filed well beyond the statutory time period for judicial challenge, according to some. We discuss TSCA Section 5(e) orders, the process for challenging them, and some of the underlying issues at play here, including the concept of “chemical categories” under Section 5, concerns with EPA's new chemical review process, and EPA's assessment and communication of risk in the new chemicals it reviews under Section 5. ALL MATERIALS IN THIS PODCAST ARE PROVIDED SOLELY FOR INFORMATIONAL  AND ENTERTAINMENT PURPOSES. THE MATERIALS ARE NOT INTENDED TO CONSTITUTE LEGAL ADVICE OR THE PROVISION OF LEGAL SERVICES. ALL LEGAL QUESTIONS SHOULD BE ANSWERED DIRECTLY BY A LICENSED ATTORNEY PRACTICING IN THE APPLICABLE AREA OF LAW. ©2023 Bergeson & Campbell, P.C.  All Rights Reserved

Alberta's in a state of emergency and no one had a clue, King Charles coronation, and Coach P recaps the wildest netflix show "jailbirds" and breaks down "toilet talk" IF HE WANTED TO HE WOULD! The Coaches Huddle features a glasses groom, hat wearing groom, columbian stags, and possibly the worst first date story we've ever heard! Follow the official podcast IG www.instagram.com/coachppodcast For BONUS Coaches Huddle episodes and archived IG Lives SUBSCRIBE to the PATREON www.patreon.com/coachppodcast Follow Gurk www.instagram.com/karanbhattirealestate for …. BEST DEAL, WITHOUT WAIT! Producer/Audio Engineer Kyle Bhawan www.instagram.com/kylebhawan & www.instagram.com/dontdoze Song "Be Like That" by ALWAYSREVÉ www.instagram.com/alwaysreve Fresh Canvas Spa & Laser Centre located in Surrey and Metrotown-Burnaby —> Use code COACHES for 15% off all services and all skincare at www.freshskinshop.com  Buying or selling a house in the lower mainland, BC? Contact Lucky Chahal www.instagram.com/soldbylucky  Mention the podcast and he'll help with legal fees! Hair Nation, Canada's leading hair transplant team based. We're here to offer advice and treatments, based on years of clinical experience and proven patient results. ⁠Visit www.hairnation.ca and book a consultation!

In the series finale following the life of Judah Maccabee "The Hammer", Gil Kidron joins me to discuss the Maccabean Revolt broadening from a religious conflict into a war of independence. With Judah reshaping his guerrilla force into a veritable Hebrew field army, daring to take on the superior armies of the Seleucid Empire in pitched battle. Initially meeting with a grave setback, followed by Judah's greatest battlefield victory. The prelude to his death in a heroic last stand that would inspire the revolt to continue beyond his lifetime, eventually achieving the dream of Judean independence in 140 BC.   If you would like to support my work directly, you can kindly do so here: patreon.com/warlordsofhistory  Check out A Podcast of Biblical Proportions: podcastofbiblicalproportions.com

https://lewishowes.com/mindset - Order a copy of my new book The Greatness Mindset today!Sheleana Aiyana is a best selling author of Becoming the One, and founder of Rising Woman, a growing community of more than 3 million readers. Her training and immersion in couples facilitation, inherited family trauma, family systems, conscious relationship and somatic healing inform her holistic approach to seeing relationship as a spiritual path. She lives with her husband, Ben and their daughter on the unceded land of the Coast Salish peoples, now known as Salt Spring Island, BC.Be sure to buy her book, Becoming the OneIn this episode you will learn,How to foster healthy love with others.How to use lessons from traumatic experiences to be of service to others.What patterns to be aware of in toxic and abusive relationships.How to become aware of our own nervous system patterns and heal our nervous system.How to develop healing processes to work through deep rooted pain.How to take an honest look at yourself in order to create a conscious relationship with someone else.How to listen to and trust your own intuition.How to recognize and work through attachment wounds.What it looks like to mature in a relationship.For more information go to www.lewishowes.com/1436Listen here for more episodes on healing, love and relationships:Joe Dispenza: https://link.chtbl.com/1054-podStephan Speaks: https://link.chtbl.com/1114-podMarisa Peer: https://link.chtbl.com/1228-pod

Boston College is still looking for their class of '24 quarterback, and Aidan Glover out of Collierville (TN) is one of their prime targets. He had a huge weekend at the Elite 11 regionals in Oxford, Mississippi, which of course got him noticed. What does this mean for the Eagles? The big question heading into this summer is how Boston College will replace Zay Flowers who headed to the Baltimore Ravens in the 2023 NFL Draft. We look at Ryan O'Keefe and what we can realistically expect from the UCF transfer. Finally, the women's lacrosse bracket is out, and BC baseball finds out their latest poll number. Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. FanDuel Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices