Podcasts about Carruthers

When it comes to planning a funeral, any service comes at a cost. The price is definitely not what you think of first, but it is something that you have to consider. To give us a break-down on what does it actually cost and how the death-care industry is evolving we are joined by Shawn Davidson, a licensed funeral director and owner/manager of Carruthers & Davidson Funeral Home. For more information check out carruthersdavidson.com.

One of the government's first acts on coming to power in July was to launch a consultation on changes to the National Planning Policy Framework in a bid to deliver its ambition of 370,000 homes a year over the course of this parliament.   Proposed changes include a new methodology for housing targets, a move towards more strategic planning and a revised definition of the green belt.   In this episode of The Local Authority we explore whether the proposals will have the desired effect – and what else needs to change to deliver the homes the country needs.   LGC editor Sarah Calkin is joined by: Ann Carruthers, president of the Association of directors of environment, planning and transport and  director of environment and transport for Leicestershire CC Richard Clewer, leader of Wiltshire Council and a member of the LGA's local infrastructure and net zero board Hugh Ellis, director of policy at the town and country planning association

Alina Du speaks with Rayna Carruthers on her experience accompanying PEACH Foundation to Mae Sot, Thailand.

2024 - 10 - 09 Gordon Carruthers by CurtinFM 100.1 in Perth, Western Australia

Welcome to award-winning The Hill Country Podcast. The Texas Hill Country is one of the most beautiful places on earth. In this podcast, Hill Country resident Tom Fox visits with the people and organizations that make this the most unique area of Texas. This week Tom welcomes Rachael Carruthers, head of patron services at the Butt-Holdsworth Memorial Library in Kerrville, Texas. Rachael discusses her 15-year career at the library, emphasizing the diverse programming she helps organize, including community outreach, reference assistance, and the upcoming ‘Readers, Writers, and Books' event. The event will feature talks from notable figures such as Kathleen Hudson, Tom Fox, and Larry Morris, covering topics like oral histories, the Hill Country author podcast, and self-publishing. Rachael highlights the vibrant literary scene in Kerrville, the library's supportive role for local authors, and the various book clubs tailored to different interests within the community. Key Highlights: Rachael's Role at the Library Upcoming Event: Readers, Writers, and Books Community Engagement and Outreach Library Resources and Services Book Club Events Resources: Butt-Holdsworth Memorial Library Other Hill Country Focused Podcasts Hill Country Authors Podcast Hill Country Artists Podcast Texas Hill Country Podcast Network

Professor Todd Davenport is the Professor and Vice Chair of the Department of Physical Therapy in the School of Health Sciences at the University of the Pacific in Stockton, California, USA is interviewed by Dr Funmi Okunola about Post Exertional Malaise in Long COVID and ME/CFS.REFERENCES1. Davenport TE,Stevens SR, Stevens J, Snell CR, VanNess JM. Lessons from myalgicencephalomyelitis/chronic fatigue syndrome for Long COVID: Postexertionalsymptom exacerbation is an abnormal response to exercise/activity. J OrthopSports Phys Ther. 2022.2. Long COVID Physio's Pacing Video3. Carruthers et al International Consensus Criteria for ME, which contains the criteria for PENE4. Walitt B, Singh K, LaMunion SR, Hallett M, Jacobson S, Chen K, Enose-Akahata Y, AppsR, Barb JJ, Bedard P, Brychta RJ. Deep phenotyping of post-infectious myalgicencephalomyelitis/chronic fatigue syndrome. Nature Communications. 2024 Feb21;15(1):907. 5. Appelman B, Charlton BT, Goulding RP, Kerkhoff TJ, Breedveld EA, Noort W, Offringa C,Bloemers FW, van Weeghel M, Schomakers BV, Coelho P. Muscle abnormalitiesworsen after post-exertional malaise in long COVID. Nature communications. 2024Jan 4;15(1):1-56. PEM time course fact sheet7. Energy saving tips fact sheet8. Heart rate monitor fact sheet9. Why do a two-day CPET? Informational sheet10.

Educator and Bob Jones University faculty member Dr. Brian Carruthers joins Pastor Walton this week. Dr. Carruthers was on-island speaking to HCA staff.

2024 - 07 - 17 Gordon Carruthers by CurtinFM 100.1 in Perth, Western Australia

Hear the rest of our conversation with Bill Carruthers, who describes himself as "a person in long-term recovery." He is also a Certified Psychiatric Rehabilitation Practitioner; a Certified Peer Specialist for Mental Health, Addictive Disease, and Whole Health; and a Forensic Peer Mentor. He has done hundreds of presentations and workshops, and works to bring a voice gained through recovery experience to the transformation of current systems and programs. He is a new partner with Allies in Recovery.

What would change things is love. … We ask people to act, to change, to make sacrifices, or what may be perceived as sacrifices, which in the end can turn out to be incredible things as we open up a world we didn't consider possible for ourselves; it was always love that got people to take those steps and those decisions.Born and raised in the occupied unceded sovereign territories of the Sḵwx̱wú7mesh (Squamish), xʷməθkʷəy̓əm (Musqueam), and səlil̓wətaʔɬ (Tsleil-Waututh) peoples on the wild West coast of colonial Canada Beth Carruthers is an artist and researcher whose work and practice focuses on  how aesthetic engagements, and especially arts and design based praxis, can seed and nurture transformative change in socio-cultural systems leading toward a sustainably flourishing future for all life.My first conversation with Beth was in October 2019, e05 carruthers – art that informs, forms and transforms so I wanted to reconnect with Beth some 5 years later to get an update on what this amazing creative mind is up to.She told me many new things, for example, about her origins:I come from a family of Highland Scots who were driven off their land and shipped to Canada to be placeholders for the empire about five or six generations ago. For some reason the Scots, Irish and Celtic peoples have managed, despite the church and all kinds of other occupations, to hang on to a kind of animist understanding of being in the world and an understanding of the world as a living sentient place. That's not what school tells you and that's not the narrative of modernism in the West. At one point Beth referred to this poem, A Walk, by Rainer Maria Rilke, from his Uncollected Poems, which opens Beth's book chapter in the book Call and Response: Deep Aesthetics and the Heart of the World (2013). Beth asked that it be mentioned in the episode notes: ‘Already my gaze is on the hill, that sunlit one,up ahead on the path I've scarcely started.In the same way, what we couldn't grasp grasps us:blazingly visible, there in the distance –and changes us, even if we don't reach it,into what we, scarcely sensing it, already are;a gesture signals, answering our gesture…But we feel only the opposing wind.'Beth recommended the following reading and viewing materials: At Work in the Ruins: Finding Our Place in the Time of Science, Climate Change, Pandemics and All the Other Emergencies by Dougald HineThe world is not a problem: a conversation between Dougald Hine and Iain McGilchrist *END NOTES FOR ALL EPISODESHere is a link for more information on season 5. Please note that, in parallel with the production of the conscient podcast and it's francophone counterpart, balado conscient, I publish a Substack newsletter called ‘a calm presence' which are 'short, practical essays for those frightened by the ecological crisis'. To subscribe (free of charge) see https://acalmpresence.substack.com. You'll also find a podcast version of each a calm presence posting on Substack or one your favorite podcast player.Also. please note that a complete transcript of conscient podcast and balado conscient episodes from season 1 to 4 is available on the web version of this site (not available on podcast apps) here: https://conscient-podcast.simplecast.com/episodes.Your feedback is always welcome at claude@conscient.ca and/or on conscient podcast social media: Facebook, X, Instagram or Linkedin. I am grateful and accountable to the earth and the human labour that provided me with the privilege of producing this podcast, including the toxic materials and extractive processes behind the computers, recorders, transportation systems and infrastructure that made this production possible. Claude SchryerLatest update on April 2, 2024

Welcome to Season Two of In My Tracks! This week, we are going to flip the script and get to know each other better. I am going to be in the interviewee spot talking all things music and podcasts with Mia Carruthers from PLAY Audio Agency.  Follow Mia Carruthers and check out her music on all platforms:  Instagram: https://www.instagram.com/miacarruthers/ Spotify (The Bright Light Social Hour): https://open.spotify.com/artist/7oIZ8VPQ688hUQ3dQ4y6rD Spotify (Carruthers & Roush): https://open.spotify.com/artist/07gQVzh3eCzkCW15QGYTh7 Music is meant to be shared, so tell your friends about In My Tracks! Follow In My Tracks on socials: Instagram: https://www.instagram.com/inmytrackspod TikTok: https://www.tiktok.com/@inmytrackspod YouTube: https://www.youtube.com/@InMyTracksPod Spotify playlists: https://open.spotify.com/user/31n4cgpxynsbahjqnybumnsaucry?si=3ed6eae3a1b74656 All links: https://linktr.ee/inmytrackspod Creator, Producer, Writer, and Host: Jada Burt  https://www.instagram.com/jadaxburt/ Recording, Producing, Engineering, Composing, Editing, and Writing: PLAY Audio Agency https://www.playaudioagency.com/ Creative Direction, Design, Illustration, Branding, and Video Editing: Liz Rose Studio https://www.lizroses.com/

Our hosts have a conversation with Bill Carruthers, who describes himself as "a person in long-term recovery." He is also a Certified Psychiatric Rehabilitation Practitioner; a Certified Peer Specialist for Mental Health, Addictive Disease, and Whole Health; and a Forensic Peer Mentor. He has done hundreds of presentations and workshops, and works to bring a voice gained through recovery experience to the transformation of current systems and programs. He is a new partner with Allies in Recovery.

What is up Weirdo's! Were back! New and Improved (hopefully). This week's epsiode I reintroduce the show, we've changed a few things, and give you an intro into what this Season is gonna look like. We are covering our relationship with the book Unapologetic A Black, Queer, and Feminist Mandate for Radical Movements by Charlene A. Carruthers. I am so excited and can't wait for y'all to join me. 

Friday, May 3rd at 3pm ARTS – Live & Local! Carol Newman & guests: Soprano Minntah Haefker and Drummer Brent Follis with the debut of The Minntah Quartet at Carruthers in Astoria. Educator Dr. Jenni Newton on the third annual North Coast Inclusion Seminar at Astoria High School. Mary Blake with ‘A Pollinators Affair –...

Curling Breakup Bombshell   The 2 Girls and a Game curling podcast—No. 1 in the industry—returns with episode 19 of season 9.   Both hosts are back from competitive weekends, G1 from the Ontario Mixed and G2 from the Canadian Masters. The gals discuss both championships and their respective results.   Next up is the 2G breakdown of the biggest news of the week: the merry-go-round of abrupt men's team changes over the past couple of days. There is further speculation as to what's coming in the following days, which includes the women's side of things.   The Grand Slam property acquisition is discussed, as are the results from the Toronto season finale, and the Girls say farewell to the legend that is Glenn Howard.   And there's more. Much more.   If you're listening on The Curling News website, you can watch as well. Colourful images have been embedded in the media player file to enhance your podcast experience.   Enjoy the episode and stay safe!    

Look, I usually try to put a funny little summary here but this movie is vile and hateful and not good for Christians or Atheists or really anyone who doesn't have a black heart. The guys are joined by former pastor Troy Carruthers to get into some of the more intricate aspects of religion (especially the danger of “narrative”) and why this movie is harmful to everyone. Don't worry, they still had fun discussing this nutty movie. They also discuss Kevin Sorbo's come-to-Jesus moment, the Newsboys, evil Liberals and their woke agenda, the premise that would never happen in a million billion years and more. Plus: Troy's Top 10 list directed at Brendan. Next week: Rock it! What We've Been Watching: Notes on a Scandal Godzilla x Kong: The New Empire Nimona Questions? Comments? Suggestions? You can always shoot us an e-mail at wwttpodcast@gmail.com  Patreon: www.patreon.com/wwttpodcast Facebook: www.facebook.com/wwttpodcast Twitter: www.twitter.com/wwttpodcast Instagram: www.instagram.com/wwttpodcast Theme Song recorded by Taylor Sheasgreen: www.facebook.com/themotorleague Logo designed by Mariah Lirette: www.instagram.com/its.mariah.xo Montrose Monkington III: www.twitter.com/montrosethe3rd God's Not Dead stars Shane Harper, Kevin Sorbo, David A.R. White, Trish LaFache, Hadeel Sittu, Marco Khan, Cory Oliver, Willie Robertson, the Newsboys and Dean Cain; directed by Harold Cronk. Learn more about your ad choices. Visit megaphone.fm/adchoices

Afriware Books company owner shares the content of a Facebook post / review of the book by Dr Jacob carruthers visit our website to get your copy. --- Support this podcast: https://podcasters.spotify.com/pod/show/nzingha-nommo/support

TARARUA S-K, 22min., New Zealand Directed by Andy Carruthers Have you ever wondered what it feels like to push your limits in the wild, facing the ultimate physical challenge? The Tararua SK Traverse is waiting for you. https://tararuask.com/ https://www.facebook.com/TararuaSK https://www.instagram.com/tararuask_film/ Get to know the filmmaker: I want to inspire people to go on an adventure ⛰️ You can sign up for the 7 day free trial at www.wildsound.ca (available on your streaming services and APPS). There is a DAILY film festival to watch, plus a selection of award winning films on the platform. Then it's only $3.99 per month. Subscribe to the podcast: https://twitter.com/wildsoundpod https://www.instagram.com/wildsoundpod/ https://www.facebook.com/wildsoundpod

Caroline Carruthers, CEO of Carruthers and Jackson, joins host Andrew Miller to discuss developing an AI strategy - including defining an AI stragety and steps for getting started. For more information on Caroline's session and to view the full agenda please visit TDWI Virtual Summit Solving Business Problems with Analytics. ____________ More information: ·       TDWI Conferences: https://bit.ly/3XqBhGH ·       TDWI Modern Data Leader's Summits: https://bit.ly/4902fuu ·       TDWI Virtual Summits: https://bit.ly/31HJ2xr ·       Seminars: https://bit.ly/3WxQPr4 ·       More Speaking of Data Episodes: https://bit.ly/3JsQPWo   Subscribe to our TDWI Upside newsletter: https://bit.ly/3Ss4Ypz Follow Us on: ·       LinkedIn - https://bit.ly/42zCZZB ·       Facebook - https://bit.ly/49uej7j ·       Instagram - https://bit.ly/3HM8x57 ·       X - https://bit.ly/3SsYu9P  

In this episode of Books to the Boardroom, we have the privilege of welcoming Kate Carruthers, the esteemed Head of Business Intelligence and Chief Data & Insights Officer at UNSW, as this week's guest speaker. With her extensive expertise in data-driven decision-making, technology, and leadership, Kate brings a wealth of insights that are invaluable for today's business leaders.Throughout her impressive career, Kate has spearheaded initiatives to harness the power of data and analytics to drive innovation and achieve strategic objectives. Join us as we delve into her journey, exploring the challenges, triumphs, and pivotal moments that have shaped her approach to leadership. From her role at UNSW to her contributions to the broader data and technology community, Kate shares practical wisdom and actionable advice that can inspire leaders at all levels.Through engaging discussions and compelling anecdotes, Kate offers a deep dive into the transformative potential of data and insights, illuminating the path to organizational success in the digital age. Whether you're a seasoned executive, an aspiring data leader, or simply someone interested in leveraging data for competitive advantage, this episode promises to inform, inspire, and empower you on your leadership journey.Join us as we explore the intersection of data, technology, and leadership, unlocking new opportunities for growth and innovation in today's dynamic business landscape.

The guys get you all set for the final two days of the 2024 Brier in Regina. Plus, Canada is doing pretty well at the World Wheelchair Curling Championship in Gangneung, South Korea and on social media, some people are wondering why Team Carruthers is not referred to as Team Jacobs, since Brad Jacobs is skipping and throwing last rock. We were also curious so we did some investigating…Inside Curling is hosted by Kevin Martin, Warren Hansen and Jim Jerome. Recorded, Edited and Mixed by Mike Rogerson.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

Jean-Pierre Houle se questionne sur la différence entre les relations humaines et les ressources humaines… Comment “dealer” avec ça? Mélanie Parent de Transport Lau-Ann et Transport Harold Carruthers nous offre sur un plateau d'argent des jobs de mécanos et de classe 1! Tu te cherches une bonne entreprise? Appelle Mélanie Parent au (418) 386-1230 poste... The post 29 février 2024 Jean-Pierre Houle et Mélanie Parent de Transport Harold Carruthers THC appeared first on Truck Stop Québec.

In this episode, Nick & Don catch-up with Michael Carruthers, Corp VP of Gaming Operations at Delaware North. Learn about the past, present, and future of one of the industry's oldest and most diversified gaming operators, and how the gaming division is leveraging data and data analysis for competitive advantage. Also in this episode, lease vs buy for smaller operations. © 2015 -2024 RM Holdings B.V. and ReelMetrics B.V. All rights reserved.For transcripts of ReelCast episodes, please see https://www.reelmetrics.com/reelcast.For legal statements apropos of this and other ReelMetrics content / "Materials", please see https://www.reelmetrics.com/legal

A talk with Chris Carruthers of Clark-Floyd County Systems of Care on how his organization is helping to fill needs of social and public assistance in the Southern Indiana area. Chris's organization is an example of social entrepreneurship where nonprofits are often working with government agencies or working with government funding to deliver services to people that the market place is not providing. A little more about Chris and Systems of Care....... Chris Carruthers Born in Louisville, Kentucky, and has been a resident of Southern Indiana since 1999. Chris graduated from Christian Academy of Indiana in 2011 and went on to earn a Bachelor of Arts in Sociology from Franklin College. After working with the Floyd County Prosecutor's office, I went back to get my Master's in Education from Ottawa University while serving as a teacher for 3 years. In 2019, Chris made the jump into the nonprofit world and has served in several capacities within the nonprofit sector. From Program Manager at Community Action of Southern Indiana to Program Coordinator at Leadership Southern Indiana. I am currently the Director of Educational Programming at Clark Floyd System of Care and a part-time business owner at Enspire Consulting Group. Clark & Floyd System of Care Systems of CARE is the connecting of all service delivery systems in collaborating with Providers and Agencies that support children, youth and families impacted by Adverse Childhood Experiences, Mental Health and Addiction. Our values are Family-Driven, Youth-Guided, Collaborative, Trauma Informed, Culturally Relevant and Outcome Based.

In this magnificent interview, I spoke to the talented Erin Boyes in regard to her role in the Christmas horror comedy, “It's a Wonderful Knife” alongside Jane Widdop, Justin Long, and Joel McHale. For anyone who has not seen this movie, it's a Nancy Drew rendition of a teen slasher with a hint of Ghost Face from the Scream franchise. We discussed how the chemistry was on set with the other actors and actresses and how it was an absolute blast for the cast and crew. We also spoke about how the LGBTIQA Community has worked its way into horror movies and how it has drawn in nothing but a positive impact in the horror genre and other actors to step forward. It's with that perspective I believe that horror movies will continue to do so much better in the industry. Make sure to follow Erin Boyes on her Instagram account and continue to support her and her current/future projects. Also make sure to check her out in her new role in the upcoming horror movie “Longlegs” due to be released this year. --- Send in a voice message: https://podcasters.spotify.com/pod/show/southjerseyhorror/message

The podcast was a special dual-production episode between the AI and Education podcast, and the Data Revolution podcast, welcoming Ray Fleming and Kate Carruthers as the guests. The conversation centred around the transformation of the traditional data systems in education to incorporating AI. Kate Carruthers, the Chief Data and Insights Officer at the University of New South Wales, and Head of Business Intelligence for the UNSW AI Institute, discussed the use of data in the business and research-related aspects of higher education. On the other hand, Fleming, the Chief Education Officer at InnovateGPT, elaborated on the growth and potential of generative Artificial Intelligence (AI) in educational technology and its translation into successful business models in Australia. The guests pondered the potential for AI to change industries, especially higher education, and the existing barriers to AI adoption. The conversation revolved around adapting education to make use of unstructured data through AI and dealing with the implications of this paradigm shift in education.   The Data Revolution podcast is available on Apple Podcasts, Google Podcasts and Spotify.   00:00 Introduction and Welcome 00:58 Guest Introductions and Backgrounds 01:56 The Role of Data in Education and AI 02:32 The Intersection of Data and AI in Education 04:11 The Importance of Data Quality and Governance 08:00 The Future of AI in Education 09:49 Generative AI as the Interface of the Future 10:20 The Potential of Generative AI in Business Processes 11:26 The Impact of AI on Traditional Roles and Skills 12:00 The Role of AI in Decision Making 13:46 The Future of AI in Email Communication 14:38 The Role of AI in Education and Career Guidance 16:34 The Impact of AI on Traditional Education Systems 18:18 The Role of AI in Academic Assessment 20:11 The Future of AI in Navigating Education Pathways 36:37 The Role of Unstructured Data in Generative AI 38:10 Conclusion and Farewell

In this episode Dan Lesniak introduces keynote speaker Brian Carruthers, a successful entrepreneur and author who has built several multi-million dollar businesses. Carruthers shares his journey from real estate to entrepreneurship, emphasizing the importance of personal development and mentorship in achieving success. He stresses the need for real estate agents to grow beyond their current roles, highlighting the limitations of active income and advocating for the development of leveraged and residual income streams.   Carruthers discusses his own experiences in the real estate industry, including working in his father's firm and his eventual shift to entrepreneurship for greater financial freedom and flexibility. He offers insights into wealth building, leveraging business for residual income, and the significance of personal growth and mindset in business success. He also touches on the concept of financial freedom, encouraging listeners to consider their long-term goals and the lifestyle they aspire to achieve.   Throughout the episode, Carruthers provides practical advice for real estate professionals, focusing on the importance of building a business model that allows for an exit strategy, rather than being trapped in perpetual active income generation. He motivates listeners to think strategically about their careers and to seek opportunities that align with their ultimate goals of financial independence and personal fulfillment.   Connect with Brian on Instagram:  https://www.instagram.com/realbriancarruthers   Join Brian  as he discusses:   - The Transition from Active Income to Leveraged and Residual Income: Brian discusses his shift from a successful real estate career to entrepreneurship, emphasizing the importance of moving beyond active income towards creating sources of leveraged and residual income for long-term financial freedom.   - Importance of Personal Growth and Mentorship: He highlights the role of personal development and learning from mentors in achieving success. Brian shares how his experiences and the insights gained from influential figures shaped his journey and business philosophy.   -Building a Business with an Exit Strategy: Carruthers advises real estate professionals to consider building a business model that allows for an exit strategy, rather than being trapped in a cycle of perpetual active income generation, thereby achieving greater financial independence and flexibility. QUOTES TO SHARE    **On Financial Freedom**: "Everybody says they want time freedom. But if you have to keep on trading your time for money, you're never going to have real time freedom."   **On Real Estate and Entrepreneurship**: "I got out of real estate 25 years ago... There are agents that used to work in our family real estate company that I still see... and they're still selling houses, not because they love selling houses after 35 years, it's because they have to."   **On Goal Setting**: "If you don't have anything that you're striving for, you wake up thinking about, you go to bed thinking about it, scheming about it, planning for it... if you're not goal-oriented, you're just going to be on a hamster wheel of life." If you are ready to join eXp realty and would like Dan Lesniak and Keri Shull to personally sponsor you so you have access to two nationally recognized coaching programs text 703-638-4393.   WANT TO GET ACCESS TO ALL OUR HYPERFAST AGENT COURSES FOR A $1 TRIAL? Click here for a trial membership in the Our Inner Circle. KEEP UP WITH US HERE Website: https://hyperfastagent.com  Instagram: https://www.instagram.com/HyperFastAgent/  Facebook: https://www.facebook.com/HyperFastAgent/ Twitter: https://www.twitter.com/hyperfastagent  LinkedIn: https://www.linkedin.com/company/hyperlocal-hyperfast/    OUR OTHER EXCLUSIVE YOUTUBE CHANNELS  The Keri Shull Team: https://youtube.com/kerishullteam  Dan Lesniak - https://www.youtube.com/danlesniak    THE BOOK THAT HELPED 10K+ REALTORS https://amzn.to/2Mkm9Jp   GET DAN'S BEST SELLING BOOK FREE https://bit.ly/3dbiH3q    INTERESTED IN TAKING YOUR REAL ESTATE BUSINESS TO THE NEXT LEVEL?  https://bit.ly/3eLG97Z

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Kate's LinkedIn: https://www.linkedin.com/in/katecarruthers/Kate's 'Data Revolution' Podcast: https://datarevolution.tech/In this episode, Scott interviewed Kate Carruthers, Head Of Business Intelligence at the UNSW AI Institute and Chief Data & Insights Officer at UNSW (University of New South Wales). To be clear, she was only representing her own views on the episode.UNSW is not currently implementing data mesh but are preparing to be able to do so. This is a great lesson in building up the capabilities to move forward towards your goals but not rush.Some key takeaways/thoughts from Kate's point of view:Universities can teach us some really interesting perspectives on self-serve. Because universities are such complex organizations and so many departments are involved in deep investigations in very specific areas, they really are the only domain experts. So enabling them to even just own their own data can be very challenging, let alone helping them share with others safely.Relatedly, each academic researcher is essentially a micro-domain themselves with their own ways of working. That just adds to the need to enable freedom in ways of working but still "keep them safe." Scott note: safety was a key theme of the conversation"At the end of the day, data mesh is about controlling the bits that you need to control, and giving people the freedom to do what they need to do, safely.""Technology is kind of the least of your problems." When it comes to data, be prepared to start with some people not even recognizing there is a problem with the current ways of working or a need to improve. Connect their pain to data immaturity to win them over.The best way to win people over is show, don't tell. Show them the power of self-service instead of pitch them on it. Get a PoC going and get people to tangibly see - and hopefully soon touch - your self-service capabilities early.Always look to anchor your data work - especially...

My interview with Jane Widdop who plays 'Winnie Carruthers' in the new horror-Christmas comedy, "It's a Wonderful Knife" (2023). This is part one of three of my Christmas Special series. This movie, one of the best horror-comedies that I have watched in a very long time. Starring Jane Widdop alongside Justin Long and Joel McHale. The acting, the dialogue, the special effects, and the makeup truly put you into the Christmas spirit. Not only does it provide all the elements of a Christmas movie, but it also provides the "Scooby-Doo" mystery aspect which made it very entertaining and fun to watch. Overall, a great movie with great actors. I am very much honored to have had the opportunity to speak to Jane Widdop about her role and gain her insight on the movie. The movie will be available for VoD this Friday, make sure to check it out! Movie Synopsis: After saving her town from a psychotic killer, Winnie Carruthers' life is less than wonderful. When she wishes she'd never been born, she finds herself in a nightmare parallel universe where without her, things could be much, much worse. --- Send in a voice message: https://podcasters.spotify.com/pod/show/southjerseyhorror/message

I don't keep much money in a savings account, money money market account, or treasury bonds. They only pay 5% interest. Instead, I get 10-12% cash returns and semi-liquidity by private lending on real estate and operations with Freedom Family Investments. My guest, the company CEO, Dani Lynn Robison and I discuss how it works. They're a family of 7 real estate-centric companies. They pay me 10-12% on a loan that I make to them that funds their real estate and business operations. You can too. It's called their Master Note.  Text “GRE” to 66866. These private lending programs have just a $25K minimum, accredited and non-accredited, returns up to 12%. Rather than getting in on the equity side here, which is usual, you're getting in on the debt side. This way, you're more liquid than when you buy property yourself. We discuss 3 vital investor questions: Who do you trust? Where do you begin? What's the best path for you? Dani Lynn & I discuss a good investor outcome. We also discuss how when things went wrong, the investor/lender still got completely repaid. I can personally tell you that they've always paid me on-time and in full. Some people don't like to share where they personally invest, but this could really help you. Vocabulary terms explained: financial runway, demand depositor, time depositor, vertical integration. If a high-yield passive return of 10-12% sounds interesting to you, text FAMILY to 66866. Resources mentioned: Show Notes: GetRichEducation.com/475 For 10-12% returns with Master Notes with  Freedom Family Investments: Text “FAMILY” to 66866 Dani Lynn Robinon's book, “Get Real”: https://www.amazon.com/Get-Real-Understand-Estate-Investing/dp/B0BZF99S5K For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Timestamps:   The importance of increasing income (00:01:28) The speaker emphasizes the importance of increasing income rather than cutting expenses and discusses the concept of a financial runway.   The need for liquidity in real estate investing (00:04:05) The speaker explains the need for liquidity in real estate investing and recommends having 3 to 5% of the total value of a real estate portfolio in liquid funds.   Investing in residential real estate for strong returns (00:06:44) The speaker discusses the benefits of lending to the long-term stability of residential real estate and related businesses, highlighting the potential for strong returns.   The acquisition and growth of Freedom Family Investments (00:11:35) This topic covers the growth of Freedom Family Investments, including the number of units acquired, funds raised, and the value of their portfolio.   The concept of vertical integration in real estate (00:12:38) This topic explains the concept of vertical integration in the business world, specifically in the context of real estate companies. It discusses how vertically integrated companies have more control over their supply chain.   The Master Note Program by Freedom Family Investments (00:15:45) This topic introduces the Master Note Program, a lending program offered by Freedom Family Investments. It explains the program's features, including high yield returns, liquidity, and the option to compound interest.   Private Money Lending and Investing in Materials (00:20:57) Danny explains the process of private money lending and how investors can invest in materials for discounted prices.   Expansion of Opportunities for Passive and Active Investors (00:23:34) Danny discusses the various opportunities available for passive and active investors, including turnkey real estate, private money lending, and funds.   Minimum Investments and Accredited vs Non-Accredited Investors (00:26:22) Danny explains the minimum investment amounts and the options for accredited and non-accredited investors, as well as the different investment opportunities available for each category.   The trust question (00:30:14) Importance of trust in investment, transparency, and how to choose trustworthy partners.   The worst deal (00:32:21) A story about a bad investment deal, the importance of honoring commitments, and how volume can mitigate risks.   Get Real (00:35:28) Introduction to the "Get Real" book series, the importance of authenticity and transparency in real estate investing, and the power of sharing failures.   Time Deposit Accounts and Demand Deposit Accounts (00:38:36) Explanation of the differences between time deposit accounts (like CDs) and demand deposit accounts (like checking and savings accounts).   Vertical Integration in Business Strategy (00:38:36) Definition and explanation of vertical integration as a business strategy where a company takes ownership of multiple stages of its supply chain.   Financial Runway (00:38:36) Definition of financial runway as the amount of time one can maintain their lifestyle without the need for a paycheck.   Complete Episode Transcript:   Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Why settle for growing your money at a 5% interest rate in a savings account, money market account, or treasury bonds? You could earn double that or more. In fact, we're talking about exactly where I invest my more liquid dollars myself, often with a real estate centric backing. Today on get Rich education.   Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:00:51) - We're going from Hartford, England, to Hartford, Connecticut, and across 188 nations worldwide. I'm Keith Weinhold, you're listening to episode 475 of the Get Rich Education Podcast, the Voice of real estate investing since 2014. Don't live below your means. Grow your means. It's in your genes. Most people tie up so much life energy in their job, and they're scared to death of losing their job because it provides everything to them, not just their salary, but their health care, their retirement, and even who they are.   Speaker 1 (00:01:28) - And then even their very identity is in their job now. So that might be okay, especially if you truly get a deep existential meaning from your job and you get that sense. In fact, in that case, thank you. You're probably serving society, and I might be a beneficiary of that. But now we isolate the fine part of your job. It is a real mystery to me how so many study, how work works, so few study how money works. And yet money is the main reason that people go to work. In the personal finance world, it's more important to increase your income, then cut your expenses. Spend more time building a cash flow statement. See that's constructive to your standard of living, not a budget which is destructive to your quality of life. Think of residual income in terms of what I'd like to call your financial runway. Your financial runway. Yeah, it is that amount of time you can maintain your lifestyle without the need for a paycheck. So the length of your financial runway is measured in time, and it is critical for you to lengthen this runway if you hope to retire early and it can dramatically reduce your stress.   Speaker 1 (00:02:49) - Level two well, that can create outcomes so that you can say, go on a super long vacation and make your ostentatious display of time wealth as it is now. At some point in your life you probably listen to and had. The real estate pays five ways epiphany. And it is really compelling to then keep the majority of your capital invested there, for sure. But you likely don't want to keep absolutely 100% of your dollars there because you need some liquidity to fund the operations of your daily life. In fact, you can make the case that you need more liquidity than a non real estate investor does. Now, a six month emergency fund is the rule of thumb for laypeople, but on top of that is real estate investor. It's also a good idea to have 3 to 5% of the total value of your real estate portfolio in liquid funds. Now, a lot of people hold liquidity in a bank, and you do that as either a demand depositor or a time deposit. In fact, in banking vernacular, do you know the difference between demand deposits and time deposits? Well, demand deposit accounts, they include things like checking accounts, savings accounts and money market accounts.   Speaker 1 (00:04:05) - And they're called demand deposits because they allow you to withdraw your money from the account whenever you want to. That is different from time deposit accounts, like a CD, which requires you to deposit your money for a specific length of time. So that's the difference between a demand deposit and a time deposit. So time deposits like a CDS certificate of deposit. Therefore they pay you a high your rate of interest in exchange for your reduced liquidity. Now with that understanding, let's take a time out here to remind ourselves of something. When money flees the stock market, which it often does, it usually ends up in bonds as demand for bonds goes up, their interest rates go down. Then, as bond interest rates go down, investors go back to stocks in pursuit of yield and everything reverses. So that is an ebb and flow of funds, which creates a degree of equilibrium. But it also moderates your return. And you're also never going to get in and out at just the right time trying to time those markets.   Speaker 1 (00:05:22) - So when it comes to your dollars that you don't have being actively leveraging real estate, you know you can't hit every note in the symphony yourself with just one investment vehicle. It takes an orchestra full of your prosperity, all your dollars, all playing their notes boldly to help you hear the complexity of the. Position. Well, when you park money at an everyday bank or a treasury bond. Either way, you're now making a loan and oftentimes the exact way that that loan is backed your collateral that's actually unknown to you. Well, instead of that, what we're talking about today is that you can lend to the long term stability of residential real estate and related businesses and still get a strong return. And yes, I'm focused on the resilience of residential, just like we have here at from day one. Now, when it comes to something more precarious, really touchy section like office real estate. We work. They're expected to seek chapter 11 bankruptcy protection after that embattled office space company missed interest payments that it owed to its bondholders.   Speaker 1 (00:06:44) - So instead, you can keep your more liquid and semi liquid dollars working for you as a loan to someone else in residential, and enjoy some of the condensation on that pipe with returns that are about double what you can get on a 5% savings account today. Now, today it is the right time to talk about returns of 10% plus, because just a year or two ago, we were in this inversion where inflation was higher than interest rates. That's atypical. In fact, in June of last year, CPI inflation peaked just over 9%. And you got to ask yourself, how attractive is a 10% return on your liquid dollars? If inflation is 9%, well, that's not attractive to you at all because you real rate of return would only be 1% in that case. But now with inflation down, you can get a higher real return again. Today, interest rates are higher than stated CPI inflation and even the true rate of inflation. If you know where to look for that and you have a sense for what that is today, I'll help you know where to look, because it's exactly where I invest my liquidity today.   Speaker 1 (00:08:02) - See, in order to do this, it's really investing like a billionaire. And you don't need to have some wealthy sounding name like Brandon Meriweather, Rudiger, Bertram Lawrence, Perry Bottom or Carruthers Davenport. You don't need any names like that. You just need the knowledge. No, I guess I won't call you Carruthers if you preferred, but I think you'd sound like a guy that blows rings of smoke into people's faces. And I don't think that's a good look for you. We'll talk to the custodian of my funds here shortly. I make private loans to her company. She and I both serve on the Forbes Real Estate Council. She is a strong visionary, and she's not afraid to discuss problems either. That's something I really like. In fact, I'll be sure that comes up. This could really help you today. That's next. I'm Keith Weinhold in your listening to get Rich education. Diary listeners can't stop talking about their service from Ridge Lending Group and MLS. 42056. They've provided our tribe with more loans than anyone.   Speaker 1 (00:09:10) - They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Caeli Ridge personally, or even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate, and I kind of love how the tax benefit of doing this can offset capital gains in your W-2 jobs income. They've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866.   Speaker 1 (00:10:27) - Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six.   Speaker 3 (00:10:39) - This is Hal Elrod, author of The Miracle Morning and listen to get Rich education with Keith Weinhold and Don't Quit Your Daydreams.   Speaker 1 (00:10:56) - Okay. I'd like to welcome back onto the show today, the co-founder and CEO of the whole operation Freedom of Family Investments. There's seven real estate centric companies based in Centerville, Ohio. By the way, the other co-founder is her husband, Philip, whom you've heard on the show before. Hey, we are graced with the presence of Dani Lynn Robison.   Speaker 4 (00:11:15) - Hello, Keith. I'm so happy to be here.   Speaker 1 (00:11:18) - So good to see you again. I've got to congratulate you on your success. You've got 62 team members. They're now in your vertically integrated companies. And by the way, that's a term vertically integrated that might throw some listeners off. I'm going to come back and explain just what that term means. They've done over 1500 deals now.   Speaker 1 (00:11:35) - They've acquired 600 plus units since 2020, and they've raised more than $20 million through podcasts and word of mouth. And they now have a portfolio valued at $32 million. Plus, they've been in real estate since 2008. And they'll tell you that they have a perfect track record of always returning investor capital, including to me, I'm one of their investors and paying 100% of the returns as promised, even if they themselves lost money on a deal. We'll talk about what losing money on a deal looks like in a moment. And in fact, you, the listener, you've probably heard me talk about how I personally participate for a high yield return with them myself, with Danny Lin's company backing me near the middle of Gary. Episodes like this right here. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%.   Speaker 1 (00:12:38) - Well with having. Listen to that. Danny, I want to ask you about your master note program shortly. But first, since this is get rich education, emphasizing the education part here, I think the term vertically integrated, that might throw some people off. It sounds like a mouthful. And. And what is that, Danny Lynn seven syllables. But it is a term that you, the listener, you see that and hear that across the entire business world, vertically integrated. That's a term for a business strategy where a company takes ownership of two or more stages of its supply chain. So, for example, a vertically integrated automaker, they might produce automobile components and vehicles and also sell directly to customers. All right. That's ownership of multiple stages of a supply chain. So to me it comes down to vertically integrated. It means that you now have more control. So Danny tell me about how that vertical integration applies to your seven real estate companies.   Speaker 4 (00:13:41) - You nailed it. As far as the definition and really why we created all of the companies when we first initially created our turnkey real estate company, we hadn't had the intention of bringing everything in-house.   Speaker 4 (00:13:54) - But as we outsource different pieces of the renovation or the property management, we found that the lack of control that we had was hurting us and hurting our investors. And so one by one, we would bring in a company. So first was renovations. Because of all the contractor nightmares that many fix and flippers have experienced themselves. We had them too, and in spades because we were doing volume. So we brought that in-house first so that we can control the subcontractors and the project management and the scopes of work and how we paid our contractors. The next thing we brought in house was property management. And then we had a brokerage so that we could just list our properties on the MLS internally and keep that in house as well, since we had to have a broker anyway. And then acquisitions got brought in-house because the wholesalers were buying all of our deals from went dry with deals and we're like, hey, we need deals. And so we brought the marketing in-house and started doing acquisitions. And then I've told this story of drugs, thugs and bugs many times about our 56 unit apartment complex.   Speaker 4 (00:14:54) - That led to company number six, which is our funding syndication company. That was a really great company because it allowed our private money lenders to be able to start putting their money to use 24 over seven instead of going in and out of deals. And then company number seven is going to be a hard money lending company, because as we've raised all of this capital, we found that there's times we have excess capital and we don't want to say no to incoming investors. So we started using that to network with our mastermind groups and saying, hey, let us know if you've got a deal going on. We'll underwrite it. And if we feel like it's a good deal, we'll go ahead and lend on that deal for you. And it allowed us to keep putting that money to work for our investors. So it's been really fantastic. Help us as an internal company, helped our investors be able to earn more returns and helped other our entire network just do more things with us.   Speaker 1 (00:15:41) - That's a vertical integration. And like that it hadn't heard that before.   Speaker 1 (00:15:45) - Drugs, thugs and bugs can lead to an epiphany that creates a new company bringing more in-house. So you have to listen to the least you need to remember is vertical integration. That means control. And one of your company's vertically integrated into that, Danny, is something that can benefit the listener here, and that is your lending arm. Now, your most popular program for giving everyday investors high yield returns is your master note program. That's actually a common program in the private lending industry, but some might not know about it. So go ahead and talk to us about what your master node program is.   Speaker 4 (00:16:25) - So this was brought to us by an investor who was working with us and said, hey, I love your private money lending program. You know, I've researched you. He actually found us on Forbes and came to our office and visited and said, I would really love to lend, but I don't necessarily want to keep going in and out of deals. And so we worked with an attorney and said, hey, what can we do in order to keep an investor's money at work? And so he talked with us and we explored different ideas, and we kind of went back and forth between us and the investor and the attorney and ultimately created this program called the Master Note Program, which offers investors 10 to 12% returns.   Speaker 4 (00:17:03) - It offers them liquidity so they can get cash out at any year that they want. So they'll invest in every single year they have the opportunity to say, hey, I'm going to go ahead and give you 180 days notice to get my cash back. So the liquidity piece has been really, really powerful, especially for private money lenders, because they reason that private money lenders like that program is because they know that, that they're going to get their capital back in 12 months or less. And at that point in time, they're going to say, hey, do I want to invest again? Yes, okay, I do. Or hey, I could use this money for something else that I was waiting for. And in the meantime, it was earning interest while I was waiting to use it for this other avenue. So the master note program was really just meant to have flexibility and to be able to customize the program based on the investor's goals. So what we've done is created a five year auto renewing note.   Speaker 4 (00:17:55) - So that way these investors can say, hey Danny, I've got $100,000. I'd like to invest that with you. And at that $100,000 level, that is 12% interest. And so they put the money in, and they know that every single year it's either going to auto renew or they're going to say, hey, I'm ready for the money to come back to me. And it also allows us to give them compound interest. I would say over half of our investors are not investing with us for distributions or cash flow. They actually are investing with us because they trust us and they trust our track record, and they want their money to grow. And so they actually choose to compound instead of taking the distributions, which allows for faster growth.   Speaker 1 (00:18:39) - Your master note program 10 to 12% returns. I know it's just that 25 K minimum. So it's really available to investors. So okay. Unlike an all say five year certificate of deposit from a bank that might only pay you 5%. Plus you're illiquid for five years.   Speaker 1 (00:19:00) - With a conventional instrument like that, you can cash out your master note any year, or you can just keep rolling it over. You have the option.   Speaker 4 (00:19:09) - Exactly right. And so what's interesting is we all like liquidity. I know Philip and I like liquidity. It's nice that you got this peace of mind that you can access your capital if you choose to do so, but in reality, most of us leave the money exactly where it's at. We like to see the growth. We like to see, you know, the returns that we're getting. And we get excited and we're like, where else am I going to put this money? So I love having the ability to get it back. But I would say 95% of the people in our master program and even our funds, after they get to the period in which they committed to, whether that be a year or three years, just depends on the vehicle that they're using. They stay there like, I love this, this is fantastic. You can keep my money and just keep it growing.   Speaker 1 (00:19:51) - Real estate is largely thought of as an equity based investment. You're the listener, putting 20 to 25% down and borrowing the rest. That's great. We talk about the virtues of doing that all the time, but you are not very liquid when you do that. Here. We're getting on the opposite side rather than being on the equity side. You're on the debt side, you're making a loan and you have higher liquidity this way.   Speaker 4 (00:20:18) - Exactly right. And so with our master Note program, the way that we worked it out with the attorney is it's used for both deals and our business growth. So that's really important that I think that we talk about because the private money lending. Let me give an example. Private money lending. You are going to maybe loan a $70,000 and that's going to cover an acquisition and rehab of a property. But maybe you had $100,000 available. Now your $70,000 is backed by a lien on that property. And then once we're done with the rehab and once we resell the property, then we're going to give you all of your capital back, plus the interest that you were owed for the time that we borrowed your money.   Speaker 4 (00:20:57) - Now, this is where our private money lender said, Danny. Danny, will you keep my money? And if you're a private money lender, I have to say no, I can't. I have to give you back your money because you have to sign a release of mortgage. There's a lean on that property. You have to sign the release that you got your capital back, and then we can give you another deal. And that might take two weeks or two months. What the most master program provided for investors was allowing them to invest with us still being used on deals, but for our protection, if we didn't have a deal to put money into, then we can use it for the growth of the company. So right now we're actually partnering with another investor who is out of Columbus, and we are creating a home supply company of materials. We have this opportunity to buy materials at huge, huge, massive discounts. And so we're working on acquiring the office space that we're in, which has 20,000ft² of warehouse right next to us, and we're going to buy in bulk all of these materials.   Speaker 4 (00:21:54) - And not only is that reducing the cost of our business and our rehabs, but now we can help other investors in the local area save money. And we have created a revenue stream. As a result, the growth of all the companies has been a result of working with investors exactly like this. So now the investor gets to say, hey, Danny, I'm going to give you $100,000 and I'm going to invest it in this master note program. Now they got to use $30,000 or more of their capital, as opposed to the $70,000 example I use for private money lending, so they can put all the capital they want to use. And then me, if I have a $70,000 deal, that I'm still going to use it on that same deal, and it's owned by our company, and then that other $30,000, then I can use it for things like we're buying materials in bulk, and it's allowing us to save money on those rehabs. It's allowing us to create another revenue stream. So it allows us to have a little bit of flexibility, and it allows the investors to have a higher return, still have that liquidity piece and still have it backed by real estate and or our business.   Speaker 1 (00:22:59) - Well, what an explanation. And you know what's interesting, Danny Lee, and listening back to that is the realization that most bank depositors don't have any idea how that bank is investing their money. They don't know how their deposit is backed at all. But with an explanation like that, that's substantive, we really do hear. So it's really an interesting contrast. We discussed the details of your master note program, including where you can get up to a 12% return. Tell us about the other opportunities that you have besides your master Note program.   Speaker 4 (00:23:34) - Because of our vertical integration, we have many different things that we can offer. If you're a passive investor, we have turnkey real estate. We do have private money lending, the master node program. We have funds that also provide great returns. And one of them we're getting ready to launch in the next couple of weeks, is offering even more liquidity, allowing people to get in and out in 90 days. So for those who don't want to wait a full year, maybe they just want it.   Speaker 4 (00:23:59) - Hey, I just want to put my money to use and I want to have this access to it every 90 days. We're now allowing people to have that option, and that is really a reflection of our conversations with investors in seeing what they want based on today's market, today's economy, what they feel comfortable investing in. So that's some of the passive investor opportunities for our active investors. We don't typically serve them. But I thought, hey, you know what? We are buying all of these deals and we're getting all of these leads, some of the deals we don't want, maybe because we have enough and we don't want to buy another one because our rehab team is stretched and we don't want to have a house sitting for a couple of months for our rehab team to be able to get to it sometimes. There's other reasons. So now we are starting to wholesale properties to investors who are active, that are wanting to flip the properties themselves for a higher profit. And because we are vertically integrated, we said, hey, if you want to buy one of these wholesale properties that we're not buying ourselves, we have a renovations department, we have a property management department, we have a brokerage.   Speaker 4 (00:24:58) - So if you're an out-of-state investor, you've got an entire team you can leverage through us to be able to buy a property as is, get it renovated, and then either sell it on the market or hold it and have our property management company look after it. So we're just continually trying to expand what we can do in service of other investors.   Speaker 1 (00:25:18) - I love that we can let the term vertically integrated just roll off our tongue. Now that everyone knows that, it means having control of multiple portions of the supply chain of their business, a real estate business. In this case, again, we're talking with Danny Lynn. She is the co-founder and the CEO of Freedom Family Investments. You deal with investors on both the more active side and the passive side smartly. I know, Danny Lin, that you don't call turnkey real estate investing passive, even though it's mostly passive. It's not completely passive. You have both passive and active sides. You know what investors want. You know the pallet of items to offer them with what interests them.   Speaker 1 (00:26:00) - So with that in mind, tell us just a bit more on the landscape overall in just how you serve people. I know a lot of them. For example, they might wonder, do I need to be accredited or do I need to be non accredited? And tell us more about the minimum investments amounts kind of that bar to clear in order to participate with you, just like I am myself.   Speaker 4 (00:26:22) - For the minimum investments, it's $25,000. That's typical for turnkey properties. That's typical for our master node program, and then $50,000 for some of our funds, also our private money lending program. And then for the accredited versus non-accredited, we have both options. So there are rules as to when we can offer certain investment opportunities if you're non accredited. So things like private money lending, turnkey investing, master node program those are all opportunities for non accredited investors. And then for our accredited investors we have funds that are it's 506 C. It's a little bit technical but it's the way the SEC says hey you can talk about this.   Speaker 4 (00:27:01) - You can advertise it but you can only allow accredited investors inside. So as we work with our attorney we are like, okay, we don't want to serve just accredited investors. So how do we make sure that we're serving both at the same time? And so we've made sure to just really have a variety of offerings. And I talked to people a lot about what you said about active versus passive. I think that's a really, really important conversation because many people who are getting into the real estate game, they don't know whether they want to be active or passive, and so many of them end up being active first, only to realize they just created another job for themselves. And then they go, okay, I don't want to do this anymore. I actually want to live a quality life. I want to spend time traveling. I want to spend time with my spouse or my kids and just enjoy life. And I didn't mean to create another job, even though it is building wealth. And then they move to the passive side so that they can get mailbox money or have their money working for them while they sleep, or while you are traveling like you just got back from traveling.   Speaker 4 (00:28:05) - Keith and I loved watching your Facebook post, right? I love having that educational piece of really talking to somebody about what their goals are, what the quality of life is that they want, so they don't make a mistake of going active, only to feel like they lost some time because the active journey is difficult, like it's not been easy to build seven real estate companies, and we've got two more in the wings that we're getting ready to launch that we talked about even the the home supply company. It's not an easy road. You make a lot of mistakes, you lose a lot of money. And so when somebody has capital to invest in, their goal is to grow their wealth, build wealth, have a legacy, be able to retire and not worry about money. Going the active route may seem like I'm going to make more money because I'm going to get the big chunk of equity, but it ends up being something where they learn the hard lessons themselves and then usually waste a lot of time and energy and frustration, only to realize that they probably could have made equal, if not more on the passive side and not had all the stress.   Speaker 4 (00:29:06) - So I love really having that conversation with everybody. I love active and passive investors alike. It's just making sure that they truly know what journey they want to be on.   Speaker 1 (00:29:16) - In my mind, the term ROI return on investment is more active and a term that I've talked about wrote I return on time invested with that being considered that falls more on the passive side with you guys experience and understanding, you're surely quite cognizant of that. Why don't you talk to us about some of the other questions that you get from new investors, things that really they want to know about before going ahead and making a loan and participating in a lending opportunity with you.   Speaker 4 (00:29:49) - So the top three questions that we get is where do I start? Which path is right for me and who do I trust? And I actually talked to one of our investors who has grown his seed capital of $100,000 into $2.5 million with us over the course of four years that he's been investing. Every time he has capital, he's like, what opportunities do you have and where can I put my money? And again, we talk about compound.   Speaker 4 (00:30:14) - He has been compounding since day one with us and is really allowed his capital to grow extensively. I was interviewing him to tell his story about his journey with us and his experience. He actually said, you know, those questions are funny, Dannielynn. I would tell you that you should ask them in the opposite order. You should say, who do I trust? And then once you know who to trust, then ask, where do I start and which path is right for me? And I do agree that the trust question is the most critical piece of the puzzle, right? So many times I get on the phone and I talk to investors who have lost money working with somebody else, and so they've maybe heard me on your podcast or seen me somewhere else and heard me say over and over, private money lenders, our investors are our number one priority. I am never going to put myself in a position where they're not receiving their full capital back, receiving every single penny owed for the interest of the time that I was using their capital.   Speaker 4 (00:31:11) - And I'll allow myself to lose money to make sure that they get paid. And that's so important to me that I tell people very often they said, you want to work with people that will be transparent enough to say, this is my worst deal, this is what happened. And what you're going to get by asking that question is a revealing of their character. Yeah, who they are. How did they treat that situation? How was the investor treated in that situation and what happened? Did they tuck tail and run? Do they walk away, which many investors do? They get frustrated and they're like, oh my gosh, I lost all this money. What am I going to do? And they just they stop answering their phone. They stop answering emails. And then the investors are stuck with the house. I think the questions like that are really important. Looking at track records and just asking the hard stuff, understanding the true nature of a person. And then lastly, the which path is right for me is a question of really understanding that active and passive piece, and then understanding your goals when it comes to money, is it cash flow, is it growth? Is it tax benefits? Is it liquidity? What are the things diversification.   Speaker 4 (00:32:11) - There's so many goals you can have in investing. And if you don't know the questions to ask, then you might not be hitting the goals that you truly desire in life.   Speaker 1 (00:32:21) - We learned about a really good investor outcome there. How about a bad outcome or a worst deal? And then how did you cover that to make sure the investor is made whole?   Speaker 4 (00:32:33) - Our worst deal is a duplex in Dayton. And what happened was one of the reasons we brought our renovations company in-house, because we had a project manager, we had a runner, and one of the processes that we have is when the contractors are rehabbing a property, then the runner will go to the properties and just double check that what their invoice is saying, that they actually did the work and then we will pay them. So the project manager is trusting the runner. The runner is saying he went to the houses and we're paying this contractor. And it turns out one of the contractors had not done anything. The pictures that they were submitting to us was from another property they were rehabbing, so it looked like he was doing the work.   Speaker 4 (00:33:12) - The runner? Yep. The runner was relying on those pictures as his proof instead of actually going to the property and physically seeing the work being done. And we were paying them as a result of this hierarchy of process that we had. So we ended up having a property where none of it got rehabbed, and we paid the full amount of rehab to that contractor. So we had to pay for the rehab twice. So in this situation, we lost over $50,000. Our investor didn't even know what happened. And I say that not because we weren't being transparent, it's because we were going to do exactly what we said we were going to do. They were going to get all of their capital back, and they were going to get every single penny of interest owed. We ended up asking them at the end of 12 months, do you mind extending on this loan? We're still working on it. It's okay if you don't want to. We will still get you paid back, plus all interest, and we'll replace your loan with another private money lender.   Speaker 4 (00:34:06) - They said no, it's no problem. Absolutely. You can extend. So by the time it was all done we actually had the house fully rehabbed. We had lost a lot of capital. The reason that we can cover situations like that and make sure that we're honoring our word to our investors is because we do volume. When you do volume, I tell people, this is what I say. If you've been in real estate long enough, you understand you're going to lose money. You're understand that you're going to pull back walls and find things that you did not anticipate. So doing volume was our way of mitigating that risk. If we're doing ten deals a month and two of them go bad, well, we've got eight others that are covering the two that went bad. And so it's a numbers game for us knowing that we're going to find some duds, we're going to make some mistakes. And that's okay because we're playing the volume game.   Speaker 1 (00:34:53) - Ah, that harrowing story about the contractor and the rudder that comes back to the old Ronald Reagan trust, but verify they're right.   Speaker 1 (00:35:01) - So. Right. Well, thanks for sharing a more difficult story with us like that. Well, Danny, as we're winding down here, you do a lot of things there at Freedom Family Investments because you have this big holistic picture. Since you are vertically integrated company, and that's given you the experience and the wisdom. Do a lot of things. I know you have a book published and you're speaking at events around the theme get real. I own your book. Get Real. Can you quickly tell us more about it?   Speaker 4 (00:35:28) - So our very first book was Get Real, understand Real Estate Investing before it's too late. And it was just our first book. And it's going to be a series of Get Real Books was our first book to really introduce people that were new to real estate. What is it? Why do we love it? Why do we have such a passion for building real estate businesses and love that we can not only grow wealth for ourselves, but we can help other investors do the same? And then the get real part of it.   Speaker 4 (00:35:52) - The reason that we love this is actually one of my marketing team members, actually, you know him, Matthew. He's the one that came up with a Get Real brand. And it's really become something that people say, hey, Flip and Dani, you guys are so down to earth, like, I feel like I can talk to you about anything and you're so transparent. You tell us the ups and the downs and the crazy roller coaster rides, and there's so many people that are on social media or on podcast that will just tell you the rosy rainbows and sunshine stories, you know, as if nothing goes wrong. And I think reality is, is people want to work with people that are just more authentic, that are willing to share, hey, I'm human, I'm not perfect. We're going to make mistakes, but watch how we correct those mistakes, watch how we act during those situations. I think if you can do that, you actually gain more trust. And that's something that surprises a lot of the masterminds that I'm in.   Speaker 4 (00:36:43) - When I say they say, how do you have so many investors? How do you raise so much capital? I'm just like, I'm just authentic and transparent about everything that we do. And that garners a lot of trust in the people, because not a lot of people are willing to talk about their failures. That $50,000 loss on a duplex. And I don't know why, but it builds trust instead of loses it. And their jaw drops to the ground going, oh my goodness, I can talk about my failures. And I'm like, yes, start. People want to know that you're real. So I think that that get real concept is important. So we're going to keep on building creating some more books. We have investors that are giving us ideas of, hey, write a book about this. So we're going to keep on releasing them. And we're also speaking in events nationwide and just really just getting down to earth for people and letting them know, hey, stop telling yourself your can't. Anybody can build wealth.   Speaker 4 (00:37:32) - If you run a great podcast, you have so many loyal listeners and we love talking to them, and you have helped educate people for years and years and years, and we just need more people out there doing that.   Speaker 1 (00:37:45) - Well, thanks. The name of the platform and book is Get Real, Danny. Dannielynn, in closing, why don't you let our audience know about the best way to reach out to you and learn more about your private lending programs, including your Master Note program? Because for you, the listener, if this sounds interesting, here you go. Mean this is where I tie up a lot of my liquid funds for a high return. Let our audience know how they can learn more.   Speaker 4 (00:38:11) - All you have to do is text family to 6686, six.   Speaker 1 (00:38:17) - Dani Lynn, it's been valuable. As always. Thanks so much for coming back onto the show.   Speaker 4 (00:38:21) - Thank you so much, Keith. It's an honor.   Speaker 1 (00:38:29) - Yeah, good stuff from Dani Lynn Robison of Freedom Family Investments. Today, let's review what we've learned.   Speaker 1 (00:38:36) - Demand deposit accounts, which include things like checking accounts, savings accounts and money market accounts. They allow you to withdraw money from the account whenever you want, whereas time deposit accounts like CDs require you to deposit your money for a specific length of time. Vertical integration that's a term for a business strategy, where a company takes ownership of multiple stages of its supply chain and the term financial runway. That is, the amount of time you can maintain your lifestyle without the need for a paycheck. As you know, I often like to leave you with something actionable. Their Master Note program offers 10 to 12% returns, some liquidity, and just a 25 K minimum. And another way to think about it is that, in fact, then that is a 10 to 12% cash on cash return. And if you're interested in being more nimble than that, there are other lending programs where you can get a strong return with just 90 day liquidity. And to get started on any of them, or simply learn more. Text family to 66866.   Speaker 1 (00:39:45) - Until next week where we've got a great show for you. I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:39:55) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:40:23) - The preceding program was brought to you by your home for wealth building. Get Rich Education.com.

Last week we spoke to Ashley Michelle and heard her incredible story of survival. The day she almost lost her life, though, was the same day someone else lost theirs. Join us as we dive into the heartbreaking case that shocked the city of London, Ontario. In this episode, we unravel the haunting story of Nathan Deslippe, a young man, beloved by all that knew him, whose life was tragically cut short by the very person he thought he could trust the most-his best friend. The Nathan T. Deslippe Memorial FoundationConnect with us!Patreon: The Book of the Dead PodcastInstagram: @bookofthedeadpodX: @bkofthedeadpodFacebook: The Book of the Dead PodcastTikTok: BookofthedeadpodOr visit our website at www.botdpod.comDon't forget to Rate, Review, & Share with someone who would like the PodcastToday's Promos:Murder and Mimosas:A true crime podcast focused on lesser known crimes or crimes that have really stuck with us. Each case is told with a bit of sarcasm, but with tons of in depth research. Join this mom and daughter duo as they sip their mimosas while diving into tragic cases! New episodes every Saturday, just in time for brunch (and a mimosa of your own)!Darkcast Network's Wicked Week-Tune in 10/26-10/31 for a whole week of spooky stories, creepy monsters, and halloween true crimeBryden, T. (2017, January 18). Nathan. - Tyler Bryden - medium. Medium. Carruthers, D. (2023, September 8). Parents of London homicide victim fighting killer's bid for escorted release. Lfpress. https://lfpress.com/news/local-news/parents-of-london-homicide-victim-fighting-killers-bid-for-escortDubinski, K. (2018, May 8). “There was blood everywhere,” officers testify at murder trial. CBC. https://www.cbc.ca/news/canada/london/there-was-blood-everywhere-officers-testify-at-murder-trial-1.4653856Ghonaim, H. (2018, June 27). Nathan Deslippe's family and friends tell judge his murder ended the life of “a rising star.” CBC. https://www.cbc.ca/news/canada/london/nathan-deslippe-william-joles-murder-sentencing-1.4724799LeBel, J. (2018, July 12). Williams Joles sentenced to life in Nathan Deslippe murder. Global News. https://globalnews.ca/news/4327534/williams-joles-life-sentence-nathan-deslippe-murder/inylamberink. (2018, June 27) Forty-three victim impact statements entered in sentencing hearing for man convicted in Nathan Deslippe's death. Global News. https://globalnews.ca/news/4301163/forty-three-victim-impact-statements-heard-in-sentencing-of-man-convicted-in-2016-death/Manshoory, S. (2023, September 20). Difference between 1st, 2nd, and 3rd-Degree murders? | Manshooey Law. Manshoory Law Group, APC. https://manshoorylaw.com/blog/difference-between-1st-2nd-and-3rd-degree-murders/Zadorsky, J., & Zadorsky, J. (2018, October 31). A life sentence. London. https://london.cSupport the showIf you enjoyed learning about this case, check out our Instagram @bookofthedeadpod or website botdpod.comShoot us an email with a case suggestions or just say "hi" at bookofthedeadpod@gmail.comAnd don't forget to rate and review and share with your friendsMuch Love-Courtney and Lisa

Tonight, we'll read the second half to “The Adventure of the Solitary Cyclist” written by Sir Arthur Conan Doyle, as part of 1903's “The Return of Sherlock Holmes”. The first half aired last week. In the first episode,Holmes is contacted by a beautiful young music teacher named Violet Smith. She's worried about a stranger who follows her when she bicycles to and from the train station each weekend. Violet Smith and her mother were living in poverty until few months ago, when two supposed friends of her uncle from South Africa, came to announce that he asked them to take care of his closest relatives. One the two men, Carruthers, is affable. He offers Violet an excellent wage to live in his house and teach music to his daughter, and he seems to grow fond of the young woman. The other one, Woodley, is rough and overly forward. Watson, asked by Holmes to visit and collect information, figures out that the mystery cyclist disappears by hiding in a hedge along the property of Mr. Williamson, a defrocked clergyman. — read by 'N' — Sign up for Snoozecast+ to get expanded, ad-free access by going to snoozecast.com/plus!

Tonight, we'll read the second half to “The Adventure of the Solitary Cyclist” written by Sir Arthur Conan Doyle, as part of 1903's “The Return of Sherlock Holmes”. The first half aired last week. In the first episode,Holmes is contacted by a beautiful young music teacher named Violet Smith. She's worried about a stranger who follows her when she bicycles to and from the train station each weekend. Violet Smith and her mother were living in poverty until few months ago, when two supposed friends of her uncle from South Africa, came to announce that he asked them to take care of his closest relatives. One the two men, Carruthers, is affable. He offers Violet an excellent wage to live in his house and teach music to his daughter, and he seems to grow fond of the young woman. The other one, Woodley, is rough and overly forward. Watson, asked by Holmes to visit and collect information, figures out that the mystery cyclist disappears by hiding in a hedge along the property of Mr. Williamson, a defrocked clergyman. — read by 'N' — Sign up for Snoozecast+ to get expanded, ad-free access by going to snoozecast.com/plus! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this compelling episode of "What Gives," our host Erin Satzger has the distinct honor of sitting down with Ohio State Representative Sara Carruthers. We dive deep into the life and passion of a remarkable legislator who has recently been awarded the prestigious title of "Legislator of the Year."Join us as we explore Sara's journey, from her upbringing to her love for Hamilton, Ohio. Discover the driving forces behind her unwavering commitment to the community and the pivotal role she plays as the Chair of Health and Human Services.

In the first episode of the season, Kevin gives an update on a little gem down in North Carolina (3:15). In, What's Happening Around the Curling World? The guys discuss the Points Bet (7:25) and also Niagara Falls coming up (15:00). Jim and Kevin get all giddy talking about the prospect of tailgating coming to curling (17:00) and Curling Canada is currently searching for a new CEO (18:30).  The guys then cover the announcement of some long awaited rule changes coming from Curling Canada (23:00). Hot rock topics includes talk about the new rules tried at the Points Bet (29:00) .In the house, the guys sit down with Reid Carruthers fresh off his second straight victory at the Points Bet.  They talk about the increasingly heavy schedule (35:00) How Brad Jacobs is fitting into the team (36:25) and his risky choice to blank the 9th end against Dunstone. In 'What Are You Hearing,' the guys discuss why networks are yet to stream all sheets at events (54:30).Inside Curling is Hosted by Kevin Martin, Warren Hansen, Jim Jerome.  Engineered and Produced by Mike Rogerson.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

We sit down with Colin, Trevor and James at the Wild Sheep Jurassic Classic to talk wild sheep, conservation, sturgeon fishing and more. These three gentlemen are conservation superheroes without the capes and are part of a powerhouse team of volunteers that put this annual fundraiser together.The Jurassic is the event of the year - give us a listen and enjoy. For more information on the Jurassic Classic check out the following video: Wild Sheep Jurassic Classic PrimerEnjoy this episode of Talk is Sheep, the Official Podcast of the Wild Sheep Society of BC. Brought to you by our official sponsor SITKA Gear and our Conservation Partners - Frontiersmen Gear, Gunwerks, Precision Optics, Stone Glacier, Swarovski Optik and YETI.

Kia ora e te whānau. This week Matt has the pleasure of speaking to Andy Carruthers, Wellington adventure lover, runner, and creator of the Tararua S-K movie. The S-K, or Schorman- Kaitoki, is a tramping route in the Tararua Range with a distance of approximately 80km and with 6800m of elevation gain. Conceived as a weekend challenge in the 1960's by the four main tramping clubs in Wellington as to who could do it in a single weekend, the desire for people to travel faster and lighter has only grown in the preceding 60 years. Matt speaks to Andy about his love affair with the S-K, his history with the route, his successes and challenges, and his decision to document the route and the people who have informed this most legendary of mountain journeys . Best Enjoyed Running.Episode Links Tararua S-K Movie SCOTT Running Julbo Eyewear UltrAspireirunfarDirt Church Radio on InstagramDirt Church Radio on Twitter Dirt Church Radio on Facebook Dirt Church Radio on PatreonCieleFurther Faster New Zealand

In this episode, Spencer Carruthers, owner of Kenwood Tire & Auto in West Bridgewater, Massachusetts, tells the story of this historic shop that was once a one-room school and a public library. He also shares insights he's learned about how auto repair shops can capitalize on EV tires as a service.   Sponsored by Ford Motorcraft

The guys are joined by David Bastl of Sports Interaction to talk about their involvement in curling, what they have planned for next year (4:15), some of the different types of bets you can place, plans of expanding into other provinces, and how Sports Interaction comes up with their odds for curling events.Kevin then  interviews Reid Carruthers and Brad Jacobs (21:07) to discuss why Brad was a good fit for Team Caruthers, what new challenges Brad is looking forward to playing a new position, team goals for the next season, the growth of curling around the world, and they give their thoughts on the new rules that were tested this season.Mailbag: the guys answer a question from Murray from the Tampa Bay Curling Club regarding team names (38:50). In Hot Rock Topics, Warren shares an article regarding the trends and interests of Gen Z (45:00) and they discuss some ideas to adapt the game to be quicker and more fun (49:00). In What Are You Hearing, the guys get into the future of the Brier without Tim Hortons as a title sponsor (53:00).This podcast is produced by Warren Hansen & Kevin Martin, recorded and mixed by Mike Rogerson, and hosted by Kevin Martin, Warren Hansen and Jim Jerome. Social media support by Griffin Porter.Contact the podcast -- insidecurling@gmail.comThe views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

Happy Full House Friday Everyone, Angela Bowen here, the host of Oh Mylanta Holy Chalupas: An Unofficial Full House Fuller House Podcast. Today, in honor of the Olsen Twins's upcoming birthday, I decided to cover Full House S7E11: The Bicycle Thief, which aired on November 23, 1993. In this episode when Michelle's bike is stolen, everyone sets out on a search to find it. Unfortunately, they recover three bikes, non of which are Michelle's. To make matters worse, the family realizes they have now stolen these bikes- and the local crime stoppers group realizes it too! I thought this was a cute and funny episode. I thought it was adorable that Nicky and Alex were calling Jesse and Becky by their first names. This is the first episode that we are introduced to Mrs. Carruthers. She was already smitten or more like obsessed with Joey. Apparently she lives directly across the street from them if she watches Joey get the mail every morning. Yikes! Join me next week as I cover the next episode in the Olsen Twin Birthday honor episode , Full House S7E20: Michelle ala Carte, which aired on March 15, 1994. In this episode Michelle is excited about building a go-cart with Aunt Becky, but gets discouraged when she hears her dad and Uncle Jesse teasing Becky; Stephanie shows Joey some ballet moves; DJ and Steve deal with the fact that they are no longer a couple. Have a great weekend everyone and I hope you enjoy the podcast episode!

This week's podcast episode is a special one, and not just because we recorded it at Road America. Carruthers and Bice had the distinct pleasure of talking to motorcycle road racing legend Freddie Spencer, who is currently in charge of Royal Enfield's Build. Train. Race. program, which has its first round this weekend at Road America. Spencer is also Chairman of the Track Stewards in MotoGP, so we also discussed that important role. And, we couldn't let Spencer go without discussing his incredible racing career, highlighted by his double GP Championship in 1985 in both 250cc and 500cc. This is definitely a must-see episode, so check it out.Support the show

In the penultimate episode of the season, John talks about the Best in the West tournament in Saskatoon (0:00) then he welcomes in Reid Carruthers! They kick things off with the lightning round (3:25), Reid talks about his headwear fashion choices, his role in developing the Pro Slide, playing with Jeff Stoughton and what they did to bond as a team, and in the Dirty Laundry segment, John digs up a couple of stories from Japan and heights (19:10).The guys talk about the unique pressures of the 2017 World Mixed Doubles (24:45), the impact of a good sports psychologist, Colin Hodgson stepping away from curling and the legacy he leaves behind (31:40), and John praises Reid's coaching style. In the Extra End, Kerry Galusha has a spicy question for Reid (44:10).This podcast is produced by Mike Rogerson & John Cullen, recorded and mixed by Mike Rogerson, and hosted by John Cullen. Social media support by Griffin Porter.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

#185: How can we overcome that fear to take the first step towards the calling that God has called us to?Today's guest shares with us that fear is totally normal, but what separates ordinary people and extraordinary are those who are willing to take that first step even when they're scared. In this video, we dive into her story from constantly having to prove herself in a male-dominated world to moving around constantly, she found out that you can merge both business and God together. Listen to find out how she did it. :) Janet Carruthers is the CEO of BizCentral USA and is a Certified Public Accountant (CPA) and Certified Fraud Examiner. She has a diverse background primarily working in public and corporate accounting, business development, training and the law enforcement/intelligence community. Afterretiring from the Small Business Administration (SBA), Janet became the CEO of BizCentral USA helping thousands of small businesses reach their goals through business certifications.Carruthers is a national speaker for civic groups and non-profit organizations on business development, entrepreneurship, and financial fraud. Her passion is helping businesses that are owned, operated and controlled by disadvantaged groups obtain the certifications they need to grow and succeed.This episode is part of our Easter Christian Business Series, stay tuned for the next episode. :)Listen to Janet's Story...[01:51] - What was the before & after of asking God to be involved in her business?[11:06] - What advice does Janet give to those who have heard God's calling, but are unsure what to do next?Important Links & Mentions in this episode:Janet's WebsiteSheInherited Founders AcademyKelly's 4D Breakthrough DevotionalKelly's Youtube ChannelPower of One Framework MasterclassSubscribe + Review on iTunesSubscribe + Listen on Spotify Remember, YOU Matter! See you in the next episode.

Today we welcome Kristy Carruthers to the podcast. Kristy is a self-described serial entrepreneur with an amazing story – going from homeless to building a 7-figure business. She took all that she learned from growing her businesses and created her company, “She Corporated,” to help other female entrepreneurs do the same!Kristy describes the very real reasons women don't start their own business – financial, overwhelming responsibilities, societal expectations – but, at the end of the day, it comes down to confidence. She wishes she could just MAKE women believe in themselves, but she knows it's not as easy as that! She loves being actionable to create confidence! Just one tiny step in a forward direction creates the momentum to more confidence.In addition to building your confidence, her budget marketing tips also help you grow your business using solid marketing strategies. She teaches how to use all of your real estate to market. In other words, think of ALL THE WAYS you can promote your business and take advantage of them all! Additionally, she recommends collecting emails, nominating your business for awards that will garner you publicity and getting some press for your biz to establish credibility!Kristy finishes our conversation by sharing the importance of the customer journey to retain clients and get new ones … AND … the how using white space is her secret to planning her biz strategies and growing the business of her dreams.I think you'll really love this episode! In this episode:Let's learn about Kristy! [0:41]How Kristy stayed motivated when things where at their worst [3:38]What is stopping women from starting their own business? [5:29]Shift to a mindset of confidence [6:14]Creating a marketing plan on a small budget [7:47]Marketing tips for someone working full-time or just getting started [10:53]Kristy's favorite marketing channel [15:43]How to create a repeat customer [17:52]The magic of white space [19:57]CONNECT WITH KRISTY:IG:  @shecorporated Website: https://www.shecorporated.com/Bootstrappers Guide to BIG Marketing on a Small Budgethttps://www.shecorporated.com/bootstrappers-guideFree Magazine for Women Entreprenuers https://www.shecorporated.com/shecorporated-magazineUpcoming Passion Project Workshophttps://www.shecorporated.com/thepassionprojectCONNECT WITH HOLLY:TEXT HOLLY: 614-810-4236 or click hereLEARN MORE ABOUT THE CLUB: https://www.hollymariehaynes.com/clubCREATE YOUR ANTI-SOCIAL STRATEGY: https://www.hollymairiehaynes.com/socialI hope these tips help! Keep in touch! Leave me a message at hollymariehaynes.com or instagram.com/holly_marie_haynes

This is the second half of our conversation with Joshua Myers on his latest book Of Black Study. In part one we covered Myers' goals for the project and the selection of thinkers he includes. We also reviewed in some detail his chapters on W.E.B. Du Bois and Sylvia Wynter, as well as his inclusion of June Jordan and Toni Cade Bambara. In this part of the discussion we focus on the interventions of Jacob Carruthers and Cedric Robinson, who Myers often places in dialogue with one another. We talk about Carruthers work toward an African historiography, and around language and African Deep Thought, going into the terms mdw ntr and whm msw and talking a bit about their meaning and importance and conceptual relevance to the Black Radical Tradition and revolutionary possibility.  Because we have two other discussions with Myers on Cedric Robinson, both of which go more in-depth on Black Marxism and Robinson's interventions there, we focused this time on Myers work around Terms of Order and An Anthropology of Marxism. Myers closes with a reflection on the inability of the western university to accommodate radical thought in general, and Black radical thought in particular, except as a means to discipline and control it, leaving open questions of where Black Study must go from here.  We again want to thank Pluto Press for donating copies for our reading group of incarcerated folks which we support along with Massive Bookshop and Prisons Kill. This book comes out Friday on Pluto Press, so make sure to pre-order your copy or pick it up from your favorite radical bookstore.  Shout-out to all the folks who are patrons of our show and support the work we do bringing you conversations like this. You can join them and become a patron of the show for as little as $1 a month or $10.80 per year at patreon.com/millennialsarekillingcapitalism  The discussion with Harold Cruse referenced in the episode. Our first interview with Joshua Myers (on Cedric Robinson) Our second interview with Joshua Myers (on his biography of Cedric Robinson) Our interviews with authors and editors of the Black Critique series